by Allen Ehlert | November 3, 2025 | Commercial, Economy, Mortgages, Real Estate
… Builders Think This Is the Key to Canada’s Housing Market There’s a new conversation heating up in real estate circles: What if we just opened the doors wide and invited foreign investors to buy up Canadian homes? For some in the home building industry, this is...
by Allen Ehlert | November 3, 2025 | Commercial, Mortgage Terms, Mortgages, Real Estate
… Red Flags and Roadblocks: Lease Conditions That Can Sink Your Commercial Financing When it comes to commercial real estate, you can have a great property, solid tenants, and even a healthy rent roll — but if your leases have hidden landmines, your financing could...
by Allen Ehlert | October 31, 2025 | Mortgages, Personal Finance, Real Estate
What if your home is worth less today Imagine this scenario: you eagerly purchased a pre-construction home in the vibrant and bustling city of Toronto during the peak of the real estate market. Excitement filled the air as you imagined settling into your dream home in...
by Allen Ehlert | October 30, 2025 | Commercial, Mortgage Terms, Mortgages, Real Estate
… Where the Lease Meets the Loan When it comes to commercial real estate, most people think of two separate worlds — the lease and the loan. One defines how a business occupies a property; the other defines how the property is financed. But here’s the truth that many...
by Allen Ehlert | October 26, 2025 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
…“Why Borrowing to Buy with Your RRSP Is Like Digging Two Holes and Calling It a Ladder” You’ve probably seen the video clips on social media: someone cheerfully explaining how you can “stop using your own money” to buy a home. The idea sounds clever — borrow up...
by Allen Ehlert | October 25, 2025 | Commercial, Real Estate
…. Cracking the Code: Understanding the Different Types of Commercial Leases in Canada (and How They Can Make or Break a Deal) When you’re diving into the world of commercial real estate — whether you’re a business owner looking for the perfect storefront or a realtor...
by Allen Ehlert | October 24, 2025 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… Why Does Your Lender Care So Much? If you’ve ever tried to use rental income — from a basement apartment, duplex, or investment property — to help you qualify for a mortgage, you’ve probably heard the term “Fair Market Rent.” It sounds official because it is. But...
by Allen Ehlert | October 24, 2025 | Economy, Mortgages, Personal Finance, Real Estate
… The Disappearing Dollar: Why Your Paycheque Buys Less of What Really Matters Let’s talk about something that’s been quietly eating away at Canadians’ financial future — purchasing power. Sure, your income might rise over time, and the news might say inflation’s...
by Allen Ehlert | October 20, 2025 | Mortgages, Real Estate
In Canada, a CLP refers to a “Certificate of Pending Litigation.” A Certificate of Pending Litigation (CLP) is a legal document that is registered against the title of a property to indicate that there is a pending lawsuit involving the property. It serves...
by Allen Ehlert | October 19, 2025 | Commercial, Real Estate
… Documents, Income, Down Payment & What Lenders Are Actually Looking For So, you’re thinking about buying a commercial property — maybe it’s an apartment building, maybe it’s a warehouse, maybe it’s that strip plaza you’ve been driving past for years...
by Allen Ehlert | October 17, 2025 | Mortgages, Real Estate
Are you considering investing in rental property in Ontario? It’s no secret that the demand for tenanted properties is on the rise, and for good reason. Let me share a story that highlights the benefits and potential of investing in tenant-occupied real estate....
by Allen Ehlert | October 16, 2025 | Mortgages, Personal Finance, Real Estate
… Babies, Bottles, and Bank Commitments If you’re thinking about buying a home, refinancing, or renewing your mortgage and there’s a baby on the horizon, you might be wondering how maternity or paternity leave fits into the picture. The truth? Lenders love stability —...
by Allen Ehlert | October 14, 2025 | Mortgages, Personal Finance, Real Estate
Canadians often believe that mortgage interest is not tax deductible like in the US. The real question is How to you write off mortgage interest in Canada? There is a tax strategy called the Smith Maneuver that allows you to convert mortgage interest into a deductible...
by Allen Ehlert | October 12, 2025 | Mortgages, Real Estate
In 2025, across Canada, the average cost of a home appraisal for a typical residential property ranges from approximately $300 to $500, with many examples clustering between $350 and $550. The process of determining the fair market value of a property plays a crucial...
by Allen Ehlert | October 10, 2025 | Economy, Mortgages, Personal Finance, Real Estate
How Canada’s Prime Rate Impacts You In an economy where a mere quarter-point adjustment can send ripples across markets, it’s worth noting that Canada’s prime rate influences over CA$1.69 trillion worth of residential mortgages. This staggering...
