Is Real Estate in Ontario Still Affordable? Here's the Truth.

Josh Perez • February 8, 2026

If you're between 25 and 40, you've probably said it. You've definitely thought it.


"Real estate in Ontario is just too expensive."


It's a feeling that's easy to understand. Prices are high, competition is fierce, and it can feel like the dream of homeownership is slipping away.


But here's the truth:


That feeling, while real, is often based on a misconception.


I've helped over a thousand people across Ontario who felt the exact same way, and today, many of them are homeowners and real estate investors. They didn't get lucky. They got a strategy.


That's why I created the Free Ontario Homebuyer Strategy Plan.


This isn't some basic consultation. It's a fully personalized strategy built around your income, your financial picture, and your goals. It's a clear roadmap to show you what's possible.


Here's what you'll get inside:


What's Included in the Free Ontario Homebuyer Strategy Plan

1. A Full Breakdown of What You Can Realistically Afford

Forget the online calculators and guesswork. We'll give you a real, concrete number based on your unique financial situation. This is the solid foundation you need to move forward with confidence.

2. A Clear Plan to Increase That Number

Don't like your initial number? That's okay. We'll show you the exact steps you can take to increase your affordability, whether it's through credit improvements, debt management, or savings strategies.

3. A Personal Strategy for Buying, Upgrading, or Selling

Everyone's journey is different. Whether you're a first-time buyer, looking to move up, or planning to sell, we'll build a strategy tailored to your specific goals and the current market conditions.

4. A Timeline That Shows How This Becomes Possible

This isn't a vague, far-off dream. We'll lay out a clear timeline that shows you the path from where you are today to where you want to be, step by step.

5. A Long-Term Roadmap to Build Wealth

This is about more than just one transaction. We'll help you create a long-term roadmap that moves you toward the future you thought you lost, using real estate as a tool to build lasting wealth.



Stop Guessing. Start Building.

If you've ever felt that real estate is slipping away from you, it's time to get a real plan.


For more on this, you can watch my video on this topic here: https://youtube.com/shorts/R0stp72KqV4?si=dYHxjyoCnYGymGB1


Ready to get started? I offer completely free consultations to walk you through this framework.

No pressure. No sales pitch. Just clarity.


Schedule a call


Let's give you the confidence to move forward—instead of guessing.


"You might feel priced out, but you're not planned out. A personalized strategy makes all the difference." — Josh Perez


Josh Perez
GET STARTED
Large stone house with a front porch and garage, set on a green lawn with autumn trees at sunset

Commercial Property Loans in Ontario: Why Your Bank Might Be the Wrong Choice

By Josh Perez • August 7, 2026
Buying commercial property in Ontario? Learn why your bank's limited options could cost you thousands and how a broker unlocks better rates and 95% LTV loans.

Monthly vs. Biweekly Mortgage Payments: Which Is Better?

By Josh Perez • August 5, 2026
How Mortgage Payment Frequency Affects What You Pay Over Time You’ve probably heard the saying that there are two certainties in life: death and taxes. When it comes to your mortgage, there’s really just one certainty—you’ll repay what you borrow, plus interest. What is flexible, though, is how often you make your mortgage payments. And that choice can have a meaningful impact on how quickly you pay down your mortgage and how much interest you pay over time. The Six Mortgage Payment Frequencies Most lenders offer the following payment options: Monthly – 12 payments per year Semi-monthly – 24 payments per year Bi-weekly – 26 payments per year Weekly – 52 payments per year Accelerated bi-weekly – 26 payments per year Accelerated weekly – 52 payments per year Standard Payment Frequencies The first four options are designed to align with how you get paid. For example: Paid monthly? Monthly mortgage payments may make sense. Paid every two weeks? Bi-weekly payments can align nicely with your cash flow. With these standard options, regardless of how often you pay, the total amount paid over the year is the same —it’s simply divided into more frequent payments. What Makes “Accelerated” Payments Different Accelerated payments work differently—and this is where the real savings happen. With accelerated bi-weekly or accelerated weekly payments, you’re paying a slightly higher amount each time. That extra money goes directly toward reducing your mortgage principal, which lowers the interest you’ll pay over the life of the mortgage. A Simple Example Let’s assume a $1,000 monthly mortgage payment: Monthly: $1,000 once per month = $12,000 per year Semi-monthly: $500 twice per month = $12,000 per year Bi-weekly: $1,000 × 12 ÷ 26 = $461.54 every two weeks = $12,000 per year Accelerated bi-weekly: $1,000 ÷ 2 = $500 every two weeks = $13,000 per year With accelerated bi-weekly payments, you effectively make two extra payments per year without having to think about it. Those extra payments reduce your principal faster, which lowers interest costs over time. Accelerated weekly payments work the same way—you just make smaller payments more frequently. Why This Matters Long Term While it’s difficult to calculate exact savings due to variables like interest rates, terms, and amortization changes, maintaining an accelerated payment schedule over the life of your mortgage can reduce your amortization by up to three years and save a significant amount of interest. The Bottom Line Accelerated payments are a simple, automatic way to lower your overall cost of borrowing—without needing to make lump-sum payments or drastically change your budget. If you’d like to see how different payment frequencies would impact your mortgage specifically, feel free to reach out anytime. I’d be happy to walk through the numbers with you and help you choose the option that fits your goals.