Bindu Johal, Mortgage Broker

Commercial mortgage brokers are seeing strong demand as borrowers seek alternatives to tighter bank lending conditions.
Brokers are helping clients access alternative financing for acquisitions and refinancing.
Demand for flexible loan structures continues growing across commercial real estate sectors.
Private capital is becoming a key funding source for complex transactions.

Could Private Lending Dominate Commercial Mortgages in 2026?

For Toronto first-time buyers, the account can still offer tax-deductible contributions and tax-free withdrawals when savings go toward an eventual home purchase.
Annual contributions are capped at $8K, with a $40K lifetime limit and a 15 yr window before closure is required for account holders.
Even when Toronto down-payment needs exceed the account limit, an expert says higher local incomes can make deductions more valuable for contributors.
The 15 yr timeline can fit Toronto buyers following a longer savings plan, and unused funds may roll into retirement savings without immediate taxation.
Opening earlier can start contribution room; contributors should automate affordable deposits, align investments with purchase timing, and seek tailored financial or mortgage advice.