Many of the units that Toronto pre-construction buyers bought are now worth less than the purchase price. Appraisals are coming in low, lenders are tightening up, and the gap between contract value and today's market value is often times bigger than the deposit that they put down.

So what to you do if you find yourself in this position? Risk getting sued by failing to close, borrow with private lenders at predatory rates, or close and slowly (or quickly) bleed out? Claim bankruptcy? Crawl under a rock?

Let's talk about some of the real options in front of you. Not theory. Not wishful thinking. Actual steps people in Toronto are using to get through closing without destroying their credit, losing their deposit, or facing years of litigation.

Watch this podcast on YouTube: https://youtu.be/1TvTQ5oxrN4

Remember, this is not legal advice, consult your lawyer if you need one. But to schedule a 15-minute appointment to chat with me, click here: https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

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Web: http://www.broadviewavenue.ca

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Listings are sitting longer, open houses feel quiet, and the headlines make it sound like the market still has room to fall. That uncertainty is exactly why my clients asked me this question, and why the answer isn’t as simple as “yes” or “no.” So let's go through a real conversation I had with some recent clients.

If you’re trying to make sense of whether waiting helps or hurts you in this kind of market, this will give you a clearer way to think about timing, leverage, and what really matters.

Watch this podcast on YouTube:
https://youtu.be/UsEXTpoluNo

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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After ten rate hikes and two years of high borrowing costs, the Bank of Canada has finally started cutting. For the first time in years, interest rates are “in a good place.” But if money’s cheaper, why isn’t the housing market roaring back to life?

What do the latest rate cuts actually mean for buyers and sellers? How long will it take for monetary policy to show up in home prices? And what are the four wildcards that could change everything?

From shifting immigration targets to global uncertainty and a sticky inflation rate, the story isn’t as simple as “rates down, prices up.” This is a look at the real forces shaping the next phase of Canada’s housing market, and to look for indicators for when things will finally start to move.

Watch this podcast on YouTube:
https://youtu.be/we04t8R1zEY

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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"What's a good school zone" is a question I am often asked. But the truth is, buying a home based on school rankings is more of an art than a science. Most rankings, like those from the Fraser Institute, are based on EQAO test scores, which is a narrow and often outdated measure that doesn’t reflect the full picture of a school’s quality. What actually drives school reputation often has more to do with the surrounding neighbourhood’s affluence than the education itself.

In this video, I break down what you really need to know: how catchment boundaries work, what programs and opportunities are available beyond rankings, and why schools can’t be fairly compared with a single number. If you’re buying a home for your family and want to make a smart, informed decision, this is a conversation worth listening to.

Watch this podcast on YouTube:
https://youtu.be/we04t8R1zEY

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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When a tenant moves out, every landlord faces the same question: should you renovate, or keep it simple?

Let's talk about the Golden Rule of Multi-Family Investing, how to decide if a renovation actually makes sense after tenant turnover. We’ll cover:

- Turnover is your chance to reset rent, but how much should you budget?

- The rule of thumb for renovation ROI

- Smart upgrades that attract better tenants and boost building value

This isn’t about flipping a kitchen for HGTV, it’s about making strategic choices that protect your cash flow and grow your property’s worth.

If you’re a multi-family investor in Toronto (attention all you CMHC MLI Select borrowers) with multiple units in the same building, this is my framework for making that "go" or "no go" renovation decision.

Watch this podcast on YouTube:
https://youtu.be/c0VrRCgLI5E

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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Mortgage delinquencies in Canada are making headlines, with reports saying they’re “up 30%.” But what does that really mean?

Defaults have risen, but that’s still below Canada’s historical “normal” range. Even during the 1980s peak, it wasn't that bad. By comparison, the U.S. sits much higher.

The truth? The rise looks dramatic in percentages, but the actual risk level is still very low. Context matters more than the headline.

Stay informed, not alarmed.

Watch this podcast on YouTube:
https://youtu.be/IgB2HrLgxlI

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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Imagine you’re playing Monopoly, and one player already owns most of the houses. Every time someone else lands, they have to pay more and more rent. Even if you save your money and play smart, it’s really hard to catch up when someone else already owns everything.

That’s what’s happening in real life too: homes and apartments are being bought up by people who already have lots of money. Regular people are working hard, but the game feels stacked against them.

Is this just a Toronto thing? Or have other major cities been able to crack the code?

Watch this podcast on YouTube:
https://youtu.be/vWB52EEHi-Y

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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Condos may have dropped more percentage-wise, but detached and semi-detached homes have fallen much more in real dollars. That means if you’re upsizing, the price gap has narrowed, and this less-than-stellar market might actually work in your favour.

So, let's talk about why now could be the smartest time to trade up, and how to use market conditions to your advantage. If you’ve outgrown your space, this market shift could be working in your favour.

Watch this podcast on YouTube:
https://youtu.be/vydnINB1zq4

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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Feel like you’ll be renting forever? That’s honestly okay. Owning real estate isn’t the only path to stability. But if you’re not buying, you’ll need a solid plan — because the system is still built around homeowners. The truth is, renting can offer flexibility — but it doesn’t build equity by default. And if you’re not intentional, you might wake up 10 or 20 years from now priced out of more than just housing.

You don’t need to buy a home to build wealth. But you do need to be proactive, strategic, and prepared.

Watch this podcast on YouTube:
https://youtu.be/ZUzEdpjkGxE

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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A new national survey from Royal LePage shows that 31% of Canadian renters have no plans to ever buy a home—a statistic that challenges long-held assumptions about homeownership in this country.

We’ll look at what’s driving this shift: affordability barriers, changing lifestyles, and why many renters feel completely priced out. More importantly, we’ll explore what this means for Toronto’s housing market — from long-term rental demand to how investors and first-time buyers should be thinking about the next cycle.

If you’re navigating affordability challenges or trying to understand where demand is headed, this one’s worth watching.

Sources: Royal LePage 2025 Canadian Renters Report, Financial Post (June 2025)

Watch this podcast on YouTube:
https://youtu.be/ZUzEdpjkGxE

Schedule a 15-minute appointment to chat with me here:
https://www.broadviewavenue.ca/appointments

Download our guides here:

How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthb

The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download

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Subscribe now to keep updated for more information.

If you want to chat with us, do the following:

1. Send an email at [email protected]; or

2. Send a direct message on my Instagram account below; or

3. Book an appointment for a 15-minute video chat using the link on our website.

If you’re not ready to reach out and just want to follow for more, find us online:

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Web: http://www.broadviewavenue.ca

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