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What you can do with your property

Region: Ontario Answer # 405

Although you may own a particular piece of property, you may not be free to use and develop it as you wish. Zoning by-laws are the ways the government regulates the development and use of land, and the general layout of all townships and municipalities. For example, zoning governs where buildings can be constructed, where residential subdivisions can be developed, and where schools, parks, and factories can be built.

Zoning by-laws also govern the use of each individual plot of land. As a result, you may be required to seek municipal approval before making certain changes to your property. For example, to build a deck, construct an addition, or move your driveway, you will usually have to obtain a permit from your local municipal authority. You will also be limited to certain uses of the property. For example, you will not be able to open a retail business from a residential home.

The law also regulates the subdivision of land. This means that you cannot sell part of your property without obtaining a municipal approval. To subdivide your property, you would need to make an application for severance to your local municipal authority.

A lawyer can provide you with additional information about zoning and other by-laws and assist you to obtain severances or to change the permitted uses.

If you are buying a home and want to know how much of a mortgage you qualify for, use the Scotiabank mortgage calculator .

Get help from a life insurance advisor

Understanding life insurance and what is best for you can be overwhelming. It is important to get professional advice for your unique situation, and it is more affordable than you think. Life insurance can protect your family, your home and your business.  For a free consultation and quote, contact an Empire Life Insurance advisor.

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