Real Estate

Ron Butler of Butler Mortgages examines the wave of Canadian mortgage renewals resetting from pandemic-era lows to much higher rates. Listeners learn why planning a renewal well ahead matters, what shopping beyond the lender's first offer involves, and how term decisions change in a higher-rate environment.

Aaron Hector of CWB Wealth breaks down the First Home Savings Account, Canada's newest registered account. The episode covers the annual and lifetime contribution limits, the combination of deductible contributions and tax-free qualifying withdrawals, and the eligibility fine print that is widely misunderstood at launch.

Real estate lawyer Vic Gasparitsch raises concerns about Ontario's new personal real estate corporations. The episode explains what a PREC can and cannot do, how splitting income between agent and corporation creates accounting problems, and how simple the setup process currently is.

Riccardo Di Donato of Redberry Restaurants talks commercial real estate for business owners. The episode looks at why a lawyer's review of leasing contracts matters, how leasehold improvements can factor into rent negotiations, and what a continuous operating covenant can mean for tenants.