Occupancy Permit

Learn what an occupancy permit is in Canadian real estate, when it’s needed, and how it certifies that a new or renovated home is safe to occupy.

Occupancy Permit

May 22, 2025


What is an Occupancy Permit?

An occupancy permit is a legal document issued by a municipal authority certifying that a newly constructed or renovated building complies with building codes and is safe for habitation.

Why Occupancy Permits Matter in Real Estate

In Canadian real estate, an occupancy permit is required before a buyer can legally move into a new home or condo unit. Builders must pass inspections for plumbing, electrical, fire safety, and structural compliance.

Key points include:
  • Issued after final inspection by city officials
  • Required for new builds and major renovations
  • May be needed before mortgage funding is released

In condo developments, interim occupancy may occur before full registration, allowing the buyer to move in while awaiting title transfer.

Understanding occupancy permits ensures buyers take possession legally and that properties meet municipal safety standards.

Example of Occupancy Permits in Action

The city inspector approves the new home’s final inspection, and the builder receives an occupancy permit, allowing the buyer to move in.

Key Takeaways

  • Confirms a home is safe and code-compliant.
  • Required before occupancy or closing.
  • Involves municipal inspection.
  • Common in new builds and condos.
  • Ensures legal possession rights.

Related Terms

  • Interim Occupancy
  • Building Permit
  • New Construction
  • Final Inspection
  • Municipal Compliance

Additional Terms

Public Realm Improvements

Public realm improvements are enhancements to public spaces such as sidewalks, parks, plazas, and streetscapes, often funded or contributed by. more

Mortgagee in Possession

A mortgagee in possession is a lender who takes control of a property after borrower default, but before foreclosure or power of sale. The lender. more

Lease Surrender Agreement

A lease surrender agreement is a negotiated contract between a landlord and tenant that ends a lease before its scheduled expiration. Terms may. more

Green Infrastructure

Green infrastructure refers to natural or engineered systems that manage stormwater, reduce heat, and improve sustainability in developments.. more

Escrow Holdback

An escrow holdback is a portion of funds withheld at closing and held in escrow until specific conditions are met, such as completion of repairs,. more

Underused Housing Tax

The Underused Housing Tax (UHT) is a federal annual 1% tax on the value of vacant or underused residential property owned by non-resident,. more

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