Local real estate insights for Toronto and the GTA from Jatin Dua, Realtor at RE/MAX Quantum Realty. Want this applied to your own situation rather than the market as a whole? Send me your address or your budget and I will run the numbers for you. Call or text 833-330-1925, or send me a message.
TRREB’s July 2026 numbers: GTA average $1,003,956, down 4.5% year over year, with new listings down 17.8%. 416 condos averaged $672,807. Here is how to decide whether to sell now or hold.
How CMHC MLI Select works for small Toronto investors — the 5-unit minimum, the 50-point threshold, up to 95% LTV and 50-year amortization, and why Etobicoke lots suit it better than most of the city.
What Tarion actually covers on a new Ontario condo — 1, 2 and 7 year warranties, the 30-day deadline that catches almost everyone, $300,000 unit coverage limits, and the April 2026 registration change.
Toronto short-term rental rules for 2026 — principal residence only, $375 registration, a 180-night cap on entire-unit rentals, 8.5% Municipal Accommodation Tax, and fines up to $100,000. Plus why your condo board may say no anyway.
Toronto’s 2026 rules for adding units — legal basement apartments, laneway and garden suites, and fourplex-as-of-right. Ceiling heights, egress, parking, development charges and what actually gets approved in Etobicoke.
The Toronto Vacant Home Tax is 3% of assessed value and the declaration deadline is April 30 — miss it and your home is deemed vacant. Plus the new graduated MLTT rates on high-value homes effective April 1, 2026.
What interim occupancy really costs pre-construction buyers in Toronto — how occupancy fees are calculated, why none of it pays down your mortgage, how long the period lasts, and how to budget for it.
A plain-English guide to assignment sales in Toronto — how they work, what builder consent costs, the HST trap that catches almost everyone, and why the 2026 assignment market is so difficult.
Every cost of selling a home in Ontario in 2026 — commission, the 13% HST on commission, legal fees, mortgage penalties, capital gains and the property flipping rule. With a free calculator.
A plain-English guide to the five overlapping GST and HST rebates on new Ontario homes in 2026 — federal FTHB rebate, Ontario FTHB rebate, Ontario Enhanced New Housing Rebate, ONHAP and the legacy rebate. Exact amounts, exact dates, and how they stack to $130,000.
