Terms of Use

Information only, not advice

Content on this site, including data, explanations, rankings and calculator results, is general information. It isn't financial, mortgage, legal, tax or real estate advice, and it isn't an offer or approval of credit. Your situation is unique: talk to a lender, licensed mortgage professional, lawyer or tax adviser before making a decision.

Calculators

Calculators produce estimates based on the information you enter and on published rules as we understand them. Lenders, insurers and governments apply their own criteria, rounding, fees and exceptions, so actual amounts can differ. Results don't guarantee that you'll qualify for a mortgage, rebate, credit or program.

Data and accuracy

We take data from official publishers and review it before publishing, but we can't guarantee that every figure is complete, current or error-free. Agencies revise past figures, and rules change. Each figure shows its reference period; check the original source for anything you rely on.

Official data and attribution

Statistics Canada data are used under the Statistics Canada Open Licence. Housing Market Insider isn't affiliated with, or endorsed by, Statistics Canada, CMHC, the Bank of Canada or any government agency. References to these organizations identify the source of the data only.

No lender relationships

We don't receive compensation from lenders, brokers, builders or real estate firms, and nothing on the site is a recommendation of any product or company.

Our content

The site's text, explanations, design, logo and software are owned by Housing Market Insider and protected by copyright and trademark law. Official data remains subject to its publisher's licence. You may view and share pages for personal, non-commercial use and quote short excerpts with a link to the source page. Any other copying, republishing or commercial use requires our written permission.

Acceptable use

• Don't use the site for anything unlawful or misleading.
• Don't interfere with the site's operation, security or other users' access.
• Don't use automated tools to copy the site in bulk or place excessive load on it.
• Don't present our content or calculators as your own or as personalized advice.

Links to other websites

We link to official sources and other websites for reference. We're not responsible for their content, availability or practices.

Disclaimer

The site is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose and non-infringement, to the extent permitted by law.

Limitation of liability

To the extent permitted by law, Housing Market Insider isn't liable for any loss or damage arising from your use of, or reliance on, the site, its data or its calculators, including financial loss from decisions made using information on the site.

Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there.

Changes

We may update these terms. The effective date at the top shows when they last changed, and continued use of the site means you accept the updated terms.

Contact

Questions about these terms: data@housingmarketinsider.ca.