pre-construction

Do You ‘Close’ on a Pre-Construction Condo? The Two Closings Every Ontario Buyer Should Know

An Ontario pre-construction condo has two closings: interim occupancy (you move in and pay occupancy fees / phantom rent) and final closing when the condo registers and title transfers. See the Condominium Act 1998 framework, occupancy-fee components, closing costs and Tarion timing.

Is Your Pre-Construction Deposit Safe? Deposit Structure & Tarion Protection (2026)

Are the tens of thousands you put down on a pre-construction home safe? A guide to deposit structure and Tarion deposit protection for condos (Condominium Act trust + up to $20,000 from Tarion) and freehold homes (up to $60,000 / $100,000), plus the new April 1, 2026 rule requiring freehold buyers to notify Tarion within 45 days.

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.