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2025 Legislative Roundup

2025 Landlord Survival Guide: Everything That Changed

You don't need to read 500 pages of bills. We did it for you. Here is the bottom line on Cooling, Renovictions, and the new LTB rules.

10 min readLast updated: September 24, 2026
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Update: both Bill 60/97 RTA waves are now in force (July 1 and September 21, 2026)

Per the LTB operational update, 15-day order reviews, 7-day AGI order service plus a 5-day certificate, the mandatory Payment Agreement Form, tenant air-conditioning rights, and doubled fines ($100,000 / $500,000) took effect July 1, 2026. The 7-day N4 and the conditional N12 compensation waiver, the N12 occupancy deadline, the N13 right-of-first-refusal duties, the half-arrears hearing condition and the official persistent-late-rent definition followed on September 21, 2026. A third proposal, ending fixed-term auto-conversion, was withdrawn from the bill and is not law. Track what's in force →

The "Coles Notes" Version

2025 was a busy year for Queen's Park. If you own rental property in Ontario, the rules of the game just shifted, mostly towards stricter compliance and bigger penalties for bad actors.

Here is the executive summary of what you need to know to stay out of trouble (and keep your business profitable).

Timeline at a Glance

May 15, 2025Cooling limits (Bill 64 enforcement starts)
Oct 24, 2025Bank passcode on online LTB payments
Jan 1, 20262.1% Rent Increase Guideline takes effect

1. The "Sweaty Hallway" Law (Bill 64)

The Gist: You have to keep common areas cool in the summer.

If you own a building with common areas (lobbies, hallways), you can no longer let them bake. The maximum allowed temperature is 26°C between May 15 and September 15.

  • Does this apply to units? No. Just common areas.
  • The Cost: If your lobby is a greenhouse, you might need a heat pump or portable AC.
Read the Bill 64 Deep Dive →

2. The End of "Fake" Renovictions (Bills 51 & 97)

The Gist: N13 evictions just got much, much harder.

Previously, you could serve an N13 based on a plan. Now, you need the building permits in hand before you can even print the notice.

  • Proof Required: A report from a qualified person (engineer/architect) stating the unit must be vacant.
  • The Penalty: If you re-rent to someone else at a higher rate without offering it back to the original tenant, the fines have doubled.
See the new N13 Checklist →

3. Now Defined: Evicting "Chronic Late" Payers (Bill 60)

The Gist: The N8 "persistently late" ground already existed under the current RTA, and since September 21, 2026 it has a fixed, official definition.

As of September 21, 2026, the LTB defines persistently late as: rent received more than 7 days after the due date, at least 3 times within any 6-month period (unless the landlord applied that late payment to another amount owed, such as arrears). The LTB's own update adds that "a tenant may also be found to have persistently failed to pay their rent on the date it became due in other circumstances," so a pattern that doesn't meet the fixed count can still support an N8 case-by-case.

This helps: you don't need the tenant to owe you $0.00 to evict them. You're evicting them for breaking the payment schedule, not for debt.

How to use the N8 Notice →

4. Portal Changes (And One Win)

Payments: since October 24, 2025, paying an LTB fee online can trigger a one-time passcode from your bank. It is your bank's check, not a new portal login. Sharing a login was never the answer anyway: the LTB says never to share your password, and a paralegal or agent is added to a file with a Request to add a Representative or Agent.

The win: since November 1, 2025 you can email an L5 (Above Guideline Increase) application to AGIpayments@ontario.ca. Before that it could only be mailed, couriered or filed at ServiceOntario.

What changed, and which forms go where →

5. The 2026 Rent Guideline

The Number: 2.1%

Changes taking effect anytime in 2026 are capped at 2.1%.

Remember the 90 Day Rule

To raise rent on Jan 1, 2026, you must serve the N1 by September 30, 2025 roughly (depending on postage). Do not miss the window.

Cheat Sheet: Which Notice do I need?

ProblemNotice FormWhat changed since
They owe rentN47 days, not 14, on the new N4 (2026/09) form
They pay late constantlyN8Now defined: 3+ times, 7+ days late, in 6 months
You need to renovateN13Permits Required
You are moving inN12Compensation waived at 120+ days notice; occupancy within 60 days of the termination date; strict bad-faith penalties

Frequently Asked Questions

The introduction of Bill 64 cooling requirements (26°C max in common areas) and strict anti-renoviction measures in Bill 97 are the biggest operational shifts. You now need permits before serving N13s, and you must manage summer temperatures in hallways.
The Rent Increase Guideline for 2026 is 2.1%. This applies to increases effective between Jan 1 and Dec 31, 2026. Remember, you must serve the N1 notice 90 days in advance.
Yes, since September 21, 2026. The N8 "persistently late" ground already existed under the current RTA (s.58), and the LTB now has an official fixed definition: rent received more than 7 days after the due date, at least 3 times within any 6-month period (not 12 months), unless the landlord applied the late payment to another amount owed such as arrears. It makes it easier to evict chronic late payers without needing them to be in arrears at hearing time.
No. Bill 64 applies to COMMON AREAS (hallways, lobbies) of residential complexes, not individual rental units. You do not need to retrofit apartments with AC unless it was already in the lease.
You can no longer serve an N13 notice just because you "plan" to renovate. You must now obtain all necessary building permits FIRST, and include a report from a qualified person stating the unit must be vacant for the work.
Two changes in late 2025. From October 24, paying an LTB fee online can trigger a one-time passcode from your bank. From November 1, you can email an L5 (AGI) application to AGIpayments@ontario.ca instead of mailing it. The L5 is still not a portal form.

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