{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"New Build HST Rebate, Short-Term Rental Tax Traps & Variable Rate Warnings (Canada 2026) | The Green Effect Podcast S6E14","description":"Chasing the HST rebate on a new-build home? Before you switch from resale to new construction, this episode walks Canadian homebuyers through the real risks. Mortgage broker Stephen Green covers the new-build HST rebate confusion nobody can answer yet, a short-term-rental HST trap that can cost second-home buyers thousands, and a mortgage renewal warning every homeowner should hear before their maturity date. Then it's a full Canadian mortgage market update: why variable rates are popular again (and why they are NOT set-and-forget), where fixed rates and bond yields are heading, the balanced market in Kitchener-Waterloo and London, falling rents for investors, and OSFI's surprise cut to the domestic stability buffer. In this episode: - First-time buyers pivoting from resale to new builds \u2014 and the speculation risk - The HST rebate on new construction: rebate vs. refund, and why nobody knows the rules yet - Buying a short-term rental as a second home \u2014 and the CRA HST trap - A renewal lender that won't offer an open term (and why you should always ask) - What to double-check when closing the week of June 29 - Variable vs. fixed rates in 2026 \u2014 and why you must monitor a variable - Kitchener-Waterloo & London: a balanced market with 3.5\u20134 months of inventory - Why rents are falling and what it means for investors - OSFI drops the domestic stability buffer to 3% \u2014 what it signals Chapters: 0:00  Intro (take two) 1:30  First-time buyers & the new-build pivot 4:30  The HST rebate nobody fully understands yet 7:00  Short-term rentals & the CRA HST trap 10:30 Renewal warning: the "open term" lender problem 14:30 Closing the week of June 29 16:30 Variable rates: monitor, don't set-and-forget 20:00 Fixed rates & bond yields 22:00 Kitchener-Waterloo & London market update 23:30 Rents are down: investor reality check 26:00 OSFI & the domestic stability buffer 28:30 Wrap-up + Happy Canada Day \u2014\u2014\u2014 Book a free mortgage review with Stephen: https:\/\/refertogreen.ca\/h2z Website: https:\/\/www.thefinancialcollective.ca\/ Call\/text: 519-500-1789 Instagram\/TikTok @sgmortgageadvice \u00b7 Facebook "Stephen Green Mortgages" \u00b7 LinkedIn "Stephen Green" New episodes every other Tuesday. Stephen Green, Mortgage Broker \u2014 The Financial Collective. FSRA #13496. Serving Kitchener, Waterloo, London, Cambridge & all of Southwestern Ontario. ","author_name":"The Green Effect Podcast","author_url":"http:\/\/thegreeneffect.libsyn.com\/website","html":"