Who we serve

Real Estate Investors

Landlords, property owners and developers. Each property reported on its own, every expense in the right place, and a plan for the day you sell.

Book an intro meeting Free 15-minute call
Your portfolioExample

Tap a property to see its statement.

Its own statement

CondoTriplexDuplexCommercial

  • Rent collected
  • RepairsClaimed this year
  • ImprovementsAdded to cost
  • CCADecided on purpose
  • Net rental income

Each property on its own, so you see what each one earns.

Three questions

Three questions to ask about your properties.

If any answer is “I am not sure”, that is where we start.

  1. 01Are your properties set up to save the most tax?Personally, jointly or in a corporation. Each choice is taxed in a different way.
  2. 02Are you using the tax rules that apply to you?CCA, the timing of a sale, HST on new or commercial property.
  3. 03Is every expense from your rentals claimed?And claimed in the right year, so it holds up if CRA asks.
We work with property owners, landlords and developers.Tenants, planning delays, building delays and refinancing. Our team are property investors too.
Book an intro meeting
Repairs and improvements

Repair or improvement? Try it.

A repair puts the property back the way it was. You usually claim it this year. An improvement makes it better than before. It is added to the property’s cost and claimed over time.

Six common jobsExamples
  • Repainting between tenants
    Right. Not quite. Repair. Repainting keeps the property as it was. Expense it this year.
  • Adding a second bathroom
    Right. Not quite. Improvement. It adds something new. Add it to the cost and claim it over time.
  • Fixing a leaking tap
    Right. Not quite. Repair. A plain repair. Expense it this year.
  • Building a new deck
    Right. Not quite. Improvement. A new feature that was not there before. Claim it over time.
  • Replacing a broken window pane
    Right. Not quite. Repair. Puts the window back as it was. Expense it this year.
  • Finishing an unfinished basement
    Right. Not quite. Improvement. Makes the property better than before. Claim it over time.
Each case depends on the facts. We check yours. of 6 sorted
Expense nowRepairClaimed in the year the work is done.
Claim over timeImprovementAdded to cost. Claimed with CCA.
From buying to passing on

With you for the life of each property.

01Before you buy

Buy

  • Who should own it: you, you and a spouse, or a corporation
  • HST when you build, buy new or buy commercial property
  • Statements ready for your lender
More on tax advice
02Every year

Rent

  • Each property gets its own statement, so you see what each one earns
  • Repairs and improvements sorted correctly
  • CCA decided on purpose each year, not by default
More on personal tax
03When you sell

Sell

  • The profit is usually a capital gain. Half of a capital gain is taxed (2026 federal rules).
  • CCA you claimed may come back as income
  • Timing planned ahead, so the tax bill is no surprise
More on tax advice
04For your family

Pass on

  • Moving property to the next generation with a plan
  • Structures that make the hand-over simpler
  • Working with your lawyer on the details
More on one-off projects
Wherever you are, start with a call.Tell us what you own and what you plan next. We will tell you what we would look at first.
Book an intro meeting
Questions we get asked

Questions from investors.

Federal rules, checked on canada.ca in October 2026. Provincial rules, such as land transfer tax, differ. We check them for your province.

Should I own rentals personally or in a corporation?
It depends on your income, your plans and your lender. Each choice changes how the rent is taxed and what happens when you sell or pass the property on. We look at your numbers before you buy or move anything.
Can I claim repairs right away?
A repair that puts the property back the way it was is usually claimed in the year the work is done. An improvement is added to the property’s cost and claimed over time with CCA.
Do I have to claim CCA?
No. You can claim any amount from zero to the maximum for the year. CCA cannot create or increase a rental loss. When you sell, CCA you claimed may have to be added back to your income.CRA, “Amount of capital cost allowance you can claim”, checked October 2026.
How is the sale of a rental property taxed?
The profit is usually a capital gain, and half of a capital gain is added to your income. The planned increase to this rate was cancelled in March 2025. If you sell a home you owned for less than 12 months, the profit is usually taxed in full as business income. If you claimed CCA, some of it may also come back as income.
Does HST apply to my property?
It can. Renting a home long term is usually exempt. HST can apply when you build or buy new residential property, do a major renovation, or rent commercial space. We check before you sign.
Do you work with investors outside Ontario?
Yes. Our office is in Kitchener, Ontario. We work with investors across Canada through a secure portal.
Your next step

Tell us what you own and what is next.

A free 15-minute call to look at what you own and where we can help.

Book an intro meeting Free 15-minute call
Have this ready for the call
  • How many properties you own, and what kind
  • Who owns each one: you, jointly, or a corporation
  • Your last tax return
  • What you plan next: buy, sell, build or pass on