Mindblown: a blog about philosophy.
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Could This Dip Be Toronto’s Homebuying Opportunity? | MrHunter.ca
November sales ↓ 15.8% YoY to 5,010 units Avg. price still > $1M, but ↓ 6.4% YoY New listings ↓ 4%, active inventory ↑ 16.8% Condo sales ↓ 21.7% across GTA; all property types down Strong jobs data may revive optimism, but market recovery needs clearer long-term certainty.
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How to Pay Off Your Mortgage Faster | Proven Strategies
Paying off a mortgage early reduces interest costs and loan term. Key strategies include securing a low rate, making extra payments, understanding prepayment limits, prioritizing emergency savings and high-interest debt, and considering refinancing or recasting. Automating payments aids consistency. Continue to full article
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Five Questions To Ask Before You Refinance Your Mortgage
Refinancing a mortgage involves replacing an existing loan with a new one, often to secure a lower interest rate, shorten the loan term, or access home equity. Key considerations include motivation, length of stay, interest rate changes, available equity, and closing costs. The process requires financial documentation, home appraisal, and closing paperwork. Benefits include potential…
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Will Toronto Housing Market Rebound in 2026? | MrHunter.ca
Toronto’s high inventory will keep downward pressure on prices into early 2026. Buyer leverage in Toronto will likely increase as listings stay elevated. Toronto sales momentum is projected to grow slowly but steadily. Toronto affordability challenges will likely persist despite falling prices. Toronto’s recovery will remain fragile but strengthen by mid-2026.
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Happy New Year! | MrHunter.ca
A new year arrives with fresh goals, bold ideas, and the momentum to turn today’s plans into tomorrow’s lasting success. 2026 begins with opportunity ahead, inviting smarter decisions, renewed focus, and confidence to shape what comes next. Happy New Year 2026, a time to celebrate progress, embrace change, and move forward with optimism, purpose, and…
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How to Pick the Right Lender When Refinancing a Mortgage
Choosing the right lender for refinancing can save money on fees and interest. Options include banks, credit unions, finance companies, and online lenders. Loan officers and mortgage brokers differ in roles and compensation, so research is key. Compare loan terms, interest rates, fees, and services using disclosures like TILA and closing documents. Good service and…
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Is Toronto’s Rental Power Shifting? | MrHunter.ca
Toronto’s cooling condo market is giving renters more leverage. Many landlords now offer rent reductions to retain reliable tenants. Condo prices have fallen, increasing rental supply across the city. Active condo listings have doubled since 2022, boosting tenant power. Lower demand and higher supply are reshaping Toronto’s rental dynamics.
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Guidelines For Getting A Mortgage With Student Loans
You can qualify for a mortgage with student loan debt if your debt-to-income (DTI) ratio meets lender requirements, typically not exceeding 43%. Some loans, like physician mortgages or those with co-signers, may exclude student loans from DTI. Options to improve approval chances include income-driven repayment plans, adding co-borrowers, and exploring low down payment loans. Different…
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How to get ready for closing when buying a home
Closing on a home transfers ownership from seller to buyer, involving signing documents, paying closing costs, and receiving keys. Key steps include organizing documents, reviewing loan and seller disclosures, checking the closing disclosure, and securing homeowners insurance. Prepare funds early for closing costs, lock in your mortgage rate, transfer funds securely, and do a final…
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Toronto Home Prices Remain Stable Amid Market Adjustment
Toronto home sales hit a five-month low in November, dropping 0.6% to 5,620 units, with prices declining 0.4% to C$971,100. Yearly sales fell 15.8%, and prices dropped 5.8%. Economic uncertainty and cautious buyers contributed to the decline, despite recent interest rate cuts by the Bank of Canada aimed at supporting the economy. Employment confidence remains…
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