Buyer resources
Work out the real number before you sign.
The starting price is the least interesting figure in a pre-construction purchase. Deposits, the HST rebate, closing adjustments and the years of carrying cost decide what it actually costs you. These are the tools and guides I use with clients — all free, none of them asking for your email.
Calculators
Deposit scheduleMap every deposit against your own cash flow and see what each date actually costs you.HST rebateWhat the new-housing rebate gives back, and the case where an investor does not get it.Land transfer taxDue on closing, with the first-time buyer rebate worked in.Mortgage & carrying costThe whole monthly number: mortgage, taxes, fees — not just the principal and interest.Pre-construction vs resaleBoth paths over the same years, with the break-even worked out honestly.
Guides
Freehold vs POTL vs condominiumThe question most townhome buyers get wrong — and the one that changes your monthly cost for as long as you own it.What I ask every sales officeThe six questions, why three of them cost real money, and how each project is scored against them.The resale alternativeWhen buying something that already exists, and fixing it, is simply the better deal.Buying a house that needs workWhat a place could become, and what that really takes — from someone who built them.
Still the fastest route: ask.
Send me the project and the plan you are looking at. You will get the price basis, the deposit schedule, the assignment terms, and a straight answer on what nobody has confirmed yet.
Ask about a project