pre-construction

Is a Studio / Bachelor Condo Worth Buying? The Real Math on Resale, Rent and Financing

Is a Toronto studio/bachelor condo a smart buy? A broker breaks down the thin resale pool, lagging appreciation, and lender minimum-size rules (~400-500 sqft), plus investor vs. end-user math.

Condo Maintenance Fees, Explained: What They Cover, What’s Reasonable per Sq Ft, and Why They Rise

What Ontario condo maintenance fees cover, reasonable GTA $/sqft ranges, why an underfunded reserve triggers special assessments, and how to read a status certificate before you buy.

New Home GST/HST Rebate: Why the Person Living There Must Be the Owner or a Tenant

Ontario new-home GST/HST relief runs on two tracks: the New Housing Rebate for owner-occupiers and the NRRP Rebate for landlords. Both demand real occupancy, or CRA claws it back with interest.

Pre-Construction Condo Assignment Sales in Ontario: The Complete Buyer and Seller Guide

A complete Ontario guide to pre-construction condo assignment sales: builder consent and fees, deposit and occupancy math, the 2022 CRA GST/HST rule, business income vs capital gain, and the real risks for assignor and assignee.

Modular & Prefab Homes in Ontario: CSA A277 vs Mobile Homes, Financing, and Resale Value

An Ontario guide to modular and prefab homes: modular (CSA A277, built to the Ontario Building Code) vs mobile/manufactured (CSA Z240), how a permanent foundation decides a normal mortgage vs a chattel loan, CMHC Prefab Plus, the three conditions for Tarion warranty, land-lease community risk, and why a true modular home appreciates like a conventional house. Sources: Ontario.ca / CSA / CMHC / Tarion (2026).

New Build vs. Resale in the GTA: Price, Warranty, Risk and Carrying Costs Compared

New build (builder / pre-construction) vs. resale home in the GTA: a full comparison of deposit structure, HST and the New Housing Rebate (plus the federal first-time buyer GST rebate under Bill C-4), Tarion 1/2/7-year warranty, closing costs and delivery risk — with a buyer-by-buyer decision framework. Source: Tarion / CRA / Ontario.

The Tarion New Home Warranty in Ontario: The 1-, 2-, and 7-Year Coverage Explained

A GTA buyer's guide to Ontario's Tarion new home warranty: what the 1-, 2-, and 7-year tiers each cover, deposit protection limits (up to $100,000 freehold, $20,000 condo), delayed-closing compensation (up to $7,500, $150/day), the 30-Day and Year-End forms, and how it works with the builder's HCRA licence. Source: Tarion / HCRA.

Why Do Condo Fees Keep Rising in Ontario — And How to Tell If a Fee Is Reasonable

Why do Ontario condo maintenance fees keep rising? What your monthly common-element fee actually pays for, how the reserve fund and reserve fund study drive increases, and how to judge a cheap fee vs a healthy fee before you buy — a GTA buyer's guide from Arthur Zhao.