观察 · Observation
Market data, industry analysis, and realtor observations.
Canada Credit Score Guide: How to Maintain and Improve (Equifax + TransUnion)
Canada Credit Score Guide: How to Maintain and Improve (Equifax + TransUnion) | Arthur Zhao AZ AZ Real Estate Partners Mortgage & Finance · Credit…
Commission, HST, and T4A: How Real Estate Agents Report Commission Income to CRA
How do real estate agents report commission to CRA? Per CRA (2026), real estate agents are self-employed (employee status is rare). Commission income requires: (1) HST registration (annual revenue >
Canada Home-Buying Policy Update 2026: What Actually Affects You
2025-2026 is policy-heavy. Five core policies directly affect GTA buyers: (1) 30-year amortization for first-time homebuyers (April), (2) foreign buyer ban extended to 2027, (3) FHSA now 3 years old,
9 Things Every Ontario Buyer Must Know in 2026: Rates, Stress Test & Policy
Buying a home in Ontario in 2026? Arthur Zhao breaks down 9 must-know facts: stress test rules, Bank of Canada rate cuts, FHSA, HBP changes, land transfer tax, and closing costs every buyer should budget for.
Explained the Contract Thoroughly — and They Still Won’t Sign. What’s Going On?
When clients understand every clause but still won't sign, the problem isn't the contract — it's trust. Arthur Zhao breaks down why Ontario buyers hesitate and what realtors should do instead.
10 Things to Watch When Buying in an Ontario Rate-Cut Cycle
Bank of Canada rate cuts change the GTA buying landscape — but not always the way buyers expect. Arthur Zhao breaks down 10 critical factors to watch during a rate-cut cycle in Ontario.
9 Things Every GTA Buyer Must Watch in 2026: Rates, Tariffs, New Builds & More
9 Things Every GTA Buyer Must Watch in 2026: Rates, Tariffs, New Builds & More | Arthur Zhao Buying · Article 252 9 Things Every GTA Buyer Must Watch…
Canada Mortgage Rates Comparison 2026: How to Find the Best Rate Across Major Banks
Mortgage & Finance Canada Mortgage Rates 2026: Big Banks vs. Brokers — What GTA Buyers Need to Know Arthur Zhao · Real Estate Broker · FRI · ABR · SRS…
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