D’où viennent ces chiffres

Les règles de prêt, les régimes fiscaux et les rendements de planification qu’utilise chaque page, où que vous achetiez.

• ConfirméCMHC, Mortgage Loan Insurance: Premium Information for Homeowner and Small Rental Loansau 2026-08-24
• ConfirméCMHC Home Start — eligibility requirementsau 2026-08-24
• ConfirméCMHC, Calculating GDS / TDSau 2026-08-24
• ConfirméOSFI, Minimum qualifying rate for uninsured mortgages (Guideline B-20)au 2026-01-29
• ConfirméBank of Canada, Valet API, series V80691311 (Prime rate)au 2026-08-19
• ConfirméBank of Canada, Valet API, series BROKER_AVERAGE_5YR_VRM (Estimated variable mortgage rate)au 2026-08-20

  The one mortgage rate in this file with an official publisher, and it is an ESTIMATED AVERAGE across brokers. The two fixed rates beside it are lowest-available quotes from an aggregator. Comparing variable against fixed here therefore compares an average against a best case, which flatters fixed. The alternative — dropping to an aggregator's lowest variable (3.35% the same day) for consistency — would trade a central bank for a commercial site, so the mismatch is kept and disclosed.

• ConfirméCRA, Participating in your FHSAsau 2026-08-24
• ConfirméCRA, MP, DB, RRSP, DPSP, ALDA, TFSA limits, YMPE and the YAMPE (2026 RRSP dollar limit)au 2026
• ConfirméDepartment of Finance Canada — the increase to two-thirds was deferred 2025-01-31 and cancelled 2025-03-21, never enactedau 2025-03-21
• ConfirméCRA, First-time home buyers' (FTHB) GST/HST rebate (Bill C-4)au 2026-03-12
• ConfirméCRA line 31270 (Home buyers' amount, $10,000 claim) x the 14% lowest federal rate for 2026au 2026-08-24

  Derived, not quoted, and the derivation is the whole point. A federal non-refundable credit is the lowest bracket rate times the claim; CRA states the lowest rate as 14% for 2026 and later, and confirms the claim is still $10,000. $10,000 x 14% = $1,400. The CRA page that says $1,500 is scoped to a home bought in 2025, when the rate was higher. Independently corroborated by Quebec's Ministere des Finances, whose bulletin on the refundable home-access credit lists the FEDERAL credit at $1,169 — exactly $1,400 x 0.835, the Quebec abatement.

• ProbableCMHC Purchase — eligibility requirementsau 2026-08-24

  25 years is CMHC's published maximum for an insured loan outside Home Start, and that much is verified. The field name claims more than the source covers: a borrower with 20%+ down needs no insurance and is not bound by it — 30-year, often 35-year, uninsured amortizations are lender discretion. Read nowhere in the codebase today; the gap is the field's scope, not its value.

• ProbableWOWA, Best Mortgage Rates Canada (lowest 5-year fixed, by insurance segment)au 2026-08-24

  Lowest 5-year fixed INSURED (down payment under 20%). No official publisher exists for Canadian 5-year fixed contract rates: the Bank of Canada's only broker series is variable-rate, and its Conventional mortgage 5-year series is a posted rate (6.09% the same day), not an offered one. Read off WOWA on 2026-08-24 and capped at medium for that reason.

  Lowest 5-year fixed UNINSURABLE. No official publisher exists for Canadian 5-year fixed contract rates: the Bank of Canada's only broker series is variable-rate, and its Conventional mortgage 5-year series is a posted rate (6.09% the same day), not an offered one. Read off WOWA on 2026-08-24 and capped at medium for that reason. Lenders price three segments, not two: insured (under 20% down, 3.94%), insurable (20%+ down, home under $1M, amortization 25 years or less — 4.04%) and uninsurable (home at $1M+, or a longer amortization, or a refinance — 4.24%). defaultContractRate() has only a 20%-down switch, so it hands every 20%-down borrower the uninsurable rate; for a sub-$1M 25-year buyer that is ~20bp conservative. The 4.39% in the 2026-08-17 research report was a 2026-08-03 quote and is not reproducible today.

• ProbableCRA, How to make withdrawals from your RRSPs under the Home Buyers' Planau 2026-08-24

  CRA states this as an 89-day period, not 90 — five times on one page, and in the T1036 worksheet. 90 is the industry's rounding, and it is what this field holds. It is not corrected to 89 here because Metadata.rrspHbp.description hardcodes "wait 90 days" in both locale files, and a value/copy split would be worse than a consistent rounding. Correct both together. CRA's rule is also narrower than the UI's phrasing: it restricts the DEDUCTIBILITY of contributions made in the window, rather than imposing a holding period on the funds.

• ProbableCRA, How to repay the amounts withdrawn from your RRSPs under the Home Buyers' Planau 2026-08-24

  Correct for a withdrawal made today, and only for that. CRA defers the 15-year repayment period by a further three years for a FIRST withdrawal made between 2022-01-01 and 2025-12-31, making the grace 5 years for that cohort — a window that closed eight months ago, so many buyers on this page are in it. The value cannot honestly be a constant; it is a function of the withdrawal year. Deferred to the RRSP-HBP milestone, which is the only screen that consumes it.

• HypothèseFP Canada / Institute of Financial Planning, 2026 Projection Assumption Guidelines (April 2026)

  A forward-looking house price growth assumption, not a forecast anyone is accountable for. The value is taken from FP Canada's 2026 Projection Assumption Guidelines, which is the Canadian standard for long-term projections — but a projection assumption is still an assumption, so it is disclosed as one rather than presented as a rate that will happen.

  A forward-looking return assumption. No authority publishes one for a portfolio label, and past returns are not a source for a future rate; the three tiers exist so the reader can see how much the answer depends on it. FP Canada's 2026 Guidelines publish asset classes, not portfolios: short-term 2.4%, fixed income 3.2%, Canadian equities 6.3%, and require fees to be subtracted from all of them.

  A modelling return on savings held before closing, and on current evidence too high: 3.5% is above FP Canada's own 2026 fixed-income assumption of 3.2%, and well above what a high-interest savings account pays with the overnight rate at 2.25%. It makes saving longer look better than it is, which biases the Down Payment and Rent vs Buy answers. Choosing a better default is a product decision, not a sourcing one.

• HypothèseAucune source publiée

  Zero appreciation, offered deliberately as the assumption-free case rather than as a forecast.

• HypothèseAucune source publiée

  There is no federal heating allowance to be out of date with. CMHC's own GDS/TDS guidance tells the underwriter to ask the borrower and use actual heat cost records, and where none exist, to estimate from property size, location and heating system. $150/month is a lender convention (commonly $100-$175) standing in for that estimate — and a figure that is right in Vancouver is badly wrong in Winnipeg.

• HypothèseAucune source publiée

  No regulator publishes a standard selling cost; real estate commissions are negotiable by law and the structure varies by province (Quebec brokerage 4-5%; BC tiered at 7% of the first $100k then 2.5%). 5% all-in covers commission plus legal and discharge costs.

• HypothèseAucune source publiée

  The 1%-of-value-per-year rule of thumb is widely repeated but is not a published federal standard. Lenders and insurers use 1-3%, so this is the conservative end of a range, not a rate.

• HypothèseAucune source publiée

  A default, no longer read by any screen: the contract rate derives from dpPct against rates.insured / rates.uninsured. Kept so the field is not silently authoritative. It sits between the best insured and best uninsured 5-year fixed, so it models a broker-shopped borrower rather than a branch customer.

• HypothèseAucune source publiée

  Every bracket and combined rate here is an unverified prototype carry-over. Out of scope for the 2026-08-24 pass, which covered federal parameters only; the tables need their own per-jurisdiction sourcing against CRA and each provincial finance authority before marginalRate() is ported. Recorded as an assumption rather than `none` because the field holds a value; the gap is tracked on #3.

Ce que la province et la ville exigent pour muter le titre et enregistrer l’hypothèque, plus toute taxe sur la prime d’assurance.

• ConfirméManitoba Finance, Land Transfer Taxau 2026

  Confirmed an exact match to the published sliding scale and left unchanged. KNOWN EXPIRY: Manitoba Budget 2026 announced land transfer tax legislation changes taking effect in 2027, so this table has a diarised end date.

• ConfirméTeranet Manitoba, Land Titles Fees, item TR1 Transfer >30,000 Fee — $137.00 electronic, $144.00 paperau 2026-01-04

  130 -> 137. The record models ELECTRONIC registration, which is how a conveyance is filed in practice; paper is $144.

• ConfirméTeranet Manitoba, Land Titles Fees, item MTGE Mortgage — $137.00 electronic, $144.00 paperau 2026-01-04

  A NEW line. Winnipeg charged no mortgage registration fee while Saskatoon and Calgary both did — an inconsistency between jurisdictions rather than a stale number, and so wrong in a systematic direction on every cross-city comparison. Flat in Manitoba, unlike Saskatchewan's stepped table and Alberta's per-value levy.

• ProbableCMHC: only Ontario, Quebec and Saskatchewan levy a provincial sales tax on mortgage default insurance premiumsau 2026

  null is correct. Manitoba eliminated its 7% RST on mortgage-default-insurance premiums in 2020 and has not reinstated it. Medium rather than high because the removal is attested consistently across industry sources but was not confirmed on a gov.mb.ca Retail Sales Tax bulletin.

Remboursements et crédits qui allègent la facture — certains à la clôture, d’autres seulement à la déclaration de revenus.

• ConfirméEY, Combined federal and provincial personal income tax rates — 2026, Manitoba (rates reflect budget proposals and news releases to 2026-01-15)au 2026-01-15

  Replaces a placeholder that was NON-MONOTONIC (bracket 2 sat below bracket 1, impossible for a progressive schedule) and used 2024 federal thresholds. The fall from 51.25% to 50.40% above $400,000 IS real: EY note 6 records that Manitoba's basic personal amount is clawed back on net income over $200,000 and fully eliminated at $400,000, adding ~0.85% between those points and dropping off above. Read by nothing today — marginalRate() is not yet ported — which is why this was corrected now rather than after it starts moving money.

• ConfirméFederal Home Buyers' Amount: a $10,000 claim at the 2026 lowest federal personal rate of 14%au 2026

  1500 -> 1400. The $1,500 it replaces was the same credit at a 15% lowest rate. Corroborated independently by Quebec's finance ministry, which lists the federal credit at $1,169 for a Quebec filer = $1,400 x 0.835 after the 16.5% abatement.

Un taux publié s’applique à une évaluation, qui n’est pas toujours le prix de vente. Lorsque les deux diffèrent, le taux affiché est calculé, et le calcul est nommé ici.

• ConfirméCity of Winnipeg Assessment and Taxation, 2026 Combined Mill Rates by School Division — Winnipeg School Division, 29.366 millsau 2026

  CHOICE: 29.366 = the 2026 municipal mill rate (13.372) + the residential Education Support Levy (0.000 — the ESL no longer applies to residential property) + the Winnipeg School Division rate (15.994). The eight divisions run 25.223 (Pembina Trails) to 29.530 (Seven Oaks), i.e. effective rates of 0.011350 to 0.013289, so this record's division is the second-highest of eight and a Pembina Trails buyer pays ~14% less than the model shows. Sub-jurisdictional variation is out of scope per the spec; the choice is recorded rather than modelled. Also GROSS of Manitoba's Homeowners Affordability Tax Credit, which reduces the school-tax portion for a principal residence. Caveat on the source: the PDF's page footer still reads 'Last updated: April 7, 2025' although its first table is headed 2026 MILL RATES — the footer is unmaintained, not the rates.

• ConfirméCity of Winnipeg 2026 mill rate table, Portioned Percentage row: Residential Single-Family / Multi-Family / Condo = 45%, under the Municipal Assessment Act class portionsau 2026
• ConfirméDerived: propTax.publishedRate x propTax.assessmentRatioau 2026

  0.029366 x 0.45 = 0.0132147 against market price. The prototype's 0.0132 was, by coincidence, almost exactly this — the figure was right and its derivation was not recorded.

Prix de référence, loyers et variation sur un an. Les organismes ne publient pas la même mesure — référence, médiane ou moyenne — et chaque entrée précise laquelle.

• ConfirméWinnipeg Regional Real Estate Board, July 2026 release, residential-detached AVERAGE price (not an MLS® HPI benchmark)au 2026-07

  METRIC: an average. The board publishes averages and no MLS® HPI benchmark exists for Winnipeg — CREA's own board page for WRREB carries the release text and no HPI table. This is NOT the quantity Toronto, Vancouver, Calgary, Ottawa and Saskatoon hold (quality-constant MLS HPI benchmarks) nor the one Montreal holds (medians). An average is dragged by sales mix; a benchmark holds quality constant; a median is the middle sale. `bench` currently holds all three across the dataset, and choosing one metric for every record is a product decision, not a data fix. The prototype's $454,264 matches the July 2026 release to the dollar and is unchanged.

• ConfirméWinnipeg Regional Real Estate Board, July 2026 release, condominium AVERAGE price (not an MLS® HPI benchmark)au 2026-07

  METRIC: an average — no MLS® HPI benchmark exists for Winnipeg, same caveat as bench.house. $290,522, +2% year over year, matching the release to the dollar and unchanged.

• ConfirméCMHC Rental Market Survey, Winnipeg CMA, two-bedroom purpose-built apartment, reliability code aau 2025-10

  CMHC reports the average rent of the EXISTING OCCUPIED stock, which runs below asking rents for units actually turning over. October 2025 is the newest reference period CMHC publishes dollar levels for; the 2026 mid-year update is index-only.

• ProbableWinnipeg Regional Real Estate Board, July 2026 release: detached and condominium averages each +2% year over yearau 2026-07

  Precision is limited by the publisher, which reports whole percents. It is also a change in an AVERAGE, so part of any move is sales mix rather than price. Winnipeg is one of the two markets in this dataset that is rising.

Avocats, inspecteurs, déménageurs et assureurs facturent au dossier, et aucune autorité ne publie de barème. Chaque chiffre ici est une valeur par défaut que nous avons choisie.

• HypothèseAucune source publiée

  No law society or regulator publishes a conveyancing fee schedule — firms set their own. Regional modelling default.

• HypothèseAucune source publiée

  Title insurance premiums are quoted per transaction by the insurer; no schedule is published. Regional modelling default.

• HypothèseAucune source publiée

  Home inspection is priced by the inspector and is unregulated in most provinces; no authority publishes a rate. Regional modelling default.

• HypothèseAucune source publiée

  Appraisal fees are set by the appraiser or the lender's panel; no schedule is published. Regional modelling default.

• HypothèseAucune source publiée

  No single publisher covers status, estoppel and information-certificate fees across jurisdictions. Regional modelling default.

• HypothèseAucune source publiée

  Movers price by distance, volume and season; no authority publishes a rate. Regional modelling default.

• HypothèseAucune source publiée

  Utility connection and account-opening charges are set by each supplier; no single publisher covers them. SUSPECTED TRANSCRIPTION ERROR — 5x the same field in Saskatoon (550) and Calgary (600). Left unchanged because no source supports any particular replacement. Highest-value item in this record to re-check.