What You Are Actually Paying For in a New GTA Condo
About a quarter of a new GTA home’s cost is government charges. Where it goes, why HST lands on top, and the 2026 rebate worth up to $130,000.
Your Credit Card Slips Two Years Before Your Mortgage Does
Bank of Canada researchers traced 9 million mortgage holders and found credit use rises about two years before a first missed mortgage payment. What the warning signs are.
The Receipts: The Bank of Canada Said Rates Would Stay Low. Then Came 5%
In 2020 the Bank of Canada said rates would stay low for a long time, likely into 2023. They went from 0.25% to 5%. What that means for planning a mortgage.
The Cowichan Ruling: What It Actually Means for Ontario Property Rights
A BC court recognised Aboriginal title over land including private property. It is under appeal, a New Brunswick case reached the opposite conclusion, and it does not change title to an Ontario home.
The Receipts: Toronto Was Called a Collapse. It Was a Correction
Scoring a June 2025 episode that compared Toronto to 2008 Phoenix. The 10-15% call landed. The collapse framing did not.
Investors Are Leaving Canadian Real Estate. Rents Are Falling Anyway
Small landlords are exiting and GTA rents still fell. Vacancy hit a five-year high in early 2026 as the condo completion wave flooded the rental market. What it means for renters and owners.
The Receipts: Scoring the Bank of Canada’s 50 Basis Point Cut
Scoring the December 2024 rate-cut episode against what happened. The consensus 3% floor was wrong by 75bps. The one-point cut call was exactly right.
How Banks Use Blended Mortgage Rates: What to Ask Before You Sign
A blended rate looks cheaper today and leaves you with two maturity dates, making a move to another lender expensive later. A GTA broker explains the mechanics.
The Receipts: We Said Toronto Condos Were $900/sqft. Here’s What Happened
Scoring two calls from a May 2025 episode against what actually happened: the Bank of Canada rate call and downtown condo price per square foot. Including the one we got wrong.
30% of New Condos Are Failing to Close: What Pre-Construction Buyers Face in 2026
A Toronto real estate lawyer explains what really happens when you can’t close on a pre-construction condo: the deposit math, the builder’s right to sue, and why 2026 is the peak.