There’s a lot of mortgage advice out there—some of it helpful, but a lot of it outdated, oversimplified, or just plain wrong. With the market constantly shifting and lending rules evolving, it’s easy for old myths to stick around long after they should’ve disappeared.  So, let’s break down "five of the most common mortgage myths" and what’s actually true today. Myth #1: You need 20% down to buy a home This one refuses to die.   In... [read more]

First and foremost, Happy New Year!  We wish you and your family a healthy and happy 2026! Now let's dive into the numbers for the last month of 2025.  For buyers who have been watching from the sidelines, the Toronto Regional Real Estate Board's (TRREB) December Market Watch report continues to confirm that buyers are in control.  Rising inventory, easing prices, and slower sales aren’t early signals — they’re active forces reshaping... [read more]

The Bank of Canada’s decision to lower its benchmark rate to 2.25% has sparked renewed optimism nationwide—particularly among homebuyers and property investors in the Greater Toronto Area (GTA). With borrowing costs now more manageable, this shift could open doors for those looking to enter or re-enter the housing market. Following months of economic uncertainty driven by U.S. trade developments, the rate cut offers a welcome dose of stability. It signals Canada’s commitment... [read more]