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Nearly 20% of Canadians would delay retirement savings to afford a home, though this can harm long-term growth and increase taxes. First-time buyers can use two federal programs: the FHSA, allowing tax-deductible contributions up to $40,000, and the HBP, permitting tax-free RRSP withdrawals up to $60,000 repayable over 15 years. Buyers should prioritize FHSA contributions, maintain employer RRSP matches, and consider market conditions before pausing retirement savings.

Most Canadians believe there is no perfect time to buy a home, emphasizing readiness and financial fit over market timing. Economic uncertainty makes many cautious, but understanding borrowing power through mortgage pre-approval and consulting a mortgage advisor is key. Ongoing financial planning, including considering mortgage payments alongside other expenses, is crucial. Mortgage protection insurance can provide financial resilience against death, disability, or critical illness.

Santafest Parade brings a festive community event to Vaughan on 2026-11-29. The parade features floats, marching bands, walking groups and mascots, creating an opportunity to enjoy local colour and community spirit.

The parade starts at Springside Road and Melville Avenue. It travels north on Melville and then east on Major Mackenzie Drive before ending at Vaughan City Hall, located at 2141 Major Mackenzie Dr, Vaughan.

Admission is free, and Vaughan City Hall provides the event’s finishing point. For people exploring neighbourhoods in the Regional Municipality of York, Ontario, local events can be a useful way to get to know the places where they may be considering a move.

If you are buying or selling in the Regional Municipality of York, Ontario, message me to talk about your plans and how local neighbourhood knowledge can support your next step.

Buying a home requires smart financial planning, including understanding mortgage rates, which impact monthly payments and affordability. Locking in a low rate can save money over time. Working with a mortgage broker helps navigate lending options and secure favorable terms. Setting a clear budget that includes all costs and saving for a larger down payment can reduce loan expenses. Exploring various loan types and assistance programs can also aid in financing a home purchase.

Paying cash for a home avoids mortgage interest and lender fees, offers faster closing, and may attract sellers. However, mortgages provide financial flexibility, potential tax deductions, and allow cash to be invested, possibly yielding higher returns. Mortgages can also offer creditor protection via homestead exemptions. Cash purchases simplify buying but require sufficient liquidity. Weigh pros and cons based on personal finances and market conditions.

Real estate agents earn commissions, typically around 5.7%, based on the home's sale price, usually paid by the seller but often factored into the listing price, indirectly costing the buyer. Commissions are split between brokers and agents and are negotiable. Flat-fee or discount agents offer lower costs but may provide limited services. Closing costs vary, with buyers and sellers paying different fees depending on the transaction.

ATTENTION OPTOMETRISTS & OPTICAL ENTREPRENEURS! RARE OPPORTUNITY – TURNKEY OPTICAL BUSINESS. Listed as one of the Top 3 Opticians in Whitby by ThreeBestRated in 2026. An exceptional opportunity to own a thriving, fully turnkey optical business in the highly desirable Brooklin Town Centre Plaza! Situated in a high-visibility, high-traffic retail location, this well-established business features a stunning designer showroom with modern display cases showcasing an extensive selection of premium frames, lenses, and accessories.The business includes a fully equipped examination room and on-site optical laboratory, both featuring state-of-the-art equipment. Benefit from an established and loyal client and patient base, offering an excellent opportunity for continued growth and success. PRIME LOCATION! Surrounded by major retailers, including Tim Hortons, FreshCo, LCBO, Dollarama, Pet Valu, Scotiabank, Sunset Grill, A&W, Pizza Nova, Subway, Osmow's, The Beer Store, and many more! This bustling retail plaza offers exceptional exposure, strong customer traffic, and ample parking.An outstanding opportunity for an optometrist, optician, or entrepreneur looking to acquire an established, fully operational optical business in a thriving community. Don't miss out! (id:26452)