Sepehr Safaee

Sepehr Safaee



(613) 769-9302
(613) 829-1818
Email Me

Sepehr Safaee



(613) 769-9302
(613) 829-1818
Email Me

Sepehr Safaee's blog

Unlocking Selling Secrets: The Surprising Things You Shouldn’t Fix When Selling Your House

If you’re gearing up to sell your house, you might be pondering whether to spruce it up or sell it as is. It’s a common conundrum. While it’s crucial to fix major issues like faulty foundations or a failing heating system, it’s equally important to know which improvements aren’t worth your time or money.

In the bustling Canadian housing market, the decision to renovate or not can significantly impact how quickly you sell your property and at what price. But beware of over-improvement. Contrary to popular belief, not every repair or upgrade will add value to your home. In fact, some...

Understanding the Influence of Credit Scores on Mortgage Approvals

Credit scores play a crucial role in the world of finance, particularly when it comes to securing a mortgage. In Canada, a good credit score can be the key to unlocking your dream of homeownership. Errors in your credit report can have a negative impact on your score, making it all the more important to regularly review and correct any inaccuracies.

When it comes to mortgages, lenders often rely on your credit score to gauge your financial reliability. Most lenders require a minimum credit score of 620, though this varies depending on the lender and the type of mortgage. Your credit...

74% of Canadians nervous about mortgage renewal impact: Royal LePage

Since March of last year, the Bank of Canada has raised interest rates an unprecedented nine times. Not only that, but the rates themselves have swung from historic lows to a 20-year high. Resulting monthly expenses have been just too steep for many mortgage holders.

To get a read on Canadians’ sentiments overall, Royal LePage commissioned a survey. It found that “74% of mortgagees with lending agreements set to renew within the next 18 months report feeling concerned about higher interest rates”.

As a result, many Canadians are looking to cut costs, including by considering a...

Liberals GST Freeze Hailed By the Development Industry



The federal government unveiled a plan to eliminate GST on purpose-built rental construction until 2030—a move it hopes will spur new units across the rapidly growing country.

“With provinces like Ontario and Newfoundland and Labrador following our lead by eliminating provincial taxes on new rentals, we’ll get more rental housing built faster and encourage new builds to break ground,” Deputy Prime Minister and Finance Minister Chrystia Freeland said.

The GST freeze expires Dec. 31, 2030, and will apply for developments completed exactly five years to the day.


What Are The Best Upgrades to Increase the Sale Value of a Home?


As the leaves change colour and start to fall from the trees, what used to be the glistening of morning dew is now turning to frost.

The warm weather has come to an end, which means it’s time to prepare your garden for the onset of colder weather..and frost! But what do you really have to do, and when? Here, we highlight the 10 most common mistakes people make when closing down their gardens and what you can do to ensure your garden is ready to thrive come spring.



Mother Nature doesn’t allow leaves to fall from trees each year for no reason....

Canadian rental market showing signs of slowing down

While most major markets in Canada reported rent increases in September, a potential sign of a slowdown is emerging, particularly in Toronto. 

The latest National Rent Report by and Urbanation reveals that the Canadian rental market has continued its upward trajectory. Average asking rents across the country have seen a month-over-month increase of 1.5 per cent, reaching an average of $2,149. This marks an 11 per cent year-over-year growth, representing a nine-month high in the annual rate of rent inflation.


Toronto, the country’s largest rental market,...

What Are Your Options When You’ve Invested in Pre-Construction?

Navigating the complex landscape of real estate investment can be challenging, but one strategy consistently proves to be a game-changer: investing in pre-construction properties. 

This approach, which involves securing a property before its completion, offers a unique set of benefits that can yield impressive returns. With the potential to purchase properties at today's prices for tomorrow's market, investors can anticipate an average increase of 5% per year in property value.   

When we look at a purchase price of $750,000.00, a 5% annual increase in property value would equal...

The Pros and Cons of Investing in Commercial vs Residential Properties

Choosing between commercial and residential properties can be a complex decision for real estate investors. Here are the key pros and cons of each:

Commercial Properties:

  • Higher potential income due to longer lease agreements.
  • Stable income stream due to the nature of commercial leases.
  • Tenants often bear costs like property taxes and maintenance, reducing the investor's expenses.


  • Requires a larger initial investment.
  • More sensitive to economic conditions, with the potential for higher vacancy rates and income loss during downturns.

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Weighing the Pros and Cons of DIY Upgrades to Your Investment Property

Investment properties can be a lucrative venture, but often require upgrades to maximize returns. While professional services are commonly used, many owners consider do-it-yourself (DIY) upgrades as a cost-effective alternative. However, is DIY always the best choice? 


Pros of DIY Upgrades

  • Cost Savings: The primary advantage of DIY upgrades is potential cost savings. By eliminating labor costs, your renovation budget can stretch further, enabling more or higher-quality upgrades.
  • Personal Satisfaction: DIY projects can offer a sense of accomplishment. If you enjoy...
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