Why Selling First Might Be Your Best Move

Posted On Mar 13, 2025

The Greater Toronto Area (GTA) real estate market has always been a bit of a rollercoaster, but lately, the twists and turns have become even more unpredictable. Between fluctuating interest rates, affordability concerns, and now economic...

Rethinking Mortgage Affordability in Today's Market: A Fresh Perspective for GTA Homebuyers

Posted On Feb 20, 2025

For years, Canada’s mortgage approval guidelines have been based on two key metrics: the Gross Debt Service (GDS) and Total Debt Service (TDS) ratios, which were set at 39% and 44% respectively back in 2012. These numbers were designed to protect...

What Happens After Your Offer is Accepted? Here’s How to Keep Your Mortgage & Home Purchase on Track

Posted On Feb 20, 2025

Congratulations! Your offer has been accepted, and you’re one step closer to owning your new home. But before you start celebrating (or furniture shopping!), there are a few critical steps you need to take to make sure everything goes smoothly.One...

Understanding Mortgage Rates in Canada: What Drives Them and Where They Look to be Headed

Posted On Feb 20, 2025

If you’ve been keeping an eye on mortgage rates in Canada, you’ve probably noticed some movement—both in variable and fixed rates. But what exactly drives these rates, and where do they look like they are they headed (and why?) in 2025 and...

Why Mortgage Pre-Approval Should Be Your First Move in Today’s Market

Posted On Feb 20, 2025

The housing market is always shifting, and with today’s mix of economic ups and downs, getting a mortgage pre-approval before you start house hunting is more important than ever. Whether you're a first-time buyer or a seasoned homeowner looking...

Toronto Property Taxes: Striking a Balance Between Necessity and Fairness

Posted On Feb 05, 2025

Toronto’s 2025 budget introduces a 6.9% increase in property taxes for residential properties, including a 5.4% base increase and a 1.5% levy for the City Building Fund, which supports infrastructure projects. For the average home valued at $692...