{"id":73037,"date":"2025-04-03T02:42:12","date_gmt":"2025-04-03T02:42:12","guid":{"rendered":"https:\/\/yanicksarrazin.com\/?p=73037"},"modified":"2025-04-03T02:43:06","modified_gmt":"2025-04-03T02:43:06","slug":"mortgage-reforms-towards-easier-access-to-home-ownership-for-canadians-2","status":"publish","type":"post","link":"https:\/\/yanicksarrazin.com\/en\/immobilier\/non-classifiee-en\/mortgage-reforms-towards-easier-access-to-home-ownership-for-canadians-2\/","title":{"rendered":"Mortgage reforms: towards easier access to home ownership for Canadians"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"73037\" class=\"elementor elementor-73037 elementor-62286\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46c480b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46c480b6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a1d4a12 stretch-to-none\" data-id=\"3a1d4a12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-411e56a8 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"411e56a8\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tMortgage reforms - Important points\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__411e56a8\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__411e56a8\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__411e56a8\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca3ae78 elementor-widget elementor-widget-text-editor\" data-id=\"ca3ae78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As of December 15, Canadians will find it easier to buy a home, thanks to two new reforms implemented by the federal government. These measures will raise the ceiling on mortgage loans and increase the repayment period on mortgage loans.<\/p><p>In this article, our Montreal real estate brokers explain the main changes that will help Canadians acquire property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-804ee78 elementor-widget elementor-widget-heading\" data-id=\"804ee78\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Housing plan and mortgage reforms<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93338c elementor-widget elementor-widget-text-editor\" data-id=\"93338c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In recent years, the dream of owning a home in Canada has become increasingly difficult for many Canadians, especially young adults. To remedy this situation, <a href=\"https:\/\/www.canada.ca\/en\/department-finance\/news\/2024\/09\/the-boldest-mortgage-reforms-in-decades.html\">the federal government has announced the construction of 4 million new housing units<\/a>, as well as the introduction of two mortgage reforms as of December 15, 2024, which are just some of the initiatives being put in place. Federal Finance Minister Chrystina Freeland has announced that these new measures are designed to create intergenerational equity. The new mortgage reforms consist of:<\/p><p>1. Increase the price ceiling from $1 million to $1.5 million for insured mortgages.<br \/>2. Extend eligibility for 30-year mortgage amortization to all first-time and newly built homebuyers.<\/p><p><em>\u201cWe&#8217;re raising the ceiling on insured mortgages to take account of property prices in more expensive cities. Also, people who buy a property have more time to repay their mortgage. [&#8230;] These are measures aimed at creating equity between generations.\u201d<\/em> &#8211; Chrystina Freeland, Federal Minister of Finance<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ded5a61 elementor-widget elementor-widget-spacer\" data-id=\"4ded5a61\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d7918fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d7918fa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e8f1e3c stretch-to-none\" data-id=\"1e8f1e3c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28ab1606 elementor-widget elementor-widget-heading\" data-id=\"28ab1606\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Price ceiling increased from $1 million to $1.5 million for insured mortgages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49e687b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49e687b1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-47358cac stretch-to-none\" data-id=\"47358cac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7453ae6a elementor-widget elementor-widget-text-editor\" data-id=\"7453ae6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/\">Mortgage loan<\/a> insurance is mandatory when you want to buy a property with a<a href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/how-much-do-you-need-for-a-down-payment\/\"> down payment<\/a> of less than 20% &#8211; the guarantee covers down payments between 5% and 20%. This guarantee allows Canadians to obtain a mortgage of up to 95% of the price of the property, at a reasonable interest rate, even if the down payment is lower. This will provide stability to the mortgage market, and also offers protection to the lender in the event that the buyer is unable to make mortgage payments.<\/p><p>At present, mortgage loan insurance applies only to properties of $1 million or less. However, as of December 14, 2024, mortgage loan insurance will be eligible for properties up to $1.5 million. The amount attributed to mortgage properties ranging from $1 million and under had not been modified by the Government of Canada since 2012. By increasing this limit, the federal government is adjusting the housing plan to current financial realities and market prices. This reform will enable more people to qualify for mortgage loan insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7246b21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7246b21\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54167fa stretch-to-none\" data-id=\"54167fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bf5f4b8 elementor-widget elementor-widget-heading\" data-id=\"1bf5f4b8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">30-year depreciation eligibility extended to all first-time buyers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55f098c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55f098c4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56c27096 stretch-to-none\" data-id=\"56c27096\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4578ea78 elementor-widget elementor-widget-text-editor\" data-id=\"4578ea78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As of December 15, anyone buying their first property or a newly-built property will be able to amortize their <a href=\"https:\/\/ici.radio-canada.ca\/info\/breve\/10608\/changements-prets-hypothecaires-premiers-acheteurs\">mortgage over 30 years<\/a>. For a property to qualify as new construction, it must not have been used as a residence before. To qualify, you must meet <strong>one<\/strong> of the following criteria:<\/p><p>1. You have never previously purchased a property;<br \/>2. In the last four years, you have not occupied a property that you or your spouse owned;<br \/>3. You have recently experienced the end of a marriage or civil union. To this extent, the regulations adopt the Canada Revenue Agency&#8217;s approach to the Home Buyers&#8217; Plan. This program allows you to withdraw funds from your Registered Retirement Savings Plan (RRSP) to buy or build a home.<\/p><p>These two reforms have two main objectives: (1) to enable buyers to reduce their mortgage payments on a monthly basis, thereby making home ownership more affordable, and (2) to encourage the construction of new buildings. To be considered a new property, the real estate must not have been occupied for residential purposes.<\/p><p>All in all, this adjustment in the housing plan is an opportunity for Canadians, and demand for real estate should increase dramatically. We invite you to contact our brokers today to start your search for your first property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f415dd0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f415dd0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78fb3af4 stretch-to-none\" data-id=\"78fb3af4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c348d70 elementor-widget elementor-widget-spacer\" data-id=\"4c348d70\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18208546 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18208546\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b1fc56 stretch-to-none\" data-id=\"6b1fc56\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53a30038 elementor-widget elementor-widget-text-editor\" data-id=\"53a30038\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Sources :\u00a0<\/strong><\/p><p>Extended 30-year mortgage amortization. <a href=\"https:\/\/ici.radio-canada.ca\/rci\/fr\/nouvelle\/2104872\/amortissement-hypotheque-trente-ans-elargi\">https:\/\/ici.radio-canada.ca\/rci\/fr\/nouvelle\/2104872\/amortissement-hypotheque-trente-ans-elargi<\/a><\/p><p>Government of Canada. The Home Buyers&#8217; Plan. <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/what-home-buyers-plan.html\">https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/what-home-buyers-plan.html<\/a><\/p><p>How much do you need for a down payment? <a href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/how-much-do-you-need-for-a-down-payment\/\">https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/how-much-do-you-need-for-a-down-payment\/\u00a0<\/a><\/p><p>Mortgages: understanding them better for a real estate purchase <a href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/\">https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/\u00a0<\/a><\/p><p>Ottawa gives first-time buyers another boost. <a href=\"https:\/\/ici.radio-canada.ca\/info\/breve\/10608\/changements-prets-hypothecaires-premiers-acheteurs\">https:\/\/ici.radio-canada.ca\/info\/breve\/10608\/changements-prets-hypothecaires-premiers-acheteurs\u00a0<\/a><\/p><p>The Boldest Mortgage Reforms in Decades. <a href=\"https:\/\/www.canada.ca\/en\/department-finance\/news\/2024\/09\/the-boldest-mortgage-reforms-in-decades.html\">https:\/\/www.canada.ca\/en\/department-finance\/news\/2024\/09\/the-boldest-mortgage-reforms-in-decades.html<\/a><\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgage reforms &#8211; Important points As of December 15, Canadians will find it easier to buy a home, thanks to two new reforms implemented by the federal government. These measures will raise the ceiling on mortgage loans and increase the repayment period on mortgage loans. In this article, our Montreal real estate brokers explain the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":62301,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[534],"tags":[926,927,928,930],"class_list":["post-73037","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee-en","tag-courtier-immobilier-en","tag-immobilier-en","tag-information-acheteur-montreal-en","tag-propriete-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage reforms: towards easier access to home ownership for Canadians - Courtier Immobilier Montr\u00e9al Yanick E Sarrazin<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/non-classifiee-en\/mortgage-reforms-towards-easier-access-to-home-ownership-for-canadians-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage reforms: towards easier access to home ownership for Canadians - Courtier Immobilier Montr\u00e9al Yanick E Sarrazin\" \/>\n<meta property=\"og:description\" content=\"Mortgage reforms &#8211; Important points As of December 15, Canadians will find it easier to buy a home, thanks to two new reforms implemented by the federal government. These measures will raise the ceiling on mortgage loans and increase the repayment period on mortgage loans. 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