Gifted Down Payment vs Co-Signer in Ontario: What GTA Families Need to Know

Parent embracing adult child beside a photo of a brand new GTA condo kitchen, representing a family-funded first home purchase

By Gaurang Shah Every spring, GTA families start making the same phone call. The kids have been pre-approved, the number is close but not quite there, and the parents want to help. What nobody tells them upfront is that “help” is not one decision. It is at least four different ones, and each carries a […]