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Hi there,
Thinking about gifting your rental property or cottage to your child?
Canada doesn’t have a gift tax, but that doesn’t mean the transfer is tax-free.
When you gift an investment property, the CRA treats it as if you sold it at full market value, even if no money changes hands. If the property has increased in value, capital gains tax may apply.
Before transferring title, it’s important to understand:
- How capital gains are calculated
- Whether land transfer tax applies
- What estate planning alternatives may be more efficient
Passing down property can be done, but it needs to be structured properly.
Read the full breakdown before you make the move.
Let's chat.
(No pressure, just smart advice.)
Talk soon,
David |
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No Gift Tax ≠ No Tax.
Understand capital gains before you transfer your property to your kids. |
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Your Bank Won’t Tell You When to Switch — I Will |
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Most homeowners are quietly overpaying for their mortgage — not because rates are high, but because no one is watching for them.
That’s where my Mortgage Monitoring service comes in. It automatically tracks your current rate against the market and alerts you the moment you could save money — often months or even years before renewal.
What you’ll get:
- A free personalized rate watch report
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Why it’s free:
Because I’d rather earn your trust before you need me — not after the bank has locked you in again.
Spots in my monitoring system are limited — I personally review each file before activation to make sure the data’s accurate.
[Join Free Mortgage Monitoring] — takes 30 seconds, and could save you thousands.
P.S.
If you’re not sure what rate you’re actually paying, that’s your first signal to join. You’ll know instantly whether your bank is still competitive. |
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Check out our featured video: |
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Not all mortgage brokers are the same. Learn how to spot the good ones and avoid the bad ones.
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Important upcoming dates: |
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Upcoming Bank of Canada Interest Rate Announcements:
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March 18, 2026
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April 29, 2026
Canada Child Benefit (CCB) Payments:
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March 20, 2026
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April 20, 2026
Want to learn more? Lets talk |
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WealthTrack, 3-304 Stone Road West Suite 150, Guelph, ON N1G4W4, Canada |
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