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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Canada’s Housing Market Gaining Momentum Into Fall
Promising Start: The fall season shows early signs of recovery, with certain regions experiencing modest gains as buyers return cautiously. Regional Strengths: Cities like Winnipeg, Regina, and Toronto are seeing renewed activity, while other markets adjust steadily, reflecting balanced growth. Buyer Opportunities: Higher inventory in Ontario, B.C., and Alberta provides more options and stronger negotiating […]
How To Save On Mortgage Breakage Fees
Breaking a mortgage early can incur significant penalties, typically either three months' interest or Interest Rate Differential (IRD) fees. Reasons for breaking a mortgage include financial changes, lower interest rates, job relocations, or personal circumstances like divorce. To minimize penalties, consider a variable or short-term fixed rate mortgage, prepaying when possible, and shopping around for […]
How Canadian Housing Beats Economic Headwinds
Slide 1 Canada’s economy struggled in 2025, but housing surprisingly stood out as a bright spot. Slide 2 🏠 Housing investment surged thanks to Bank of Canada rate cuts and purpose-built rental support. Slide 3 📊 TD Economics raised its 2025 housing growth outlook, despite cost pressures and regional disparities. Slide 4 ⚒️ Canada must […]
Your Complete Guide to Mortgage Basis Points
Basis points (BPS) are a key measurement in mortgage interest rates, representing 1/100th of a percentage point (0.01%). They help clarify small rate changes, which can significantly impact mortgage payments. For instance, a 25 basis point increase on a $300,000 mortgage can raise monthly payments by $42.94. Basis points are crucial for understanding shifts in […]