Pensions CAN Make All the Difference

For many Canadians, mortgage qualification remains the biggest hurdle between them and their next property. Even with the right down payment, stricter income-use rules and stress test guidelines mean that buyers, and even seasoned investors, often fall just short of the numbers they need.

One overlooked solution? Pension income.

Most buyers are surprised to learn...

Suburban growth has historically been associated with incremental development, where subdivisions appeared one after another with little coordination beyond basic zoning rules. That approach often left buyers with limited housing diversity, uneven infrastructure, and a patchwork of amenities that lagged behind demand. In recent years, however, a different model has gained momentum, as master-planned...

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...