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Source registry

Official references behind the estimates.

Regulatory and tax calculations use official government, regulator, and Crown-agency sources with visible review dates.

Independent guidance · Visible sources

RateReset Canada official source registry
SourceSubjectEffectiveReviewed
Minimum Qualifying Rate for uninsured mortgagesOffice of the Superintendent of Financial InstitutionsMortgage stress test2024-11-212026-07-26
Debt service calculator and ratio guidanceCanada Mortgage and Housing CorporationAffordability and debt-service ratiosNot specified2026-07-26
MortgagesFinancial Consumer Agency of CanadaMortgage renewal, prepayment and consumer guidanceNot specified2026-07-26
Renewing your mortgageFinancial Consumer Agency of CanadaMortgage renewal statements and timelinesNot specified2026-07-26
Paying off your mortgage fasterFinancial Consumer Agency of CanadaMortgage lump sums, payment increases and accelerated frequenciesNot specified2026-07-26
Mortgage fees: Prepayment penaltiesFinancial Consumer Agency of CanadaPrepayment privileges, contract limits and potential chargesNot specified2026-07-26
Calculating Land Transfer TaxGovernment of OntarioOntario land transfer tax2017-01-012026-07-26
Municipal Land Transfer Tax rates and feesCity of TorontoToronto municipal land transfer tax2026-04-012026-07-26
Property transfer taxGovernment of British ColumbiaBritish Columbia property transfer taxNot specified2026-07-26
Droits sur les mutations immobilièresGouvernement du QuébecQuebec property transfer duties2026-01-012026-07-26
Understanding interest ratesBank of CanadaInterest-rate educationNot specified2026-07-26

A review date records when RateReset checked the linked source; it does not guarantee that an authority has not changed a rule since that date. Material configuration updates require a new internal version identifier and effective date.