I was sitting down with a young professional in Toronto last week. She’s been renting for years, saving diligently, and she’s finally ready to buy. But she looked at me and said, "Greg, I know there are programs out there. I just have no idea what’s still available and what’s changed."
I was on the phone with a young couple from Ottawa the other day. They’re renting, they’re saving, and they’re ready to buy—but they kept coming back to the same question: "Greg, how much do we actually need to put down? And where can it come from?"
I got a call a while back from a man named Raj. He’d just landed in Toronto from India with a work permit, a job in tech, and a dream of buying a home for his family. But every time he talked to a bank, he hit the same wall: "You don't have a Canadian credit score. Come back in two years."
I had a call a few months ago from a client—let’s call her Lisa. She’d separated from her partner months ago, moved out, and thought signing off the title meant she was done. Then she tried to apply for a new mortgage for a small townhouse.
I had coffee last week with a buddy of mine—let’s call him Dave. He’s a skilled tradesperson who left a good job with a company in Mississauga to start his own renovation business. Business is booming. He’s got a packed schedule, great clients, and more work than he can handle.
I work with a lot of people who want to buy in 2026. Some of them will. Most of them won't — and it won't be because of the market. It'll be because they never built the structure to get there. Here's what I keep seeing.
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