Canada's Heaven Homes hub covers Toronto, Vancouver, Montreal, Calgary, Ottawa, Edmonton, Halifax and the Maritimes. Median prices in 2026: Toronto CAD 1.12m, Vancouver CAD 1.28m, Montreal CAD 560k, Calgary CAD 615k, Ottawa CAD 685k, Halifax CAD 475k. The federal Prohibition on the Purchase of Residential Property by Non-Canadians Act (foreign buyer ban) is in force through 1 January 2027 — with key exemptions: temporary residents (work/study permit holders meeting criteria), refugees, properties outside CMA/CA (under 10k pop), recreational property in some areas. Heaven Homes flags exemption status on every listing. On top of the ban, when buying is permitted, Ontario charges an NRST (Non-Resident Speculation Tax) of 25%, BC a 20% Additional Property Transfer Tax in specified regions. Buying costs (resident): land transfer tax 1-2.5% (Toronto doubles this with the MLTT), lawyer CAD 1,500-2,500, title insurance CAD 350. Closings via lawyer + lender — 30-60 days. Resident mortgages 80% LTV at ~5.5%; non-resident exempted buyers 65% LTV at ~6.5%. Yields: Calgary/Edmonton 6-7%, Halifax 5-6%, Montreal 4-5%, Toronto/Vancouver 3-4%. Investor visa: Quebec's QIIP suspended; Federal Start-Up Visa is the alternative.
