AURA LLP

Had to visit at Bay & Queen today for some banking. Decide to take a walk over over to and see what was going on. Also saw some familiar places from my early days in Law.

STOP paying your builder rent. 🛑

​So you just got the keys to your brand-new condo... but you don't actually own it yet? Welcome to the "Interim Occupancy" phase.

​It feels like paying rent, but it’s actually a set of fees that cover:
1️⃣ Interest on your purchase price
2️⃣ Estimated property taxes
3️⃣ Your share of common expenses
​The catch? None of this goes toward your mortgage. 💸

​Don’t get caught off guard by closing costs and occupancy fees. Let’s get you prepared.

​🔗 Click the link in my bio to book a consultation with Aura LLP.

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What’s hiding in your agreement? 📄🧐

Agreements can be a maze of legalese that most people just skim. 🛑 That’s a mistake that could cost you thousands.
​A professional review isn't just about "understanding" the words—it's about realizing what changes can actually be made to benefit YOU.
​Don't wait until it's too late to realize you could have negotiated a better deal.

Tag someone who is about to sign a new contract! 👇

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The 10-Day Rule every Ontario condo buyer NEEDS to know. 🏛️✨
​The "Cooling Off" period under the Condominium Act is your ultimate safety net. It starts the moment you receive your fully signed agreement and disclosure statement.

​Within these 10 days, you have the legal right to:
✅ Back out for any reason
✅ Get 100% of your deposit back
✅ Have a lawyer scrutinize the fine print

​Knowledge is power—and in real estate, it’s also a lot of money. Once Day 11 hits, you are legally bound. 🔒
​Don't let the clock run out on your investment. DM us at Aura LLP to get your agreement reviewed by our expert team before it’s too late! ⏳⚖️
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The 2026 closing crisis is officially here. 🚨
​If you bought pre-con in 2021 or 2022 and you’re closing this month, you might be facing a massive Appraisal Gap. Lenders are only funding based on today’s value, not what you signed for 4 years ago.
​The Reality Check:
💰 Most GTA units are appraising 20–30% BELOW their 2022 price.
🏦 If your $900k condo appraises for $700k, you have to find that $200k difference in CASH.
​What are your options?
1️⃣ Bridge with private capital.
2️⃣ Find a co-signer ASAP.
3️⃣ Negotiate a vendor take-back with the builder.
​Don't panic—plan. Comment "GAP" and I’ll send you the 6 ways my clients are closing these gaps right now. 🏠👇

​ HomeBuyingTips2026 RealEstateCrisis MortgageRatesCanada ClosingDay OntarioHousing HousingMarketUpdate FirstTimeHomeBuyerOntario RealEstateInvesting CondoMarket

The Ontario housing game just changed. 🏡✨
​As of April 1, 2026, the provincial government has officially removed the FULL 13% HST for eligible new home builds up to $1M. That is a massive $130,000 in savings back in your pocket.
​Here’s the breakdown:
✅ The "Everyone" Rebate: If you sign an agreement between April 1, 2026, and March 31, 2027, you could qualify (even if you aren't a first-time buyer!).
✅ The FTHB Bonus: First-time buyers, your expansion is retroactive to March 2025!
✅ The Cap: Full rebate up to $1M, with partial rebates up to $1.85M.
​Don’t leave $130k on the table. Tag someone who is house hunting! 👇

​ NewBuildOntario HousingAffordability GTARealEstate HomeBuyingTips2026 OntarioBudget RealEstateHack OttawaRealEstate MovingToOntario TaxRebate