The Canadian Real Estate Investor

“Real estate always goes up.” “Renting is throwing money away.” “You need 20% down.” Nick and Dan take ten myths Canadians repeat at the dinner table and check each one against 2026 data. Most of them used to be true. They held up in the falling rate, rising price world that ended in 2022, and now they’re expired truths that keep costing people money. They cover why renting beats owning in most major markets, the national benchmark sitting 21% below its 2022 peak, the collapse of GTA preconstruction, and why four out of five Toronto condo investors lose money every month. They also get into the myths around fixed vs. variable rates, the foreign buyer ban, the Bank of Mom and Dad, and trying to time the market. The takeaway: run the numbers on the deal you’re actually looking at. Montreal Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF’s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal.BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. “BMO (M-bar roundel symbol)” is a registered trademark of Bank of Montreal, used underlicence.  See omnystudio.com/listener for privacy information.

Death and divorce move more Canadian real estate than any rate change. Nick and Daniel break down what happens to the house when a couple splits or a parent passes: who really owns the matrimonial home, how buyouts get financed, the tax CRA charges at death, why putting a kid on title can backfire, and how to handle an inherited property with siblings. They finish with practical checklists so your family has a plan instead of a panic. Montreal Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREE Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF’s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal.BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. “BMO (M-bar roundel symbol)” is a registered trademark of Bank of Montreal, used underlicence.  See omnystudio.com/listener for privacy information.

On September 23, StatCan revised its population count and added 301,008 people. Two of the three "decline" quarters became growth. Most of the people it found were temporary residents still in the country on pending permit extensions. Nick and Dan explain how the old count missed them, what changed in the method, and whether this weakens the bear case for housing. Growth is still the slowest since 1915, rents are soft, and more departures are likely coming. The revision changes why the numbers looked the way they did, not the market we've been living in. Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF’s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal.BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. “BMO (M-bar roundel symbol)” is a registered trademark of Bank of Montreal, used underlicence.See omnystudio.com/listener for privacy information.

Mississauga and Oakville just froze new data centres. Saskatchewan rolled out the red carpet for a Bell campus near Regina worth over $50 billion. Nick and Daniel break down what these buildings are, why each province is handling them so differently, and why two out of three Canadians don't want one near their home. They take on the viral water claims and explain how the money works: tenants reserve power and pay whether they use it or not. Then they each say whether they'd invest. Plus the October 27 date that could decide whether the GTA fringe becomes a market or stays frozen. Asset Allocation ETFs | BMO Global Asset Management This podcast Ad Read is intended for information purposes only. The information provided herein does not constitute a solicitation of an offer to buy, or an offer to sell securities nor should the information be relied upon as investment, tax, or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance. Past performance is no guarantee of future results. The viewpoints expressed by the speaker represent their assessment of the markets at the time of recording . Those views are subject to change without notice at any time. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF’s prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed by BMO Asset Management Inc., an investment fund manager, a portfolio manager, and a separate legal entity from Bank of Montreal.BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. “BMO (M-bar roundel symbol)” is a registered trademark of Bank of Montreal, used underlicence.See omnystudio.com/listener for privacy information.

CREA August is out and every province sold fewer homes than a year ago. Oil topped $108, which pushes fixed mortgage rates up. Carney's summit pledges and the new Mega Deduction won't lower anyone's mortgage. Sales are stuck and buyers are gaining leverage, so watch your local numbers, not the national average. Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.

GET TICKETS TO CANADA'S #1 MULTIPLEX EVENT: https://realist.ca/community/events/unpacking-multiplexes-toronto  Most Canadians think their home is an investment. And honestly, the data says they are not crazy. Homeowners are dramatically wealthier than renters. In Canada, StatCan showed homeowner net worth rising from about $324,000 in 1999 to about $685,000 in 2019, while renter net worth went from about $15,000 to $24,000. CMHC research says homeowners are roughly seven times wealthier than renters, and their homes represent about half of their net wealth. So yes, homeownership has created an enormous amount of household wealth. But Robert Kiyosaki also had a point when he said your house is not an asset if it takes money out of your pocket every month. Because a primary residence can make you rich on paper while making you cash-flow poor in real life. That is the episode today. Is your home actually an investment, or is it a liability with good branding?  See omnystudio.com/listener for privacy information.

Brandon Sage of  Landlord Property Management joins us to discuss everything you need to know about owning and managing property and tenants. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.

Multiplex starts just passed tower starts in Toronto for the first time. Condos have stalled, and the big builders aren't structured to build on tight low-rise sites, while most GCs can't properly analyze them. That gap is the whole opportunity. We are joined by the founders of Reside Properties  Ryan & Mattison, a Toronto developer with an unusual stack: years as a general contractor, time as MPAC counsel working with planners on highest-and-best-use, and a legal background in development. They build it, they know how the city values the land, and they know where the traps are. Zero vacancy across the portfolio. We get into the product thesis; custom-home-quality condo alternatives with dedicated entrances, separate utilities, and real millwork, and why that holds up when the market turns. Then we spend the bulk of the episode on the five ways these deals blow up: The contractor who wins on price and makes it back in extras Timeline slippage: financing, utility connections, trades, inspections Fantasy rents that kill your refinance Building the wrong units for the micro-market One zoning misstep that turns $30K in DCs into $200K Plus how Reside partners with landowners, and why the hard part has permanently shifted from approvals to execution. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.