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The Second Suite Project Checklist
A basement apartment is legal only when three separate rulebooks are satisfied at once — and Bill 23 only fixed one of them. This is the checklist that tells you which layer you're failing, in what order to check, and why the number you found online might be wrong.
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All 5 steps
- Confirm your lot is in a settlement area on full municipal water AND sewer — the three-unit floor doesn't reach well-and-septic lots
- Book the free municipal pre-consultation before you spend anything on drawings
- Never take a ceiling height or fire rating from a firm that sells basement conversions — six 2026 pages give six different answers
- If you're planning a fourth unit in Toronto, confirm the development charge treatment with the City — the provincial exemption is written for units two and three
- Confirm your insurer knows about the suite — the quiet penalty for an illegal unit is a denied claim, not a fine
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