Current Mortgage Rates: “A” Lending Rates: Fixed 3.89% (insured) | 3.99% (conventional) Variable 3.60% (insured) | 3.85% (conventional) Rental 4.74% (fixed) | 4.45% (variable) …
Insurance Program: Payments for Commissions
RECO’s insurer handling the iPro event, has indicating that commissions will start being paid effective 17 December 2025. They state on 15 December 2025: “For clarity, as of today’s date, …
When an Assignment Is Truly “Complete”:
Eo v. Chen, 2025 ONSC 6977 and the Risk of Builder Failure A recent Ontario Superior Court decision, Eo v. Chen, provides important guidance on assignment agreements for pre-construction properties …
What Does “Within X Days” Mean in an Agreement of Purchase and Sale?
Timing disputes are among the most common and costly issues in Ontario real estate transactions. A frequent question is deceptively simple: If a contract says something must be done “within …
Income Support Before Age 65: The Allowance and the Allowance for the Survivor
Many Canadians assume that federal senior benefits begin at age 65. While that is generally true for Old Age Security (OAS), there are two lesser-known programs that provide important income …
Commercial Indicators – 12 December 2025
Commercial Bond Yields CMB5 Year – 3.25%CANHOU 06/15/31[+0.02%] 10 Year – 3.72%*Est. CANHOU 03/15/36[+0.03%] Floating Rate insured cost of funds 2.73%[-] Prime Rate 4.45%[-] GoC2 Year – 2.75%CAN 09/01/28[+0.01%] 3 Year – 2.90%CAN 09/01/29[+0.02%] 5 Year – …
Understanding Canada’s Old Age Security (OAS)
OAS Canada’s retirement income system is built on three pillars: the Canada Pension Plan (CPP), personal savings, and the Old Age Security (OAS) program. While CPP is based on work …
Elderly and Susceptibility to Abuse
If you have a client who is a “senior” be concerned about them. Here are some general concerns or red flags regarding an older adults in terms of incapacity, vulnerability …
Corporate-Owned Life Insurance: A Powerful Tax Strategy for Business Owners
Corporate-owned life insurance (COLI) has evolved into one of the most tax-efficient planning tools available to Canadian business owners, incorporated professionals, and private corporations. While advertisements often summarize the concept …
Mortgage Rates – 5 December 2025
Current Mortgage Rates: “A” Lending Rates: Fixed 3.79% (insured) | 3.89% (conventional) Variable 3.60% (insured) | 3.85% (conventional) Rental 4.64% (fixed) | 4.30% (variable) …