This is Patrick’s bio
A 47-year-old accountant in Mississauga closed on a $650,000 new-build townhouse in 2024 and walked away with $24,000 in combined tax savings she didn't realize existed until her mortgage broker mapped it out. She'd maxed her FHSA at $40,000, assumed
A 27-year-old accountant in Brampton just closed on a $580,000 townhouse and walked away with $28,475 in combined rebates she didn't know existed six months ago. The FHSA gets most of the headlines, but the real leverage for first-time buyers in Ontario right
You're closing on a Vaughan pre-construction condo in eight months, and you've already maxed your FHSA at $40,000. That money is spoken for. The question now is whether you're leaving another $30,000 on the table by not stacking the three other
The 11-storey building at 1478 Kingston Road in Birch Cliff is finished. The exterior is clad. The elevators run. Most of the 121 units have drywall, fixtures, and flooring. But in mid-2024, the Ontario Superior Court appointed Teneo Restructuring Inc. as receiver for The Manderley, a project by
Regina posted a 16% gain in the last three months while Windsor dropped 12%. Both numbers matter less than what they tell you about where the market has actually moved. The quarterly price swing data from Q1 2026 shows seven Canadian cities crossing the 10% threshold in either direction. Four
The Manderley sits at 1478 Kingston Road in Birch Cliff, two blocks from the Toronto Hunt Club, eleven storeys tall, 121 units, finished. Residents live there now. KSV Restructuring Inc., the court-appointed receiver, manages what's left to sell. The building didn't collapse mid-construction. The
Precision Drilling Corp. hit a debt reduction target of $400 million this month, nine months ahead of the 2027 deadline it set when oil was $60 a barrel. The company announced the milestone in a Q2 earnings preview, and the stock climbed from $68 to $91 in the span of
CREA's second 2026 downgrade: why the June sales bump didn't change the forecast The spring selling season brought 41,000 transactions across Canadian MLS systems in June. That represented a 3.2% increase over May and the strongest single month since February. Within 48 hours, the
EQB Inc. shares climbed 9% in a single session after Loblaw Companies signaled it would push its ownership stake to roughly 25%. The market read it as validation: a sophisticated buyer sees value others missed. That's the retail story. The banking story is messier and far more revealing.
The University of Toronto's business school is betting that advisors with a decade of client meetings under their belt learn differently than someone fresh out of undergrad. Rotman School of Management launched a new CFP education track in partnership with FP Canada, built specifically for professionals already working
Loblaw's move to 25% of EQB is a mortgage story, not a grocery story EQB Inc. shares jumped 9% Wednesday after Loblaw announced it would push its ownership stake close to 25%. That movement says more about where mortgage origination profits are sitting than it does about grocers
Unemployment sat at 6.5% in June, the same range it's occupied since late 2024, even as GDP estimates for the second quarter climbed to 2.5%. The Bank of Canada left its overnight rate untouched at 2.25% on July 15, citing those early signs of momentum