Preconstruction

Interim Occupancy & Occupancy Fees on Pre-Construction Condos

What are interim occupancy and occupancy fees on an Ontario pre-construction condo? A guide to the three components of the occupancy fee, its statutory basis, how long it can last, and why this money doesn't pay down principal or build equity.

How to Vet a Pre-Construction Builder in Ontario (Tarion & HCRA)

Vet an Ontario pre-construction builder with the free HCRA Ontario Builder Directory and Tarion: licence status, conduct record, warranty, deposits, red flags.

Is a Studio Condo Worth Buying in Toronto? An Honest Buyer’s Framework

Is a studio condo worth buying in Toronto? An honest framework on resale liquidity, rental yield, mortgage size minimums, and who they suit.

Co-op vs. Condo: What’s Really Different, and Why Co-op Financing Is So Hard

In Ontario, a co-op and a condo differ fundamentally: buying a condo gives you legal title to a unit, while buying a co-op means buying shares in a corporation plus a right to occupy — not title. Co-op transfers usually need board approval, and co-ops often carry a building-wide blanket mortgage, so most banks won't finance a single co-op unit, leaving credit unions, private lenders, or cash. Condos fall under the Condominium Act; co-ops do not.

The Tarion New-Home Warranty Explained: What the 1-, 2-, and 7-Year Coverage Covers

What does Ontario's Tarion new-home warranty cover? The 1-, 2-, and 7-year coverage periods, pre-possession deposit protection limits, and the statutory coverage caps for freehold and condo. A must-read before buying new.

Before You Buy Pre-Construction: What the Interim Occupancy Fee Really Is

What is the interim occupancy fee on a pre-construction condo? Its three components, why it builds no equity, and how long it lasts — a hidden cost every pre-construction buyer should understand.

New vs Resale Condo in the GTA: Which Should You Buy?

There is no universal answer—it comes down to your timeline, cash flow, and tolerance for uncertainty. A new (preconstruction) condo lets you pay the deposit in instalments, comes with Tarion's Ontario new-home warranty, and can be customized, but you take on delivery delays, interim occupancy fees,

买新公寓还是二手公寓？GTA 购房者的取舍

没有绝对答案，取决于你的时间表、现金流和风险承受能力。全新（楼花/preconstruction）公寓首付分期付、有 Tarion 安省新房保修、可定制户型，但要承担交付延期、临时入住费（interim occupancy fee）和 HST 等不确定性；二手公寓价格透明、可即时入住、可实地看房，但没有新房保修、可能面临老化维修和较高的管理费。据 TRREB（2025 年第四季度），GTA 公寓平均成交价为 652,945 加元，买方议价空间充足——这意味着无论选哪条路，先把数字算清楚比追'新'或'便宜'更重要。