Expert Tax Accountants in North Battleford

Sign in to CRA My Account, or use the CRA's mobile app, where the return shows as received, in process or assessed, and the refund amount and payment date appear once it has been assessed. The CRA also runs an automated telephone service giving the same information. A representative you have authorised through Represent a Client can check it for you. If the status has not moved past the published processing time, the return is probably under review.

Paper returns go to the CRA tax centre that serves your province or territory of residence, not to one national address. The correct address is printed in the paper return package and listed on canada.ca under mailing addresses for individual returns, and it differs for non-residents and for business returns. Filing electronically is much faster: for the 2025 tax year the CRA aims to issue a refund on an online return in about two weeks, against a considerably longer standard on paper.

As the rules stand for the 2025 tax year filed in 2026, the late-filing penalty is 5% of the balance owing plus 1% of that balance for each full month the return is late, to a maximum of 12 months, so 17% at worst. It rises to 10% plus 2% per month for up to 20 months, a 50% maximum, but only where the CRA formally demanded the return and had already charged a late-filing penalty for any of the three preceding tax years. Interest compounds daily.

Multiply the pre-tax price by the rate for the province of supply. On a $100 purchase in 2026 that is $13.00 in Ontario (13%), $14.00 in Nova Scotia (14%), and $15.00 in New Brunswick, Newfoundland and Labrador or Prince Edward Island (15%). In the non-participating provinces and the three territories only the 5% GST applies, so $5.00, plus any provincial sales tax billed separately.

Multiply the assessed value of the property by the tax rate for its property class. Assessment is set by a provincial assessment authority on its own cycle and increases are often phased in, so the value lags the market. The rate is set each year by the municipality out of its budget, with an education portion added by the province. Both figures appear on your notice, which is why identical homes in different municipalities carry different bills.

Most municipalities do not take credit cards for property tax directly. They accept pre-authorised debit, online or telephone banking, cheque, and in-person payment. Third-party payment processors will charge a property tax bill to a card for a service fee, which normally costs more than the rewards earned. The CRA works the same way for income tax and GST/HST: no direct card payment, but authorised third-party providers accept cards for a fee.

A smaller refund usually means less tax was over-withheld during the year, rather than that something went wrong. Common causes are a second job or a new employer withholding as though it were your only income, self-employment or investment income with no withholding at all, a benefit or credit reduced as income rose, fewer deductions claimed than last year, or a refund applied against another balance you owe. Compare the two notices of assessment line by line.

Unpaid property tax collects penalty and interest at the rate the municipality sets, added monthly to the balance. The municipality can register a lien against the title, which has to be cleared before you sell or refinance, and can eventually sell the property at a tax sale to recover the arrears. That process takes years and follows the province's municipal legislation. Most municipalities will agree to a payment arrangement first, so contact them early.

Insurance is treated as an exempt financial service, so the 5% GST (2025 and 2026) and HST are not charged on premiums. Some provinces apply their own retail sales tax to certain premiums, notably group benefits, and provinces also levy a premium tax on insurers that is built into pricing. Separately, employer-paid premiums can be a taxable benefit on your T4: group life generally is, while private health and dental coverage generally is not outside Quebec.

Not alone. A municipal council sets the property tax rate when it votes the annual budget and levy, and the mayor holds one vote, though a few provinces give mayors added budget powers that council can still override. Your bill is the assessed value of the property multiplied by that rate, plus an education portion the province sets. Assessments come from a provincial assessment body, not from the mayor.

It is the GST/HST credit, a quarterly tax-free payment for people with modest incomes, which appears on statements under a label such as Canada GST/HST credit. You do not apply for it: the CRA works out entitlement from your filed return, so the return must be filed even with no income. The amount reflects family net income, marital status and the number of children. Payments stop when a return is missing.

Corporate income tax is tax a corporation pays on its own profit, separate from the tax its owners pay on the wages or dividends they take out. For 2026 the federal rate is 9% on the first $500,000 of active business income for a small Canadian-controlled private corporation and 15% on income above that, with each province adding its own rate; Ontario's combined general rate is 26.5%. It is reported on a T2 return.