Finance, credits in Ontario

In March 2026, a federal judge in San Francisco did something no court had ever done before: she ruled on whether an AI agent, acting with a customer's explicit permission and using that customer's own password, is allowed to shop on a website that doesn't want it there. The website was Amazon. The agent belonged to Perplexity, the AI search company whose Comet browser lets people say "buy me this" and walk away. Amazon won. The ruling sounds like a narrow, technical dispute about browser fingerprinting and terms of service. It is actually the opening skirmish in a fight that will determine who really controls commerce for the next decade - and the honest answer, for the first time in retail history, might not be a company or a person, but a piece of software neither the buyer nor the seller fully owns.

There is a good chance a particular catalog has sat on your desk, in your break room, or on a warehouse shelf at some point in your life - nearly 900 pages thick, printed twice a year, selling everything from cardboard boxes to industrial shelving. Almost nobody who has flipped through it could name the family that owns the company behind it. That's not an accident. Some of the largest private fortunes in North America were built entirely on the least glamorous businesses imaginable - packaging, wholesale distribution, industrial supply - by people who treated invisibility not as a side effect of success, but as the actual strategy.

In the technology world, we tend to celebrate inventors: the new chip, the new platform, the new device that supposedly makes tomorrow unimaginable without it. But the real maturity of an industry begins not where brilliant products are created, but where someone figures out how to build a great business on top of everyone elses complexity. That is precisely what World Wide Technology has done. A private company from St. Louis, Missouri, it manufactures no phones, no servers, no microchips - and has grown into a global technology solutions provider with annual revenue exceeding 20 billion.

Today, a new point of attraction is emerging on the map of Punta Cana - one that may significantly reshape the region’s landscape in the coming years. We are talking about Coral Golf Resort, a large-scale territory that is still at the very earliest stage of development. And that means this is precisely the moment when the foundation is being laid for the future growth in real estate values in this location.

With the current economic uncertainty, a weak job market, and rising gas and grocery prices driven by conflicts and wars in various parts of the world, more and more Canadians find themselves at a crossroads, worried about their financial future. We're increasingly receiving inquiries about the possibility of temporarily pausing mortgage payments or refinancing an existing mortgage to lower monthly payments.

When choosing a mortgage, many borrowers become so focused on the interest rate that they negotiate over every tenth of a percentage point while barely reading the conditions that could cost them far more. In Canada, this is especially important: life often changes faster than a five-year mortgage term ends. People move because of family, work, schools, neighbourhoods, housing size or expenses. And at the moment of moving, they may suddenly discover that the “best” mortgage can become a trap if it cannot be conveniently transferred to a new property.

Sosúa is becoming one of the most interesting destinations on the north coast of the Dominican Republic - not only for vacations, but also for real estate purchases. It offers what many North American buyers are looking for: a warm climate year-round, proximity to the ocean, developed infrastructure, an international community and prices that still look attractive compared with more heavily promoted resort markets. Most importantly, Sosúa is no longer just a small resort town. In recent years, it has grown noticeably, become more convenient for daily life and is increasingly considered a place for winter stays, relocation, family vacations and investment.

Samana Bayport is not simply a new cruise port. For the Samaná Peninsula, it is an infrastructure project that can change the entire investment map of the region. Where there was once one of the most beautiful yet undervalued corners of the Dominican Republic, a new point of attraction is forming for tourists, businesses and real estate buyers. These are the most interesting moments in a market: when the potential is already visible, the infrastructure is already being launched, but prices have not yet fully reflected the scale of future change.

What if everything we were told about interest rates and the real estate market in 2025 turns out to be wrong?

The category of self-employed borrowers has been growing steadily lately, as more and more Canadians try their hand at working for themselves, and new technology makes it easier for small businesses to run all kinds of operations. That said, when reviewing a mortgage application for a home purchase, banks tend to treat these clients with a great deal of caution, and we're increasingly hearing from self-employed clients who've either been turned down by their own bank, or been approved for a mortgage amount that falls far short of what they actually need.

The Dominican Republic is undergoing a remarkable transformation. A country that many people once saw primarily as a beach vacation destination is rapidly becoming one of the most dynamic centres of growth in the Caribbean. Spaniards, Argentinians, Venezuelans, Colombians, Canadians, Americans and citizens of dozens of other countries are moving here — increasingly not just as tourists, but as residents, investors and entrepreneurs choosing the Dominican Republic for long-term living, work and business.

According to the 2026 Housing Market Outlook from RE/MAX Canada, home sales are expected to increase by 3.4% next year. The report notes that this comes amid signs of renewed buyer interest in the fall compared with the first half of the year. In 32 of the 38 markets analyzed by RE/MAX between January 1 and October 31, 2025, home sales declined year over year. At the same time, the number of listings increased - in Ontario alone, the growth reached as much as 21 percent - contributing to a decline in average prices in 2025.

The Bank of Canada cut its key interest rate to 2.25% on October 29, continuing the rate-cutting cycle that began in June 2024. Today, we want to go back to basics and explain how interest rates actually work, and what to pay attention to in every Bank of Canada announcement. Here's what lower interest rates mean for you, for small businesses, and for the Canadian economy.

The Dominican Republic is changing rapidly today. A country that, until recently, was seen mainly as a paradise destination for tourists is transforming into a dynamically developing economic and investment hub in the Caribbean region.

On Wednesday, September 17, the Bank of Canada finally cut its key interest rate by 25 basis points to 2.50%, after holding it steady all summer long.

The Canadian Real Estate Association (CREA) reports that home sales rose 6.6% in July compared to a year ago, continuing the upward trend following the market slowdown seen in previous months. In all, 45,973 homes changed hands last month, compared to 43,122 in July 2024.

On Wednesday, July 30, the Bank of Canada held its key interest rate at 2.75%, citing ongoing uncertainty around tariffs and the outcome of trade negotiations between Canada and the US. The rate has now remained unchanged since March. Alongside the rate announcement, the Bank published its latest Monetary Policy Report, noting that "amid heightened uncertainty around US trade policy, the outlook for the Canadian economy remains clouded."

In more than 20 years in the Canadian mortgage business, we have never seen as many programs, tax benefits, and incentives for first-time homebuyers as we have today. Real estate prices — especially in the condominium market, which is often the entry point for first-time buyers — have declined over the past year and a half, while the number of available listings has increased. This gives first-time buyers the opportunity to calmly choose the right condo or house, negotiate, allow enough time for mortgage approval, complete the transaction without unnecessary stress, and move into their first home. Let us briefly review the key advantages and benefits currently available to first-time homebuyers in Canada, and in Ontario in particular.

The growing divide among consumers amid economic uncertainty is becoming increasingly clear, as the number of missed payments has risen compared to last year, according to a new Equifax report.

The Dominican Republic is now living through a moment that may become a turning point for its economy, infrastructure and real estate market. A country still perceived by many primarily as a beach destination is rapidly becoming a regional centre for tourism, logistics, manufacturing, energy and international investment. For real estate buyers, this matters enormously: when new manufacturing, air connections, infrastructure projects, jobs and stricter labour-market rules arrive at the same time, the cost of land, construction and finished properties almost always changes.

Not long ago, real estate in the Dominican Republic was, for many North American buyers, mainly a vacation dream: palm trees, ocean, warm winters and an apartment to visit a few times a year. Today, the picture has become much more serious. The Dominican Republic is turning into one of the most visible resort real estate markets in the Caribbean, supported by growing tourism, new development projects, improving infrastructure, strong short-term rental demand and increasing interest from Canadians, Americans and Europeans.

The Greater Toronto real estate market is clearly coming back to life. Over the past couple of weeks, we've started getting a large number of calls from prospective buyers. And it's not just the so-called "end users" waking up - people buying for themselves - we're also starting to hear from investors looking to buy property for investment purposes. Over the past two years, investors reaching out to us in Toronto have mostly been asking about refinancing, or asking whether it's even possible to sell a property that's turned into a money-losing one.

Mortgage renewal is not a formality and not just a signature on the letter your bank sends you. For many Canadian homeowners, it is one of the most important financial moments in the entire period of owning a property. This is the point at which you may save thousands of dollars, improve the terms of your loan, reconsider amortization, consolidate debts - or, on the contrary, make an expensive mistake by automatically accepting the first offer.

We have been selling real estate in the Dominican Republic for several years now. Just a couple of years ago, most of our clients who purchased property on the eastern coast of the Dominican Republic were buying primarily for investment purposes.

Some of our clients need financing when purchasing real estate in the Dominican Republic, so in this article I would like to explain in detail how real estate financing works in the country.

Demand for real estate in the Dominican Republic is breaking every record - every project that comes to market sells out almost instantly, and prices are climbing before our eyes. In this piece, I want to walk you through how to buy property here, how much money you'll need, what financing options are available, and how much short-term rental income you can expect as a property owner during the time you're not using it yourself.

The Bank of Canada's latest moves to cut interest rates could spur a pickup in buyer activity in the real estate market, experts note, though some buyers may still be waiting for the year's final rate decision.

The post-pandemic downturn in the Ontario real estate market has seriously affected a lot of people's lives, but every downturn comes with both drawbacks and opportunities. I want to talk about who stands to benefit from the situation as it stands today. The downturn is clearly winding down: mortgages are already available at 4% annually, and rates keep falling. Over the next year, the Ontario real estate market is going to change significantly. And right now, in what will be a very short window, a unique opportunity has opened up for anyone without their own home to finally get their first property.

It's no secret that at today's lending rates, renting works out cheaper than buying with a mortgage, since the loan payment, maintenance, and annual taxes on a purchased unit all end up costing more than renting a comparable one. How long will that last? Might it actually be more advantageous to just keep renting, and not buy at all? Let's take a closer look at whether that's really the case.

Right now, there's an interesting standoff playing out in the real estate market - rates are coming down, sellers are listing their properties, prices are essentially holding steady, and buyers, despite pent-up demand and a genuine need to buy, keep waiting for rates and/or prices to fall even further.

Calgary real estate is breaking every record. On average over 2023, Calgary real estate appreciated 15%, and since most of our projects are condos and townhouses, those specific property types appreciated 19% and 20% respectively. So, unlike Toronto, 2023 was an excellent year for Calgary real estate, and of course for those who took our advice about this promising market. Now, after a relatively quiet January, buyers are back on the market, and it looks like this February will once again break every sales record, though I don't think that'll last long. The traditionally hot spring months are still ahead, and everyone's expecting lending rates to come down soon. So Calgary real estate is set to break more than a few records this year.

The Bank of Canada held its rate steady on January 24 for a fourth consecutive meeting, and for the first time stated directly that it won't need to raise rates again if the economy continues developing in line with its forecasts.

Amid challenges tied to rising interest rates and inflation, many Canadians are experiencing financial strain and worrying about their ability to keep up with mortgage payments. In fact, a recent Angus Reid survey found that four in five homeowners with a mortgage say they are either concerned (40%) or very concerned (39%) about facing higher payments when it comes time to renew their mortgage.

Most current and prospective property owners in Canada are asking the same question today: has the rise in mortgage rates finally stopped, and when will the right moment come to buy or sell real estate?

Financial debt is like a toothache - it must be treated immediately, says independent consultant Sergey, who calls himself the Debt Doctor - A Debt Doctor. Most importantly, he is ready to help people even in the most desperate situations.

Mortgage interest rates have risen significantly and continue to put pressure on Canadian households. The logical question we have to answer every day is: when will rates stop rising and begin to come down?

Many readers who follow my publications already know that, since the beginning of this year, we have been specializing not only in real estate investment opportunities in Toronto and Calgary, but also in Caribbean real estate. On our YouTube channel (@newgtacondos), in the Caribbean playlist, you can already watch a series of videos about Caribbean properties that may be of interest both to buyers looking for a vacation home and to investors.

We are increasingly seeing homeowners over the age of 55 who have nearly paid off the mortgage on their property, yet have not managed to save enough for a comfortable retirement. Selling their homes today is not always the best solution, especially given the changes in the real estate market and the rapidly rising cost of rent.

Real estate investors today are asking serious questions. The market has changed: high interest rates, cautious banks, expensive mortgages, more demanding tenants and very different dynamics from one city to another mean that every investment must be calculated much more carefully than a few years ago. That is why a strong investment project must answer several questions at once: where is it located, who is building it, how realistic is the entry price, is there rental demand, how is the deposit structured, who will manage the property, and is there a clear exit strategy?

Sergey, you call yourself A Debt Doctor. Is this a kind of financial emergency service?