2026 Updates
6 articles in 2026 Updates. Each verified against an official source and linked to a calculator.
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What Changed in Mortgage Rules for 2026
2026 mortgage policy: insured price cap raised to $1.5M, 30-year amortization now allowed for first-time buyers and new construction (with 0.20% surcharge). Stress test unchanged.
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RRSP Rules 2026: Contribution Limit, Deadline, Withdrawals, HBP, and Withholding
The 2026 RRSP dollar limit is $33,810 (up from $32,490 in 2025); the 60th-day contribution deadline for the 2026 tax year is March 1, 2027. The 18%-of-earned-income formula and $2,000 lifetime over-contribution cushion are unchanged. RRSP withdrawals trigger withholding tax (10/20/30% federal). HBP withdrawal limit is $60,000 per person. FHSA annual room $8,000 / lifetime $40,000.
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What Changed in Federal Income Tax for 2026
Federal lowest bracket rate is 14% (was 15% before July 2025). Basic Personal Amount $16,452 (was $16,129). All bracket thresholds indexed +2.7%. Other rates unchanged.
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What Changed in TFSA for 2026
TFSA dollar limit stays at $7,000 for 2026 (third year unchanged) due to rounding rules. Cumulative room reaches $109,000 going into 2026.
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What Changed in OAS for 2026
OAS for 2026: Apr-Jun 2026 max monthly $743.05 (65-74) and $817.36 (75+); 2026 income-year clawback threshold $95,323 (affects OAS Jul 2027-Jun 2028); full clawback ceilings estimated at $154,753 and $160,696. Includes the benefit-period to income-year mapping table.
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What Changed in CPP for 2026
Three meaningful CPP changes for 2026: YMPE $71,300 to $74,600, YAMPE $81,200 to $85,000, max monthly at 65 $1,433.00 to $1,507.65. Contribution rates unchanged.