Buying.

Budget 1.5-4% of the purchase price for closing costs in Ontario. Here's every line item — land transfer tax, legal, title insurance, adjustments — with real 2026 numbers.

On pure dollars, Toronto condos at $700k offer faster path to ownership. On long-term wealth, freehold houses in 905 still outperform — here's the math.

Roof age, electrical (knob-and-tube, aluminum), foundation cracks, asbestos insulation, and grading top the 2026 inspector-report issue list across the GTA.

The federal FHSA, the land transfer tax rebate, the RRSP Home Buyer's Plan, and the new $1.5M insured mortgage cap — every program a first-time buyer in Ontario can stack in 2026.

Ontario's NRST is 25% on residential purchases by foreign nationals, foreign corporations, and taxable trustees. Here's who qualifies for the rebate and how to claim it.

What's actually safe to buy pre-construction in 2026: deposit structure, occupancy fees, Tarion warranty rules, and the 10-day cooling-off period.

Toronto's 2026 multi-offer playbook: bully offers, escalation clauses, pre-inspection, financing-ready packages, and what to actually write above ask in a hot pocket.

Muskoka cottages start at $850k for a year-round access lot. Here's the financing rule (20% min down for second home), insurance, and the four diligence items most buyers skip.

The Trust in Real Estate Services Act replaces REBBA. Designated representation, the new Information Guide, and open-bid options are the three changes that affect buyers most.