The Cost of Selling a House in Canada

Selling is not just about the price you accept; it is about the net you keep. Below is a clear, GTA-focused breakdown of typical seller costs in Canada, where they come from, and smart ways to manage them.

The Big Three Seller Costs

1) Real estate commission (fully negotiable)

There is no fixed or government-set commission in Ontario. You and your listing brokerage agree on if, how, and how much commission is paid, and commissions are negotiable. RECO (Ontario’s regulator) explicitly states the amount is not fixed or approved by RECO, government, or boards.

Typical GTA patterns: Combined commission often falls in the 3.5%–5% range of the sale price, though structures vary by property, market, and…

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Tips for Buying Land to Build a House On (GTA Edition)

Picture this: you find a beautiful lot with mature trees, a quiet street, and the perfect spot where your future living room could catch the afternoon sun. It looks ideal, yet beneath the surface are the rules, services, soils, and approvals that decide whether your dream home actually fits, and at what cost. Buying land in the GTA is as much about purchasing permission as it is about purchasing property. The smartest buyers treat the process like a well-sequenced project, testing assumptions early, and turning uncertainty into clear, buildable steps.

The goal is simple—avoid costly surprises, protect your budget, and shorten your timeline from offer to occupancy. With careful due diligence, the…

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Can a Seller Back Out of an Offer in Canada?

Selling a home in the GTA can move fast. Multiple offers, tight timelines, and life changes can make even a confident seller wonder: can I back out after I’ve accepted an offer? The short answer is rarely, and only in narrow, contract-based scenarios. Once there is a binding Agreement of Purchase and Sale (APS), Ontario law treats it as a contract the courts will enforce.

Below is a plain-language guide for GTA sellers on when a seller can walk away, when they cannot, what happens to the deposit, and how to protect yourself before you sign. This is general information, not legal advice—always consult your real-estate lawyer for your specific situation.

Fast Primer: When Is a Deal “Real”?

The…

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Choosing the Best Offer: GTA Sellers’ Playbook

Two offers land on your listing the same evening. One is the highest price on paper, but contains a financing condition, a long inspection window, and a modest deposit. The other is slightly lower, firm, and closes on your ideal date. Which one actually gets you to the finish line with the least risk, the fewest surprises, and the strongest net? This guide breaks down how GTA sellers can read between the lines, separate signal from noise, and pick the offer that truly serves their goals.

Start with net, not headline price

A compelling offer is more than a big number. Focus on what lands in your account on closing: price, minus any credits or concessions, and measured against certainty of closing. In…

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From Weekender to “Where You Live”: A GTA Buyer’s Guide to Year-Round Cottage Life

Imagine trading the Gardiner crawl for a road that ends at the lake, the elevator for a front porch where loons do the sound check, and the weekend scramble for a weekday paddle before your 9 a.m. stand-up. That is not fantasy for many Greater Toronto Area (GTA) buyers; it is a growing, practical shift. With hybrid work now baked into Canada’s labour market and recreational prices holding steady to modest growth, more households are asking a simple question: if the cottage is where we feel most like ourselves, why not make it our address?

Why this shift is happening now

Hybrid work made distance negotiable

Remote work spiked during the pandemic, and although…

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2025 Housing Changes in the GTA: What You Need to Know

The path to homeownership in the Greater Toronto Area is changing in meaningful ways. Ottawa has rolled out new incentives, adjusted mortgage rules, and doubled down on a national plan to boost supply. For first-time buyers, there are real cost savings on new construction. For everyone else, there are new lending thresholds, programs to watch, and timelines to plan around. This guide breaks down what matters now, what it could mean for your budget, and how to turn the rules to your advantage.

The Big Moves at a Glance (2024–2025)

  • Full federal GST relief on many first-time buyer new homes, and partial relief up to $1.5M. First-time buyers pay no federal 5% GST on eligible new homes…

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Why Do Outdoor Spaces Matter When Buying a Home?

Whether you are eyeing a downtown condo with a balcony or a detached home in Mississauga with a backyard, outdoor space shapes daily life in ways that photos often miss. In the GTA, where many buyers juggle urban convenience, family needs, and four-season weather, the right outdoor area can elevate comfort, wellness, and long-term value.

The Real Value of Outdoor Space

Lifestyle, Wellness, and Daily Ease

  • A private retreat: Even a small balcony or terrace offers breathing room, a quiet coffee spot, and a place to decompress after the Gardiner or GO commute.

  • Natural light and fresh air: Easy access to daylight and ventilation boosts mood and sleep quality, helping condos feel…

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How Can I Avoid Being “House Poor”? A GTA Guide to Smart Homeownership

Buying a home in the Greater Toronto Area is a major milestone, and for many people, a lifelong dream. But there is a difference between owning a home you love, and owning a home that quietly drains your bank account every month. Being “house poor” happens when too much of your income is tied up in housing costs, leaving too little for savings, emergencies, and the life you want to live. The good news? With the right plan, you can enjoy homeownership without the constant money stress.

Below is a practical, GTA-focused guide to help you build a budget, shop smart, and protect your cash flow long after you get the keys.

Step 1: Run the Numbers the Way Lenders Do

Know your key…

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Can Immigrants Buy a Home in Canada? A GTA-Focused Guide

If you are new to Canada and eyeing the Greater Toronto Area, the short answer is yes—most newcomers can buy a home. The details, however, depend on your status, where you plan to buy, and a handful of federal, provincial, and City of Toronto rules. This guide breaks it down in plain language, so you can move from questions to keys in hand.

Quick Answer by Status

  • Canadian citizens and permanent residents (PRs): Free to buy anywhere in Canada, including the GTA.

  • Temporary residents (work permit holders and some students): May be able to buy if they meet specific conditions.

  • Non-residents/foreign buyers (not PRs or citizens): Currently barred from purchasing most…

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How Working from Home Is Shaping GTA Real Estate

The way we live and work has fundamentally shifted, and the Greater Toronto Area (GTA) real estate market is feeling the impact. Remote work – accelerated by the COVID-19 pandemic – untethered many people from daily commutes and downtown offices. With more Canadians working from home or on hybrid schedules, homebuying priorities have changed. At the pandemic’s peak in 2020, 40% of working Canadians were remote; even in early 2024, one in four still worked partly from home. This flexibility means buyers now seek larger spaces, home offices, and a better quality of life rather than just a short commute. Sellers are adapting to meet these new demands.

Changing Priorities in the Work-From-Home Era

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