MandeepToor Podcast

has the Carney government adopted policies traditionally associated with conservatism?

The discussion looks at issues including taxation, government spending, regulation, immigration, defence, resource development and the role of government. Coyne argues that simply comparing the current government with the previous Liberal government may not be enough to determine where it sits politically.

The bigger question may be:

Is Canada&rsquo...

Property taxes are an unavoidable cost of homeownership — and as property values, assessments, municipal budgets, and household expenses change, understanding your overall cost of owning a property becomes increasingly important.

Don’t wait until rising costs catch you off guard.

Whether you are thinking about selling, buying, refinancing, downsizing, or investing, understanding your property’s current market positi...

The U.S. housing market is facing renewed pressure from higher borrowing costs.

According to Freddie Mac, the average U.S. 30-year fixed mortgage rate reached 7.03% this week, crossing the 7% level for the first time since January 2025. The rate was 6.95% the previous week and 6.30% one year ago.

At first glance, this may appear to be an American housing-market story. However, Canadian buyers should pay attention because developments...

In Q1 2026:

• 35.5% of new uninsured mortgages had variable rates• 49.5% had fixed terms of less than 5 years• Only 14.9% had fixed terms of 5 years or longer — down from 22.8% in 2022.

What does this mean?

Shorter terms and variable mortgages can offer flexibility and may make sense depending on where rates are heading. But they also mean greater exposure to future interest-rate changes and mortgage renewal risk.

CMHC reports th...

🏦 Bank of Canada holds at 2.25%The Bank of Canada has maintained its benchmark interest rate at 2.25% for the seventh consecutive decision, while continuing to monitor inflation risks linked to geopolitical tensions and new U.S. trade tariffs.

🏠 Mortgage rates remain an important factorSome 5-year fixed mortgage rates are now available around 4.09%, giving qualified buyers more options as borrowing conditions stabilize.

📉 Toronto ...

This catalogue is a game-changer for creating more affordable housing options in our community . It features pre-reviewed designs that are generally compliant with the Ontario Building Code, which can save you time and reduce design costs . Whether you’re interested in an accessory dwelling unit (like a coach house) or a small multi-unit building (like a fourplex), this catalogue can help you get started faster .

The Town has ...

The golden rule: $0.75–$0.85/sq ft is reasonable.👉 For a 700 sq ft unit, ~$595/month = fair game.🚩 Over $1/sq ft? That’s pricey—unless the amenities wow you.

But watch out:🔻 Super low fees (e.g., $0.50/sq ft in an old building) = red flag. Could mean an underfunded reserve fund → hello, special assessments!🔻 Older buildings, pools, and utilities = higher fees.🔻 Fees ALWAYS rise—no legal cap in ON or BC.

M...

• GTA sales: 5,995 (-0.9% YoY)• Avg price: $1,003,956 (-4.5% YoY)• Monthly drop: -$54,972 (-5.2%)• New listings: -17.8% YoY• Active listings: -12.1% YoY

The big story: Sellers are disappearing faster than buyers. Supply tightened not because of demand surge, but because owners are withdrawing listings rather than accepting lower prices.

Freehold homes took the biggest hit – 905 detached dropped 5.1% in just one month (-$65,547)...

With over 184K new PRs arriving in 2025 from top source countries like India, China, and the Philippines, the demand for housing remains massive.

The key takeaway? Whether it is $31B or $50B, these buyers are here to stay, and they need homes. If you are a new PR looking to navigate the market, or a seller looking to tap into this demand, timing is everything.

Let’s connect to discuss your next move.

📩 DM me directly or Call me...

If you’re planning a custom home, you’ve probably heard about Insulated Concrete Forms (ICF). But is it worth the cost? Will it really save you money? And what’s the actual building timeline?

Here’s what I found - and the numbers might surprise you.

📊 First, the Honest Truth on Cost

Let’s cut through the brochure talk. ICF does cost more upfront - that’s just reality. But the real question isn&rsqu...

I sat down with fellow Realtor Mandeep Toor to break it all down—because as Realtors, we get asked this constantly, and we need to give the right answers without stepping into legal territory.

Here’s what Mandeep and I covered:

THE SHORT ANSWER:

✅ Yes—but ONLY through legal exemptions under the Land Transfer Tax Act.

❌ Side deals, price adjustments, or cash arrangements? That’s tax evasion. Mandeep was crystal c...

Land transfer tax (LTT) can add tens of thousands to closing costs—and it’s double in Toronto. But here are 7 legitimate ways lawyers can help clients reduce or eliminate it:

✅ First-time buyer rebates – Up to $4,000 provincially + $4,475 municipally (Toronto). Must be citizen/PR, never owned home anywhere, move in within 9 months.

✅ Spousal transfers – No LTT if transferring to a spouse for nil consideration ...

The Good News: Demand is cooling. With interest rates shifting and population growth slowing down, the red-hot real estate frenzy is fading. Inventory is starting to stabilize, giving buyers a little more breathing room.The Reality Check: We aren't out of the woods yet. Affordability is still a major issue. High energy costs and global trade tensions are squeezing wallets. Plus, the economy is splitting—provinces with natural...

We are officially moving past the pandemic chaos and entering a “new normal” defined by regional divergence and cooling demand.

According to insights from True North Mortgage, the macro trends are clear:📉 Prices & Inventory: Home prices are fluctuating with downward pressure, while inventory levels are finally stabilizing. This is a shift from the extreme seller’s market we’ve grown used to.⛽ The Headwin...

The Town is currently reviewing POPA 2026-0007, a comprehensive proposal by Malone Given Parsons Ltd. on behalf of landowners including Mattamy (Innis Lake) Limited to establish the Innis Lake Secondary Plan . This isn’t just a routine application; it’s a blueprint for transforming approximately 1,010 acres of land, bound by Healey Road, Centreville Creek Road, Mayfield Road, and Innis Lake Road, into a dense new urban ...

While local officials and developers push forward with plans to transform a 36-acre multi-block commercial site into a massive retail destination, the project is stepping directly into the spotlight of local council debates.

Here is everything you need to know about the upcoming battle over Caledon’s retail future:

🛒 The Heavyweight Anchors

The proposed hub at the northwest corner of Mayfield Road and Creditview Road (in the Al...

If you’re a buyer agent, you’ve likely fallen into one of two camps when it comes to power-of-sale properties:❌ Treat them like a standard resale (dangerous)❌ Run for the hills the second you see “Power of Sale” (unnecessary)

Neither is correct. And here’s why 👇

THE SELLER IS NOT THE HOMEOWNERIn a normal resale, the seller knows the roof’s age, the leak history, and which light switch does what.In...

📖 Did you know? In the Book of Revelation, “The Beast” isn’t just one symbol—it represents oppressive empires, false prophets, and the number 666 (or 616 in some manuscripts).

Whether you read it as history, prophecy, or allegory, it’s one of the most iconic and debated figures in Western literature.

🐉 What’s your take? Antichrist? Roman Empire? Human greed? Drop a 🔥 if you’ve studied Reve...

They sound reasonable. But under Ontario’s Residential Tenancies Act, many of these clauses are completely unenforceable.

As agents, our job isn’t just to lease a property quickly or for top dollar — it’s to protect our clients. That means educating landlords before they list, and ensuring tenants know their rights.

Here’s what actually works ✅

* Use the Ontario Standard Lease

* Charge a reasonable key dep...