Canadian reference directory
Resources for home and property decisions
This directory brings together Canadian government, regulatory and established industry references related to Home Logic's nine subject areas. Each note describes what a source can help you research; it does not replace current provider terms, local rules or professional advice.
Mortgages & Home Loans
Understand Canadian mortgage products, home financing, lending terms and the questions to ask before borrowing.
Published Home Logic guides
- Financial Consumer Agency of Canada — Choosing a mortgageExternal resource ↗, opens in a new tab
Explains mortgage terms, rates, payments, costs and contract features to compare when choosing a mortgage.
- Financial Consumer Agency of Canada — Getting pre-approvedExternal resource ↗, opens in a new tab
Describes what a mortgage pre-approval can tell you, what lenders may review and why it is not a final financing guarantee.
- Canada Mortgage and Housing Corporation — Buying a homeExternal resource ↗, opens in a new tab
CMHC's home-buying hub includes planning information and tools for researching affordability and mortgage loan insurance.
Personal Loans & Financing
Learn about personal borrowing, repayment, interest, credit and common financing choices in Canada.
Published Home Logic guides
- Financial Consumer Agency of Canada — Personal loansExternal resource ↗, opens in a new tab
Covers personal-loan types, costs, repayment and questions to consider before borrowing.
- Financial Consumer Agency of Canada — Lines of creditExternal resource ↗, opens in a new tab
Explains how lines of credit work, including limits, interest and potential fees.
- Financial Consumer Agency of Canada — Credit reports and scoresExternal resource ↗, opens in a new tab
Provides information about Canadian credit reports and scores, obtaining a report and correcting errors.
- Financial Consumer Agency of Canada — Canadian oversight organizationsExternal resource ↗, opens in a new tab
Introduces Canadian organizations that coordinate or share oversight responsibilities in the financial system; check the named regulator for a specific institution or product.
Home Insurance
Explore home insurance coverage, exclusions, deductibles, water damage and claims for Canadian properties.
Published Home Logic guides
- Financial Consumer Agency of Canada — Home insuranceExternal resource ↗, opens in a new tab
Outlines common home-insurance protections and considerations for homeowners, condo owners and tenants.
- Insurance Bureau of Canada — Types of home coverageExternal resource ↗, opens in a new tab
Summarizes common home-insurance policy forms and coverage concepts from Canada's property and casualty insurance industry association.
- Insurance Bureau of Canada — Water damage and flood protectionExternal resource ↗, opens in a new tab
Explains water and flood risks and preparedness considerations; policy coverage still depends on the insurer's contract.
- Financial Consumer Agency of Canada — Canadian oversight organizationsExternal resource ↗, opens in a new tab
Introduces Canadian organizations that coordinate or share oversight responsibilities in the financial system; check the named regulator for a specific institution or product.
Auto & Car Insurance
Understand Canadian auto insurance coverage, provincial differences, premiums and what to do after a collision.
Published Home Logic guides
- Insurance Bureau of Canada — Mandatory auto insurance requirementsExternal resource ↗, opens in a new tab
Provides a province-by-province overview of mandatory auto-insurance requirements; confirm current details with the local regulator or public insurer.
- Insurance Bureau of Canada — Types of auto coverageExternal resource ↗, opens in a new tab
Introduces common auto-insurance coverage types and the questions drivers can ask when comparing protection.
- Financial Services Regulatory Authority of Ontario — Optional and extra coverage (Ontario-specific)External resource ↗, opens in a new tab
Explains optional and extra auto coverage under Ontario's system. It applies to Ontario and should not be treated as a national rule.
- Financial Consumer Agency of Canada — Canadian oversight organizationsExternal resource ↗, opens in a new tab
Introduces Canadian organizations that coordinate or share oversight responsibilities in the financial system; check the named regulator for a specific institution or product.
Roofing, Windows & Home Repairs
Plan roof, window and exterior repairs with practical guidance on materials, maintenance and Canadian weather.
Published Home Logic guides
- Innovation, Science and Economic Development Canada — Home renovationsExternal resource ↗, opens in a new tab
Offers consumer guidance on planning renovation work, choosing contractors and understanding written contracts.
- Natural Resources Canada — Keeping the Heat InExternal resource ↗, opens in a new tab
Natural Resources Canada's home-retrofit guide covers building science, insulation and air-sealing considerations.
- Government of Canada — Renovating for energy efficiencyExternal resource ↗, opens in a new tab
Explains how a home's envelope, ventilation and heating or cooling equipment interact when planning efficiency improvements.
Heating, Cooling & Energy Efficiency
Learn about Canadian home heating, cooling, heat pumps, insulation and energy efficiency.
Published Home Logic guides
- Government of Canada — Facts about electric heat pumpsExternal resource ↗, opens in a new tab
Answers common questions about electric heat pumps; equipment fit and performance depend on the home, climate and installation.
- Natural Resources Canada — Keeping the Heat InExternal resource ↗, opens in a new tab
Natural Resources Canada's home-retrofit guide covers building science, insulation and air-sealing considerations.
- Government of Canada — Renovating for energy efficiencyExternal resource ↗, opens in a new tab
Explains how a home's envelope, ventilation and heating or cooling equipment interact when planning efficiency improvements.
Home Improvement & Renovations
Plan Canadian home renovations, permits, project scopes, contractor questions and ongoing maintenance.
- Innovation, Science and Economic Development Canada — Home renovationsExternal resource ↗, opens in a new tab
Offers consumer guidance on planning renovation work, choosing contractors and understanding written contracts.
- Government of Canada — Renovating for energy efficiencyExternal resource ↗, opens in a new tab
Explains how a home's envelope, ventilation and heating or cooling equipment interact when planning efficiency improvements.
- Natural Resources Canada — Keeping the Heat InExternal resource ↗, opens in a new tab
Natural Resources Canada's home-retrofit guide covers building science, insulation and air-sealing considerations.
Smart Homes & Security
Explore connected home devices, smart thermostats, security systems, privacy and device maintenance.
Published Home Logic guides
- Innovation, Science and Economic Development Canada — Internet of Things checklist for consumersExternal resource ↗, opens in a new tab
A consumer checklist for connected devices, including privacy, security, expected lifespan and offline operation.
- Canadian Centre for Cyber Security — Router security best practicesExternal resource ↗, opens in a new tab
The Canadian Centre for Cyber Security's router guidance covers practical steps for securing a home network.
Canadian Property & Homeownership
Navigate Canadian homeownership, property maintenance, seasonal preparation and local responsibilities.
- Canada Mortgage and Housing Corporation — Buying a homeExternal resource ↗, opens in a new tab
CMHC's home-buying hub includes planning information and tools for researching affordability and mortgage loan insurance.
- Innovation, Science and Economic Development Canada — Home renovationsExternal resource ↗, opens in a new tab
Offers consumer guidance on planning renovation work, choosing contractors and understanding written contracts.
- Natural Resources Canada — Keeping the Heat InExternal resource ↗, opens in a new tab
Natural Resources Canada's home-retrofit guide covers building science, insulation and air-sealing considerations.
Home Logic is an informational publication. For decisions about an individual mortgage, insurance policy, loan, building project or legal obligation, confirm details with the responsible provider, regulator, local authority or qualified professional. Read the disclaimer.