When mortgage rates begin to decline, it is understandable that prospective homebuyers may consider waiting. The reasoning seems straightforward: if borrowing becomes less expensive in the future, waiting for another rate reduction should make the eventual purchase more affordable. But real estate affordability is determined by more than the mortgage ...
Continue ReadingCommission rebates have become one of the ways some real estate brokerages differentiate their services. A buyer or seller may be offered a portion of the remuneration associated with their transaction back as a rebate, sometimes described in advertising as a percentage of commission, a fixed dollar amount or simply ...
Continue ReadingCommercial real estate can generate income, preserve capital, provide opportunities for appreciation and play an important role in a diversified investment strategy. It can also produce significant losses when an acquisition is based upon assumptions that do not survive contact with the actual property, market or financing environment. Unlike many ...
Continue ReadingOrganizations rarely move from one governance model to another overnight. A business, brokerage, professional practice or other organization may recognize that its existing approach to governance has become too operational, too dependent on individual decision-makers, or too focused on managing immediate issues. Leadership may want to establish a more strategic ...
Continue ReadingCommission rebates can be an attractive part of a real estate representation arrangement. Depending on the agreement between the client and brokerage, a portion of the remuneration earned on a transaction may be returned to the buyer after the purchase is completed. For someone already making a substantial investment in ...
Continue ReadingPurchasers who have financed a home are sometimes surprised by how different the process becomes when they acquire commercial or investment real estate. A residential mortgage can create an expectation that financing is primarily about the borrower: income, credit, down payment and the value of the home. Those considerations remain ...
Continue ReadingAre you looking to transfer real estate property during your lifetime to your children? Maybe your rental property or a cottage? First of all, yes it’s possible, but take the time to evaluate all the possible scenarios. There are many solutions available and they all come with their share of ...
Continue ReadingIndustrial real estate can be an exceptionally useful asset. A manufacturing facility, warehouse, distribution building, contractor’s yard or multi-tenant industrial property can support business operations, generate investment income and provide long-term appreciation. However, industrial property should rarely be evaluated on size, location and purchase price alone. The more important question ...
Continue ReadingSophisticated real estate investors rarely evaluate a property based solely on its appearance, emotional appeal, projected appreciation, or short-term market excitement. Real estate investors naturally look for opportunity. They consider rental income, appreciation, redevelopment potential and the possibility of building wealth over time. Experienced investors, however, tend to approach the ...
Continue ReadingUnderstanding the New GST/HST Rebates for First-Time Home Buyers For many first-time home buyers, GST/HST on newly constructed homes can represent a significant additional cost during the purchase process. In 2025 and 2026, new federal and proposed provincial rebate programs were introduced to help eligible first-time home buyers reduce the ...
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