Pre-construction · July 20, 2026

HST rebate timing risk for pre-construction buyers

Urbanation notes that the proposed HST relief requires construction to start before 31 March 2027 and be substantially complete by 31 December 2029. A project that starts late may not qualify.

Aerial view of Oakville’s harbour, downtown and the Lake Ontario shoreline

Photo: Canmenwalker, CC BY 4.0, via Wikimedia Commons. Illustrative: it does not show the property or event described.

Source: Urbanation Q2 2026, as reported by MPA ↗

Urbanation notes that the proposed HST relief requires construction to start before 31 March 2027 and be substantially complete by 31 December 2029. A project that starts late may not qualify.

What it means: Ask the builder, in writing, when construction starts and whether your unit is expected to qualify. Confirm with your lawyer.

Eligibility rules can change. Confirm current rules with the CRA or your lawyer.

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The lighthouse-style building at Bronte Harbour, Oakville, with boats behind it

Rates & policy · October 28, 2026Bank of Canada rate decision (with Monetary Policy Report)The policy rate has been held at 2.25% since December 2025. The next decision is 28 October, and it comes with updated forecasts.Bank of Canada schedule

Oakville Town Square with its street clock, flags and brick buildings on a sunny day

Rates & policy · October 22, 2026Bank of Canada increasingly expected to raise interest rates this monthCBC reports that markets now price a quarter-point Bank of Canada hike on 28 October as likely, and that several major bank economists have moved from expecting a hold to expecting a hike. It pairs that with weak buyer demand: CREA has cut its 2026 sales forecast again, and an analyst quoted calls national sales volume a 25-year low.CBC News

Rates & policy · October 19, 2026Statistics Canada releases September inflation (CPI)The September CPI is scheduled for Monday 19 October at 8:30 a.m. ET, nine days before the Bank of Canada’s 28 October decision. August inflation was 3.0% year over year, driven mostly by gasoline; excluding gasoline it was 2.4%. A hotter September strengthens the case for a hike; a cooler one weakens it.Statistics Canada

Summaries are independently written; the source is credited and linked where a link exists. Not financial, mortgage, tax or legal advice. Not intended to solicit buyers or sellers currently under contract with another brokerage. Yovan Gabric, REALTOR®, Royal LePage Pinnacle, Brokerage, independently owned and operated. E. & O.E.

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HST rebate timing risk for pre-construction buyers

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