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 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."
Most people who've been through a consumer proposal assume homeownership is off the table. It's not. It's just on a different timeline — and that timeline is shorter than most people think, if you build the right structure around it.
I was talking to a client the other day—let’s call her Sarah. She runs a successful marketing consultancy here in the GTA. Great business, great clients, growing every year. But when she sat down to think about buying a place, she looked at me and said: "Greg, my finances don't look like someone with a pay stub. Can I really get a mortgage? Will I actually qualify?"
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 was talking to a buddy of mine—a broker in the GTA—a few days before Christmas. He was telling me about trying to organize a pick-up hockey game with a group of friends from high school. He laughed and said, "Dude, I’m so freaking happy that one actually made it out of the group chat." I laughed too—but it stuck with me.
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