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10 of 432 guides

Showing Ontario, article format matching “service”, newest first.

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  • Bill 60 and Bill 97: What Landed July 1, 2026 — and What Changed September 21Rights & Legal
    ONArticle

    Bill 60 and Bill 97: What Landed July 1, 2026 — and What Changed September 21

    Ontario's biggest tenancy-law overhaul in a generation arrived in two waves. On July 1, 2026, the quiet procedural wave took effect: review deadlines cut to 15 days, the LTB's Payment Agreement Form mandatory for repayment plans, directed service of above-guideline increase orders tightened to 7 days, tenants' new righ

    20 min read
  • Representing Yourself at the LTB: The Landlord's EditionRights & Legal
    ONArticle

    Representing Yourself at the LTB: The Landlord's Edition

    Most parties at the LTB appear without a lawyer — the Board is built for it. But it dismisses landlord applications every day on technicalities, not merits: a miscalculated termination date, an arrears figure that doesn't match the ledger, service that can't be proven. This guide covers what self-representation actuall

    14 min read
  • How Lenders Count Rental Income: The Mortgage Math Every Canadian Investor Should KnowFinances & Budgeting
    ONArticle

    How Lenders Count Rental Income: The Mortgage Math Every Canadian Investor Should Know

    Rental income can qualify you for a much bigger mortgage — but only a fraction of it usually counts, and how much depends on the method your lender uses. This guide explains the two ways lenders treat rental income (offset vs add-back), how the debt-service ratios and the stress test actually work, what the 2026 OSFI c

    10 min read
  • Vital Services in Ontario: Heat, Water, and What a Landlord Can Never Cut OffMaintenance & Repairs
    ONArticle

    Vital Services in Ontario: Heat, Water, and What a Landlord Can Never Cut Off

    Heat, water, electricity, gas — these are "vital services" in Ontario, and a landlord can't withhold or deliberately interfere with them, ever. Not for unpaid rent, not for a damaged unit, not until an eviction is actually enforced. There's a minimum heat standard (and stricter city bylaws), a rule that makes the landl

    9 min read
  • The T2 Application: How Ontario Tenants Enforce Their RightsRights & Legal
    ONArticle

    The T2 Application: How Ontario Tenants Enforce Their Rights

    When a landlord enters without notice, harasses, changes the locks, or shuts off a vital service, the T2 is how an Ontario tenant fights back. This guide covers exactly what the T2 covers, the strict one-year deadline, the remedies you can ask for — rent abatement, compensation, an order to stop — and the mistakes that

    11 min read