Author: Aaron Moore

The short answer: most real estate agents do not buy your home. They find a buyer for you and charge a commission for doing it. A small number of agents in Ontario also operate as investors and will purchase properties directly, but this creates legal obligations they must meet. The term ‘real estate agent who … Continued

The most important thing to know about foreclosure in Ontario is that the province does not technically use foreclosure. The legal process here is called power of sale, which is different in one critical way: you keep any equity above the mortgage debt and sale costs when the lender sells the property. That distinction matters, … Continued

Walk into almost any real estate brokerage in Ontario and you will see some version of a guaranteed sale promise. It sounds simple: list with us, and if we cannot sell your home, we will buy it. For sellers who are stressed about whether their home will sell, this sounds like a solution. It can … Continued

High condo maintenance fees do not just reduce buyer enthusiasm, they can make a unit impossible to finance through conventional channels. When fees reach a level that pushes a buyer’s total housing costs past a lender’s debt service thresholds, the mortgage is refused regardless of the buyer’s income or credit. The result is a smaller … Continued

Yes. No law in Ontario requires a home inspection before a property can be sold. The decision to conduct, commission, or waive a home inspection is a negotiation choice made between buyer and seller, not a legal requirement. Whether to proceed without an inspection and what that means for your obligations as a seller in … Continued

Selling your home as-is in Ontario means putting it on the market or selling it directly in its current condition, with no repairs, upgrades, or improvements before closing. Most conversations about this topic focus on the financial trade-off: you give up some sale price in exchange for avoiding repair costs. That is part of the … Continued

Selling a house in poor condition in Ontario is possible and in many cases faster than sellers expect. Whether the property has structural issues, years of deferred maintenance, fire or water damage, or is simply too dated to compete on the open market, you have three realistic options. This guide covers what each path looks … Continued

Financial hardship takes many forms for Ontario homeowners: missed mortgage payments, property tax arrears, overwhelming personal debt, job loss, or carrying costs that have become impossible to sustain. Selling the home is often the right financial decision, but timing and method matter. The options available to you depend heavily on how much time you have … Continued

The short answer: 2026 is a challenging year for traditional listings in Ontario, but it is not a bad time to sell if you understand what the data actually says. Ontario home prices in May 2026 averaged $756,900, down 5.5% from a year earlier. The market is in buyer’s territory. For sellers who need to … Continued

Accepting a cash offer on your Ontario home is the beginning of a short, straightforward process. Many sellers accept an offer without fully understanding what happens next, what documents are involved, or how quickly they will actually receive their funds. This guide walks through every step from the signed agreement to the closing day, so … Continued

Property tax arrears on an Ontario home do not prevent a sale, but they do affect how the sale proceeds are distributed at closing, and they create a specific and time-sensitive risk if left unresolved. Homeowners who have fallen behind on property taxes in Ontario face the possibility of a municipal tax sale if arrears … Continued

Power of sale is the legal process Ontario mortgage lenders use to recover debt when a borrower defaults. It is not the same as foreclosure, which is rare in Ontario. Under power of sale, the lender sells the property on the open market to recover the outstanding balance, and the homeowner keeps any equity remaining … Continued

Selling a house as-is in Ontario means selling in current condition with no repairs, no upgrades, and no staging before closing. Most homeowners assume this means accepting a heavy discount. The honest answer is more complicated. Whether selling as-is costs you money or saves you money depends on what the repairs would actually cost, how … Continued

Selling a rental property in Ontario is legal at any time. The complication is that the tenant’s rights under the Residential Tenancies Act travel with the property. The sale does not dissolve the tenancy, and the new owner generally cannot remove the tenant simply because they now own the building. Understanding exactly what the rules … Continued

Selling without a realtor in Ontario is legal, increasingly common, and in the right situation, financially sound. In 2026, Ontario home sellers have three realistic paths to a completed sale without a traditional full-service agent. The right choice depends on how much time you have, what condition the property is in, and how you weigh … Continued