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Is The Toronto Condo Market In A Precarious State?

January 26, 2023
Finance, Real Estate
Welcome to the Urbaneer.com blog that explores housing, culture and design in Toronto, Ontario, Canada! I’m Steve Fudge and I sell Toronto real estate. Being a realtor and property consultant for over 3 decades, a year ago I felt the market shift. And eleven months ago I started expressing my…
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Dear Urbaneer: Does It Make Sense To Buy A Home In A Declining Market?

August 30, 2022
Dear Urbaneer, Finance, Real Estate
Welcome to this month’s installment of Dear Urbaneer, where I – a Toronto realtor for 30 years – answer real estate questions from my savvy readers. This time around, I’m offering guidance to a reader with a young family who will soon be relocating to Toronto. Given the current concerning…
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Turning A Blind Eye To The Real Costs Of Toronto Real Estate Investment Properties

February 28, 2022
Finance, For Buyers, Real Estate, Tales From The Real Estate Trenches
Welcome to my blog on design, culture and housing in Toronto, Ontario, Canada. For many, it’s hard to envision Toronto – a city that has experienced near consistent market appreciation for a quarter of a century with nary a dip outside of the occasional value flatline –  experienced a calamitous…
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Dear Urbaneer: How Might CRA Taxation Affect The ROI Of An Investment Property?

February 25, 2022
Dear Urbaneer, Finance, For Buyers
Welcome to this month’s installment of Dear Urbaneer, where I answer questions and concerns from inquisitive readers and clients. This month, I offer advice to a Buyer wanting to understand how CRA (Canada Revenue Agency) taxation is factored based on how the income and expenses are reconciled, remitted, or deferred…
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Urbaneer Interviews A Mortgage Broker On Guiding Toronto Real Estate Buyers

August 7, 2020
Finance, Real Estate
We’ve talked about home inspectors, lawyers, and most recently appraisers, so now let’s ask: What exactly does a Mortgage Broker do? We spoke with our go-to mortgage master Jake Abramowicz (now The Mortgage Jake Team) and here’s what he had to say!   Thanks for asking, Steve! It’s an excellent question…
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Financing Your Toronto Real Estate Purchase? There’s An App For That!

June 12, 2020
Finance, Real Estate
Whether you’re a first time Buyer or not, there’s a lot of information to digest – not to mention a lot of documentation to execute – once you decide to embark on a dwell hunt. The learning curve can seem especially steep when you are doing it the first time, especially since…
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Changes To Mortgage Rules Will Reduce Buying Power Of Canadians

June 5, 2020
Finance, Real Estate
House hunters take note: buying a home will be a little tougher, starting on July 1, 2020. CMHC announced this week that they are tightening the rules to qualify for a mortgage. As the economic fallout continues from COVID-19, being overleveraged with household debt creates dangerous vulnerabilities, particularly in an…
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The Role Of Fiscal Stimulus During COVID-19 And Toronto Real Estate

April 20, 2020
COVID-19 & Toronto Real Estate, Finance, Real Estate
For those engaged in the Canadian real estate market – buyers, sellers and homeowners – emerging media headlines about the effects that this global health crisis will have on our economy have been concerning. Certainly, the Toronto real estate market is feeling the impact of COVID-19 rather harshly, in terms of the…
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What You Need To Know About Canada’s New Mortgage Rule Changes

October 20, 2017
Finance, Real Estate
The winds of real estate change are blowing again, this time from Parliament Hill. We’ve seen many new measures and policies unfold for finance and real estate over the past years – the most recent being the Provincial Government’s Fair Housing Plan in April 2017 – but this week the Federal Government has announced…
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How Homeowners Can Adapt To Rising Interest Rates

August 2, 2017
Finance, Real Estate
In one of the more hotly anticipated economic moves this quarter, the Bank of Canada recently raised interest rates for the first time in 7 years, lifting its benchmark interest rate to 0.75 per cent from 0.50 per cent I talked recently in my Summer forecast for Toronto real estate (click here…
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