Author: homegoal.ca

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In British Columbia, five million residents live in condominiums and other stratified housing. Recent municipal and provincial policies that push for densification will only increase that number. That means the dream of safe and secure homeownership in the province hinges on the strength of strata governance.  B.C.’s strata councils – often known as condo boards in other parts of the country – are tasked with managing everything from budgets to bylaws. Despite that outsized responsibility, however, they operate without formal training. The result is a patchwork of management quality, rising disputes, and eroding trust in the very institutions meant to…

The price-to-rent ratio is a simple metric that compares the cost of buying a home to the cost of renting a comparable unit over a year. It can provide a quick screening tool for investment, as lower ratios tend to indicate that ownership is cheaper relative to rent, while higher ratios indicate the opposite. Common industry cutoffs treat ratios under about 15 as “buy-favourable,” between roughly 16 and 20 as neutral, and above about 21 as “rent-favourable.” National Trends On an aggregate index basis, Canada’s price-to-rent series registered at 134.71 for the first quarter of 2025, a small decline from…

According to the latest rent report from Rentals.ca and Urbanation, August marked the eleventh consecutive month in which the national average rent declined on a year-over-year basis. This is also “the longest stretch of rent declines since the early pandemic period,” says the report. With just shy of a year of sliding rents under the nation’s belt, the average price a Canadian pays to rent their home now sits at $2,137, down 2.3% from August 2024. But despite the sustained downwards trajectory, rents are still perched 1% higher than they were two years ago, highlighting just how expensive prices became…

Toronto’s real estate bubble just lost another key pillar: jobs. Statistics Canada (StatCan) data shows the Toronto CMA unemployment rate is nearing double-digits, with Mississauga and Brampton already well above 10%. What was once one of the country’s strongest job markets is now cracking—raising questions about short-term value and the long-term sustainability of a housing market once seen as untouchable.  Greater Toronto’s Job Market Is Spiraling: Unemployment Surges Toronto CMA unemployment rate (unadjusted 3-month average).  Source: StatCan; Better Dwelling.  The Greater Toronto job market is crumbling faster than the national average. The CMA’s unemployment rate hit 9.4% in August, up…

Branch staff aren’t just the friendly faces your clients see when they first visit your office. They’re the air traffic controllers, directing people, paperwork, and problems to the correct avenues to be handled as quickly as possible. But if there ever was a person you should familiarize yourself with at your branch, it’s your deals administrator. Your hardworking deals admins collect and amalgamate all transaction paperwork, typically using an online management system like Skyslope or Nexone. They are the main point of contact amid the flurry of follow-ups from clients, lawyers, and agents alike. Depending on the size of the…

Parallax Development Corporation has filed plans for a 19-storey, 746-bed private student residence near the College Street and Spadina Avenue intersection in Toronto’s Kensington-Chinatown neighbourhood. The area is also home to the University of Toronto, which has its main campus located just east of the proposed development. The site is also in close proximity to Toronto Metropolitan University.Plans were filed in late-August in favour of an Official Plan and Zoning By-law Amendment application, as well as a Site Plan Approval application to permit the proposed built-form and use. This most recent application succeeds prior filings beginning in 2014 that resulted…

Homeownership has always carried financial strain, but the scale of difficulty today is fundamentally different from the past. For couples in their 30s — the median age when most Canadians purchase their first home — the burden of borrowing has grown heavier despite falling interest rates and rising incomes. By comparing borrowing costs across decades, one conclusion becomes unavoidable: today’s buyers face the steepest and most prolonged path to homeownership  In 1990, a Canadian family needed just over $41,000 for a down payment on a $207,756 home, a sum that could be saved in about 10 years. By 2025, the…

Canada’s housing crisis has become a national policy priority, and for good reason. Affordability is at generational lows, rental markets are straining under record population growth, and homebuilding has slowed even as demand rises. Governments have responded with ambitious targets, zoning reforms and tax changes. Yet the gap between policy ambition and on-the-ground results remains stubbornly wide. That gap is not just about capital or regulation. It’s also about perspective. Canadian housing policy is being made largely without the insight of those closest to its day-to-day failures: the real estate brokers and agents navigating this market in real time. These…

Brightstone has just announced it is launching OG Urban Towns, a 101-stacked townhouse development in downtown Mississauga—one of the GTA’s fastest changing neighbourhoods. OG Urban Towns has already garnered substantial attention, not merely because it’s one of the few launches of its kind in the region this fall, but because it’s filling a demand in the market that’s long been overlooked. Prices for the homes start in the $500’s. “Missing middle”, or gentle-density, housing has long been touted as a counterbalance to the high-rise residential boom that’s changed the GTA’s complexion over the last 15 years. “OG Urban Towns is…