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February 1st, 2021, The Ontario government established the Home Construction Regulatory Authority (HCRA) to enhance the professionalism of the new home building industry in Ontario and to increase consumer protection.   The establishment of a separate regulator for new home builders and vendors will ensure that new home builders and vendors are held to professional standards and […]

Mandatory Registration for Toronto Short-Term Rental Units

Mandatory Registration for Toronto Short-Term Rental Units

Short-term rental operators in Toronto who rent out properties for periods of less than 28 days will have to formally register with the City of Toronto starting September 10, 2020, to keep operating in the city.  The new online registration system is part of a broader effort to better regulate short-term rentals across the city, […]

How to navigate the mortgage process during COVID-19

Over the last few months, we’ve seen our world transform at the hands of a global pandemic. We’re living in very different times where meeting face-to-face isn’t really an option. Despite the new reality, the priority of taking care of our personal finances is one thing that hasn’t changed. When it comes to getting a […]

What Landlords and Tenants need to know about Bill 184

What Landlords and Tenants need to know about Bill 184

On March 12, 2020, Ontario’s Minister of Municipal Affairs and Housing introduced Bill 184, proposing the new Protecting Tenants and Strengthening Community Housing Act.   The new legislation officially passed on July 22, 2020, and received Royal Assent. The changes will apply retroactively to March 17th, 2020. The legislation, which updates the Residential Tenancies Act, 2006 […]



Tips On Starting Your Own Home Vegetable Garden Have you ever considered starting your own garden? With summer finally here, there’s no better time to do so than now! It can be a daunting task at first but it’s not that bad once you get a start on it. If you’re still debating whether or […]

What is Mortgage Payment Deferral?

The Coronavirus crisis has left many homeowners in Canada without a job or with reduced hours and wondering how to pay their mortgage. Homeowners facing financial stress may be eligible for a mortgage payment deferral up to 6 months to help ease the financial burden. The COVID-19 Mortgage Payment Deferral program will be ongoing. You […]

Market Watch – COVID-19 Weighing on The Housing Market

The Canadian real estate market is adjusting to tightened restrictions on doing business as properties continue to swap hands in the midst of the COVID-19 pandemic. Much of March’s activity began in the first two weeks of the month before the State of Emergency order was put into place. In fact, we had a head […]

What you need to know about Home Inspections

So you’ve fallen in love with a new home and have decided to make an offer. But before you do, speak to your real estate agent about getting a home inspection. Having a professional home inspector go through the property and assess its current condition will give you a better sense of whether you want […]

The Bank of Canada Brings Out The Big Guns

Following the surprise emergency 50 basis point (bp) rate cut by the Fed, the Bank of Canada followed suit yesterday and signalled it is poised to do more if necessary. The BoC lowered its target for the overnight rate by 50 bps to 1.25%, suggesting that “the COVID-19 virus is a material negative shock to […]

BREAKING NEWS: Morneau Eases Stress Test on Insured Mortgages

Minister Morneau Announces New Benchmark Rate for Qualifying For Insured Mortgages The new qualifying rate will be the mortgage contract rate or a newly created benchmark very close to it plus 200 basis points, in either case. The News Release from the Department of Finance Canada states, “the Government of Canada has introduced measures to […]

Condominium Occupancy Fees

Condominium Occupancy Fees

Whenever you purchase a new condo, there is a period of time between when you take occupancy of your unit and when you take ownership of your unit. This is known as the ‘occupancy period’ or ‘interim occupancy’. During this period you will be requested by the developer to pay occupancy fees or ‘phantom rent’ […]

Claim Your First Time Home Buyers Tax Credit

Did you buy your first home in 2019? If so, the Federal Government has a program that just might put $750.00 back in your pocket, or half of that, if only one of the two people on title is a first-time home buyer. To confirm whether or not you meet the criteria be sure to […]

Is Your Roof at Risk?

The following will help you identify the potential for roof failure.   CURLING The upward curling of shingle tabs makes them highly susceptible to wind and ice damage. This is a problem on older roofs where moisture build-up in the attic affects the underside of the shingle.   BROKEN SHINGLES   Damage can be caused […]

Pricing Your Home Competitively

Pricing Your Home Competitively Pricing your home correctly is one of the most important aspects of selling your home, and it can also be one of the most difficult. If you price your home too high above its market value, you risk discouraging serious, qualified buyers. If you price your property below market value, then […]