Mindblown: a blog about philosophy.
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Happy Holidays | MrHunter.ca
The middle of winter has long been a time of celebration around the world. Many peoples rejoiced during the winter solstice, when the worst of the winter was behind them, and they could look forward to longer days and extended hours of sunlight.Popular modern customs include gift-giving and the display of various holiday decorations.Here's wishing…
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Why 2026 Might Finally Favour Toronto Buyers | MrHunter.ca
Slide 1: Toronto prices may drop 3.5% in 2026 while sales jump five percent. Slide 2: The market shifts toward a buyer-leaning balance boosted by lower rates and affordability gains. Slide 3: Detached homes stay hottest as families chase space, privacy, and long-term value. Slide 4: First-time buyers target $750K, while others stretch to $2M…
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Fourteen strategies to get the mortgage monkey off your back faster
Paying off a mortgage quickly can save significant money. Strategies include making higher repayments, opting for fortnightly payments, consolidating debts, and using home equity. Switching to a lender with a lower rate can also reduce costs. Sacrificing minor luxuries and staying informed about market changes can help. Paying upfront fees and the first installment early…
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Will Toronto See Housing Recovery in 2026? | MrHunter.ca
Toronto condo prices are forecasted to soften further in 2026, especially small investor-focused units. Condos without parking will remain difficult to sell through 2026. Moderate price growth expected in suburban condos as buyers prioritize transportation and space. Millennials in their 30s-40s continue driving demand despite affordability constraints. Overall market recovery will be gradual, supported by…
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How To Increase Your Odds Of Securing A Mortgage When Self-Employed
Getting a mortgage as a self-employed individual is challenging due to income variability and stricter lender rules. To improve approval chances, increase your down payment to lower loan-to-value ratio, maintain a strong financial cushion, reduce existing debt to improve debt-to-income ratio, boost your credit score, and establish at least two years of positive business cash…
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Preparing to get a mortgage
Before applying for a mortgage, check your credit report for errors and ensure a good credit score to avoid denial or co-signing requirements. Lenders assess your income, expenses, debts, and credit to calculate your gross debt service (GDS) ratio, which should not exceed 39%, and total debt service (TDS) ratio, which should stay below 44%.…
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Slow Toronto Housing Recovery Fuels Cautious Buyers | MrHunter.ca
Toronto home prices fell 7.2% year-over-year, yet first-time buyers remain hesitant. Condo market struggles continue, with buyers facing losses and uncertainty at closing. Average payments remain high despite rate cuts, stressing $60k–$90k earners. Economic volatility and trade war worries keep first-time buyers on the sidelines. Market experts say condo recovery may take years before confidence…
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Everyone’s Stuck in Toronto… but You Might Still Snag a Deal | MrHunter.ca
Everyone else stuck in Toronto — buyers suddenly hold unexpected negotiating power right now. Inventory exploded to 21,241 units — that’s a record 23.5-month supply; builders are pausing. Sellers lowering asking prices; MLS HPI slipped about 5% year-over-year. Weird split: condo prices up ~2.5% while single-family values dropped ~7.4% Practical moves: low offers, inspections, builder…
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How To Save On Mortgage Breakage Fees
Breaking a mortgage early can incur significant penalties, typically either three months' interest or Interest Rate Differential (IRD) fees. Reasons for breaking a mortgage include financial changes, lower interest rates, job relocations, or personal circumstances like divorce. To minimize penalties, consider a variable or short-term fixed rate mortgage, prepaying when possible, and shopping around for…
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Toronto Dominates Canada’s Luxury Home Sales | MrHunter.ca
Slide 1 Toronto luxury homes still steal the spotlight despite broader market slowdown. Slide 2 Most high-end sales happen right in the heart of Toronto city. Slide 3 14 of 22 top GTA luxury-selling neighborhoods are inside Toronto proper. Slide 4 Eight neighborhoods saw more $3M+ luxury sales compared to last year. Slide 5 Luxury…
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