Understanding the Rules Around Pets for Ontario Renters

Bringing a furry family member into a rental can feel stressful when listings say “no pets,” condo rules look strict, and everyone has an opinion. The good news: Ontario law gives renters real protections, and there are clear situations where a landlord can take action. This guide breaks down what is actually legal in Ontario, how condo rules fit in, when service and support animals must be accommodated, and the local by-laws that apply across the Greater Toronto Area.

The law, plainly: What the Residential Tenancies Act (RTA) says

“No pets” clauses are void after you become a tenant

Section 14 of Ontario’s Residential Tenancies Act, 2006 makes any provision in a tenancy agreement that…

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Which Tenant “Qualifications” Are Realistic in 2025?

Choosing the right tenant is both an art and a compliance exercise. In 2025, GTA homeowners renting a condo, basement suite, or investment property face a tighter rulebook, evolving market conditions, and applicants with increasingly diverse profiles—newcomers, remote workers, students, and families. The goal is simple: screen fairly, follow Ontario law, and land a qualified tenant who will pay on time, care for the home, and be a good neighbour.

Below is a fact-checked, plain-language guide to what is realistic (and legal) to ask for this year, plus what to avoid so you protect yourself without running afoul of the Residential Tenancies Act (RTA), the Ontario Human Rights Code, or privacy rules.

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Can I Use Life Insurance for a Down Payment? (GTA Homebuyer’s Guide)

Saving a down payment is one of the biggest hurdles to homeownership, especially across the GTA. If you have permanent life insurance (whole life or universal life), you might be wondering whether you can use it to help fund your purchase. Could that be the missing piece that gets you through the door of a Toronto condo, a Mississauga townhouse, or a family home in Etobicoke?

Below, you will find how it works in Canada, lender and insurer rules you must meet, tax risks to watch, and smarter alternatives to consider—so you can decide confidently.

The 3 Ways Life Insurance Can Fund a Down Payment

1) Withdraw cash value (permanent life only)

Permanent life insurance (whole…

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