What Counts as Carrying Charges and What Does Not

Interest deductibility remains one of the most misunderstood tools in Canadian personal finance. In 2026, that confusion is costing homeowners and investors real money.

Carrying charges can still be powerful. But the rules have tightened, the audit lens has sharpened, and sloppy execution is what gets people in trouble, not the strategy itself. The goal is no longer “maximize deductions.” The goal is defensible, repeatable, CRA-clean deductions that stand up over time.

Here’s how to properly think about carrying charges in today’s environment.

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