Zoning limits, typical rent, and 5%-down CMHC Prefab Plus financing for accessory apartments and garden suites in Durham Region — checked against 2026 by-laws and market data.
Run the ROI Calculator → Check Your Zoning →As-of-right status: Varies by city. ~80 m² typical, varies by city — Oshawa, Ajax and Whitby each have their own by-law.
Source: Oshawa, Whitby, Ajax municipal zoning info, 2026
As of 2026, CMHC insures mortgages for prefab/modular ADU construction with as little as 5% down and staged funding across 4 milestones — the same terms as buying a regular home.
Our $497 Feasibility Report confirms your exact zoning, realistic cost, and permit pathway for your Ajax, Oshawa & Whitby (Durham Region) property within 48 hours.
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