Jan 12

Toronto Real Estate Market 2025 Year-End Review & Outlook

By Mark Savel Advice For Buyers, Advice For Sellers, Toronto

If 2024 was about uncertainty, 2025 was about adjustment.

The defining force this year wasn’t disappearing demand — it was inventory overwhelming the market’s ability to absorb it. Toronto averaged 25,548 active listings throughout 2025, a level that consistently exceeded what buyer demand could comfortably clear. Supply peaked mid-year at 31,603 active listings in June, then remained elevated through most of the fall before finally compressing into December.

Sales activity followed a familiar seasonal arc, averaging 5,228 sales per month, but that demand was spread thin across a much larger pool of listings. On paper, the market looked active. On the ground, it felt selective.

Buyers had options. Time. Leverage. Sellers could still transact — but only when expectations were realistic from the outset. This wasn’t a crash. It wasn’t a rebound either. It was a prolonged re-pricing environment, where leverage steadily and decisively shifted toward buyers.

Sales & Demand: Present, But Highly Filtered

Sales volumes showed resilience through the middle of the year. Monthly sales climbed from 3,847 in January to a peak stretch above 6,100 sales between May and July, confirming that buyers were not sitting on the sidelines entirely.

But that demand was fragile.

By December, sales slipped back to 3,697, nearly identical to January levels, despite clearer pricing, more transparency, and softer expectations. That bookend tells the real story of 2025: demand existed, but urgency never fully returned.

Where buyers did act decisively, three patterns stood out:

• Homes priced directly in line with recent comparable sales
• Listings that were clearly superior to competing inventory
• Properties positioned as good value, not best-case scenarios

Homes that missed those marks didn’t just sell later — they often sold for less, after extended exposure and multiple price reductions.

Inventory & Supply: The Dominant Force of 2025

If there was a single variable that shaped behaviour this year, it was supply.

New listings averaged 15,469 per month, with spring inflows particularly heavy. April through June alone added nearly 60,000 new listings to the market. Even as sales improved seasonally, absorption never caught up.

The impact compounded over time. Active listings rose from 17,157 in January to over 30,000 by May, fundamentally changing buyer psychology. And even when new listings slowed sharply — falling to just 5,299 in December — buyers were still choosing from 17,005 active listings.

That’s not scarcity by any definition.

As a result, buyers compared more homes before committing, conditional offers became routine again, and sellers lost the ability to rely on urgency or fear of missing out. Inventory didn’t need to keep rising forever to reshape the market. It simply needed to stay elevated long enough for psychology to change — which it did.

Pricing & Value: Softening, With Clear Winners and Losers

The average Toronto sale price in 2025 landed around $1.065M, but that headline number hides meaningful divergence beneath the surface.

Prices peaked in late spring, then softened steadily through the second half of the year, tracking directly with elevated inventory and rising buyer selectivity. Average Days on Market climbed from 38 days in Q2 to 57 days by Q4, reinforcing how patience — not urgency — defined buyer behaviour by year-end.

Well-priced homes often sold within their first listing window. Overpriced listings typically required multiple reductions. Final sale prices increasingly drifted away from original list prices.

By Q4, buyers weren’t negotiating off asking prices — they were negotiating off perceived value, often pointing to better alternatives still sitting on the market.

2025 by Housing Segment: Four Markets, One Theme

Detached Homes

Detached homes were the most resilient segment in 2025, but not immune.

Sales volumes held up better here than in other segments, particularly in established neighbourhoods where land value, schools, and long-term scarcity continued to support demand. Even so, elevated supply capped pricing momentum. Many detached listings required sharper initial pricing to generate traction.

Buyers were qualified, deliberate, and far less emotional than in past cycles. Overpriced detached homes frequently sat through multiple listing periods, while realistically priced homes attracted steady — if unspectacular — interest.

Semi-Detached Homes

Semi-detached homes felt affordability pressure more directly.

As a traditional step-up option, this segment was highly sensitive to interest-rate psychology. Demand existed, but buyers had more choice than usual, and that softened competition.

Well-presented semis in strong neighbourhoods continued to sell, but rarely with the multiple-offer dynamics sellers had come to expect. Pricing accuracy mattered enormously, making this segment a clear barometer of buyer confidence.

Townhouses

Townhouses experienced one of the more noticeable shifts in 2025.

Inventory growth, particularly in newer and suburban-adjacent projects, increased competition and reduced urgency. Buyers weighed townhouses more carefully against condos and smaller detached options, prioritizing layout, fees, and long-term livability.

Well-priced freehold townhouses performed reasonably well. Those that lacked differentiation or sat awkwardly between price points often struggled.

Condos

Condos were the most challenged segment of 2025.

Elevated supply, especially among one-bedroom and investor-oriented units, weighed heavily on pricing and absorption. Buyers had ample choice and often adopted a wait-and-see posture, particularly in buildings with high listing concentration.

While unique, well-located, or larger units still sold, competition was fierce and pricing pressure persistent. By year-end, condos increasingly led the market’s re-pricing rather than following it.

What This Meant for Buyers

For buyers, 2025 delivered something Toronto rarely offers: choice without chaos.

Elevated inventory created real leverage, particularly on listings that had been on the market 30 days or longer. Disciplined buyers were often rewarded with price reductions, seller concessions, and time to conduct proper due diligence.

That said, decisiveness still mattered. Homes that were clearly priced right — especially in strong neighbourhoods or turnkey condition — continued to attract competition.

The opportunity wasn’t universal leverage. It was selective leverage.

What This Meant for Sellers

For sellers, 2025 was a year where strategy mattered more than timing.

Listings that launched aligned with market reality often sold efficiently, even in a high-inventory environment. Those that chased aspirational pricing frequently became stale and paid for it later.

The data reinforced a difficult but consistent truth: waiting for the market to “come back” was rarely rewarded.

Carrying costs, competition, and buyer fatigue often outweighed the benefit of holding out, particularly in the second half of the year. Sellers who succeeded treated pricing as a proactive decision, not a fallback plan.

Short-Term Outlook Heading Into 2026

As the market moves into 2026, inventory remains the variable to watch.

New listings have slowed seasonally, but active supply is still high enough to keep buyers cautious and selective. Interest-rate sentiment may improve, but affordability constraints haven’t disappeared.

The most likely near-term scenario is continued sorting: well-priced homes transact, misaligned ones adjust, and leverage remains situational rather than universal.

Thinking About Buying or Selling in 2026?

Markets like this reward strategy, not guesswork.

If you’re planning to buy or sell in 2026 and want clarity around pricing, timing, and leverage, we’re happy to help you think it through. Whether that means stress-testing a sale price, identifying real buying opportunities, or simply understanding how current conditions affect your plans, our role is to give you clear, grounded advice—before you make any big decisions. Get in touch with us by sending a message below!

Jan 12

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December 2025 Toronto Real Estate Market Update

By Mark Savel Monthly Market Updates

A Quiet Finish to a High-Inventory Year

Big Picture

December 2025 closed the year the way many of us expected: slower, softer, and more selective. This wasn’t a sudden shift—it was the natural compression of a market that spent most of the year carrying elevated inventory and cautious buyer psychology. Sales pulled back sharply from the fall, new listings tapered off as sellers stepped aside for the holidays, and prices softened further on both a month-over-month and year-over-year basis.

What matters most here is context. December didn’t change the market’s direction—it confirmed it. Buyers continued to hold leverage thanks to choice and patience, while sellers who remained active were increasingly motivated by timing, finances, or life changes rather than optimism. In other words, the market didn’t freeze—it clarified.

Sales & Demand: Seasonally Quiet, Selectively Active

Sales in December declined to 3,697 transactions, down 26% from November, which is entirely consistent with year-end seasonality. More telling, however, is that sales were up just over 10% year-over-year, suggesting buyers didn’t disappear—they simply became more deliberate.

Detached, semi-detached, and townhouse segments all experienced sharp month-over-month slowdowns, while condo sales also pulled back after a relatively active fall. This reinforced a theme that played out throughout 2025: buyers will move forward when pricing aligns with perceived value, but they’re unwilling to chase—or compromise, especially in the slow months of the year.

Inventory & Supply: Relief, Not Resolution

Active listings fell to 17,005, down more than 30% from November, largely because new listings collapsed to just 5,299—a normal December retreat. That said, inventory levels remained over 10% higher than December 2024, underscoring that the market is still structurally well supplied despite the seasonal pause.

This distinction matters. Negotiating pressure didn’t reset—it simply went dormant. Buyers heading into early 2026 will still be comparing options, price reductions, and listing histories from late 2025. Sellers hoping for a clean slate in January may find that buyers remember December listings very clearly.

Pricing & Value: A Soft Landing, Continued Sensitivity

The average Toronto home price slipped to $1,006,735, down 3.1% month-over-month and 5.7% year-over-year. Every major property type felt pressure, with detached and semi-detached homes posting notable annual declines, and condos continuing to wrestle with affordability ceilings and investor hesitation.

A key divergence worth noting: detached homes continued to see price sensitivity tied to affordability and carrying costs, while condos faced a different challenge—buyer hesitation driven by fees, investor pullback, and an abundance of comparable options. In short, detached pricing softened due to demand constraints, while condo pricing remained capped by supply and sentiment.

Equally telling: average days on market climbed to 65, the highest level of the year. Buyers weren’t rushing—and sellers were often forced to adjust expectations mid-listing. Gaps between initial list prices and achieved sales remained wide, particularly where sellers anchored to early-2022 or early-2023 benchmarks.

Housing Segment Performance: What the Numbers Showed in December 2025

Detached Homes

Detached home sales pulled back sharply in December, consistent with seasonal norms, but the more important trend was pricing behaviour. Detached prices continued to trend lower on a year-over-year basis, reinforcing that affordability—not demand—is the limiting factor. Buyers remained active, but only at price points that reflected today’s borrowing costs, not past peaks.

The rise in days on market was especially noticeable in this segment, signalling that detached sellers faced the greatest gap between expectations and buyer willingness. Homes that corrected early still sold; those that didn’t often linger. The year-end data suggests detached pricing remains sensitive heading into early 2026 unless rates or sentiment shift meaningfully.

Semi-Detached Homes

Semi-detached homes followed the same directional trend as detached properties, though with slightly better liquidity. Sales slowed month-over-month in December, but not disproportionately, reflecting steady underlying demand for this middle-ground housing type. Year-over-year performance was more stable than detached, reinforcing that buyers still see semis as a relative value play.

Pricing softened modestly rather than sharply. December showed that buyers had very little tolerance for even slight overpricing—homes that launched realistically moved, while those that didn’t quickly blended into available inventory.

Townhouses

Townhouse sales cooled alongside the broader market, but this segment continued to benefit from functional end-user demand. Price movement was relatively flat compared to detached homes, though performance varied significantly by product type. Freehold townhomes held value better, while stacked and condo townhomes behaved much more like the condo segment.

Days on market increased slightly, but not alarmingly. The key trend here is separation rather than decline: townhouses with clear value propositions remained competitive, while those caught between pricing tiers faced longer exposure and heavier negotiation.

Condos

Condos remained the most challenged segment heading into year-end. Sales slowed in December, and elevated inventory continued to weigh on pricing momentum. Year-over-year price softness persisted, reflecting investor pullback and increased competition among listings.

While entry-level and end-user-friendly units still attracted interest, buyers showed little urgency. Rising days on market and frequent price adjustments confirmed that leverage firmly rests with buyers. December reinforced that condos are likely the last segment to see pricing stabilization unless supply meaningfully contracts.

What This Means for Buyers

December reinforced that patience remains a valid strategy. While selection may thin temporarily, motivated sellers still exist—and many are willing to negotiate meaningfully on price, terms, or closing flexibility. Buyers who understand value, rather than simply chasing discounts, are best positioned as we move into early 2026.

For buyers looking to understand neighbourhood-level pricing and opportunity, exploring recent Toronto market breakdowns can help frame where value is emerging.

What This Means for Sellers

If you sold in December, you likely did so because you priced with intent. If you didn’t, the message is clear: 2026 will continue to reward preparation, pricing discipline, and strategic timing. Waiting only makes sense if expectations are flexible—and your timing truly allows it.

Sellers considering an early-2026 launch should pay close attention to how inventory rebuilt throughout 2025, as those patterns are likely to repeat.

Short-Term Outlook

As we head into the first quarter of 2026, expect inventory to rebuild quickly, buyer engagement to return cautiously, and pricing conversations to remain grounded. Interest-rate sentiment may improve marginally, but psychology—not policy—will continue to shape negotiations.

Thinking About Selling in 2026?

If a move is on your horizon this year, the groundwork matters more than ever. Pricing strategy, timing, and presentation—not hope—are what separate homes that sell cleanly from those that linger. If you’d like to talk through how this market impacts your buying or selling plans, send us a message below!

Jan 10

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The Best Toronto High Schools in 2025 — And What That Means for Home Buyers

By Mark Savel Advice For Buyers

Choosing the right neighbourhood in Toronto has always been about trade-offs — house versus location, commute versus lifestyle, budget versus long-term upside. For families, though, one factor consistently rises to the top: schools.

Each year, we see buyers reorganize their entire home search around secondary school catchments, often years before their children will actually attend. The reason is simple: strong schools don’t just shape education outcomes — they shape demand, pricing, and resale stability.

Using the Fraser Institute’s 2025 Report Card on Ontario’s Secondary Schools, this guide breaks down the best-ranked Toronto high schools, where they’re located, and what their performance means if you’re buying a home in the city.

Why School Rankings Matter More Than Ever for Toronto Home Buyers

In competitive markets, school quality acts as a price floor. Even during slower real estate cycles, neighbourhoods anchored by top-performing schools tend to see:

more consistent buyer demand
faster absorption when listings hit the market
less volatility during broader market corrections

We see this play out repeatedly in Toronto. Families will compromise on square footage, renovation level, or even transit access — but they rarely compromise on schools once that priority is set. And because catchments are finite, timing becomes everything.

How the Fraser Institute Ranks Ontario High Schools

The Fraser Institute’s rankings are based on a school’s Overall Rating out of 10, which is derived primarily from province-wide EQAO data. In plain terms, the rating reflects:

Grade 9 mathematics performance
Ontario Secondary School Literacy Test (OSSLT) results
consistency of outcomes across student groups

For this article, we’ve used only the 2023/2024 Overall Rating and filtered strictly to Toronto-based secondary schools. Five-year averages and trend indicators were intentionally excluded to keep this a clean snapshot of current performance.

Important context: rankings are a starting point — not a verdict. They don’t measure arts programs, school culture, or student fit. But from a buyer’s perspective, they remain one of the clearest indicators of where long-term demand concentrates.

The Best Toronto High Schools in 2025 (Fraser Institute Rankings)

Below are the top-ranked Toronto secondary schools, sorted strictly by their 2023/2024 Overall Rating. Ties are preserved exactly as published.

St. Michael’s Choir School — Overall Rating: 10.0

Neighbourhood: Downtown / Church–Wellesley

Consistently ranked among the very best in the province, St. Michael’s Choir School is a specialized institution with elite academic outcomes. Its downtown location means families often face a different housing equation — condo living versus traditional family homes — but for many, the academic reputation outweighs the trade-offs.

From a real estate standpoint, proximity to specialty schools like this often sustains demand for larger downtown condos and townhomes that might otherwise see more fluctuation.

Ursula Franklin Academy — Overall Rating: 9.7

Neighbourhood: Seaton Village / Little Italy

Ursula Franklin Academy is a prime example of how alternative education models can still deliver exceptional academic results. Its consistent ranking keeps Seaton Village and surrounding west-end pockets highly competitive.

We regularly see buyers here accept smaller homes or older housing stock simply to secure long-term access to this school environment.

Cardinal Carter Academy for the Arts — Overall Rating: 9.3

Neighbourhood: North York

Cardinal Carter challenges the assumption that only neighbourhood-based schools drive demand. As a specialty arts school with strong academics, it attracts families city-wide.

For buyers, this opens up flexibility: rather than overpaying in a specific catchment, families can sometimes buy more house in adjacent North York neighbourhoods while still accessing top-tier education.

Bloor Collegiate Institute — Overall Rating: 9.2

Neighbourhood: Bloor West Village / High Park North

Bloor CI anchors one of Toronto’s most walkable, family-oriented areas. Its academic performance reinforces long-term price stability throughout Bloor West Village and nearby streets.

Homes here rarely linger on the market, particularly those within easy walking distance of the school.

Leaside High School — Overall Rating: 9.1

Neighbourhood: Leaside

Leaside remains one of Toronto’s most school-driven neighbourhoods. The combination of strong academics, community feel, and housing stock keeps demand consistently high.

Buyers often face a clear decision here: renovate an older home or stretch for a turnkey option — either way, competition is the norm.

Lawrence Park Collegiate Institute — Overall Rating: 9.1

Neighbourhood: Lawrence Park

Few neighbourhoods demonstrate the connection between schools and pricing as clearly as Lawrence Park. LP CI’s long-standing academic reputation supports some of the city’s highest detached home values.

Families buying here are often thinking a decade ahead, not just about schooling, but about long-term generational value.

Malvern Collegiate Institute — Overall Rating: 9.1

Neighbourhood: Birch Cliff / Upper Beaches

Malvern offers a compelling east-end alternative. Strong academics combined with relative affordability (by Toronto standards) make this area especially attractive for families priced out of the city’s traditional school hubs.

This is one of the few pockets where buyers can still balance school quality with meaningful space.

Humberside Collegiate Institute — Overall Rating: 9.0

Neighbourhood: High Park / Bloor West

Humberside’s consistency reinforces demand throughout High Park and surrounding streets. Inventory here remains tight, and listings often attract multiple interested families within days.

Collège Français — Overall Rating: 9.0

Neighbourhood: Downtown Core

As a French-language public school, Collège Français draws families from across the city. Its presence helps support demand for downtown family-sized condos and townhomes, particularly among bilingual households.

York Mills Collegiate Institute — Overall Rating: 9.0

Neighbourhood: Hoggs Hollow / York Mills

Quiet, consistent, and often overlooked, York Mills CI anchors one of Toronto’s most stable luxury pockets. Low turnover and long-term ownership are defining features of this area.

Strong Performers Toronto Buyers Actively Target (Overall Rating 8.5–8.9)

Not every buyer needs — or wants — to compete for a 9.0+ catchment. In practice, many Toronto families deliberately target strong-performing schools just below the very top tier, where academic outcomes remain excellent but housing options can be more flexible.

These schools consistently come up in real-world buyer conversations, especially when balancing budget, space, and commute.

Earl Haig Secondary School — Overall Rating: 8.9

Neighbourhood: Willowdale East (North York)

Earl Haig is one of those schools that buyers bring up almost immediately when they’re looking in North York. Strong results, a well-known reputation, and a neighbourhood that offers everything from condo living to detached homes make it a practical (and popular) target.

From a real estate standpoint, the Willowdale East market tends to reward buyers who move early. Inventory can be seasonal, and the best family homes often draw attention fast.

A.Y. Jackson Secondary School — Overall Rating: 8.9

Neighbourhood: North York (Don Valley / Bayview Village-adjacent pocket)

A.Y. Jackson is a great example of a school that performs at a high level without requiring “top-tier catchment pricing” across every street. For buyers, that can translate into more options — especially if you’re open to different home styles (bungalows, side-splits, newer infill, or condo-townhome alternatives).

It’s a smart target for families who want strong academics and a straightforward commute into the core.

William Lyon Mackenzie Collegiate Institute — Overall Rating: 8.7

Neighbourhood: Bedford Park / Lawrence Manor / Allenby area

William Lyon Mackenzie is frequently on the shortlist for midtown buyers who want a balance of strong school performance and a family-friendly neighbourhood vibe.

Real estate-wise, this pocket can feel like a “best of both worlds” play: close enough to the core to keep lifestyle options wide open, but with more family housing stock than downtown. That said… when a good listing hits, buyers notice.

Riverdale Collegiate Institute — Overall Rating: 8.7

Neighbourhood: Riverdale

Riverdale CI consistently attracts families who want strong academics while staying connected to the east-end lifestyle — parks, walkability, and a community feel that’s hard to replicate.

From a buyer perspective, Riverdale can be competitive for a different reason: turnover is low. When the right home shows up, there’s often a line of families who have been waiting.

Richview Collegiate Institute — Overall Rating: 8.7

Neighbourhood: Etobicoke (Richview / Central Etobicoke)

Richview is a recurring “value versus location” conversation for buyers. Etobicoke gives families a bit more breathing room — often more space for the budget — while still keeping access to strong school performance.

If you’re comparing west-end Toronto versus central Etobicoke, Richview is one of the schools that can tip the scales for families who want a bigger home without leaving the city.

Bishop Allen Academy — Overall Rating: 8.7

Neighbourhood: Etobicoke (Islington / Bloor West-adjacent)

Bishop Allen is a strong option that often appeals to families prioritizing structure, community, and consistent academic performance — while also wanting quick access to subway lines and west-end amenities.

For buyers, the nearby housing mix (condos, townhomes, and detached options as you move outward) makes this a flexible target. It’s a good reminder that you don’t always have to choose between lifestyle and school strategy.

Why this tier matters for buyers

Neighbourhoods anchored by these schools often offer:

slightly more inventory depth
better value per square foot
less emotional bidding pressure compared to the 9.0+ tier

For many families, this range represents the best balance between academic confidence and long-term affordability.

What These Rankings Mean for Toronto Home Prices

Neighbourhoods tied to top-ranked schools behave differently in the market. Even when conditions soften:

sellers hold firmer on pricing
buyer demand rebounds faster
listings see fewer failed offer dates

In many cases, waiting for “better timing” simply means paying more later once competition returns.

Important Caveats for Parents Using School Rankings

Rankings don’t capture everything. They don’t measure:

arts or athletics depth
student support culture
individual learning styles

Catchment boundaries can also change, and enrolment caps can affect access. This is why we always recommend verifying school eligibility before finalizing a purchase.

Buying a Home With School Catchments in Mind — Our Advice

The most successful school-focused buyers start planning earlier than they think they need to. Understanding neighbourhood supply, future boundary risks, and realistic budget trade-offs can make the difference between settling — and securing the right fit.

Final Thoughts

Great schools shape more than education — they shape neighbourhoods, pricing, and long-term value. For families buying in Toronto, understanding where academic performance and real estate intersect is one of the smartest moves you can make.

If you’re considering a move and want to align your home search with school strategy, we’re always happy to help you think it through – contact us by sending us a note below!

Dec 26

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Macpherson Church Lofts - 12 Macpherson Ave

Macpherson Church Lofts: History of 12 Macpherson Ave in Toronto

By Mark Savel Advice For Buyers, Church Lofts

A Church Loft That Feels More Like a Private Residence

There are church lofts in Toronto… and then there’s Macpherson Church Lofts.

Tucked quietly along Macpherson Avenue, just east of Yonge Street, this is one of those rare conversions that doesn’t announce itself. No signage. No concierge. No revolving door of listings. Instead, it reads more like a private residence that happens to sit inside a former church.

With only five homes carved into the original structure, Macpherson Church Lofts has always appealed to a very specific buyer — someone who values history, discretion, and architectural substance over amenities and scale.

The Original Church at 12 Macpherson Avenue

The building at 12 Macpherson Avenue was originally constructed in the early 20th century as a neighbourhood church, serving a growing Midtown Toronto community at a time when Yonge Street was still evolving from streetcar strip to urban spine.

Like many churches built during this era, the structure leaned heavily into traditional ecclesiastical design. Thick masonry walls, soaring interior volumes, arched window openings, and a sense of permanence were central to its design — elements meant to convey stability and community presence rather than efficiency.

As Toronto expanded north and demographic patterns shifted, many smaller urban congregations struggled to maintain aging buildings. What was once central to daily neighbourhood life slowly became underused — a familiar story across the city.

Condos for Sale at Macpherson Church Lofts | 12 Macpherson Ave

Fire, Decline, and a Turning Point

By the latter half of the 20th century, the church was no longer operating as an active parish. Then, in 1986, a significant fire damaged the interior of the building.

For many structures, this would have been the end of the story. But in this case, the exterior shell — including much of the defining masonry and architectural framework — survived. That survival proved critical.

Rather than demolition, the building entered a new phase: adaptive reuse. At a time when Toronto was just beginning to embrace loft living, particularly in former industrial and institutional spaces, 12 Macpherson presented a rare opportunity.

From Sanctuary to Five Loft Residences

The residential conversion was completed around 1990, transforming the former church into just five multi-level loft homes.

Instead of maximizing unit count, the conversion prioritized volume and individuality. Each residence was designed to feel substantial — more townhouse than condo — with layouts shaped by the original church geometry rather than standardized floorplates.

The result is a building where no two homes are alike, and where ownership feels deeply personal. It’s one of the reasons turnover here is exceptionally low.

Architectural Details That Still Tell the Story

What makes Macpherson Church Lofts endure isn’t just the fact that it was once a church — it’s how that history remains legible today.

Vaulted ceilings create dramatic vertical space rarely found in modern construction. Arched windows filter light in ways that change throughout the day. Original structural elements were retained and integrated, giving each home a sense of material honesty.

These aren’t decorative nods to the past. They’re functional, lived-in details that shape how the spaces feel and how owners use them.

And importantly, they’re details that simply can’t be replicated in new-build condos — no matter how luxury they claim to be.

A Quiet Pocket Between Summerhill and Yorkville

Location plays an outsized role in Macpherson Church Lofts’ appeal.

Macpherson Avenue itself is calm and residential, yet it sits just steps from Yonge Street and a short walk to both Summerhill and Yorkville. This puts owners within easy reach of some of Toronto’s best dining, shopping, and transit options — without living directly on a busy corridor.

For buyers familiar with Rosedale and Yorkville, this micro-location offers something increasingly rare: centrality without exposure.

Who Buys at Macpherson Church Lofts (And Why)

Over the years, a clear buyer profile has emerged.

Downsizers Who Refuse to Downsize Their Lifestyle

Many buyers come from large homes in Rosedale or Forest Hill. They’re looking to simplify — but not to compromise. The volume, privacy, and architectural presence here allow them to transition without feeling like they’ve traded down.

Rosedale and Yorkville Buyers Looking for Something Different

Others already live nearby but want a home that feels more expressive than a traditional condo. Macpherson offers familiarity of location with complete departure in form.

Pied-à-Terre Buyers

There’s also a quiet pied-à-terre audience. Buyers who want a Toronto base that feels residential, discreet, and deeply unique — not something interchangeable with every other luxury condo in the city.

Living at Macpherson Today

Homes at Macpherson Church Lofts rarely come to market. Owners tend to stay for years, if not decades, and listings are often tied to life-stage changes rather than market timing.

What residents value most isn’t a list of amenities — it’s the feeling of living somewhere that has meaning. Somewhere that couldn’t be recreated today.

Why Macpherson Church Lofts Still Matter

Toronto has no shortage of new condos. What it has very little of are buildings like this.

Macpherson Church Lofts represents a moment when the city chose preservation over replacement — and did it thoughtfully. Decades later, that decision continues to reward the people who live here.

For buyers drawn to character, history, and true architectural rarity, 12 Macpherson Avenue remains one of Toronto’s most quietly compelling addresses.

If you’re exploring church lofts in Toronto — or looking for opportunities that don’t always make it to the public market … the Toronto Livings team is happy to help. Send us a message below!

Dec 24

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Priority Transit Lanes on Bathurst – Enforcement & Penalties

By Mark Savel Toronto

Bathurst Street is one of Toronto’s busiest north–south corridors, and as of December 19, 2025, driving behaviour along it officially changed. The City has rolled out priority streetcar lanes along portions of Bathurst, and enforcement is now fully active.

If you drive, live, own property, or operate a business along Bathurst, this is one update you don’t want to miss. Below is a clear breakdown of how the lanes work, who can use them, and the fines now being issued.

What Are Priority Transit Lanes on Bathurst?

Priority transit lanes are dedicated lanes designed to keep streetcars moving reliably through congested corridors. On Bathurst Street, the left lane has been designated for streetcars and other permitted vehicles only.

These lanes are not suggestions or pilot markings. Once signage, pavement markings, and red paint are installed, the lane becomes legally enforceable.

The goal is straightforward: fewer delays for streetcars, more predictable transit service, and reduced stop‑and‑go congestion caused by blocked tracks.

When Enforcement Began (And Why It Matters)

Enforcement of Bathurst’s priority streetcar lanes officially began on December 19, 2025.

There is no grace period once the lane is marked and signed. Tickets are being issued now, and drivers are expected to understand and comply with the restrictions in real time.

For anyone who regularly uses Bathurst as a commuting route, this makes awareness critical. Even short stops or brief lane use can result in fines.

How to Identify a Priority Streetcar Lane

Drivers can identify priority streetcar lanes through a combination of visual cues:

Red-painted pavement
Diamond symbols painted on the road surface
Traffic signs displaying a diamond symbol and a streetcar icon
Signs stating “LEFT LANE,” indicating the lane is reserved

A simple rule of thumb: if you see the diamond symbol, the lane is restricted. Even if traffic appears light, the lane is still off‑limits unless signage explicitly permits use.

Who Is Allowed to Use the Priority Lanes

Only specific vehicles are permitted to travel in the priority streetcar lanes. These include:

TTC streetcars and buses
Wheel‑Trans vehicles, including approved third‑party contracted taxis
School buses and buses operated by agencies other than the TTC
Emergency vehicles, including police, fire, and paramedics

Private vehicles are not permitted to drive, stop, or wait in the lane unless a sign specifically allows access for turning.

Bathurst Street Priority Lane Fines & Penalties

With enforcement now active, the following penalties are being issued:

Infraction	Penalty
Improper lane use	$110 fine + 3 demerit points
Stopping in the priority lane	$170 fine
Parking in loading zones without active loading	$50 fine
Blocking an intersection	$450 fine
Blocking an intersection in a Community Safety Zone	$500 fine

For daily drivers, these penalties can add up quickly — especially when combined with demerit points.

When the Lanes Are Considered “Active”

Priority streetcar lanes are enforceable when all of the following are in place:

Red pavement
Pavement markings
Regulatory signage

If these elements are visible, enforcement applies regardless of traffic conditions or time of day, unless signage indicates otherwise.

Common Mistakes Drivers Are Getting Ticketed For

Some of the most common violations include:

Stopping briefly for passenger drop‑offs
Using the lane to bypass congestion
Waiting in the lane while preparing to turn
Parking or stopping in loading zones without active loading

Even short stops count. If your vehicle is in the lane and you’re not permitted to be there, enforcement can apply.

What This Means for Residents, Businesses, and Buyers Along Bathurst

For residents and property owners along Bathurst, these changes affect daily life more than many realize.

Curb access is more restricted, quick stops are riskier, and off‑street parking becomes more valuable. For businesses, loading and delivery timing matters more than ever.

On the positive side, more reliable streetcar service improves transit accessibility — a factor that increasingly influences buyer and renter decisions when evaluating neighbourhoods along major transit corridors.

Bathurst’s priority streetcar lanes are live, enforceable, and here to stay. Understanding how the lanes work is the best way to avoid unnecessary fines.

Dec 23

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Avoid Frozen Pipes This Winter: A Toronto Homeowner’s Guide

By Mark Savel Advice For Sellers

Why Frozen Pipes Are a Real Risk in Toronto

A prolonged cold weather — not just a single freezing night — is what puts household plumbing at risk during winter. Pipes running through exterior walls, basements, garages, and poorly insulated areas are especially vulnerable when temperatures stay below zero for days at a time.

Toronto winters aren’t just about the odd cold night — they’re about sustained stretches of below‑freezing temperatures. That’s when problems start. Pipes don’t usually burst because of a single chilly evening; they fail after days of cold air working its way into exterior walls, basements, garages, and uninsulated spaces.

From what we see during winter listings, renovations, and vacant properties, the highest risk almost always shows up when a home is under‑heated, partially occupied, or left unattended. Snowbirds, estate homes, rentals between tenants, and homes mid‑reno are especially vulnerable.

When You Should Drain Your Pipes

Insurance providers and the Insurance Bureau of Canada consistently point to winter vacancies as one of the leading causes of burst pipes and water damage. In Toronto, this risk is amplified when homes sit empty during extended cold snaps, whether due to travel, renovations, or properties being prepared for sale.

Draining your pipes isn’t something every homeowner needs to do every winter — but in the right situations, it’s one of the simplest ways to avoid major water damage.

You should strongly consider draining your pipes if:

Your home will be vacant for more than a few days, especially during a cold snap
You’re leaving the city for an extended period during winter
The property is under renovation with exposed plumbing
Heat or power reliability is a concern

This is also where insurance expectations come into play. Many Canadian insurers require homeowners to either maintain heat at a minimum level or shut off and drain the plumbing when a home is vacant. Skipping this step can complicate a water‑damage claim if something goes wrong.

A Simple, No‑Stress Way to Drain Your Pipes

This doesn’t need to be a complicated process. The goal is simply to remove standing water that could freeze and expand.

A basic homeowner‑level approach looks like this:

Shut off the main water supply where it enters the home
Open faucets on the highest level first, then work your way down
Open the lowest faucet in the house (usually a basement sink or laundry tub)
Flush toilets to empty the tanks and bowls
Open exterior taps and hose bibs — these are among the most common failure points

You don’t need to chase every last drop. You’re reducing risk, not performing surgery.

If you’re unsure where your main shut‑off is, this is worth identifying before winter — not during an emergency!

Common Winter Pipe Mistakes We See Every Year

A few patterns show up consistently once temperatures drop:

Assuming “a little heat” is enough in a vacant home
Forgetting about garage plumbing or exterior lines
Leaving hoses connected outside
Not realizing insurance policies have specific vacancy requirements
Relying on luck instead of a simple prevention plan

Most frozen‑pipe issues we encounter could have been avoided with one or two proactive steps.

A Quick Toronto Winter Checklist for Homeowners

Before winter fully settles in, ask yourself:

Will this home be vacant or lightly used?
Do I know my insurance requirements for winter vacancies?
Are exterior taps properly shut off and drained?
Is someone checking in during extended absences?
Does draining the system make more sense than relying on heat alone?

A short checklist now can save months of disruption later.

Final Thought

Winter preparation isn’t about overreacting — it’s about being realistic. In a city like Toronto, where cold snaps are part of the norm, draining your pipes when a home is vacant is one of the simplest ways to protect your property and avoid insurance headaches.

If you’re selling, renovating, or managing a rental that won’t be lived in full‑time this winter, planning ahead matters. And if you’re unsure how winter prep fits into your broader home or real estate plans, we’re always happy to be a resource.

Whether you live in your home full‑time or treat it as a seasonal base in the city, winter preparation is part of responsible Toronto homeownership. Draining your pipes when the situation calls for it is a small step that can prevent very big headaches.

And if you’re navigating a winter sale, renovation, or rental transition — especially with a property that won’t be lived in day‑to‑day — we’re always happy to help you think through the safest, smartest approach.

Reach out by sending us a message below!

Dec 19

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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.