If you bought or refinanced in 2021, you likely secured one of the lowest mortgage rates in Canadian history. Many homeowners locked in rates under 2 percent. Fast forward to 2026 and renewal notices are arriving with rates significantly higher. I am having more...
I see this question every single day in Facebook groups, Reddit threads, and my DMs: “Here’s our income, our savings, and our debt. Are we ready to buy?” And the answers they get are usually terrible. Either wildly optimistic (“Just go for...
Can Teachers Really Afford Toronto? There’s a common question I get from teachers who have been working for two, three, maybe five years with the TDSB, Catholic Board, Peel, or York Region: “I have a great career and I love my students. But I’m carrying student debt,...
