by Allen Ehlert | August 21, 2026 | Mortgages, Real Estate
A rural property is not automatically a farm. For example, a detached home on five acres with a well, septic system and no meaningful farming operation may still qualify as a rural residential property. Conversely, substantial farming income, cultivated acreage,...
by Allen Ehlert | August 18, 2026 | Mortgage Terms, Mortgages, Real Estate
When purchasing a condo, buyers often focus on factors like location, amenities, and square footage. However, one of the most critical aspects that can impact both the value and financial health of a condo is the reserve fund. A condo reserve fund is a crucial...
by Allen Ehlert | August 15, 2026 | Mortgages, Real Estate
When a person in Canada wishes to purchase a condominium, they put in their offer to purchase a condition to enable themselves, their lawyer, their realtor, and their mortgage agent and lender the opportunity to review detailed information about the financial and...
by Allen Ehlert | August 14, 2026 | Mortgages, Personal Finance, Real Estate
In today’s economy, many Canadians face high household debt. The Home Buyers’ Plan (HBP) offers a way out. It lets you use your Registered Retirement Savings Plan (RRSP) for a down payment on your first home. This move can be a big step towards owning a...
by Allen Ehlert | August 13, 2026 | Mortgages, Real Estate
In Canadian real estate transactions, conditions are specific clauses included in a purchase agreement that must be satisfied for the deal to proceed. These conditions are designed to protect the buyer (or sometimes the seller) and ensure that certain requirements or...
by Allen Ehlert | August 12, 2026 | Mortgages, Personal Finance, Real Estate
When purchasing a property, buyers either pay for the entire property with their existing funds or they need to seek out financing by getting a mortgage. Previous to looking for a home, buyers need to have a relationship with a mortgage agent to create a financial...
by Allen Ehlert | July 26, 2026 | Real Estate
Rent prices continue to surge across the country begging the question, “what effect and how much are temporary rentals like AirBnB driving up the cost of rent, and even driving up the cost of housing? Conference Board of Canada’s Findings The Conference Board of...
by Allen Ehlert | July 25, 2026 | Mortgages, Real Estate
Finding a realtor is not just about hiring a professional to help you buy a home; it’s about choosing a partner for one of the most significant financial decisions of your life. I used to be a realtor with Royal LePage, then later Sutton Group. I was a...
by Allen Ehlert | July 19, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
Navigating the world of mortgages can be daunting for both new and seasoned homeowners. A fundamental aspect of any mortgage is the “mortgage term,” which dictates several key financial decisions and outcomes over the course of homeownership. My goal in...
by Allen Ehlert | July 15, 2026 | Commercial, Investing, Real Estate
… The Quiet Costs That Can Make or Break a Deal When you are buying real estate in Canada, the purchase price gets all the attention. It is the big shiny number everyone talks about. But the real story often lives in the closing costs. That is where buyers can get...
by Allen Ehlert | July 14, 2026 | Commercial, Investing, Mortgages, Personal Finance, Real Estate
… The Metric That Separates Amateur Deals from Professional Decisions In real estate, it’s easy to get caught up in surface-level numbers—cash flow, purchase price, appreciation. But if you really want to operate like a professional investor, and guide your clients...
by Allen Ehlert | July 11, 2026 | Mortgages, Real Estate
The potential consequences of escalating mortgage rates on the valuation of residential properties are leading to a projected decline of 5% in home prices. By analyzing the impact of rising interest rates on the housing market, my research seeks to shed light on the...
by Allen Ehlert | July 1, 2026 | Commercial, Economy, Mortgage Terms, Mortgages, Personal Finance, Real Estate
…. A Digital Deadbolt for Your Credit Ontario has just added a powerful new consumer-protection tool to your financial toolbox: the ability to lock or freeze your credit file. Think of it like putting a digital deadbolt on your credit report. It will not stop every...
by Allen Ehlert | June 29, 2026 | Commercial, Mortgages, Real Estate
When you are selling one home and buying another, there are a lot of moving parts. You have the realtor, the mortgage agent, the deposit, the closing date, the moving truck, the insurance, the kids, the pets, the utility companies, and probably a dozen sticky notes on...
by Allen Ehlert | June 28, 2026 | Mortgage Terms, Mortgages, Real Estate
When considering the purchase of a condominium in Canada, it is essential for potential buyers to understand condominium fees. These fees are a significant component of condo ownership, affecting both budgeting and financing. Here, we will explore the nature of these...
