My Blog


Know your rights as a buyer and seller in real estate

Posted by Nicholas Searle on 10:47 AM

As a buyer or seller, knowing that you have a good realtor, doing your own research, asking lots of questions and understanding your rights are all critical factors in a successful outcome.

Shop around for a good sales representative

Just like when you are shopping for the best deals, shop around for a good realtor. Currently, there are almost 50,000 realtors registered with the Toronto real estate board. That’s a lot to choose from! Each realtor an...


Non-resident Ownership of Residential Properties in Toronto

Posted by Nicholas Searle on 09:15 AM

After the Ontario government imposed a 15 percent tax on foreign buyers of Toronto property in May 2017 and everyone has been eager to see the impact. To study the effect, a collaborative project was begun between Statistics Canada and the Canada Mortgage and Housing Corporation (CMHC).

The results are now analyzed, and it appears that the percentage of homes owned by foreigners in Toronto and Vancouver is much lower than what people assumed. The new data shows that non-residents ow...


New “Stress-test” for Canadian Mortgages – Buyers Be Aware!

Posted by Nicholas Searle on 12:24 PM

The new minimum qualifying rate or “stress test” will take effect January 1st, 2018 and apply to all buyers including those with larger down payments of 20 percent or more**.

What does this “Stress Test” really mean?

The best way to explain the new stress test is using an example*:

Lets say you are a Buyer with good credit making $100K/year with a $50K deposit:

You are currently approved for a 2.89% fix...

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