Daniel Vyner @DanielVyner

Principal of a Toronto-based mortgage firm with a careful eye on the Canadian real estate market. danielvyner.com Toronto | ON & BC Joined February 2022

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Daniel Vyner @DanielVyner

a day ago

If you’re a homeowner approached by a ‘cash-buyer,’ consider also speaking with a: •Realtor (opinion of value) •Mortgage broker (financing options) •Family/trusted contact •Real estate lawyer Understand your options - the facts, pros/cons, risks & costs.

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Daniel Vyner @DanielVyner

a week ago

My Views on the Current Residential Private Mortgage Market. linkedin.com/posts/danielvy…

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Daniel Vyner @DanielVyner

a week ago

Has homeownership, at any price point, become a 'status symbol' or a 'luxury' for millennials and, really, anyone buying nowadays? Has it become a distant or even unattainable reality for most Canadians? Or at the very least, is it getting close to this?

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Daniel Vyner @DanielVyner

a week ago

Was Canada’s pre-construction housing market primarily driven by speculation on price appreciation, or did buyers genuinely value or require the concept of purchasing real estate futures? Regardless of end-use, were people buying homes or paper?

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Daniel Vyner @DanielVyner

2 weeks ago

For qualified homebuyers sitting on the sidelines specifically due to interest rates, what rate change will move the needle for you to buy a home? 0.25% ? 0.50% ? 0.75% ? /hōm/ noun - the place where one lives permanently, especially as a member of a family or household.

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Daniel Vyner @DanielVyner

2 weeks ago

Markets fluctuate - the relationships you develop and sustain in rough times can become your strongest assets in better times.

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Daniel Vyner @DanielVyner

2 weeks ago

Are Canadian home prices the root cause and magnifier of all other issues: •Interest Rates •Mortgage Payments •Down Payment Requirements •Closing Costs (Land Transfer Tax) •Income Levels •Cost of Living If homes were less costly, are the above issues less of an issue?

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Daniel Vyner @DanielVyner

2 weeks ago

How many real estate owners have maintained ownership due to value appreciation and equity takeout refinancing, who otherwise wouldn’t have been able to hold as long as they did/have/will? Interest rates aside (related), what about the impact of a continued non-rising market?

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Daniel Vyner @DanielVyner

2 weeks ago

Yes, condos are volatile right now, especially micro (rental-focused) & high-end units. For those able to hold (leasing or living in until moving), regardless of today's market values, are downtown Toronto/Vancouver condos viable long-term holds (students, renters, immigration)?

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Daniel Vyner @DanielVyner

2 weeks ago

If you are renting and your rent payment is similar to the mortgage payment you could qualify for on a similar home (granted, there are extra homeownership expenses) - would you make the jump? Similarly, would you jump from homeownership to renting? Yes? No? Why?

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Daniel Vyner @DanielVyner

2 weeks ago

Fair ask. However, it suggests Canadians can simply 'choose' - many can’t. No single opinion captures the reality of the current Canadian real estate market; generations are questioning whether homeownership will ever be an option.

CP24 @CP24

2 weeks ago

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Daniel Vyner @DanielVyner

2 weeks ago

In your opinion, what’s the minimum annual gross household income needed in Canada to cover just the basics - live, sleep, eat, dress & commute -comfortably (not well or extravagantly)? Single? Couple? Family with children, how many? Is it $50K, $100K, $250K, $500K, $1M+?

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Daniel Vyner @DanielVyner

3 weeks ago

Distress is subjective and relative. How many distress cases are out there? More and less than what meets the eye. Behind principal residences and rental properties are owners who: •Can't make payments, must sell •Can make payments, want to sell •Can make payments, will hold

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Daniel Vyner @DanielVyner

3 weeks ago

While still relatively rare, more mortgage clients at/near the top income tax bracket are choosing or considering reducing their income, if able (i.e. contract work) - "the extra time & tax burden aren’t worth it". Yes, a privilege, but still a sad reality of effort vs. reward.

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Daniel Vyner @DanielVyner

a month ago

When is the best time to buy or sell a home? If/when someone wants, can or needs to buy or sell a home.

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Daniel Vyner @DanielVyner

a month ago

#LightsUpLetsGo vs #FountainsUp

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Daniel Vyner @DanielVyner

a month ago

In the first 5 months of '25, monthly insolvency filings exceeded the pre-pandemic monthly average of 10,634 filings (May 2016 to December 2019). Year to date, there have been 57,875 filings - 7.6% higher than the pre-pandemic 5-month average of 53,784. @CAIRP_ACPIR

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Daniel Vyner @DanielVyner

a month ago

Many live holding for relief on prime-based mortgage & line of credit payments, while others have, are trying, or will need to sell. Homeowners & investors who entered the market or normalized prime at lower levels and can’t pay down or handle current levels remain tested.

Bank of Canada @bankofcanada

a month ago

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Daniel Vyner @DanielVyner

a month ago

🇨🇦What happens if- Interest rates bottom Household income can't support cost of living Real estate speculation (buy, flip/assign) pauses End-users (entry, upsize/downsize) are the main players Home-equity ATMs stay unplugged Real estate appreciation tapers Development stagnates