Shows
MandeepToor Podcast🏠 Latest HST Update for Home Buyers in Ontario (March 2026).anada’s new $50,000 GST rebate for first-time home buyers is officially law after Bill C-4 received Royal Assent on March 12, 2026. Ontariohousingmarket🎬 Key Points to Cover in Your Video1. The Federal Rebate — Now Official The legislation eliminates the 5% federal GST on qualifying newly built homes. First-time buyers purchasing newly constructed or substantially renovated homes priced at $1 million or less can recover the full federal GST — up to $50,000 on a $1 million home. Ontariohousingmarket2. Ontario’s Provincial Rebate — Proposed But Not Yet Law Ontario announced its intention to temporarily remove the full 8% provincial portion of the HST for eligi...
2026-03-2104 min
MandeepToor PodcastSpring market is shifting across Brampton and Caledon — and this is where smart buyers and sellers start paying attention 👀The difference? Inventory is rising faster than buyer demand… creating a completely different dynamic than the past few years.According to the Toronto Regional Real Estate Board, the sales-to-new listings ratio (SNLR) is sitting around 47% — putting us in a balanced-to-soft market.So what does that mean for YOU?🏡 Buyers right now:• More homes to choose from• Less bidding wars• More room to negotiate• Price adjustments on slower listingsAfter the high-rate environment influenced by the Bank of Canada, many buyers are finally stepping back into the market.But here’s the other side…...
2026-03-2001 min
MandeepToor PodcastToronto Home Prices Are Down 24% — And the Correction May Not Be Over Yet.If you have been watching the Greater Toronto Area real estate market over the past four years, you already know something significant has shifted. But the full picture — and what it means for your next move — is more nuanced than most headlines let on. As someone who works in this market every single day, I want to give you a frank, data-driven look at where we are, where we may be headed, and most importantly, what it means for you whether you are buying, selling, or simply deciding what to do next.The Numbers: A 24% Drop from the...
2026-03-1905 min
MandeepToor Podcast⚠️ Commission Promise Dispute in Ontario Commercial Real Estate.In a reported commercial leasing case in Ontario, a realtor allegedly promised a client that he would return over $400,000 from his commission, keeping only about $50,000 for handling the paperwork and completing the lease transaction for a large industrial building.According to the information shared, once the lease closed and the commission was paid, communication reportedly stopped. Calls and messages allegedly went unanswered, leaving the client without the promised rebate.If accurate, situations like this may raise serious concerns under Ontario’s Trust in Real Estate Services Act (TRESA) and the professional standards enforced by the Re...
2026-03-0915 min
MandeepToor PodcastGlobal Conflict, Local Impact: 6 Ways the Iran War Could Affect Your Wallet in Canada.While the conflict is happening thousands of kilometers away, Canadians could soon feel the effects in everyday life—from the price at the gas pump to mortgage rates.Here are six key ways the situation could affect Canadian consumers and investors:1️⃣ Higher Gas PricesOil markets reacted immediately to the conflict, pushing global crude prices higher. Analysts expect Canadians could see gas prices rise by 3–6 cents per litre, adding pressure to household budgets.2️⃣ Travel DisruptionsMajor global transit hubs such as Dubai, Doha, and Abu Dhabi have experienced flight disruptions. Several airlines have cancelled or adjusted rou...
2026-03-0617 min
MandeepToor PodcastA Decade of Canadian Banking: Big 6 Financial Performance.A Decade of Growth in Canada’s Banking SectorBetween 2016 and 2026, the Big Six banks significantly expanded their balance sheets and profitability. Total assets across the sector have increased substantially, reflecting growing lending activity, expansion into global markets, and continued demand for financial services in Canada. Net income levels have also trended upward over the decade, despite periods of economic volatility such as pandemic disruptions, interest-rate shifts, and housing market adjustments.Banks adapted by diversifying revenue streams across wealth management, capital markets, insurance services, and international banking operations. These strategies helped maintain strong earnings even du...
2026-03-0505 min
MandeepToor PodcastYour Financial Data is a Hot Commodity: What "Open Banking" in Canada Really Means?Canadians are on the verge of a major shift in how financial data is shared and used — and it could have a big impact on everyday money management. While traditional open banking isn’t fully live yet in Canada, the federal government is rolling out a consumer-driven banking framework that aims to modernize how Canadians interact with their financial data and digital services.🔍 What Open Banking Really MeansOpen banking — also called consumer-driven banking — is a secure system that would allow you to share your financial account information with trusted third-party apps and services (like budgeting t...
2026-02-1705 min
MandeepToor Podcast📊 Canada’s Population Shift & What It Means for Real Estate. Population growth is slowing sharply — projected near 0% this year before slowly recovering toward ~0.7-0.8% by 2029 under updated scenarios. This is a big shift from the faster growth seen earlier in the decade.Why it matters for real estate:🏡 Lower long-term housing demand: Slower growth in the key homebuyer age groups (especially Millennials) suggests less upward pressure on demand compared to recent years.📉 Impact on affordability & pricing: With demand moderating and supply dynamics evolving, expect housing markets to adjust — less dramatic home-price escalation and more buyer leverage in some areas.🌍 Regional dynamics vary: Some pr...
2026-02-1408 min
MandeepToor Podcast📌 Canada’s Population Outlook Just Shifted — Here’s What It Means for Real Estate.📉 Slowing Growth — A Big ChangeCanada’s annual population growth is now forecast to fall to around zero this year, before gradually rising to roughly 0.7–0.8% by 2029. That’s a notable drop from over 1% growth in the decade before 2019, and a far cry from the record growth near 3% seen in 2024.This reflects a combination of changing immigration targets and shifting birth-death dynamics — including fertility rates that are trending lower.👶 What It Means for Housing Demand💡 Fewer first-time buyers emerging?A key driver of housing demand over the last decade was the Millennial generation moving i...
2026-02-1415 min
MandeepToor Podcast2026 in Charts: Home Is Where the Chart Is 📊🏡.The Canadian housing market is entering a defining phase in 2026 — not a crash, not a boom, but a structural reset that will shape decisions for years to come. Leading economists, banks, and market analysts agree on one thing: this cycle is about normalization after excess.Here’s a deeper breakdown of what the charts are really telling us ⬇️1️⃣ A long correction, not a short shockThe housing adjustment that began in early 2022 was never meant to be quick. Years of ultra-low interest rates, speculative buying, and rapid price acceleration pushed valuations far beyond fundamentals. That excess is still bei...
2026-01-1113 min
MandeepToor PodcastOntario Blue Box The Evolution of Circular Recycling Brampton Caledon.Happy New Year! As of January 1, 2026, Ontario's enhanced Blue Box program (managed by Circular Materials) is fully in effect here in Peel Region – meaning a standardized, expanded list of what you can recycle curbside. Your bin and schedule stay the same!What YOU CAN Recycle (empty, rinse, and prepare as noted):Cardboard & boxboard (pizza boxes, cereal boxes, shoe boxes – flatten)Paper products (newspapers, flyers, magazines, envelopes, shredded paper in a tied clear bag)Cartons (milk/juice cartons, soup cartons – lids on)Hot & cold beverage cups, ice cream containersPlastic containers & packaging (bottles, jugs, tubs, trays, yogurt cups, lids on)Tubes (toothp...
2026-01-0513 min
MandeepToor PodcastBrampton Residential Rental Licensing Program Guidelines.The City of Brampton’s Residential Rental Licensing (RRL) Program is reshaping how rental properties are regulated—and it’s expanding citywide on January 1, 2026. If you own or are thinking of investing in a rental property, this is essential information.🏠 What is the RRL Program?Think of the RRL like a business license for rental housing. Just as a restaurant must pass health inspections, landlords must now prove their properties meet safety, maintenance, and community standards before renting.📌 Which Properties Require a License?A license is required for all residential rental properties w...
2025-12-3111 min
MandeepToor PodcastBrampton records 400% increase in property tax accounts sent to bailiff for collection.🚨 Brampton Homeowners Under Pressure 🚨A troubling report reveals a 400% surge in Brampton property tax accounts being sent to bailiffs in just one year. Unpaid property taxes hit $151.2 million in 2024, up more than $40 million from the year before. That means 1 in 10 property owners is now struggling to keep up.This isn’t just a statistic — it’s a warning sign. Rising costs of living, delayed infrastructure, cancelled projects, and years of budget decisions are now colliding with everyday homeowners and small businesses. When essential investments are postponed, the financial burden doesn’t disappear — it eventually lands back on resident...
2025-12-2814 min
MandeepToor PodcastIs Canada’s population really shrinking — or are we being misled by the numbers? 🇨🇦📉Recent Statistics Canada data suggests Canada recorded a population decline, driven by a sharp drop in temporary residents. On the surface, this looks like progress toward Ottawa’s goal of reining in runaway immigration numbers. But dig deeper, and serious questions emerge about both quality and accuracy.🔍 Quality over quantity mattersFor decades, Canada’s immigration success was built on a transparent, merit-based points system that prioritized education, skills, and language ability — much like a top university admissions process.That system has quietly shifted.Today, category-based selection allows government discretion to override points, often prioritiz...
2025-12-2412 min
MandeepToor Podcast📊 2025 in Review: A Taxing Timeline for Canada 🇨🇦U.S. President Donald Trump’s on-again, off-again trade measures dominated headlines, rattled markets, reshaped Canada’s trade behaviour, and even influenced our federal election. From disrupted supply chains to cancelled U.S. trips and American booze left on shelves, the ripple effects were felt coast to coast.The silver lining? Thanks to the USMCA, most Canadian exports still crossed the border tariff-free.The concern? That agreement comes up for review next year — and Trump remains in the White House until at least 2029. Translation: more volatility likely ahead.Here’s a snapshot of the year that was...
2025-12-2413 min
MandeepToor PodcastPoliticians should be honest about environmental pros and cons of electric vehicles.Electric Vehicles: Let’s Talk Honestly About the Environmental Trade-Offs ⚡🚗Electric vehicles are often promoted as a silver bullet for climate change. We hear phrases like “zero-emission vehicles” and are told that switching to an EV is one of the most impactful choices Canadians can make for the environment. While there is truth in that message, this article makes an important point: the full picture is far more complex.EVs absolutely have real benefits. On the road, they produce no tailpipe emissions — no carbon dioxide, no nitrogen dioxide, no carbon monoxide. Cleaner air in our cities is a m...
2025-12-1810 min
MandeepToor PodcastCanada Shouldn’t Go Cashless — And This Article Explains Why?Yes, digital payments dominate daily transactions, but the reality beneath the surface tells a different story. Canadians may tap more, but they still trust cash. The amount of physical money in circulation is at a record high, emergency cash stashes are growing, and billions of dollars remain in wallets and homes across the country. That alone should pause any rush to phase it out.The concern raised here isn’t about innovation — it’s about resilience and inclusion. Proposed federal measures like banning large cash deposits and eliminating night drops don’t just target crime; they unintentionally squeeze...
2025-12-1816 min
MandeepToor Podcast📚 The Lost Art of Etymology — Was It Hidden on Purpose?Etymology — the study of where words come from — has quietly faded from mainstream education. And that’s not by accident.When you understand the true roots of words, you unlock clarity, context, and power. You see how language shapes society, beliefs, and even systems. But when that knowledge disappears, meanings become blurred… and people become easier to influence.Words like mortgage, education, government, policy — they all carry original meanings that reveal far more than what we hear today.Bringing back etymology means bringing back awareness.It means understanding the world with sharper eyes.It means a...
2025-12-0707 min
MandeepToor PodcastHCRA License Refusal Reminds Builders That “Unavoidable Delay” Is Not a Free Pass.The Home Construction Regulatory Authority (HCRA) has once again sent a strong message to developers and homebuyers across Ontario — “unavoidable delay” clauses are for real disruptions, not as a shield for financial mismanagement. Here’s what happened:The The Landing Development Group, behind a proposed 137-unit condominium in Barrie, had its licence renewal denied after HCRA’s investigation revealed the developer defaulted on construction loans and lost financing. Despite this, the builder kept purchaser deposits and claimed COVID-related “unavoidable delay” as justification for indefinite postponement. The Licence Appeal Tribunal (LAT) upheld HCRA’s decision — ruling that “unavoidable delay” does not allow indefinite d...
2025-12-0314 min
MandeepToor PodcastCRA Releases 2026 Tax Numbers: What Canadians Need to Know Before the New Year.The Canada Revenue Agency has officially released updated tax numbers for 2026, and these changes will influence everything from paycheques and retirement contributions to investment strategies and long-term financial planning. For homeowners, buyers, sellers, and investors, understanding these adjustments is key—especially in a market where every dollar matters.Below is a detailed breakdown of the biggest updates and how they may impact Canadians in the year ahead.Inflation Indexing: Set at 2% for 2026The CRA confirmed a 2% inflation index for 2026—slightly lower than last year’s 2.7%.Here’s what that means:* Federal tax brac...
2025-11-2911 min
MandeepToor Podcast**📉📈 Is Canada’s Housing Market Inflection Point Being Declared Too Soon?Canada’s housing market has entered one of its most important chapters in years. After a long stretch of rate shocks, labour-market uncertainty, population-policy shifts, and global trade risks, October’s CREA data arrived at a moment when households, investors, and policymakers are all looking for direction.And while some experts are calling this an “inflection point,” the real story is far more layered.📊 Sales Are Rising — But CautiouslyHome sales edged up 0.9% month-over-month, marking increases in six of the last seven months. Ordinarily, that’s unremarkable. In today’s climate—where labour markets are uneven...
2025-11-2110 min
MandeepToor PodcastWhat Hamlet Teaches Us About Indecision, Grief, and Action.William Shakespeare’s Hamlet is often called the greatest play ever written. But beyond its iconic soliloquies and tragic ending lies a treasure trove of psychological insights that are directly applicable to our lives centuries later.In my latest post, I move beyond the SparkNotes summary to explore the crucial lessons we can learn from the Prince of Denmark’s plight:* The Pitfalls of Perfectionism and Overanalysis: Hamlet’s famous inaction isn’t just laziness; it’s a profound case of “analysis paralysis.” We examine how this mirrors our own fear of making the wrong choice....
2025-11-1409 min
MandeepToor PodcastRealtor’s Guide to Radon Gas Awareness & Mitigation.Radon is often called the silent killer for a reason. It’s colourless, odourless, and the leading cause of lung cancer among Canadian non-smokers—yet many homeowners still have no idea it may be present in their homes.Across Canada, elevated radon levels are more common than most people realize. Because it forms naturally from the breakdown of uranium in the soil and bedrock, it can seep into homes through cracks, gaps, and openings in the foundation. Once inside, it can build up to unsafe levels—especially during winter months when our homes are sealed tight.As a...
2025-11-1411 min
MandeepToor PodcastThe Smartest Long-Term Investment You Can Make: Why Canadian Homeownership Still Reigns Supreme.According to the RE/MAX Housing Market Drivers Report, property values in major Canadian cities have surged by as much as 460% since 1994. That’s not just growth — that’s proof that real estate continues to be one of the most stable, rewarding, and smartest long-term investments Canadians can make.While today’s market may seem daunting, especially for first-time buyers, Canadians continue to view homeownership as both a lifestyle and a wealth-building vehicle. Many are even finding creative paths to ownership — from co-buying and rent-to-own options to investing in smaller starter properties.📈 A Proven Track Record for Gr...
2025-11-0710 min
MandeepToor Podcast🏡 The Importance of a Real Estate Lawyer – Protecting You Every Step of the Way ⚖️.Real estate is one of the most significant financial and emotional decisions you’ll ever make. From the moment you decide to buy or sell a home, you’re entering a process that involves dozens of moving parts — agents, lenders, inspectors, appraisers, and, importantly, lawyers.While most people understand the vital role a REALTOR® plays in finding or marketing a property, many underestimate the importance of having a skilled real estate lawyer by your side. In fact, in Canada, hiring one isn’t optional — it’s legally required to close a real estate transaction. But beyond meeting this requirem...
2025-11-0412 min
MandeepToor Podcasthttps://www.standagainstscams.ca This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit mandeeptoorrealtor.substack.com
2025-11-0201 min
MandeepToor Podcast🏡 First-Time Home Buyers Can Save Up to $130,000 on a New Home in Ontario! 💰As part of its 2025 Fall Economic Statement, the Ontario government has announced a major move to make homeownership more affordable. The province is proposing to rebate the full 8% provincial portion of the HST on new homes valued up to $1 million, exclusively for first-time home buyers.💵 What Does This Mean for Buyers?When combined with the federal government’s proposed 5% HST rebate, eligible first-time buyers could save up to $130,000 on the cost of a new home.That’s real money — and a real opportunity for families and individuals who’ve been waiting to enter the market...
2025-10-3010 min
MandeepToor PodcastBank of Canada Cuts Rate to 2.25% — But Signals the End of the Easing Cycle: What It Means for Real EstateToday’s announcement by the Bank of Canada marks a pivotal moment in our economic and real estate cycle. With the overnight rate lowered to 2.25%, the Bank has given households, investors, and businesses another dose of borrowing relief — but also hinted that this might be the final rate cut in this cycle.This dual message — relief now, caution later — will have deep and diverse impacts across Canada’s housing and investment markets.Let’s break down what this means.🔹 1. Affordability Relief — But Only TemporarilyThe immediate effect of a rate cut is psychological...
2025-10-2913 min
MandeepToor PodcastBuying or Selling First: The Real Estate Dilemma.Thinking of selling your home and buying another one? The big question every homeowner faces is:👉 “Should I sell my current home first, or buy my next home first?”The truth is — there’s no one-size-fits-all answer. It depends on your market, finances, and comfort with risk.🔹 In a Seller’s Market:Homes sell fast and often above asking price. It might make sense to sell first and take advantage of strong prices — but plan your next move carefully to avoid being between homes.🔹 In a Buyer’s Market:Inventory is higher, and buyers have more contro...
2025-10-2813 min
MandeepToor Podcast🎙️ AI Scams Are a Growing Threat to Landlords – Here’s How to Protect Your Clients By Mandeep Toor | OMAXE Real Estate Team @ RE/MAX ExcellenceThe rental market we operate in today is not the same as it was ten years ago.With the rise of generative AI, we’re seeing a new wave of rental scams that are more sophisticated, faster, and harder to detect than ever before.As Realtors and property professionals, our role has expanded — we’re no longer just connecting tenants and landlords; we’re risk managers, fraud detectors, and trust builders in an increasingly digital world.🔍 Why AI Has Changed the GameRecent data from SingleKey reveals that around 15% of tenant applications contain falsified d...
2025-10-2712 min
MandeepToor Podcast📉 Rising Mortgage Delinquencies in Canada – What It Means for You.According to CMHC, the national mortgage delinquency rate rose to 0.22% in Q2 2025, and economists expect this to climb as debt servicing costs increase. The hardest hit? 🏙️ Toronto condo owners who bought during the pandemic’s low-rate period.💡 Here’s the truth:Even if the system won’t “collapse,” the financial strain is real — higher living costs, slower economic growth, and mortgage renewals are pushing many families to rethink their housing plans.If your mortgage is coming up for renewal or you’re unsure how rising rates affect your buying or selling strategy, let’s talk. I can help you protect y...
2025-10-0810 min
MandeepToor Podcast📊 First-Time Buyers: Ready, But Waiting 🏡✅ 13% of Canadian adults plan to buy their first home within the next 2 years✅ 82% are aiming for 12–24 months, not immediately✅ 53% plan to put 20% or more down✅ 41% will rely on family or friends for financial support✅ Detached homes remain the top choice for 49% of buyersWith interest rates trending lower and prices softening, opportunities are opening up. But many are waiting to see how the market shifts before making a move.💡 If you’re a first-time buyer, the right strategy could help you get ahead of the crowd. Let’s talk about how to plan your purchase wisely!#OMAX...
2025-09-2614 min
MandeepToor PodcastCanada’s Immigration Shift & What It Means for Housing 🏡🇨🇦 . 📉 Q2 2025 saw just 47,000 new residents – a sharp decline from the record highs of recent years. 🏠 Economists warn this slowdown won’t immediately solve housing affordability; supply and infrastructure remain key challenges. 💡 The focus is shifting: from simply “welcoming more people” to balancing growth with housing, health care, and long-term sustainability. As real estate professionals, we’re watching this closely. Population growth drives demand, but the real solution to affordability lies in building more homes and addressing supply shortages. 👉 Do you think Canada should welcome more newcomers, or focus first on fixing housing and infrastruc...
2025-09-2511 min