DERRICK Guides
Understand the market before you move.
No hot takes, no market-timing predictions — just the rules, numbers, and processes that actually decide what you can buy or net from a sale.
First-Time Buyer Guide: Toronto & the GTA
Down payments, deposits, closing costs, and the rebates first-time buyers actually get in Toronto — explained in plain language.
The Mortgage Stress Test, Explained
Why you qualify at a higher rate than you'll pay: Canada's minimum qualifying rate, who it applies to, and what it does to your budget.
Toronto's Double Land Transfer Tax
Buying in Toronto means paying land transfer tax twice — provincial and municipal. The brackets, the first-time-buyer rebates, and a worked example.
Rent-to-Own: How It Actually Works
Option fees, monthly credits, and the buy-back — how rent-to-own programs work in Ontario and who they genuinely help.