Real Estate Articles

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Ontario’s Worst Crime Cities

Economic conditions, law enforcement practices, and community involvement are just a few of the variables that can affect and fluctuate crime rates. It's also important to consider the type of crime (violent, property, etc.) when evaluating these statistics. However,...

10 Factors Impacting Housing Supply

A complex interplay of various factors affects the supply of housing in Ontario. These factors can affect the availability, type, and affordability of housing in the province. Here are ten key factors impacting the supply of housing in Ontario: 1. Land Availability...

Non-Conforming Apartment Income

As a mortgage agent who underwrites mortgages, I’ve come across countless applications where homeowners and investors alike want to leverage rental income from basement suites or converted spaces to boost their borrowing power. It's a smart move in theory, but the...

Ontario’s 10 Most Affordable Cities

Affordability remains a cornerstone of housing decisions, often outweighing even employment factors when individuals and families consider relocating. In Ontario, a diverse province with a wide range of urban and rural settings, certain cities stand out for their...

10 Shortest Ontario Commute Cities

A short commute to work really improves the quality of your life. Workers don't push for remote work if they can live in a community where the commute is short and pleasant. However, if your employer is in a major city, or worse yet, Toronto, and the demand is for you...

How to Lock in a Good Rate

Locking in a good mortgage rate is a key step in the home-buying process, especially in a fluctuating interest rate environment. Here are steps and strategies to help you secure a favourable rate: Understand Rate Locks Monitor Interest Rates Improve Your Credit Score...

The Most Wanted Community Amenities

In the realm of real estate, the value of a property is significantly influenced by its proximity to key amenities and services. Buyers prioritize certain features based on lifestyle needs, family dynamics, and personal preferences, making the surrounding facilities...

Who Needs a Private Mortgage?

Private mortgages in Canada serve as an alternative financing solution for borrowers who do not meet the strict lending criteria of traditional banks and credit unions. These loans are typically short-term, high-interest financing options that provide quick access to...

FNF & FCT: Lender’s Title Insurance

In the intricate world of mortgage financing, ensuring the security and legitimacy of property transactions is paramount. Fidelity National Financial (FNF) and First Canadian Title (FCT) play critical roles in protecting lenders, homebuyers, and financial institutions...

Ontario’s Top Lifestyle Cities

Desirability and lifestyle play pivotal roles in determining real estate prices, as they directly influence a buyer's perception of value. In real estate, desirability often stems from a combination of location, community amenities, and the intrinsic charm of the...

Closing Costs: Commercial vs. Residential

Jul 15, 2026

Closing Costs: Commercial vs. Residential. Residential closing costs are usually more predictable. Commercial closing costs, on the other hand, can feel like opening a junk drawer: legal fees, lender fees, environmental reports, appraisals, accounting advice, GST/HST questions, lease reviews, zoning issues, and sometimes a few “where did that come from?” moments.

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