Ontario’s 2026 Budget Slashes Small Business Taxes And Supercharges Housing Incentives – But Most Entrepreneurs Will Miss The Real Estate Financing Opportunity

Ontario’s 2026 Budget cuts the small business corporate tax rate from 3.2% to 2.2%, delivering more than 30% tax relief to over 350,000 businesses starting July 1. At the same time, the province is removing the full 8% provincial HST on qualifying new homes up to $1 million, with combined federal‑provincial relief that can reach as high as about $130,000 per project. I am already seeing owners and developers unsure how to convert those tax savings and rebates into better property financing, while lenders stay conservative on owner‑occupied and investment real estate despite all the government headlines. In my commercial mortgage practice here in Ontario, I help clients redirect those new tax savings and incentives into stronger balance sheets and smarter financing structures that improve approvals, terms, and long‑run net cash flow, instead of letting the opportunity evaporate in higher operating costs.

Source: https://occ.ca/mediareleases/budget-2026-delivers-on-ontario-chambers-call-for-small-business-tax-relief/

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