This is a common phenomenon when tax rates are converted between a percentage of net and a percentage of gross. The 13% (13/100) tax rate is based on the net (pre-tax) price. To calculate the tax from the gross (post-tax) price, the pertinent rate is 13/113. Example: Net $100, tax $13, gross $113.
Isn't employer supposed to pay for all TAXABLE benefits so that you aren't taxed? Wouldn't you prefer paying all NON-TAXABLE benefits because you don't pay tax?
No, because you are misunderstanding exactly what taxable benefits means: possibly because in the above sentence you're only emphasising the taxable bit and perhaps overlooking the benefits bit).
The CRA gives this example How do I calculate my charitable tax credits? - Canada.ca
Danielle lives in the province of Saskatchewan and donated $400 in 2013 to registered charities:
The federal charitable tax credit rate is 15% on the first $200 and 29% on the remaining $200. Her federal tax credit is therefore (15% × $200) + (29% × 200) = $88.
I'm guessing you were pre-approved at a Big 6 bank. They are expecting you to find a house that you want to live in that requires no tear-down.
I would recommend contacting a mortgage broker and asking them. A mortgage broker knows far more lenders than the Big 6, and can find a lender who is interested in working with you.
One way to structure the deal ...