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With real estate prices in Ontario staying high in 2025, more buyers are looking for creative ways to enter the housing market. One increasingly popular approach is co-ownership—buying property with family members, friends, or investment partners. Whether it’s siblings purchasing a duplex together, parents co-signing on a mortgage for their child, or two friends splitting […]

When buying or selling a home in Ontario, most people focus on the big picture: purchase price, mortgage approval, and the closing date. But one important tool that’s often used to resolve last-minute issues, especially in new builds or properties with incomplete work, is the holdback clause. A holdback is a portion of the sale […]