Mark Savel | TorontoLivings - Toronto Real Estate

Dec 19

Bloomsbury Academy & Fitzrovia: Redefining School Care for Residents

By Mark Savel Purpose Built Rentals

In Toronto’s purpose-built rental market, amenities have evolved well beyond gyms and lounges. Today, the most compelling rental communities are designed around real life — especially for families.

That’s where the collaboration between Bloomsbury Academy and Fitzrovia stands out. At Sloane by Fitzrovia, early childhood education isn’t nearby or convenient. It’s built directly into the living experience.

A New Standard for Family-Focused Rental Living

Fitzrovia has consistently positioned its buildings for long-term renters — people who want stability, quality, and flexibility without rushing into ownership. The integration of Bloomsbury Academy reflects that philosophy in a very practical way.

Instead of treating childcare as something residents must solve on their own, Fitzrovia brings it into the building itself. For families, that shift changes everything from morning routines to long-term housing decisions.

Who Is Bloomsbury Academy?

Bloomsbury Academy is a licensed early childhood education provider offering programs for children from 18 months to 6 years old. Their approach is Montessori-inspired, focusing on independence, creativity, and social development within thoughtfully designed learning environments.

Rather than operating as standalone locations, Bloomsbury partners with residential developers to integrate education into rental communities. The result is a seamless experience for families — fewer commutes, less scheduling stress, and more consistency for children.

Why Fitzrovia Built Education Into Their Rentals

Fitzrovia is one of Canada’s leading purpose-built rental developers, known for communities that prioritize livability over short-term turnover. Their projects are designed for renters who plan to stay — including growing families.

At Sloane, that vision shows up through:

Larger, functional suite layouts
Family-friendly shared amenities
And now, on-site early education through Bloomsbury Academy

It’s a recognition that many renters today are balancing careers, childcare, and long-term planning — all while navigating Toronto’s competitive housing market.

Inside Sloane: Where Home and School Connect

Located near Yorkdale Shopping Centre with quick access to Highway 401 and transit, Sloane by Fitzrovia is one of Toronto’s most prominent purpose-built rental communities.

For residents with young children, the presence of Bloomsbury Academy means:

School drop-off without a commute
Easier pickups after work
Less reliance on cars or transit
Greater peace of mind during the day

For children, it creates a sense of continuity — learning, socializing, and growing within the same community they call home.

Why This Matters in Toronto’s Rental Market

Toronto families know how challenging it can be to secure quality childcare — waitlists are long, locations are scattered, and schedules are often unforgiving.

By integrating Bloomsbury Academy directly into Sloane, Fitzrovia addresses one of the biggest friction points for urban families. It also signals a broader shift in the rental market: buildings that support everyday life will increasingly outperform those that simply offer square footage.

A Smart Alternative to Buying (For the Right Families)

For many families, renting at a building like Sloane offers a compelling alternative to buying:

No pressure to purchase during uncertain market cycles
Access to premium amenities without ownership costs
Flexibility as family needs evolve

When childcare is built into the community itself, that value proposition becomes even stronger.

How We Help Families Find the Right Fit at Sloane

We’ve helped renters secure suites at Sloane by Fitzrovia, particularly families looking for larger layouts and longer-term stability. Availability can move quickly — especially when it aligns with school timelines and childcare needs.

Thinking about living in a building that offers Bloomsbury Academy? Send us a message in the form below to explore family-focused rental opportunities at Sloane and other Fitzrovia communities!

Dec 18

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Toronto Just Raised the Luxury Land Transfer Tax — Here’s What It Means for Buyers and Sellers

By Mark Savel Advice For Buyers, Advice For Sellers

Toronto City Council has officially approved another increase to the city’s luxury land transfer tax — a move that will directly impact high‑value home buyers and, indirectly, sellers navigating Toronto’s upper‑end market.

While the change won’t take effect immediately, it adds yet another layer of cost to buying luxury real estate in Toronto, a city that already has one of the most expensive closing‑cost environments in the country. Let’s break down what was approved, when it kicks in, and what it realistically means for buyers and sellers moving into 2026.

Toronto City Council Has Approved Another Luxury Land Transfer Tax Hike

Earlier this week, Toronto City Council voted to increase the municipal luxury land transfer tax on higher‑priced homes. The measure passed as part of the city’s broader effort to generate additional revenue without raising property taxes across the board.

It’s important to underline one key point right away: these new rates do not apply immediately. The updated luxury land transfer tax structure will take effect in April 2026, giving buyers, sellers, and developers a window to plan ahead.

Toronto already charges a municipal land transfer tax on top of Ontario’s provincial land transfer tax. This latest change applies only to the city portion — but at luxury price points, that distinction still translates into significant dollars.

How the New Luxury Land Transfer Tax Works (Graduated Rates Explained)

The approved increase applies to homes with purchase prices above $3 million and works on a graduated scale. That means different portions of the purchase price are taxed at different rates, rather than the entire value being taxed at a single flat rate.

Once implemented in April 2026, the new municipal luxury land transfer tax rates will be:

$3M to $4M: 4.40%
$4M to $5M: 5.45%
$5M to $10M: 6.5%
$10M to $20M: 7.55%
Over $20M: 8.6%

These figures represent increases of roughly 0.9 to 1.1 percentage points across the luxury brackets compared to the previous structure.

What This Actually Costs: Real‑World Luxury Home Examples

To put real numbers behind the policy change, below are illustrative before‑and‑after comparisons showing how the municipal luxury land transfer tax changes once the new rates take effect in April 2026. These examples are simplified for clarity and assume the same graduated structure before and after the increase.

Important note: These figures focus only on Toronto’s municipal land transfer tax, not the Ontario land transfer tax. Numbers are approximate and meant for planning conversations — not legal advice.

Buying a $3,500,000 Home in Toronto

Before April 2026 (previous luxury rates – approx.)

Estimated municipal LTT: ~$111,000

After April 2026 (new luxury rates)

Estimated municipal LTT: ~$138,000

Difference: ~$27,000 more in city land transfer tax

This is where the increase is felt most sharply. Buyers hovering just above $3M may rethink pricing, negotiate harder, or focus on properties that stay below the luxury threshold altogether.

Buying a $5,000,000 Home in Toronto

Before April 2026 (previous luxury rates – approx.)

Estimated municipal LTT: ~$200,000

After April 2026 (new luxury rates)

Estimated municipal LTT: ~$245,000

Difference: ~$45,000 more in city land transfer tax

At this level, buyers are typically more flexible — but a $40K–$50K jump in closing costs still factors into overall value discussions, renovation budgets, or comparisons with non‑Toronto options.

Buying a $10,000,000 Property in Toronto

Before April 2026 (previous luxury rates – approx.)

Estimated municipal LTT: ~$525,000

After April 2026 (new luxury rates)

Estimated municipal LTT: ~$650,000

Difference: ~$125,000 more in city land transfer tax

At the ultra‑luxury end, the tax increase is unlikely to derail a purchase — but it is no longer a rounding error. On eight‑figure deals, these changes meaningfully affect total acquisition costs and require more deliberate planning.

What This Means for Luxury Buyers — Now vs. After April 2026

Timing is going to matter more than ever.

Buyers who are actively searching now and able to close before April 2026 will avoid the increased rates altogether. As that date approaches, we expect to see more attention paid to closing timelines, especially for resale homes already trading near luxury thresholds.

For buyers planning purchases in 2026 and beyond, budgeting accuracy becomes critical. Closing costs in Toronto were already substantial — this change simply raises the stakes.

What This Means for Sellers Heading Into 2026

For sellers, the tax technically isn’t their bill — but it absolutely influences buyer behaviour.

Higher transaction costs can affect:

How aggressively buyers negotiate
How long buyers take to make decisions
Which price brackets see the most activity

Some sellers may choose to list earlier to capture buyers motivated to close before April 2026, while others may need to price more strategically to account for increased buyer costs.

Toronto vs. the 905: The Tax Gap Keeps Growing

One of the quiet side effects of this change is how much wider the gap becomes between Toronto and surrounding municipalities.

Buyers comparing Toronto to areas like Oakville, Vaughan, or Mississauga will once again notice that those markets do not charge a municipal land transfer tax. On luxury purchases, that difference alone can amount to six figures.

This doesn’t mean Toronto loses its appeal — but it does mean the decision calculus is shifting.

The City’s Argument — And the Market’s Pushback

Supporters of the increase argue the tax targets a small segment of buyers who can afford to contribute more to city finances. From the City’s perspective, it’s a progressive approach that limits the impact on everyday homeowners.

Critics, including industry groups, counter that repeated transaction‑based taxes risk dampening market activity and making Toronto less competitive long‑term — especially at a time when buyers have more geographic flexibility than ever.

As with many policy decisions, the truth likely sits somewhere in the middle.

What Buyers and Sellers Should Be Thinking About Right Now

Whether you’re buying or selling in the luxury segment, planning ahead matters:

Understand how April 2026 changes your closing costs
Stress‑test your budget beyond the purchase price
Factor timing into your broader strategy

These aren’t reasons to rush or panic — but they are reasons to be informed.

Looking for a Luxury Home in Toronto?

Final Thoughts: Another Cost Layer in an Already Expensive City

Toronto remains one of the most desirable real estate markets in the country, but it’s also becoming one of the most complex from a cost standpoint.

The newly approved luxury land transfer tax hike, effective April 2026, adds another variable buyers and sellers need to account for. With the right planning and guidance, it’s manageable — but ignoring it isn’t an option.

If you’re considering a luxury purchase or sale and want to understand how these changes affect your specific situation, this is a conversation worth having sooner rather than later… send us a message below!

Dec 18

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Pied-à-Terre in Toronto: Meaning, Use Cases, and Where Buyers Focus

By Mark Savel Advice For Buyers, Advice For Sellers

What Is a Pied-à-Terre?

A pied-à-terre is a small, secondary residence used on a part‑time basis rather than as a primary home. The term comes from France (literally meaning “foot on the ground”), and in Toronto real estate it almost always refers to a downtown condo owned by someone who lives elsewhere most of the time.

Think of it as a city base — a place to stay during the workweek, for cultural events, or for regular visits — without the commitment of full‑time urban living. In practice, Toronto pied‑à‑terres are typically studios or one‑bedroom condos in walkable, transit‑rich neighbourhoods with strong building management and concierge services.

Importantly, a pied‑à‑terre isn’t bought purely as an investment. It’s a lifestyle‑driven purchase first, with flexibility and long‑term value playing supporting roles.

Why Pied-à-Terres Fell Out of Favour — And Why They’re Back

During the height of COVID, Toronto experienced a very real shift. Remote work untethered many professionals from daily commutes, and a noticeable number of residents left the city for larger homes, quieter streets, or more space further afield. Downtown condos — the traditional home of the pied‑à‑terre — suddenly felt less essential.

Fast‑forward to today, and the story has shifted once again — quietly, but meaningfully.

Hybrid work is now the norm rather than the exception. Offices are busier mid‑week. Cultural life has fully returned. And many people who left Toronto didn’t lose their connection to the city — they just changed how they use it.

Instead of moving back full‑time, a growing number of buyers are opting for part‑time ownership. A pied‑à‑terre offers a practical middle ground: maintain a primary home outside the core while still having a reliable, comfortable place downtown.

Add in the fact that downtown condo prices have come down from their peak, and the timing suddenly makes sense. For many buyers, today’s market feels like a re‑entry point rather than a stretch.

Who Typically Buys a Pied-à-Terre in Toronto

While every buyer’s story is different, pied‑à‑terre owners in Toronto tend to fall into a few familiar profiles:

Professionals commuting into the city two or three days a week
Former Torontonians who moved out during COVID but still work, socialize, or invest time downtown
Suburban homeowners who want a downtown base for events, dining, or late nights
Snowbirds and international buyers splitting time between cities
Empty nesters who no longer need a full‑time city home but still want access

What they share isn’t a desire for more space — it’s a desire for convenience, predictability, and control over how they experience the city.

What Buyers Look for in a Toronto Pied-à-Terre

When a property is only used part‑time, priorities naturally shift.

Most pied‑à‑terre buyers focus on:

Location over size — walkability and transit matter more than square footage
Efficient layouts — every inch needs to work
24‑hour concierge and security — peace of mind when you’re away
Low‑maintenance ownership — lock‑and‑leave convenience
Strong resale and rental demand — flexibility if plans change

Not every condo checks these boxes, even if the price looks right on paper.

How we help: We help buyers avoid buildings that look good online but don’t function well for part‑time living — from inefficient layouts to management issues that only show up after you own.

Where Buyers Focus: Toronto’s Most Popular Pied-à-Terre Neighbourhoods

While pied‑à‑terres can exist across the city, demand consistently clusters in a few key downtown areas.

Yorkville

Yorkville remains a top choice for buyers who value prestige, walkability, and transit access. Luxury buildings, strong concierge services, and proximity to Bloor Street make it especially appealing for executives and international owners.

King West & King East

For buyers who want to be close to tech, finance, dining, and nightlife, King West and King East continue to dominate. These neighbourhoods work particularly well for mid‑week living and short, frequent stays.

Financial District

This is the classic pied‑à‑terre market. Smaller, efficient condos used primarily during the workweek, with unmatched access to offices, transit, and PATH connections.

Entertainment District

Events, culture, restaurants, and transit converge here. Buyers drawn to sports, theatre, and downtown energy often gravitate to this pocket.

Yonge & Bloor

As a major transit hub with consistent resale demand, Yonge & Bloor offers flexibility. It’s especially popular with buyers who want easy access to multiple parts of the city.

Neighbourhood guidance: Choosing the right neighbourhood matters even more when you’re only here part‑time. We help match how you’ll use the city with where you’ll enjoy it most.

Below are some our favourite luxury buildings in the city, that often attract those looking for a pied-a-terre

Are Pied-à-Terres a Good Investment?

A pied‑à‑terre shouldn’t be viewed as a traditional income property. While some owners choose to rent their units long‑term, the real value lies in flexibility.

You’re buying:

A guaranteed place to stay
Freedom from hotels or short‑term rentals
A hedge against rising accommodation costs
Optional future rental or resale upside

With condo pricing more balanced than it was a few years ago, many buyers feel the risk‑reward equation has improved — especially if they already plan to use the unit regularly.

CTA — Honest advice: We’ll tell you when buying makes sense — and when renting or staying flexible is the smarter move. Not every situation calls for ownership.

A Smart Alternative: Medium‑Term Rentals

For some buyers, owning a pied‑à‑terre is the end goal. For others, it’s a step they’re not quite ready to take — and that’s where medium‑term rentals come in.

Medium‑term rentals (typically 1–6 months) have quietly become a strong alternative for people who:

Need a downtown base a few days a week
Are testing neighbourhoods before buying
Want flexibility without committing capital
Are returning to Toronto gradually post‑COVID

Unlike short‑term rentals, medium‑term options feel more like real homes. And unlike hotels, they offer consistency, privacy, and comfort — without long‑term ownership risk.

How this ties in: Many clients use a medium‑term rental as a bridge — re‑establishing a downtown routine first, then deciding whether a pied‑à‑terre makes sense longer term.

Final Thoughts: Toronto Isn’t an All‑or‑Nothing City Anymore

For many buyers, the pied‑à‑terre reflects how life actually works now — flexible schedules, hybrid work, and a desire to stay connected without over‑committing. As prices recalibrate and the city continues to hum back to life, part‑time ownership is becoming a very intentional choice.

How we can help: If you’re considering a pied‑à‑terre in Toronto, we can help you evaluate buildings, neighbourhoods, and options that actually suit part‑time living — and avoid the ones that don’t.

Whether you’re returning to the city or redefining how you use it, the goal is the same: buy smart, buy intentionally, and enjoy the flexibility that comes with it – send us a message below to get started today!

Dec 17

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Church Lofts vs Hard Lofts in Toronto: What’s the Difference?

By Mark Savel Advice For Buyers, Church Lofts, Lofts

Why “Loft” Means Very Different Things in Toronto

In Toronto real estate, the word loft gets used a lot — and not always accurately. To some buyers, a loft simply means high ceilings and exposed brick. To others, it’s about history, character, and living in a space that clearly wasn’t designed as a condo from day one.

Two of the most commonly compared options are church loft conversions and hard loft conversions. On the surface, they can seem similar: both are adaptive reuse projects, both offer architectural character, and neither feels like a cookie‑cutter glass tower. But in practice, they deliver very different living experiences.

We see this play out with buyers all the time. Someone starts their search thinking they want “a loft,” only to realize later that which type of loft matters just as much as the neighbourhood or price point.

Let’s break down the real differences.

What Is a Church Loft Conversion?

A church loft conversion takes a former place of worship — often dating back 80 to 120 years — and reimagines it as residential space. In Toronto, these projects are usually boutique in scale, sometimes with fewer than 20 units total.

What draws buyers in is obvious the moment you walk inside: soaring vaulted ceilings, stone or brick walls, original wood trusses, arched windows, and in some cases, preserved stained glass. These are spaces that feel special.

That said, church lofts are also shaped by what already exists. Floor plates, ceiling heights, window placement, and structural elements are largely dictated by the original building. As a result, layouts tend to be more fixed and less flexible.

For a deeper look at specific buildings and conversions, see our guide to Church Loft Conversions in Toronto.

What Is a Hard Loft Conversion?

Hard lofts are created from former industrial buildings — factories, warehouses, manufacturing plants, and sometimes commercial bakeries or print shops. Most date back to the early-to-mid 20th century, particularly in neighbourhoods like Liberty Village, King West, Leslieville, and the Junction.

The defining features are industrial: exposed concrete, steel beams, brick walls, massive factory windows, and wide, open floor plans. Unlike church lofts, hard lofts were often large, rectangular spaces designed for efficiency — which translates well to residential living.

Hard lofts typically offer more layout flexibility and are easier to renovate over time. It’s not uncommon to see owners reconfigure bedrooms, kitchens, and workspaces as their needs evolve.

For a broader breakdown, explore our Toronto Hard & Soft Lofts Guide.

Church Lofts vs Hard Lofts: A Side‑by‑Side Comparison

Feature	Church Loft Conversion	Hard Loft Conversion
Original Use	Place of worship	Factory / warehouse
Typical Scale	Boutique, low unit count	Medium to large buildings
Ceiling Heights	Extremely high, often vaulted	High but more uniform
Layout Flexibility	Limited	High
Architectural Details	Stained glass, stone, arches	Brick, concrete, steel
Heritage Restrictions	Common and often strict	Less restrictive
Renovation Freedom	Limited by structure & heritage	Generally more flexible
Condo Fees	Can be higher due to building complexity	Often more predictable
Buyer Profile	Emotion‑driven, long‑term owners	Lifestyle‑focused, urban buyers
Resale Pool	Niche but passionate	Broader market appeal

Design & Architecture: Old‑World Grandeur vs Industrial Edge

Design is where the emotional split really happens.

Church lofts lean into history. They feel dramatic, almost gallery‑like, and there’s a sense of permanence to the architecture. Buyers who choose them often talk about the feeling the space gives them rather than pure functionality.

Hard lofts, by contrast, feel urban and practical. The beauty comes from raw materials and scale rather than ornamentation. Exposed concrete and brick create a backdrop that can adapt to different furniture styles, artwork, and renovations over time.

Neither is better — but they appeal to very different personalities.

Layout & Livability: Day‑to‑Day Reality

One of the biggest surprises for first‑time loft buyers is how differently these spaces live.

Church loft layouts are often vertical, with mezzanines or split levels. Bedrooms may overlook living areas, and privacy can be limited. Storage is sometimes creative rather than abundant. These homes reward buyers who value atmosphere over efficiency.

Hard lofts tend to be more forgiving. Larger floor plates make it easier to carve out proper bedrooms, home offices, and storage. Ceiling heights are still generous, but the overall space usually feels more balanced for daily living.

We often see buyers initially drawn to church lofts emotionally, then gravitate toward hard lofts once they start thinking about how they’ll actually use the space every day.

Heritage Designation & Renovation Limits (Toronto‑Specific)

Many church lofts in Toronto are heritage‑designated. While this protects the character of the building, it also limits what owners can change — especially when it comes to windows, exterior elements, and sometimes interior features tied to the original structure.

Hard lofts may also be heritage buildings, but restrictions are usually lighter and focused on exterior façades. Interior renovations are typically far more straightforward.

Before buying, it’s critical to understand what is and isn’t allowed. This is one area where due diligence can save buyers from frustration later.

Maintenance, Condo Fees & Ownership Reality

Church lofts often operate with smaller condo corporations and highly customized buildings. Roofs, stonework, specialty windows, and aging systems can all translate into higher maintenance costs or special assessments over time.

Hard loft buildings tend to have more standardized systems and larger reserve funds, simply due to scale. Fees are often easier to predict, though they can still vary widely depending on amenities and building condition.

Neither option is inherently risky — but expectations should be realistic.

Who Each Loft Type Is Best For

A Church Loft Might Be Right If…

You value architecture and history over layout efficiency
You want a truly one‑of‑a‑kind home
You’re buying for long‑term enjoyment, not frequent renovations
You’re comfortable with some design compromises

A Hard Loft Might Be Right If…

You want open‑concept living with flexibility
You plan to renovate or reconfigure over time
You prefer a more urban, industrial aesthetic
You want a broader resale audience down the road

Toronto FAQs: Church Lofts vs Hard Lofts

Are church lofts harder to resell?
They appeal to a narrower audience, but buyers who want them are usually highly motivated.

Do church lofts always have higher condo fees?
Not always, but unique building systems can increase costs over time.

Can I renovate a church loft unit?
Interior changes are often limited. Always review heritage restrictions first.

Which holds value better long‑term?
Both can perform well. Hard lofts tend to be more liquid; church lofts rely more on emotional demand.

Ready to Explore Loft Options in Toronto?

Drawn to character and history? Explore current church loft conversions for sale in Toronto and see what makes these homes truly unique.

Prefer flexibility and an industrial edge? Browse Toronto hard lofts for sale and compare layouts, neighbourhoods, and price points.

If you’re not sure which direction makes sense, that’s normal. The right choice often becomes clear once you walk a few buildings and experience the difference firsthand.

Dec 16

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What It Really Costs to Buy a Church Loft in Toronto in 2026

By Mark Savel Advice For Buyers, Church Lofts, Lofts

Church loft conversions occupy a unique corner of Toronto’s real estate market, sitting somewhere between architectural artifact and livable art. They’re scarce, architecturally rich, and often impossible to replicate under today’s zoning and heritage rules. They’re scarce, architecturally rich, and often impossible to replicate under today’s zoning and heritage rules. That combination is exactly why buyers are drawn to them — and also why understanding the true cost of ownership matters.

Unlike a standard condo, church loft pricing isn’t just about price-per-square-foot. Down payments, land transfer taxes, and closing costs scale quickly, especially at the upper end of the market. To make this practical, let’s walk through three realistic purchase scenarios using real Toronto math.

The Assumptions We’re Using

For buyers who want a deeper overview of how church conversions work in Toronto, you can start with our dedicated guide to church loft conversions in Toronto.

To keep things consistent, all three scenarios below assume:

Owner-occupied purchase in Toronto
20% down payment
25-year amortization
3.5% mortgage interest rate
Ontario + Toronto land transfer tax applies

(All figures are illustrative estimates, not mortgage quotes.)

Scenario 1: Buying a $1,000,000 Church Loft in Toronto

Entry-Level Church Loft Ownership

Down Payment & Mortgage

Purchase price: $1,000,000
Down payment (20%): $200,000
Mortgage amount: $800,000
Estimated monthly mortgage payment: ~$4,000 / month

Land Transfer Tax (Toronto Buyer)

Ontario land transfer tax: ~$16,475
Toronto municipal land transfer tax: ~$16,475
Total land transfer tax: ~$32,950

Estimated Closing Costs (Excluding LTT)

Legal fees & disbursements: $2,000–$3,000
Title insurance & adjustments: $1,500–$2,500
Estimated total: ~$4,000–$5,500

Who Typically Buys at This Level

Buyers at this level often come from the conventional condo market and are making a deliberate lifestyle upgrade.

At this price point, buyers are often moving up from a conventional condo or purchasing their first true loft. Units tend to be more compact, but still offer signature features like exposed brick, arched windows, or dramatic ceiling heights.

Scenario 2: Buying a $2,000,000 Church Loft in Toronto

The Sweet Spot for Space & Character

Down Payment & Mortgage

Purchase price: $2,000,000
Down payment (20%): $400,000
Mortgage amount: $1,600,000
Estimated monthly mortgage payment: ~$8,000 / month

Land Transfer Tax Breakdown

Ontario land transfer tax: ~$32,950
Toronto municipal land transfer tax: ~$32,950
Total land transfer tax: ~$65,900

Estimated Closing Costs (Excluding LTT)

Legal fees & disbursements: $3,000–$4,000
Title insurance & adjustments: $2,000–$3,000
Estimated total: ~$5,000–$7,000

What You’re Usually Getting at $2M

This price range is often considered the sweet spot for buyers who want character and functionality.

This is where church loft living really opens up. Buyers typically gain more generous square footage, fewer layout compromises, and stronger heritage detailing. These homes appeal to design-driven buyers and downsizers who value uniqueness over uniformity.

Scenario 3: Buying a $3,500,000 Church Loft in Toronto

Trophy Church Loft Territory

Down Payment & Mortgage

Purchase price: $3,500,000
Down payment (20%): $700,000
Mortgage amount: $2,800,000
Estimated monthly mortgage payment: ~$14,000 / month

Land Transfer Tax Reality Check (Including Toronto Luxury Brackets)

Toronto applies additional municipal land transfer tax rates on higher-value properties, which begin to materially impact purchases above $3,000,000.

Ontario land transfer tax: ~$72,950
Toronto municipal land transfer tax (including luxury tiers above $3M): ~$92,950
Total land transfer tax: ~$165,900

At this level, Toronto’s additional luxury land transfer tax becomes a major consideration — often exceeding the cost of a full renovation in a conventional condo.

Closing Costs at the High End (Excluding LTT)

Enhanced legal complexity: $4,000–$6,000
Adjustments & insurance: $3,000–$4,000
Estimated total: ~$7,000–$10,000

Who Buys at This Level (and Why)

These are typically full-floor or multi-level church lofts with no true comparables. Buyers are prioritizing architecture, privacy, and long-term ownership — often with the mindset that these homes simply don’t come back to market very often.

Church Loft Costs Compared — At a Glance

Purchase Price	Down Payment	Mortgage	Monthly Payment	Est. LTT	Est. Closing Costs
$1,000,000	$200,000	$800,000	~$4,000	~$32,950	~$4k–$5.5k
$2,000,000	$400,000	$1,600,000	~$8,000	~$65,900	~$5k–$7k
$3,500,000	$700,000	$2,800,000	~$14,000	~$165,900	~$7k–$10k

Examples of Church Lofts Buyers Can Explore in Toronto

One of the biggest challenges with church lofts is availability — inventory is limited, and many buildings only see a handful of sales each year. That said, these are some well-known Toronto church conversions buyers often keep an eye on:

The Church Lofts – A landmark conversion known for dramatic ceiling heights and preserved ecclesiastical details.
Glebe Lofts – A west-end favourite offering a mix of authentic heritage character and livable layouts.
Macpherson Church Lofts – Boutique and centrally located, popular with buyers who want rarity without sacrificing walkability.
Brunswick Lofts – A long-standing conversion in the Annex that continues to attract design-focused buyers.
Park Lofts – Often cited for their quiet residential feel paired with striking architecture.

Availability in these buildings can be sporadic, but they’re a good snapshot of the types of church lofts that exist across different neighbourhoods and price points.

Why Church Lofts Often Cost More Than Buyers Expect

Church lofts don’t follow normal condo pricing rules. Every unit is different, heritage restrictions limit supply, and replacement cost is effectively infinite — no one is building new ones. That’s why price-per-square-foot comparisons can be misleading, and why buyers who truly want one tend to hold onto them long-term.

Is a Church Loft Worth the Cost?

For the right buyer, absolutely. Church lofts reward those who value space, history, and individuality. They’re less about short-term appreciation and more about lifestyle, permanence, and owning something that simply can’t be recreated.

Thinking About Buying a Church Loft in Toronto?

If you’re exploring church loft ownership — whether at $1M or well north of that — understanding the numbers upfront makes the process far smoother. Inventory is limited, but opportunities do come up.

View all church loft conversions currently for sale in Toronto

Dec 15

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Church Loft Conversions in Toronto: Frequently Asked Questions

By Mark Savel Church Lofts

Why Church Lofts Spark So Many Questions

Church loft conversions sit at the intersection of architecture, history, and lifestyle—and that naturally leads to a lot of questions. These aren’t cookie-cutter condos. They’re former places of worship reimagined as homes, often protected by heritage rules, shaped by one-of-a-kind layouts, and located in some of Toronto’s most established neighbourhoods.

If you’re considering a church loft, chances are you’re drawn to character, volume, and something that feels genuinely different. This FAQ is designed to answer the questions buyers ask us most often—before, during, and after showings.

What Exactly Is a Church Loft Conversion?

A church loft conversion is a residential redevelopment of a former church building or church-owned land. In Toronto, most projects preserve the original structure—think brick facades, towers, stained glass, and soaring ceilings—while introducing modern residential units inside.

Well-known examples include The Church Lofts, Abbey Lofts, Glebe Lofts, and Saint Leslieville Church Lofts, each taking a slightly different approach depending on the building’s age, layout, and heritage status.

No two church loft projects are identical—and that’s very much the point.

Are Church Lofts Condos or Freehold?

Most church loft conversions in Toronto are condominiums, governed by a condo corporation with shared responsibility for common elements like roofs, windows, masonry, and mechanical systems.

Smaller condo corporations are common in church conversions, which can mean:

More direct owner involvement
Fewer amenities
Decisions that feel more personal (for better or worse)

Are Church Lofts Harder to Finance?

In most cases, no—but they do reward experience.

Most major lenders will finance church loft condos without hesitation. Where things can slow down is during the appraisal stage, simply because truly comparable sales are harder to find.

Buildings like Macpherson Church Lofts, College Street United Church Lofts, and West 40 Lofts tend to appraise more smoothly thanks to established resale histories. The key variable isn’t the building—it’s having professionals who understand loft-specific lending and valuation.

Why Are Condo Fees Sometimes Higher in Church Lofts?

Church lofts often cost more to maintain than newer builds—and that’s usually intentional.

Older roofs, original masonry, and specialty elements like stained glass require ongoing care. With fewer units sharing fixed costs, expenses can feel more concentrated.

In well-managed buildings, higher fees often reflect proactive reserve planning rather than mismanagement. In heritage properties, maintenance isn’t optional—it’s preservation.

What Heritage Restrictions Apply to Owners?

Many church lofts fall under heritage designation, which usually focuses on protecting exterior elements such as facades, towers, and windows.

Inside your unit, restrictions are often far more flexible—but condo rules may still limit what you can alter. Original beams, window openings, or structural elements may be protected, even if they’re inside your suite.

In practical terms:

Cosmetic renovations are usually fine
Structural or window changes often require approval
Exterior alterations are typically off-limits

Are Church Lofts Dark, Cold, or Noisy?

It depends entirely on the unit.

Some suites enjoy dramatic arched windows and multiple exposures, while others rely on clerestory windows or preserved stained glass.

Acoustics and temperature are similarly individual. High ceilings can amplify sound, but modern HVAC retrofits usually perform well. In church lofts, seeing the space matters far more than reading the specs.

Why Are Unit Sizes and Layouts So Inconsistent?

Because churches were never designed to be divided into neat rectangles.

Expect mezzanines, split levels, angled walls, and dramatic ceiling height changes. Buyers tend to price church lofts based on volume, light, and architectural moments—not just the number on a floor plan.

Can You Rent Out or Airbnb a Church Loft?

Long-term rentals are generally permitted, subject to standard condo rules and Toronto’s rent control guidelines.

Short-term rentals are a different story. Many church loft condos restrict or prohibit Airbnb-style use outright, and City of Toronto regulations apply regardless of building rules.

If rental flexibility matters to you, it’s critical to review the condo bylaws before buying.

Do Church Lofts Hold Their Value?

Church lofts tend to attract a smaller but highly motivated buyer pool. These aren’t impulse purchases.

Because supply is extremely limited and new conversions are rare, well-located church lofts often hold their value well over time. Buildings like The Church Lofts, Saint Leslieville Church Lofts, and Macpherson Church Lofts consistently draw interest when units come to market.

Liquidity can be slower—but demand is usually very real.

What Neighbourhoods Have the Most Church Loft Conversions?

Church lofts are scattered across the city, with higher concentrations in:

The West End (Bloordale, Dovercourt, Junction-adjacent areas)
Leslieville and the East End
Older downtown neighbourhoods with established church infrastructure

Each area reflects a different era of Toronto’s development—and a different style of conversion.

Who Should (and Shouldn’t) Buy a Church Loft?

Church lofts are ideal for buyers who:

Value character over uniformity
Appreciate architectural history
Plan to stay for more than a quick flip

They may not be ideal if you need:

Predictable layouts
Extensive amenities
Easy short-term resale

Ready to Explore Church Lofts in Toronto?

If you’re curious what’s currently available—or want insight into a specific building—we’re happy to help.

View all church lofts for sale in Toronto

Or reach out for building-specific advice, resale history, and off-market opportunities.

Dec 14

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Sloane West and East Tower Terrace and Pool

Turn Your Rent Into Travel Rewards: Fitzrovia Now Offers Aeroplan Points for New Tenants

By Mark Savel Purpose Built Rentals

If you’re actively searching for a Toronto rental, here’s an incentive that genuinely stands out. Fitzrovia — one of Canada’s leading purpose-built rental developers — is now offering tenants the ability to earn Aeroplan points simply by paying their rent.

Yes, really.

Through a new partnership with Chexy, Fitzrovia renters can turn a monthly expense into meaningful travel rewards — a move that reflects how competitive (and creative) the Toronto rental market has become.

Earn Aeroplan® Points On Your Rent Payments

How the Aeroplan Rent Incentive Works

The concept is refreshingly straightforward:

Rent is paid through the Chexy platform, which allows tenants to pay using debit or credit cards
Eligible Fitzrovia tenants earn Aeroplan points on each rent payment
New leases may also qualify for a one-time Aeroplan signing bonus, depending on the building and promotion

Instead of a one-time free-rent offer, this incentive keeps delivering value month after month — whether that’s flights, hotel stays, or upgrades through the Aeroplan program.

Why This Is a Big Deal for Toronto Renters

Rent is already one of your largest monthly expenses. Turning it into something that helps fund travel or future experiences is a smart upgrade — especially for renters who value flexibility, lifestyle perks, and modern rental communities.

It’s also part of a broader trend we’re seeing: top-tier rental developers are focusing less on short-term discounts and more on long-term tenant value.

Why Fitzrovia (And Sloane) Are Worth a Closer Look

At Toronto Livings, we’ve already helped renters successfully secure homes at Sloane by Fitzrovia, a purpose-built rental community near Yorkdale known for its thoughtful layouts, elevated amenities, and transit-friendly location.

Now, with the ability to earn Aeroplan points on rent, Fitzrovia’s offering becomes even more compelling — especially for renters planning to stay put for a while.

If you’re weighing your options and want to understand which Fitzrovia buildings qualify, how the Aeroplan incentive works, or how to secure a unit before availability tightens, we’re happy to help.

Thinking about making a move? Send us a message below and let’s talk through your options and see whether a Fitzrovia rental — Aeroplan points included — makes sense for you.

Dec 14

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Our Top 5 Favourite Church Loft Conversions in Toronto (And Why)

By Mark Savel Advice For Buyers, Church Lofts

Why Church Loft Living Still Captivates Toronto Buyers

According to the calendar, church loft conversions shouldn’t work as well as they do. Old buildings. Heritage restrictions. Layouts that don’t follow modern rules. And yet… buyers keep gravitating toward them.

What we hear most often from clients isn’t about square footage or amenities. It’s about owning something no one else can replicate. A home with history, permanence, and personality — in a city where so much new housing can feel interchangeable.

Below are our top five favourite church loft conversions in Toronto, based on first-hand client feedback, livability, architectural integrity, and long-term appeal. This isn’t a list of the flashiest buildings — it’s a list of the ones people truly love living in.

1. Macpherson Church Lofts – 12 Macpherson Ave

Tucked just south of Avenue Road, Macpherson Church Lofts is one of Toronto’s most refined church conversions — and quietly one of the most coveted.

Originally St. John the Evangelist Anglican Church, this boutique conversion leans into restraint rather than drama. The exterior still reads unmistakably ecclesiastical, while the interiors feel calm, intentional, and timeless.

Why buyers love it

A sense of quiet luxury rather than overt loft theatrics
Elegant proportions and natural light over exaggerated ceiling heights
A location that feels residential, yet moments from Yorkville and Summerhill

Clients often tell us this building feels “settled” — in the best possible way. It attracts end-users who want character without chaos, and homes that age gracefully rather than chase trends.

Explore Macpherson Church Lofts

2. College Street United Church Lofts – 456 College St

If you picture a classic Toronto church loft, this is probably the building you’re imagining.

College Street United Church Lofts delivers the full architectural experience: soaring ceilings, dramatic arched windows, and a stone façade that anchors the corner of College Street with authority.

Why buyers love it

Volume and light that simply can’t be recreated today
A true sense of arrival — every unit feels distinct
Urban energy without sacrificing architectural soul

What consistently stands out here is pride of ownership. Buyers know exactly what they’re buying, and they buy it because nothing else compares.

Explore College Street United Church Lofts

3. St. Leslieville Church Lofts – 175 Jones Ave

St. Leslieville Church Lofts strikes one of the best balances we’ve seen between heritage character and everyday livability.

The building maintains its church presence without overwhelming the interiors, making it a favourite among buyers who want authenticity without sacrificing functionality.

Why buyers love it

A strong community feel within the building
Character-rich spaces that still work day to day
A quieter, neighbourhood-first east-end location

Clients often describe this building as warm and approachable — a place that feels special without feeling precious.

Explore St. Leslieville Church Lofts

4. Sunday School Lofts – 14 Dewhurst Blvd

Smaller and more understated than many church conversions, Sunday School Lofts is what we often call a “hidden gem.”

Converted from an ancillary church structure rather than the main sanctuary, this building benefits from more traditional layouts while still retaining a heritage feel.

Why buyers love it

Boutique scale with low turnover
Practical layouts paired with subtle character details
A tucked-away setting just steps from Yonge Street

It’s especially popular with downsizers and professionals who want something different — but not difficult.

Explore Sunday School Lofts

5. Arch Lofts – 243–245 Perth Ave

Arch Lofts makes no attempt to hide its origins — and that’s exactly the appeal.

With Gothic Revival architecture, dramatic stonework, and preserved arched windows, this conversion delivers immediate emotional impact the moment you walk in.

Why buyers love it

Strong visual identity and architectural presence
Old-world details paired with modern interiors
A sense of permanence that new construction can’t replicate

Buyers here tend to be design-forward and comfortable embracing character over efficiency — and they wouldn’t have it any other way.

Explore Arch Lofts

What These Five Have in Common

Despite their differences, these church loft conversions share a few defining traits:

True scarcity — once you miss one, there may not be another for years
End-user appeal — people buy these homes to live in, not flip
Emotional connection — buyers remember the moment they walked in

And that’s the real takeaway. Church lofts aren’t about maximizing value per square foot. They’re about owning a space that feels meaningful.

Thinking About Buying a Church Loft?

If you’re exploring church loft living, understanding the nuances — from heritage designations to unit variability — makes all the difference.

You can learn more about how these conversions work in our Church Loft Conversions in Toronto guide, or scroll below to explore current church loft listings across the city.

As always, we’re happy to talk through what actually matters when buying one of these homes — and which buildings truly stand the test of time.

View All Church Lofts for Sale in Toronto

Church loft opportunities are rare, and when the right one comes up, timing matters. View all church lofts currently for sale in Toronto:

Dec 13

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Buying a Church Loft in Toronto: The Pros & Cons

By Mark Savel Advice For Buyers, Church Lofts, Lofts

Buying a church loft in Toronto isn’t just a real estate decision — it’s a lifestyle choice. These conversions sit at the intersection of architecture, history, and modern urban living. For the right buyer, they can be incredibly rewarding. For the wrong one, they can feel unnecessarily complicated.

Over the years, we’ve helped countless buyers navigate Toronto’s loft market, and few property types spark as many questions as church conversions. So let’s break it down clearly: what makes living in a church loft special, where the trade-offs really are, and who these spaces tend to suit best.

What Is a Church Loft, Really?

A church loft is the residential conversion of a former place of worship — often dating back decades — into a small collection of loft-style homes. In Toronto, many of these churches were built in established neighbourhoods long before zoning, transit lines, or condo towers were ever part of the conversation.

Unlike factory or warehouse lofts, church conversions weren’t designed for residential use. That’s exactly what gives them their charm — and their quirks. Original sanctuaries become dramatic living spaces. Sunday school wings turn into stacked townhomes. Bell towers sometimes become private terraces.

If you want a deeper look at how these projects come together, we break it all down on our main page dedicated to church loft conversions in Toronto.

701 Dovercourt Rd - The Church Lofts — 701 Dovercourt Rd – The Church Lofts

Why Buyers Are Drawn to Church Lofts

Architecture You Simply Can’t Rebuild Today

Vaulted ceilings. Exposed stone. Stained glass windows that cast light differently throughout the day. These are features that modern construction simply doesn’t replicate — at least not authentically.

Church lofts tend to feel more like custom homes than condos. Even years after completion, they still stand out in listing photos and in person. That architectural permanence is a big part of their long-term appeal.

Every Unit Is Genuinely One-of-a-Kind

One of the first things buyers notice when touring a church loft is that no two units are alike. Ceiling heights vary. Layouts shift. Windows aren’t symmetrical. In a market full of repetition, this individuality is refreshing.

From a resale perspective, uniqueness cuts both ways — but for buyers who value character, it’s exactly the point.

Quiet, Low-Density Living

Most church conversions are small by design. Fewer units. Fewer neighbours. Often no elevators at all.

That translates into quieter buildings, a stronger sense of community, and far less of the anonymous, hotel-like feel that comes with many high-rise condos. Short-term rentals are also far less common in these buildings.

The Realities Buyers Need to Understand

Heritage Restrictions Can Limit Changes

Many church lofts in Toronto are protected under some form of heritage designation. While this preserves the building’s character, it can also limit what owners are allowed to alter — particularly on exteriors, windows, and rooflines.

Interior changes are usually more flexible, but buyers should understand that heritage status is about stewardship as much as ownership.

Maintenance Costs Can Be Less Predictable

Older buildings come with older bones. Even when systems are updated during conversion, long-term maintenance can be less predictable than in brand-new construction.

Monthly fees don’t always tell the full story either. Church lofts often have fewer amenities, but higher per-unit responsibilities due to the size and complexity of the structure.

Smaller Condo Corporations Mean More Involvement

Church loft condo boards are typically small and owner-driven. That can be a positive — decisions feel more personal and less bureaucratic — but it also means owners are often more involved.

If you prefer a hands-off ownership experience, this is worth factoring in.

Financing, Insurance & Resale Considerations

The good news? Financing and insurance for church lofts have improved significantly over the years. Most major lenders are now comfortable with well-established conversions, especially those with strong reserve funds and clear management structures.

Resale value tends to track differently than conventional condos. Church lofts don’t always move in lockstep with broader condo trends, but they often hold value well over the long term because there simply aren’t many of them — and there won’t be more built.

Our First-Hand Experience at Heritage Towns at Hallam

The Heritage Towns at Hallam – 1183 Dufferin St

One of the clearest insights we can offer comes from our experience selling the entire Heritage Towns at Hallam community. We spent over two years on-site, working closely with buyers, from early sales through full occupancy.

What stood out most was how buyer perceptions evolved. Early on, many people focused on what these homes weren’t — they weren’t standard condos, they didn’t fit neatly into comparison charts.

Buyers began to appreciate the privacy, the character, and the sense that they owned something truly distinct. That experience continues to shape how we advise church loft buyers today: these homes reward patience, understanding, and the right expectations.

Are Church Lofts a Good Fit for You?

Church lofts tend to work best for buyers who value architecture over amenities, individuality over uniformity, and long-term enjoyment over short-term convenience.

If you want identical floorplans, predictable fees, and a fully hands-off ownership experience, this may not be your ideal fit. But if you’re drawn to history, design, and spaces that feel genuinely personal, it’s worth a closer look.

Quick Summary: Pros & Cons of Living in a Church Loft

Pros

Striking architectural character
Truly unique layouts
Quiet, low-density buildings
Located in established Toronto neighbourhoods
Long-term desirability and scarcity

Cons

Heritage restrictions on certain changes
Less predictable maintenance costs
Smaller condo boards require more owner involvement
Not ideal for buyers seeking uniform, turnkey living

Explore Church Lofts for Sale in Toronto

If you’re curious what’s currently available — or want guidance on whether a church loft fits your goals — you can explore all church lofts for sale in Toronto or reach out for a conversation grounded in real, firsthand experience.

Dec 12

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Church Loft Conversions in Toronto Explained (With Real Local Examples)

By Mark Savel Advice For Buyers, Church Lofts, Lofts

What Is a Church Loft Conversion?

At its core, a church loft conversion is exactly what it sounds like: a former place of worship that’s been thoughtfully reimagined into residential living. In Toronto, these conversions typically preserve the architectural bones of the original church — think soaring ceilings, stained glass windows, heavy masonry, and exposed timber — while introducing modern layouts, kitchens, and bathrooms behind the scenes.

Unlike former factories or warehouses, church buildings weren’t designed for production efficiency. They were designed for light, volume, and presence. That’s why church lofts are often considered some of the most dramatic and emotionally compelling examples of true hard loft living in the city.

For buyers who value character over cookie-cutter layouts, church loft conversions sit in a category of their own.

Why Toronto Has So Many Church Loft Conversions

Toronto’s relationship with church loft conversions didn’t happen overnight. It evolved gradually, shaped by changing demographics, shifting neighbourhoods, and the city’s growing appreciation for adaptive reuse.

Changing Congregations and Adaptive Reuse

From the mid-20th century onward, many Toronto congregations began to shrink, relocate, or merge. Large church buildings — often expensive to maintain — became underused, even as the surrounding neighbourhoods grew denser and more desirable. Rather than see these landmark buildings demolished, adaptive reuse became a practical and culturally sensitive solution.

Church conversions allowed Toronto to preserve neighbourhood landmarks while introducing low-density, character-driven housing into established communities — a win-win that still resonates today.

Why Churches Were Ideal for Loft Living

From a structural standpoint, churches were surprisingly well-suited for residential conversion:

Exceptionally high ceilings
Large, open-span interiors
Thick masonry walls and stone detailing
Oversized window openings, often with stained glass

These features translate into homes that feel light-filled, dramatic, and completely unlike conventional condos. No two units are ever truly alike — and for many buyers, that’s exactly the point.

A Personal Toronto Connection to Church Conversions

My connection to church loft conversions goes back well before my career in real estate.

In 1941, my great-grandfather helped raise funds to construct St. Cyril and Methodius Roman Catholic Church, located at 40 Claremont Street in Toronto. Built to serve the city’s Slovak Catholic community, the church stood as a neighbourhood anchor for decades.

In 1995 — long before church lofts were widely understood or marketed — the building was thoughtfully converted into just three residential loft homes. It’s a small, early example of adaptive reuse in Toronto, and one that quietly set the stage for how these buildings could evolve while still respecting their history.

That project left a lasting impression on me. Today, working with church loft conversions across the city doesn’t feel like a trend — it feels like a continuation of a Toronto story that’s been unfolding for generations.

View Church Loft Listings for Sale in Toronto

Church lofts are some of the rarest homes in the city — and they don’t always surface through standard condo searches.

We maintain a curated view of every church loft conversion in Toronto, including active listings, quiet opportunities, and buildings to watch. If you’re serious about finding the right one, having a clear picture of what’s available (and what rarely comes up) makes all the difference.

How Church Loft Conversions Actually Happen in Toronto

Church conversions in Toronto are rarely straightforward. Each project comes with its own set of planning, heritage, and design considerations.

Heritage Status and What It Really Means

Many churches in Toronto are either listed on the City’s Heritage Register or formally designated under heritage legislation. This doesn’t prevent conversion — but it does shape how it happens.

In most cases, heritage protections focus on preserving key exterior elements such as façades, rooflines, stonework, and window openings. Interiors are often more flexible, allowing architects and developers to balance modern livability with historical character.

The result? Homes that feel contemporary, but still unmistakably rooted in Toronto’s architectural past.

Planning, Zoning, and Condo Structures

Church loft conversions tend to result in boutique-scale projects. Some are converted into a handful of large lofts, while others incorporate townhome-style units or small condo corporations with very limited turnover.

This is why church loft buildings often feel more like private residences than traditional condos — and why opportunities to buy into them are so rare.

Real Church Loft Conversion Examples in Toronto

Toronto has no shortage of standout church loft conversions, each with its own personality and architectural approach. A few notable examples include:

Arch Lofts on Perth Avenue, known for dramatic ceiling heights and original church detailing
College Street United Church Lofts, a striking conversion along one of the city’s most vibrant corridors
St. Leslieville Church Lofts, blending historic architecture with modern east-end living
Hallam Towns / Heritage Towns at Hallam, a creative adaptation tied to a former church site

Each of these projects reinforces the same idea: there is no such thing as a standard church loft.

What Makes Church Lofts So Different From Other Toronto Lofts

Church lofts aren’t just another variation of hard loft living — they operate by their own rules.

Layouts are often irregular. Ceiling heights can vary dramatically within the same unit. Sightlines, window placements, and architectural quirks are part of the package. For buyers who want predictability, this can be challenging. For buyers who want something unforgettable, it’s exactly the appeal.

Supply is also extremely limited. Once a church has been converted, there’s no second phase, no replication, and no mass production. What exists today is essentially all there will ever be.

Who Church Loft Living Is (and Isn’t) For

Church lofts tend to attract a very specific buyer profile:

End-users who plan to stay long-term
Buyers who value architecture and history
Those willing to trade efficiency for character

They’re often less appealing to investors seeking uniform layouts or frequent turnover. Church loft ownership is usually about lifestyle first — returns second.

Be sure to check out our article on: How To Buy A Church Loft in Toronto

Are Church Loft Conversions Still Happening in Toronto?

They are — but far less frequently than in the past.

As zoning becomes more complex and heritage considerations grow stricter, many remaining church sites are either too small or too protected for large-scale conversion. When projects do move forward, they tend to be boutique, design-forward, and highly customized.

This shrinking pipeline is one reason existing church lofts have become increasingly irreplaceable within Toronto’s housing landscape.

Exploring Church Loft Listings in Toronto

If church loft living speaks to you, access matters.

We track every church loft conversion in the city — past, present, and upcoming — and have access to listings that rarely fit into neat search filters. Whether you’re just starting to explore or waiting for the right opportunity, having context makes all the difference.

Explore current church loft listings in Toronto, or reach out if you’d like to talk through what makes these homes so unique.