Unsure About the Housing Market? Let's Talk.

Tanya Toye • April 24, 2024

If you’ve been thinking about buying a property, whether that be your first home, next home, forever home, or a home to retire into, the current state of the Canadian economy might have you wondering: Is this really the right time to make a move? There is certainly no shortage of doom and gloom in the news out there. 


The truth is, that’s a tough question to answer in the best of times. It’s nearly impossible to know for sure what’s going to happen next with the housing market in Canada. It could heat up or it could cool down.


So here’s some advice. Instead of basing your buying decision entirely on external market factors, like the economy or housing market, consider looking for the answers internally. When you stop looking at the market to determine your timing to buy a home, and instead examine the personal reasons you have for wanting to buy a home, the picture can become much clearer. 


Here are some questions to consider. Although they are subjective, they will help bring you clarity. Ask yourself:

  • Does buying a property now put me in a better financial position?
  • Do I make enough money now to afford a new home and maintain my lifestyle?
  • Do I feel confident with my current employment status?
  • Have I saved enough money for a down payment?
  • How long do I plan on living in this new home?
  • Is there any scenario where I might have to sell quickly and potentially lose money?
  • Does buying a property now move me closer to my life goals?
  • Do I really want to buy now or am I just feeling a lot of pressure to just buy something?
  • Am I holding back because I'm scared property prices might drop soon?


There’s no doubt that buying a home can be stressful, but it doesn’t have to be. Having a plan in place is the best course of action to help you make good decisions and alleviate that stress. 


If you’d like to have a conversation to discuss your plans, ask some questions, and map out what buying a home looks like for you, we can address many of the unknowns together. 


The best place to start is to work through a mortgage pre-approval. There is no cost for this service, you’ll learn exactly what you can qualify for, and it will provide a lot of clarity about your situation. 


You might decide that it’s best to wait before buying, and that’s just fine. You might find that now’s a perfect time for you to buy! If you'd like to talk, please connect anytime. You’re not in this alone. We can work through everything together.

Tanya Toye

Mortgage Broker

GET STARTED

Your Guide to Real Estate Investment in Canada

By Tanya Toye • April 8, 2026
Your Guide to Real Estate Investment in Canada Real estate has long been one of the most popular ways Canadians build wealth. Whether you’re purchasing your first rental property or expanding an existing portfolio, understanding how real estate investment works in Canada—and how it’s financed—is key to making smart decisions. This guide walks through the fundamentals you need to know before getting started. Why Canadians Invest in Real Estate Real estate offers several potential benefits as an investment: Long-term appreciation of property value Rental income that can support cash flow Leverage , allowing you to invest using borrowed funds Tangible asset with intrinsic value Portfolio diversification beyond stocks and bonds When structured properly, real estate can support both income and long-term net worth growth. Types of Real Estate Investments Investors typically focus on one or more of the following: Long-term residential rentals Short-term or vacation rentals (subject to local regulations) Multi-unit residential properties Pre-construction or assignment purchases Value-add properties that require renovations Each type comes with different financing rules, risks, and return profiles. Down Payment Requirements for Investment Properties In Canada, investment properties generally require higher down payments than owner-occupied homes. Typical minimums include: 20% down payment for most rental properties Higher down payments may be required depending on: Number of units Property type Borrower profile Lender guidelines Down payment source, income stability, and credit history all play a role in approval. How Rental Income Is Used to Qualify Lenders don’t always count 100% of rental income. Depending on the lender and mortgage product, they may: Use a rental income offset , or Include a percentage of rental income toward qualification Understanding how income is treated can significantly impact borrowing power. Financing Options for Investors Investment financing can include: Conventional mortgages Insured or insurable options (in limited scenarios) Alternative or broker-only lenders Refinancing equity from existing properties Purchase plus improvements for value-add projects Access to multiple lenders is often crucial for investors as portfolios grow. Key Costs Investors Should Plan For Beyond the purchase price, investors should budget for: Property taxes Insurance Maintenance and repairs Vacancy periods Property management fees (if applicable) Legal and closing costs A realistic cash-flow analysis is essential before buying. Risk Considerations Like any investment, real estate carries risk. Key factors to consider include: Interest rate changes Market fluctuations Tenant turnover Regulatory changes Liquidity (real estate is not easily sold quickly) A strong financing structure can help manage many of these risks. The Role of a Mortgage Professional Investment mortgages are rarely “one-size-fits-all.” Lender policies vary widely, especially as you acquire more properties. Working with an independent mortgage professional allows you to: Compare multiple lender strategies Structure financing for long-term growth Preserve flexibility as your portfolio evolves Avoid costly mistakes early on Final Thoughts Real estate investment in Canada can be a powerful wealth-building tool when approached with a clear strategy and proper financing. Whether you’re exploring your first rental property or planning your next acquisition, understanding the numbers—and the lending landscape—matters. If you’d like to discuss investment property financing, run the numbers, or explore your options, feel free to connect. A well-planned mortgage strategy can make all the difference in long-term success.

Planning a Move? Look into Your Mortgage Options Before House Hunting

By Tanya Toye • April 7, 2026
Whether you’re preparing to buy your very first home or planning your fifth move, the reasons behind a move often evolve over time. Each stage of homeownership comes with different priorities, lifestyle considerations and financial goals. As a result, the mortgage that works best for you should reflect where you are today – and where you’re planning to go next. Upsizing For many homeowners, moving is about upsizing. As families grow, the need for additional bedrooms, more living space or a larger yard often becomes a priority. A bigger home can provide the space needed for children, home offices or simply a more comfortable lifestyle. In these situations, careful mortgage planning is essential to ensure the new home remains affordable while still allowing room for future financial flexibility. Downsizing Many homeowners ultimately reach a stage where downsizing makes more sense. Once children move out or lifestyle priorities change, a smaller home can offer easier maintenance, lower costs and the opportunity to free up home equity. Downsizing can also be part of a broader retirement strategy, helping homeowners simplify their finances while still enjoying the benefits of homeownership. Changing circumstances A move can be driven by changing life circumstances. A new job may require relocation, a desire to be closer to family may influence a move, or buyers may want access to different schools, amenities or neighbourhoods. In some cases, homeowners simply want a property that better reflects their current lifestyle – whether that means a shorter commute, a quieter community or a home designed for aging in place. Financial strategy Moving can be a strategic financial decision. Homeowners who have built significant home equity may choose to leverage it to upgrade their property, invest in a different location or restructure their finances in a way that better supports their long-term goals. Mortgage features Whatever the reason behind the move, the mortgage attached to that purchase should be just as carefully considered as the home itself. Features such as payment flexibility, prepayment privileges, portability and the right mortgage term can make a meaningful difference over time. Every move tells a different story and your mortgage should be tailored accordingly. If you’re thinking about making a move – whether it’s your first home or your next chapter – it’s worth exploring your options and planning ahead so your financing supports the life you’re building. Wondering how to optimize your mortgage on your next property? I’m here to help weigh all your options. 604-788-8693 | tanya@tanyatoye.ca