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In Canada's urban centers, young adults under 40 face a bleak outlook for financial freedom at retirement. Homeownership, traditionally a pillar of wealth, is now a distant dream due to skyrocketing real estate prices. High interest rates inflate borrowing costs, diminishing the appeal of investing in rental properties as a secondary asset. The market's unpredictability means homes might not appreciate as before, challenging traditional investment strategies. Moreover, saving for a down payment is tougher with high living expenses and stagnant wages, while policies like mortgage stress tests make loan qualification harder, obstructing the path to property investment.
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