Exploring ADUs in Ontario’s Changing Real Estate Landscape

Josh Perez • November 4, 2024

Josh Perez here! Ontario’s real estate scene is evolving, with Accessory Dwelling Units (ADUs) creating new, exciting possibilities. For small-scale investors, ADUs are a powerful tool for property optimization, whether it’s converting a single-family home into a duplex or even a triplex. This shift reflects Ontario’s changing zoning and bylaw policies, which are now more supportive of higher density, enabling property owners to achieve that coveted “highest and best use” of their space.

"There's been no time that's better than now in all municipalities of Ontario to obtain the highest and best use because the cities, the city halls, the municipalities are so friendly towards it now. Zoning and bylaw regulations allow for this expansion density within the lot lines."

When discussing ADUs, I often think of two key groups. First, we have the investors, from acquisition-minded individuals to those with existing single or multi-unit properties. They’re actively looking to maximize property value, and with municipalities increasingly friendly toward density expansion, it’s never been easier to go from two units to three. There’s a palpable excitement among investors now, as Ontario’s regulatory environment has aligned perfectly to support these opportunities.



But it’s not just investors benefiting from ADUs. We’re also seeing many families, especially those looking for multi-generational living solutions. With economic shifts, rising interest rates, and affordability challenges, more families are embracing this European-inspired “multi-gen” model. Imagine grandparents, parents, and grandkids living on the same property, each with their own space, yet close enough to foster family connection. Building an ADU, like a backyard garden suite, offers privacy with the comfort of proximity. It’s practical and affordable, providing families with more options and even “built-in babysitters,” as we like to say!


The flexibility and affordability ADUs offer can make a real difference for both investors and families looking for innovative housing solutions. Interested in learning more about what ADUs could do for your property or family? I’d love to help you explore the possibilities and map out how to make the most of Ontario’s evolving ADU landscape. Let’s work together to unlock the full potential of your property!


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By Josh Perez February 18, 2026
When you’re buying a home, two terms often cause confusion: deposit and down payment . While they’re related, they serve very different purposes in the homebuying process. Here’s what you need to know. What Is a Deposit? A deposit is the money you provide when you make an offer on a property. Think of it as a show of good faith that proves you’re serious about purchasing. How it works : Typically, you provide a certified cheque or bank draft that your real estate brokerage holds in trust. If your offer is accepted, the deposit remains in trust until the deal moves forward. If negotiations fall through, the deposit is refunded. Connection to your down payment : Once the sale is finalized, your deposit becomes part of your total down payment. Why it matters : The amount is negotiable, but a larger deposit can make your offer more attractive in a competitive market. Keep in mind, however, that if you back out after conditions are removed, you risk losing your deposit. What Is a Down Payment? Your down payment is the amount you contribute toward the purchase price of your home when securing a mortgage. Minimum requirement : In Canada, the minimum down payment is 5% of the home’s purchase price. Anything less than 20% requires mortgage default insurance. Sources : Down payments can come from your savings, the sale of another property, RRSP withdrawals (through the Home Buyers’ Plan), a gift from family, or even borrowed funds. Example: How They Work Together Imagine you’re buying a $400,000 home with a 10% down payment ($40,000). When you make your offer, you provide a $10,000 deposit . Once conditions are met, that deposit is transferred to your lawyer’s trust account. At closing, you add the remaining $30,000 to complete your full down payment. The lender provides the rest—$360,000—through your mortgage. The Bottom Line Your deposit shows commitment and secures your offer, while your down payment is what makes the mortgage possible. Together, they work hand in hand to get you into your new home. 📞 If you’d like clarity on deposits, down payments, or any other part of the mortgage process, let’s connect. I’d be happy to walk you through it step by step.
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By Josh Perez February 15, 2026
Discover why a 5% down payment isn’t always irresponsible. Learn when a low down payment is a smart financial move for Ontario homebuyers and when it’s a risk.