Learning centre
Toronto real estate, explained
Every guide on TORE.ca — written for Toronto and Ontario rules, with the real numbers. Pair them with the calculators under Resources & Tools.
Buying
First-time home buyer’s guide to Toronto
Budgeting, pre-approval, searching, offers, inspections and closing day.
Buying a condo in Toronto
Maintenance fees, status certificates, reserve funds, pre-construction vs resale.
How to read a condo status certificate
What the $100 document must disclose, the eight red flags, and why you never waive the condition blind.
Pre-construction vs resale condos
Deposits, occupancy fees, HST, assignments, delivery risk — and who each path actually suits in 2026.
Bully offers and bidding wars
Why Toronto lists low with an offer date, what a pre-emptive offer is, what TRESA changed, and how to compete without overpaying.
How buying works in Ontario: 8 steps
Pre-approval to keys — what happens, who does it, what it costs and how long each step takes.
Non-resident and newcomer buyers
The federal foreign-buyer ban (to 2027) and its exemptions, Ontario’s 25% NRST and the PR rebate, mortgages for newcomers, selling later.
Home inspections in Toronto
Cost, what is covered and excluded, Toronto housing-stock defects by era, pre-offer inspections, why inspectors are not licensed, reading the report.
Money & tax
Closing costs in Ontario: the complete breakdown
Land transfer tax (double in Toronto), legal, title insurance, adjustments, CMHC PST — with worked examples.
Toronto land transfer tax explained
Why Toronto buyers pay twice, the 2024 luxury tiers, the $8,475 first-time rebate, and a full price table.
FHSA + Home Buyers’ Plan: stacking both
Up to $100,000 per person of tax-sheltered down payment — the rules, the 2026 limits, and a Toronto condo example.
Property tax in the GTA by municipality
2026 rates for 17 cities (Markham 0.72% to Oshawa 1.58%), how MPAC assessment works, what a home pays in each, rebates and appeals.
Selling
How selling works in Ontario: 8 steps
Valuation and timing, the listing agreement, pricing strategy, offers, your lawyer, net proceeds, and what the CRA requires.
Downsizing and estate sales
Principal-residence rules, probate and the Estate Administration Tax, the executor’s steps, tenanted property, pricing an original house, the next home.
Selling your home in Toronto
Pricing, preparation, marketing, offers and closing.
Reference
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