Cottage guides & market insight
Plain-language answers to the questions cottage buyers and owners ask most.
Do You Charge HST on Cottage Rentals in Ontario?
HST on cottage rentals in Ontario: when weekly rentals are taxable, the $30,000 small supplier threshold, platform rules and the trap when you later sell.
Cottage Rental Income Tax in 2026: What You Can Deduct
Cottage rental income tax explained: reporting on T776, splitting personal and rental use, and the rule that denies all expenses for non-compliant rentals.
What to Disclose When Selling a Cottage in Ontario
What to disclose when selling a cottage in Ontario: septic, wells, shoreline encroachments, access and unpermitted buildings, plus the records to gather.
Free Well Water Testing in Ontario: How to Test Your Cottage Well
Free well water testing in Ontario covers E. coli and coliforms for cottage wells. How to sample, drop-off timing, reading results and what to do next.
Cottage Insurance in Ontario: Wood Stoves, Vacancy and Rentals
Cottage insurance in Ontario: what drives the premium, wood stove inspections, empty-cottage rules, rentals and the 2026 carbon monoxide alarm changes.
How Much Does a Cottage Cost per Year in Ontario? A 2026 Budget
How much does a cottage cost per year? A line-by-line 2026 budget for an Ontario cottage: property tax, insurance, hydro, septic, roads and docks.
Passing the Cottage to Your Kids: Tax, Probate and Your Options
Passing the cottage to your kids triggers capital gains tax and often probate. A worked example, plus wills, gifts, trusts and life insurance compared.
Can Americans Buy a Cottage in Ontario in 2026?
Can Americans buy a cottage in Ontario? Often yes: the federal ban exempts many cottage areas, but the 25% NRST applies. What to check before an…
Capital Gains on a Cottage in 2026: The Principal Residence Rules
How capital gains on a cottage are taxed in 2026, when a cottage can be your principal residence, which home to designate, and a worked example.
Selling a Cottage in the Fall or Waiting for Spring?
Selling a cottage in the fall works well for four-season, road-access properties. When to list now, when to wait for spring, and what to do in…
Land Transfer Tax on a Cottage in Ontario: Worked Examples
Land transfer tax on a cottage in Ontario, with worked examples from $500,000 to $2.5 million, the first-time buyer refund and other closing costs.
Ontario Cottage Prices 2026 by Region: Where Buyers Have Leverage
Ontario cottage prices 2026 by region: Muskoka, Haliburton, the Kawarthas and more, which markets favour buyers, and how to read the averages properly.
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