🏘️ Toronto woman says pre-construction townhouse bait-and-switched her

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Retirement used to mean one thing: You stop working at a specific age, and then you kick back to enjoy your sunset years. But for a growing number of Canadian baby boomers, that script is being rewritten — and the reasons behind it are more complex than you might think.

A significant portion of boomers who are staying in the workforce aren’t doing it out of necessity — they’re doing it because they want to.

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If you have been carefully feeding a Registered Education Savings Plan (RESP), quietly assuming tuition fees would stay about the same and OSAP grants would help close the gap, Ontario just changed the equation.

After seven years of frozen tuition, the province is lifting the cap and overhauling student aid. On February 12, Ontario announced the province will provide $6.4 billion in additional funding to colleges and universities over four years. At the same time, schools will be allowed to raise tuition again and the Ontario Student Assistance Program (OSAP) will shift heavily toward loans.

Buying a home for the first time is usually a joyous occasion and a time to celebrate a momentous financial milestone.

But for Toronto resident Yvonne Tsui, purchasing her first property wasn’t a time of celebration — it was a catastrophe.

The 39-year old told the Toronto Star she put a deposit on a pre-construction townhouse around 2017, and finally got the keys to her new residence in 2024, after paying $515,000 and making three deposits totalling 15% of the purchase price. But, the property was not what it was allegedly marketed to her as, she claims.