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Moving Back to Canada

Resources for Expatriate Canadians returning to Canada after living in the U.S. or further abroad


Buying real estate in Canada



condo towers in Vancouver

This resource is for Canadians living abroad who wish to buy real estate in Canada as an investment while living abroad, when getting ready to move back, and for those new to Canada.

This primer covers important questions, considerations, and steps for buying a condominium, house, or rural property in Canada. Many of my expatriate Canadians clients have asked me to help them navigate the real estate purchase process while they are living in the U.S. and further abroad, leading to common questions, concerns, and challenges that I address here.

I work with a team of professionals across Canada who continually inform my understanding of the evolving realities of opportunities, risks, laws, mortgages, and rental markets, so this resource is kept up-to-date.

Great News! Expatriate Canadians returning to live in Canada will most likely be able to access the Government of Canada's "First-Time Home Buyer Incentive" program that begins September 2, 2019. Sign up for my newsletter below to learn more about this program in the next two editions of the newsletter and how to access it if you are eligible!

Areas covered in this primer:





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Reasons for buying real estate in Canada


Obviously, there are many different motivations for buying property in Canada. Here are the common contexts of my clients:

Buying a house or condominium in Canada from abroad

There are many others who wish to purchase real estate in Canada: Flight capital investors from Hong Kong, China, and other countries, international investors who buy properties in cities around the world, reverse snowbirds, businesses who need housing for their professional employees, and more. I have met many of these, all with their own contexts and reasons for buying real estate in Canada.

Types of real estate you can buy...and some simple trade-offs:


The following table is a snapshot of key variables relating to real estate investment in Canada right now (Q3 2019). Your life context determines your location needs and desires, of course. If you have 3 children, for example, condominiums are really not on your radar. similarly, if you are "empty nesters" you may be more focused on condominiums in urban areas rather than rural land.

Use the information here to identify the mix of investment level and future oriented income + cost streams, including tax impacts, that fits your goals and needs. Being strategic with your purchase make sense regardless of the life context you are in:


Type of property


Scale of price/investment:


Price Trend:


Rental Income Potential:1


Taxes:

House in central urban location Large: $600k - $1,500,000+ Up slightly nation-wide - Vancouver shaky Good High
Condominium - central urban Medium: $300k - $1,000,000+ Up slightly nation-wide - Vancouver flat Very Good Medium
House - suburban Large: $400k - $1,000,000+ Up slightly Good Medium
Condominium - suburban Medium: $200k - $750k Up slightly Modest Medium
House - vacation/destination2 High: $300k - $2,000,000+ Flat or slight decline Varies Medium
Condominium - vacation/destination Medium: $200k - $750k+ Flat High Medium
Rural home Medium: $300k - $750k Up in many areas Low Low
Rural home + acreage Large: $300k - $2,000,000+ Mixed across Canada Low High
Empty building lot - suburban Medium: $200k - $500k Up - investors buying these N/A Medium
Empty land - rural acreage Varies: $100k - $2,000,000+ Mixed across Canada N/A Medium

Notes:

1. Rental Income Potential = rental income compared to the value of the real estate purchase and costs of owning it, such as property taxes. Example: $1,500 rental income per month on a $300,000 condominium is better than $2,000 rental income per month on a $900,000 house.

2. Examples: High demand cottage areas such as "cottage country" in Ontario and year-round tourist destinations like Whistler, BC where you might rent your property by the night through AirBnb.


Where in Canada are the opportunities right now?


As of Fall-2019 opportunities for investments in real estate, or if you want to buy in anticipation of moving back and living in the property, are in the following areas:


Notice something interesting about the areas of opportunities above? They are NOT in the big city centres. While there will be growth in Vancouver, Calgary, Toronto, and Montreal, for example, in the coming years, the prices are already high now, density is approaching maximum, and there is community push-back happening against increasing standalone house prices. Indications from my clients and professional associates are that if investment capital gain is a priority for you, larger gains will be found outside of the cores of big cities in Canada, and currently in condominiums and townhouses.

"What will happen for the rest of 2019? Will prices keep rising?"


Where are prices of real estate going?

These are, of course, the questions most people investing in real estate are asking.

As of July 2019 prices in select markets, for certain types of real estate are dropping significantly. The biggest changes:

Vancouver houses and condominiums priced over $1.5 million. Yes, these are really going down in price. a $4.0 million house in West Vancouver or condo in downtown Vancouver might be worth $2.75 million as of the writing of this.

GASP!!!

But is this indicative of the whole market in the Greater Vancouver Area (GVA), the rest of BC, and the rest of Canada?

Yes and No. Yes: Most properties in the GVA are down between 5% and 15%. This is a real drop! No: A $500,000 house in Abbotsford, BC, which is just outside the GVA, has not really changed much. Nor has a $300,000 condominium in Chilliwack, BC. It was $300,000 last year and is about the same this year, or just slightly down. Houses and condominiums for average middle-class folks in BC are not moving much. In some markets properties in the $300,000 - $400,000 are even going up in price due to demand at these price ranges.

Toronto? June 2019 sales volumes in the Greater Toronto Area (GTA) are up 10% over June 2018 and prices are up 3% over last June. Obviously, the GTA is huge area and price change differences will vary, but the market is clearly stable there. Ottawa? Up over 8% so far for 2019! Montreal? Up. Victoria? House prices are down significantly but condominiums are still in high demand.

So if you are considering buying real estate in Canada in 2019 or 2020 and you are looking in the $1 million - $10 million price range, there will be some bargains to be had. Hurray! But if you are buying a $500,000 house in Ottawa? The prices are not going down but instead are going upward as of July 2019!

All this is subject to change, of course, and it behooves you to keep a close eye on any specific market you wish to buy a property in. The rest of 2019 will be a bit of a roller coast ride for real estate due to economic and political change happening in Canada, the U.S, China, and around the world.

What about the 2-10 year range - mid-term to long term?

Here are four factors that will encourage stable or increasing prices in Canada in the mid-term and long-term:

  1. The Government of Canada has high immigration targets: 2017-2020: 1,000,000 new immigrants. This will definitely keep continued pressure on real estate prices.

  2. Growth in key high-skill areas. For example, technology, research, film/tv and medicine. BC has over 100,000 jobs in high tech alone. Amazon.com announced in 2018 it is doubling the number of high-paid, primarily software engineering positions in downtown Vancouver from 1,000 to 2,000 in 2019 and 2020. In Toronto there are more than 170,000 technology positions and growing. Montreal is becoming an AI and tech research centre, with significant job growth happening. These jobs are prime feeders for higher-end real estate sales. Demand at the higher end of prices for real estate "pulls" demand up and "primes the pump" for growth at the lower price levels.

  3. Continued low interest rates. As of July 2019 there is every indication that interest rates will not rise for the remainder of 2019 and this is impacting mortgage rates directly. And rates now are a far-cry from levels that were 2x, or 3x higher in the 1990's and early 2000's. Low interest rates will keep people buying real estate in the mid-term and long-term in Canada.

  4. A new "First-Time Buyer" program starting September 2, 2019 that is designed on the surface to help first-time buyers but really is to continue demand pressure on entry-level properties. As people increasingly demand entry-level properties (condos, semis/duplexes, townhomes), they push people already in those properties up into the next level of property (full detached homes), and those into the next level (higher end detached homes), and so on. This "priming of the pump" is designed to stimulate the industry and keep sales rolling in the Fall of 2019's election period, making the incumbent government look good as Canadians go to the polls.

Buying from abroad: Logistics, legal, and your Team


This is a big topic area, so in the interest of keeping this resource reasonable in length, here are some key areas of consideration:

Travel to Canada first and explore your options

(even if you know where you want to buy)

Whether you are living abroad and plan on staying there for 20 years or you are moving back in 6 months time, visiting Canada is essential to understanding the current realities of the property market, lining up the professionals you need, and starting your search.

Many of my clients hire me to help them navigate the whole process and it is our discussions before, during, and after their visit to Canada that really clarifies their options and preferences, allowing them to be laser-focused on what they want to buy, and where.

Another reason to visit: If you and your spouse are planning on moving back to Canada, there will often be unconscious or unspoken thoughts, preferences, and concerns that will come to the surface when visiting, discussing, and hearing each other. Why? Because you have made space in your busy lives for this to happen. Such discussions pay BIG dividends in aligning your preferences and creating a common real estate focus. No, I am not a marriage counselor, but trust me when I say that a visit together to explore real estate is an investment with a big payback in the future for marital harmony. :-)

Legal aspects:


You can buy a property in Canada while you are living abroad. Once you know what you want, a real estate agent and lawyer can sometimes do the legalities remotely now if you are not needing a mortgage. If you need a mortgage for a purchase you can electronically sign an offer of purchase, but must physically come to Canada to sign the final mortgage agreement in-person just before the sale closes and you take possession of your property.

Caveat: There are more sophisticated professionals...and those much less so. Be sure to find a real estate agent, mortgage broker, and lawyer who understand that you live abroad and do not plan to come back several times to handle all the paperwork in-person (unless you plan to!) I cannot stress enough the importance of finding "worldly" and more sophisticated professionals to work with for your real estate research and buying process. See my Professionals page on this site which gives you 3 screening criteria for choosing professionals and a list of pre-vetted professionals in Canada you can trust.

There are specific government filings required if you are non-resident and will rent out your property, such as the NR6 and NR4 forms. Nothing onerous, but necessary to understand and there are simply legal processes you must prepare for. See the "Managing a rental property from abroad" below, for more on this.

Your Team


Here are key professionals who can be helpful:



Getting a mortgage in Canada (and other financing options) while living abroad


This is a major concern for Canadian expatriates living in the U.S., or anywhere in the world for that matter. Some insights that may be useful:

Interest rate sensitivity


For most people, the lowest interest rate rules their decision making around mortgages. They have a very small tolerance for differences in rates. For example, if a bank in Canada quotes a mortgage interest rate of 2.90% and a different lender charges 3.75%, they will go with the 2.90%.

No surprise, right?

Well, why would you go with the 3.75% option when you can get the 2.90%?

Because as a returnee to Canada or an expatriate investor you may have a wider range of concerns, including the fact that federally chartered banks won't give you a mortgage unless you put a 35% down payment before you return and can prove a Canadian income stream. And if you are an investor, interest is deductible from rental earnings, so if you plan to rent the property out, the impact of a difference in interest rate is not so significant, especially for a shorter-term mortgage (1-3 years).

How I became less sensitive to interest rates: For me it was easy: My first property, purchased in 1989, carried an interest rate of 12.25%. My next one? 8.50%. My latest: 2.84%. When the mortgage agent offered me the 2.84%, with a look on her face of "Is he going to complain it is so high?!", I just laughed and told her my mortgage history. 2.84%? So what? 4.50%? Not a problem! 6.00%? Still not a problem for me. My parents paid 5.25% on their mortgage in 1951 - 2.84% is just about half that rate.

Who cares about these low interest rates when you are going to pay off the mortgage with every payment, the value of your property is going to increase over time, and (if you are renting it out) your tenants are paying you income from which you can deduct interest costs? Moving back to Canada? You can always re-finance at lower interest rates in a year or two! You are not stuck for 25 years with a higher interest rate! The goal as an expatriate is to get in the market in a way that works for you initially, while you are living abroad or before you move back.

Becoming less sensitive to interest rates can reduce your stress and improve your mortgage options because you no longer look to Canadian "big 5" banks as your only sources of mortgage options!

The number #1 "fact" that I hear from all my clients and expatriate contacts? "We have to put 35% down. It is a fact."

No, it is not a fact. It is the percentage Canadian federally chartered banks require to give you a mortgage at a low interest rate. It is not true of other mortgage options, such as completely legitimate provincially regulated credit unions or private lenders.

Which leads to the next topic:


Canadian Banks are not the only source of mortgages


There are many trust companies, credit unions, private mortgage companies, and some individuals who lend money in the form of mortgages. These mortgages are just as legal, clear, and honest as a mortgage from a bank. These companies and individuals just want to make a good, safe return on their investments...just like a bank.

So why do most Canadians only look to banks for a mortgage?

They do so because a lack of understanding that options exit and a sense that dealing with anything other than a major Canadian bank is fraught with unsavoury, dangerous risks. "Trust companies? Credit Unions? What are they?" Many of my clients didn't even know such companies exist, though credit unions are provincially regulated and just as safe as a bank. Private lenders? The private lender is seen be out to "rip you off" or will somehow take advantage of you. There certainly are a some "sharks" out there, but there are also many very legitimate private lenders. In fact, through some of the horror stories I am hearing from people dealing with the "Big 5 banks", there are "sharks" in banks, too! So, care is required regardless of the lender you choose to work with.

Canadian banks laugh, of course, as they count their $42 Billion in profits made in 2018. "It is amazing how Canadians only know about and trust us! Boy, what a profit we make on that innocent trust!"

Where does this lead to? I personally have a bank mortgage now. I had a private mortgage for 1 year before that, because it met my needs at the time...for a whole 0.16% higher interest rate than what a typical bank charged at the time.

Would you be willing to explore non-bank mortgage options? Options where you are not locked into the 35% down or Canadian income streams, for example?

Which leads us to "how do I access non-bank mortgage options?"...


Mortgage brokers and other lenders


One of your best friends as a returning Canadian citizen, Canadian expatriate investor, or foreign investor is a "mortgage broker" in Canada. These people take into account your whole situation and present your requirements to many lenders. And the best mortgage brokers in Canada work not only with banks and credit unions, but also with private lenders. They understand that you have an unusual situation, are not currently living in Canada or are returning after having been in the U.S. or abroad for many years, and have little or no credit history in Canada.

Suggestion: Find a more experienced and professional mortgage broker in the area you are considering buying real estate. By "area" this can mean "province" as a mortgage broker can arrange a mortgage anywhere in the province they operate. They are not tied to a specific city.

Need a mortgage broker? I am carefully building a list of professionals in Canada who work well with expatriate and returning Canadians, including mortgage brokers. Details: Professionals who understand Canadian expatriates.

Private lenders are another option. These are companies who have a few million or more in capital to invest and would like to make a good return on their investments compared to leaving their money in a bank account (which earns you about 1% or 2% at best!) This group of lenders also includes private individuals who want to do this kind of lending, sometimes simply because they enjoy investing in mortgages in their community.

Sometimes the seller of a property will hold a mortgage for 6 months, a year, or longer. Exploring such an option with them may make sense should you wish for transition time as you move back to Canada and get your job and credit history started, allowing you to access a more traditional lender later.

Another option that was shared with me was the use of an "international bank". HSBC, in this example, funded a mortgage in Victoria, BC when the person was still living and working in Dubai. Why? Because unlike Canadian banks, HSBC is global in scope and thinking. The branch manager in Victoria simply got proof from the branch manager in Dubai of the income and credit rating of the person who was working in Dubai and the mortgage in Victoria was approved.

And one more option: A client moving to Ontario found that getting a mortgage in Canada was a challenge. So they took a home equity line of credit on their home in California and bought a house in Ontario for cash. Then, they put their house in California up for sale and paid off the home equity line of credit from the proceeds of the sale. Interesting and empowering option, no?

And one MORE option: A client moving to British Columbia from Europe was able to withdraw funds from his investment/pension fund there tax-free to use as a downpayment on their house in Canada, lowering their mortgage level and making it much easier to negotiate one. (See how many options you might have?!)

Summary: You have options!


Before you let the Canadian bank portcullis slam down on your plans to buy real estate in Canada with a 35% minimum downpayment requirement, and other rules such as a recent Canadian credit history and a Canadian income stream, explore your real estate investment goals and financing needs outside of the traditional box. You might be surprised at what you find is available to you!

Special note: Have your downpayment in Canada 30+ days ahead of financing


One rule that seems to be sticky for any major lender is to have your downpayment in a Canadian bank account 30 days ahead of the finalization of a mortgage and purchase of a property. A mortgage broker and former bank mortgage expert shared this with me. Please note that this applies to major banks and credit union lenders. As noted above, you have private mortgage options that do not have such constraints.


"What do the new (2018) Canadian mortgage "stress test" rules mean to me?"


The new Canadian mortgage stress test rules that came into effect on Jan 1, 2018 will not affect you, the returning resident, expat investor, or foreign investor if you have a significant downpayment and the means to afford the payments on the property (including through rental income).

The mortgage "stress test" at a glance:



Keeping your Canadian "non-resident" status while owning real estate in Canada


This is important: Your real estate in Canada must be kept as an investment, or as a pure "recreation property", until you move back, or you risk becoming a "deemed resident" and therefore liable for income tax in Canada.

Key principles to follow:


My work with clients usually includes careful consideration to ensure continued non-residency status and we construct a clear plan for the property. For those living in a low-tax environment abroad, it is essential to be careful with your non-resident tax status if you own real estate in Canada.


Managing your property in Canada while living abroad


If you are leaving your property empty, as many "flight capital" investors do (with much gnashing of teeth in Vancouver by locals), in most of Canada you can do this pretty easily, except for some key areas of BC and Ontario. BC in particular has recently introduced targeted taxes aimed at Canadian expatriate and foreign owners of BC real estate. Do be careful in BC and ON right to understand what is happening tax and legislatively!

If you plan to rent out the property, here are some suggestions:


Summary


Buying real estate in Canada can be a great investment, as an anchor for your future return, as a pure investment, or for your first time move to Canada. Choose a team approach to your research, planning, financing, purchasing, and property management steps to ensure you can see all options available to you and put together a plan that works best for you.




Real Estate in Canada Roadmap - NEW!


Roadmap for buying real estate in Canada

Ready to buy real estate and just need a Roadmap / Planner to guide your journey?

"The Thoughtful Expat's Guide to Buying Real Estate in Canada" is for you!

This Roadmap / Planner is a combination step-by-step guide, checklist, and education tool that will safely and confidently walk you through a real estate purchase. It starts with the research phase and ends with what to do in the first 30 days of you owning your property. It has been contributed to and regularly reviewed by real estate professionals to ensure it is as up-to-date as possible. Includes a glossary of terms you will need to know!

You can download PDF and Microsoft Word versions, the latter allowing you to tweak and customize the Roadmap for your needs and circumstances!

As the real estate market and process for buying property is evolving regularly, you will be notified of new editions of this Guide so you can download of them for free.

Currently available in Ontario and British Columbia editions in Microsoft Word and PDF formats. After purchasing you can download all the editions and versions.

PURCHASE NOW

Would you like professional help with a property purchase in Canada?


Paul Kurucz

I work with many expatriate Canadians purchasing real estate in Canada, either before they return to live in the property or as a strategic investment. They engage my support to advise and guide them starting with the research phase, working through the purchase process, and onward right to taking possession, and renting the property out, if desired.

We start by working through a methodology of identifying key preferences and how to act on those preferences in a desired geographic location.

My scope is wide: From researching the best neighbourhoods for schooling to choosing a great mortgage broker and real estate agent. From making an offer to transferring funds to Canada for the purchase. From supporting renovations to an existing property to new home construction. And I offer professional research, guidance, and support for purchases anywhere in Canada!

Support packages: Simple, clear, and high value!


A. Professional Real Estate Consultation


Professional Real Estate Support Video Conference

When you need real estate questions answered, want to compare options you are considering, and wish to hear new possibilities, this consultation is for you! I can help with a full range of your concerns including legal, tax, mortgage financing, purchase logistics, referrals to professionals, and purchase considerations in Canada when you are living abroad.

Includes a pre-conversation identification of your needs by email, a consultation by phone (North America) or Skype/Zoom voice/video (world-wide) and a follow-up email summary of the key points and road map recommendations discussed.

Bonus: Includes "The Thoughtful Expat's Guide to Buying Real Estate in Canada" Roadmap /Planner! (value: $30)

Get the clarity and confidence you need to move forward with your Canadian real estate research, planning, and purchase!

Fee: $300

Please contact me using the form below to book a Consultation!


B. Professional Real Estate Consultation + Email support for the duration of your research and purchase process.


Professional Email Support for a Real Estate Purchase

An initial Phone/Skype/Zoom or in-person consultation (available in British Columbia) lays the foundation for your purchase process and starts our work together. We continue after this by email, where I help connect you to key people, research and report on options directly to you, and provide analytical support for your real estate purchase. This differs from a real estate agent in that I work only for you, not for a sale, commission, or kickback from a referral. I am therefore highly responsive, focused only on your needs, geographically neutral, and am unbiased as your advisor. I help you avoid costly mis-steps, save money on things you might not have thought of, and ensure you feel informed and confident throughout the purchase process. You get support for the duration of your research and purchase process, even if it takes 2 years!

Bonus: Includes "The Thoughtful Expat's Guide to Buying Real Estate in Canada" Roadmap / Planner!

Professional guidance and support so you can feel clear and confident about your real estate purchase!

Fee: $600 for the duration of your research and purchase process.

Please contact me using the form below to book a Consultation and begin working together!


C. Active representation of your interests for a real estate purchase.


Active support for your real estate purchase

Working by email, phone, online video consultations, and meeting in-person with you, if possible. Visiting properties on your behalf, reporting with photos, video, and written analysis of how they match your criteria. Connecting you to key people (legal, financial, real estate, inspection, insurance, etc.) and meeting with them myself if necessary, ensuring your interests are being served at all times. Closely following the purchase process to conclusion to ensure all key steps both legally and logistically take place professionally and with integrity.

Have a professional represent your interests so you can relax and carefully consider all your options, knowing you are free to decide and act without pressure!

Fee: $1,500 + travel expenses, for the duration of your research and purchase process. Includes initial consultations with you, on-going communication, 3 property visits and full analytical reports to you on the properties for your consideration. Subsequent visits: $150 each. My communication and incidental costs are included. Costs such as a travel expenses, professional home inspector fees, and legal fees are not included in this price.

Please contact me through the form below to begin a conversation about how I may support your research and purchase process!

D. Active management of the real estate research and purchase process.


Managed real estate purchase

Full on-site support from the start of your real estate research process to taking possession of your property, including post-purchase work, managing renovations, and arranging of property management (if any of these are required). Includes all of packages A. and B. above, but customized to the on-going needs of your research, purchase, and post-purchase processes. This work is done for you as a consultant, but I can also do it under a formal legal representation as well (power-of-attorney).

I am a Professional you can trust who works on your behalf to get the real estate purchase done from start to finish!

Fee: $100 per hour (daily and weekly rates available) + travel and out-of-pocket costs.

Please contact me through the following form to begin a conversation on how I may support your research and purchase process!


Contact Paul Kurucz


(All communications between us are private and confidential)

Fast service: Email responses typically within 24 hours

"I normally respond quickly - within 24 hours!"






Your idea? Your thoughts? Your experiences?

Contributions & Feedback, please!


Please contribute your learning and experiences, and suggest improvements to this resource page, so that other Canadians may benefit from your wisdom!

Thank you!

Paul Kurucz

Latest update to this resource: September 2019.





Would you like help with your move?


Paul Kurucz

Would you like help with your move?


Paul Kurucz

Would you like help with your move?


Paul Kurucz

I offer professional support to help you prepare for a smooth and easy return to Canada so you can feel confident and organized!

Your questions about when to move back, taxes, investments and finances, bringing back your household belongings, health care, and more will be answered promptly and professionally, with resources to back up what you need. My 16 years of supporting over 1,000 clients gives me a depth of expertise across all aspects of planning and returning to Canada.

Paul Kurucz - Canada


A happy client:

Hi Paul,

Just to update you - we landed and sailed through customs! So thank you so much for all of your advice...It was a thoroughly pleasant experience.

This is to say thank you for everything. Your advisory has been so incredibly helpful and saved us considerable time and removed room for error.

With best wishes,

Caroline

Paul's professional support





Moving Back to Canada Planner!


Planner / Checklist for your move to CanadaA ready-made, customizable list of things you have to prepare for your move back to Canada, organized on a timeline approach. Save hours of work and the stress that you might not think of it all.

Now available for immediate download. In easily editable Microsoft Word format* so you can customize it to meet your planning needs.

Testimonial: "The list of tasks is very helpful as I’m a list person. Just love checking off the boxes!"

Bonus #1 ! Includes the guide: "Canada in 2019: 10 Insights to Empower Your New Life in Canada." Written by Paul Kurucz from his experience helping over 1,000 clients return to Canada, this guide will help you better understand the Canada you are coming back to!

Bonus #2 ! Includes the "Real Estate Selling and Moving Checklist" to help you prepare for your move back to Canada if you will be selling your house, townhouse, or condominium!

Purchase and Download now:

PURCHASE NOW

(PayPal, Visa, Mastercard, Amex)

* (If you don't have Microsoft Word, download the free OpenOffice software, which can open Microsoft Word documents easily)



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