Fara Ghafari, 88 West Realty
Fara Ghafari is a licensed real estate agent as well as a REALTOR® in CREA and an expert in rental and for-sale properties at 88 West Realty.
Fara Ghafari is a licensed real estate agent as well as a REALTOR® in CREA and an expert in rental and for-sale properties at 88 West Realty.
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What are the penalties for breaking a variable mortgage versus a fixed one?
Breaking a mortgage results in a prepayment penalty, which differs for fixed and variable mortgages. Variable-rate mortgage penalties are usually three months' interest, while fixed-rate penalties involve a more complex interest rate differential calculation. To reduce penalties, consider options like porting your mortgage, waiting until the term ends, maximizing prepayments, and comparing market rates. Always […]
Canada Housing Rebound Cautiously Begins 2026
Slide 1 📊 Canada’s housing market enters measured adjustment, with regional supply, interest rates, and economy influencing trends. Slide 2 🏘️ 2025 expected to end with 467,000 home resales, below pre-pandemic averages. Slide 3 📈 RBC predicts a rebound to roughly 504,000 transactions in 2026. Slide 4 💰 Prices may rise 0.7% nationally. Slide 5 […]
New legislation to ensure prompt payment in B.C.’s construction industry
British Columbia is introducing prompt-payment legislation for the construction sector to ensure contractors, subcontractors, and workers are paid fairly and on time. The law sets clear payment timelines, establishes a fast-track dispute resolution process, and aims to improve cash flow and stability. It applies to both private and public projects, supporting smoother project progress and […]
Canada’s Condo Price Snapshot 2025
New condo prices nationally edged down 0.2% in Q2 2025 but are 0.6% higher than the same quarter last year. Prices remain 1.1% below the 2022 peak but are up 33.3% since early 2017, showing significant long-term growth. Markets vary widely: Montréal, Ottawa, and Edmonton near or at record highs, while Toronto, Vancouver, and Victoria […]