Investor's Corner

The core of the 2025 tax environment is certainty: the government explicitly cancelled the proposal from the 2024 budget that would have increased the general capital gains inclusion rate from 50% to 66.67% (two-thirds).7

While the long-term vision is strategically sound, a significant criticism leveled against the budget is its perceived lack of substantial provisions for immediate economic relief and stimulus. Economists and analysts have noted that the budget offers little in the way of direct, broad-based measures to alleviate the current cost-of-living crunch. Workers are grappling with high inflation, high interest rates, and stagnant real wages, all of which are immediate concerns.

Simply put, you cannot recreate peak demand conditions without replicating peak affordability. Since affordability remains severely strained, the theoretical demand is locked away behind an economic wall.

The investment landscape across Southern Ontario is in a period of recalibration. After the frenetic appreciation seen in recent years, driven by low interest rates and fierce demand, 2025 brings a more cautious environment. Higher borrowing costs mean that relying solely on market appreciation to deliver returns is a far riskier proposition. For experienced investors, this is the signal to pivot: the focus must shift from buying market growth to creating value. This is the c

The Bank of Canada (BoC) has delivered its expected but still significant policy decision: cutting its target overnight rate by 25 basis points (bps) to 2.25%. This marks the second consecutive reduction, signalling that the central bank is prioritizing economic support over inflation concerns, which are currently driven more by external trade disruptions than by domestic demand.

While solid national figures are hard to consolidate, the data points emerging from major city centers are a massive red flag. Property management firms in markets like Toronto have reported that over 50% of screened rental applications contain some form of fraudulent discrepancy. Think about that for a moment: one in every two applications you review could be hiding a major lie, whether it’s a fake credit report, a manipulated employment letter, or counterfeit pay stubs.

The Canadian financial landscape is traversing a critical six-month window, stretching from late 2025 into early 2026. This period is defined by the Bank of Canada’s (BoC) cautious pivot toward monetary easing, a necessary response to domestic economic slowing. For investors, realtors, and homeowners, understanding the anticipated path of both variable interest rates, controlled by the BoC, and fixed interest rates, governed by bond markets, is crucial. Analysis suggests that

Ancaster isn't just a picturesque, affluent community known for its historic charm and beautiful homes. Beneath that genteel exterior lies a robust economic engine, steadily growing and evolving. While largely residential, its commercial core, particularly along Wilson Street East and the surrounding areas, is where the mixed-use magic can happen.

The current distress cycle offers a time-limited window to secure high-yield, value-add assets across the Canadian CRE market. Successfully navigating this environment requires targeted expertise in legal risk, adaptive reuse feasibility, and specialized market access. To ensure your investment strategy capitalizes on these discounted opportunities—from acquiring distressed Class B/C office space to executing a retail repositioning strategy—we recommend immediate consultatio

Despite this strong demographic foundation, the favourable economic conditions that bolstered the sector are now facing significant macroeconomic headwinds. The broader outlook, fueled by recent interest rate cycles and a global economic slowdown, suggests a period of cooling for the Canadian economy, which poses a serious and immediate threat to consumer spending and, by extension, the performance of retail property investments.

It is impossible to know when the market has bottomed out in real time. A market bottom is only ever identified in retrospect, once the recovery has already begun and you look back at the historical data. The reality is that the best deals—the high-quality assets priced attractively—are often snapped up in the foggy period just before the bottom is officially recognized.

For multi-family and mixed-use real estate investors, the difference between a high-performing asset and a financial drain often comes down to one critical factor: leasing. Getting units leased out quickly and to AAA-quality tenants is not merely a task; it is the absolute foundation of your investment's financial health and long-term value.

The BoC's core inflation measures, namely CPI-trim and CPI-median, were designed to look past temporary price swings (like volatile gas or fresh food prices) and capture the persistent trend of inflation. However, the success of these measures has been undermined by two critical factors:

Canada's population saw an unusually slow rise in the second quarter of 2025, recording a mere 0.1% increase . Excluding the period...

Finding the right tenant is the single most critical step in protecting your investment and ensuring a positive, profitable landlord experience. In the competitive Hamilton rental market, a well-defined and legally compliant screening process is your best tool for attracting and securing reliable, long-term occupants for your property.

Hamilton, Ontario, is a city on the rise. It’s no longer just about steel; it's a place buzzing with new life in the health sciences, tech, and creative industries. This shift has turned the commercial real estate market into a "strong sellers' market," with demand for properties far outpacing the supply.   

In 2025, a strange and challenging situation has taken hold of the Canadian real estate market. The narrative from politicians and the media still points to a severe housing crisis, yet on the ground, a different reality is unfolding. Homes are sitting on the market for longer, and even rental units are becoming harder for landlords to fill. This paradox is confusing for everyone involved, from first-time homebuyers to seasoned investors. So, why are these two realities so f

The Canadian economy hit a significant stumbling block this past summer, raising questions about a potential recession and what it means for property investors. According to the latest data from Statistics Canada, our economy saw a contraction, but the story isn't entirely negative. For savvy investors in the commercial real estate market, particularly in sectors like multifamily and mixed-use, understanding these dynamics is key to navigating the path ahead.

The future is hurtling toward us at an unprecedented pace , driven by the relentless advancements in Artificial Intelligence (AI),...

If you’re a real estate investor in Southern Ontario, you’ve probably developed a pretty sharp instinct for market shifts. You follow the...