Preconstruction Advisory · GTA · 2026

Preconstruction,
done correctly.

Independent advisory for buyers, builders, and lending partners across the Greater Toronto Area. We secure direct allocations, conduct institutional-grade due diligence, and structure financing to protect your downside — including up to $130,000 in new-home HST relief.

★★★★★
5.0 · 100+ verified reviews
BMO
Official lending partner · 36-month rate hold
Schedule a Consultation →
Download the buyer's guide · Run the numbers
§ Outcome guarantee. If our 30-minute consultation does not identify at least $10,000 in measurable value or three concrete actions, we will send a $50 honorarium for your time.
HST Rebate · Effective April 2026
$130K
Maximum new-home HST relief at the $1M tier
Federal GST eliminated$50,000
Ontario PST rebate$80,000
New insured cap$1.5M
FTB amortization30 yrs
500+
Ontario buyers helped
$500M+
Preconstruction closed
10yrs
In the Ontario market
$0
Buyer fees — builder pays us
✓RECO Registered · eXp Realty Brokerage
✓500+ Ontario closings · 10-yr track record
✓Direct allocations with Tier-1 GTA builders
✓Independent · No builder commissions
Case Studies · 2018–2022

Four mistakes that cost
Ontario buyers everything.

Tens of thousands of buyers signed preconstruction agreements between 2018 and 2022 without proper guidance. Many lost their deposits, walked away from contracts, or were forced to close at terms that destroyed their finances. Here's what happened — and how we make sure it doesn't happen to you.

⚠ Mistake #1 · True Story
"Sarah from Mississauga lost $47K at closing."
She signed in 2022 and skipped the $1,500 lawyer review. At closing in 2024 the builder invoiced her for $47,000 in development charges, education levies, and Tarion fees that were buried in the APS. We could have flagged every one of them in 5 minutes. Many couldn't close — and lost their entire deposits.
Average loss$45,000+
⚠ Mistake #2 · True Story
"Marcus & Priya from Brampton paid $1,840 more per month."
They locked in at 2.4% in 2021. By their 2024 closing, rates were at 6.1% with no rate hold protection. Their monthly payment jumped $1,840/mo — $22K more per year, every year. Our BMO partnership locks rates for up to 36 months.
Their cost over 5 yrs$110,400
⚠ Mistake #3 · True Story
"Daniel from Vaughan walked away from $30K in upgrades."
He trusted the builder's sales rep — didn't realize they're paid commission to maximize their margins. He missed the platinum VIP price ($28K below public launch), got stuck with a back-row lot, and paid full retail on every upgrade. A 30-min call with us would have saved $30,000+.
Money left on table$30,000+
⚠ Mistake #4 · True Story
"The Patel family lost their entire $128K deposit."
They bought a Liberty Village pre-con purely to flip on assignment in 2021. When the market softened in 2023, no buyer wanted the assignment. They couldn't qualify for the closing mortgage. They walked — and lost $128,000 in deposits. We don't let clients buy speculation they can't actually carry.
Deposit lost$128,000
Each of these risks is materially reduced with the right advisory partner. Preconbrokers exists specifically to make sure none of these mistakes happen to you. We've watched the market for over a decade. We know exactly where the traps are.
Verified Preconbrokers client
Verified Client
★★★★★
Real client · Mississauga · Closed 2024
"I was about to sign with a builder's sales rep until I called the Preconbrokers team. They spent 30 minutes walking through the contract — caught $38,000 in hidden development charges and got me a 36-month rate hold I didn't know existed. This call literally saved my home."
$38,000
caught in fine print
36 mo
rate hold secured
30 min
first call
Why 2026 Is Different

A structurally different
buying window.

The market that punished buyers in 2022 is the same market quietly creating an opportunity in 2026. Here's what's changed — and why this window matters.

①
Builders need buyers right now
Inventory is up. Builder incentives are real for the first time in years — capped closing costs, decor allowances, and free upgrades are on the table. This is leverage you didn't have in 2021.
②
$130K HST relief is brand new
The Federal GST elimination + Ontario PST rebate combine for up to $130,000 in tax relief. This is the largest new-home tax incentive in a generation. It applies to APS signed Apr 1, 2026 onwards.
③
Insured cap raised to $1.5M
Where insured mortgages used to cap at $1M, first-time buyers can now access insured financing up to $1.5M with 30-year amortizations. Lower down payments. Lower monthly costs.
Underwriting Tools

Calculate your real cost.

Two calculators, both built on the actual 2026 rules. No sign-up required to use them — but save your results to get a personalised breakdown sent to your inbox.

Purchase Price$1,000,000
$400K$1.5M
Buyer Type
Note: Federal GST is fully eliminated for first-time buyers on new homes up to $1M. Phases out between $1M–$1.5M. Ontario PST rebate up to $80K applies to most new homes regardless of buyer type.
Estimated HST Relief
$130,000
Federal GST eliminated$50,000
Ontario PST rebate$80,000
Effective net price$870,000
Save this breakdown to your inbox
We'll send a one-page PDF you can show your lawyer or banker.
Sent. Check your inbox in a few minutes.
Estimates only. Subject to enactment of federal regulations. Eligibility varies. Consult Preconbrokers for your full picture.
60 Seconds With Preconbrokers

Why Preconstruction in 2026
Changes the Math

Paste your video URL below to play
0:60
"Affordability is not what the bank approves you for —
it's what you can comfortably carry every month."
A core principle of our affordability framework
2026 Edition · Complimentary

The 11 questions every builder
hopes you won't ask.

A printable checklist + an annotated sample APS marking the exact clauses that cost Ontario buyers tens of thousands at closing. Written by working specialists, not marketers.

The 11 questions to ask before you sign anything
Annotated APS — every red-flag clause highlighted & explained
The closing-cost worksheet (real numbers, not estimates)
How the new $130K HST relief actually applies to you
Our shortlist of 8 vetted Ontario builder partners
Send the checklist to my inbox
Instant download. No spam, ever.
🔒 Your details stay private. We never sell your info.
✓
On its way.
Check your inbox in a few minutes. We'll also send a few short follow-ups with the most useful market updates.
Engagement Methodology

How an engagement works.

A structured three-phase advisory process — from market briefing to closing handoff.

1
Discovery Call
Budget, timeline, goals. No pressure — just clarity.
2
Market Education
Every active & pre-launch project across our 8 builder partners.
3
Builder Meetings
We attend with you. We flag what you'd never know to look for.
4
Lawyer Review
Free independent legal review before you sign anything.
5
Mortgage Strategy
BMO rate hold + pre-approval matched to your closing timeline.
6
Deposit to Keys
We stay with you through occupancy, closing, and beyond.
Client Outcomes

From first call to first keys.

Verified on Google
★★★★★ 5.0 · 100+ reviews
★ ★ ★ ★ ★
"They explain everything in detail, no tricks or hidden information. I'm glad I chose to work with the Preconbrokers team as a first-time homebuyer."
IO
Ifeoma O.
First-time homebuyer · Feb 2025
★ ★ ★ ★ ★
"Their professionalism and dedication stood out. I referred two of my friends to the team — same exceptional service for them."
NM
Nicole M.
Local Guide · Feb 2025
★ ★ ★ ★ ★
"The Preconbrokers team was patient, always ready to answer my questions, and made the process smooth. Their guidance and support made all the difference."
AE
Alex E.
Homebuyer · 2024
Read all 100+ verified Google reviews →
Frequently Asked

What buyers always ask.

The questions every Ontario buyer should be asking — answered straight, before you sign anything.

This is the #1 thing we plan for upfront. We help you build a closing strategy from day one — including a 36-month BMO rate hold, deposit pacing that fits your savings rhythm, and a contingency plan if your situation changes. We've never had a Preconbrokers buyer lose a deposit because they couldn't close.
If the builder formally cancels, your deposit is fully refundable under Tarion regulations. The risk is more subtle — projects that get delayed, redesigned, or quietly converted from condos to rentals. That's why we only work with our 8 vetted builders. We've watched their delivery records for a decade.
Sometimes. Most APS contracts contain an assignment clause — but builders typically charge a fee ($5K–$25K) and many require formal consent. We review every assignment clause on your behalf and negotiate the terms before you sign. We also help find buyers if you do need to assign.
Tarion's deposit protection covers up to $20,000 on freehold and varies for condos (up to $20K for under $600K, scaling to $100K+ for higher prices). Your deposit is also held in trust by the builder's lawyer. We always confirm the trust arrangement and Tarion enrolment before you wire a single dollar.
Yes — non-negotiable. The builder's lawyer represents the builder. Their job is to protect the builder, not you. An independent real-estate lawyer (we cover the cost of the initial APS review) catches the clauses that cost buyers tens of thousands at closing. This is the single best $0 you'll ever spend.
Every new home in Ontario comes with mandatory Tarion coverage: 1-year workmanship warranty, 2-year systems (electrical, plumbing, HVAC), and 7-year structural. We walk you through the inspection process, help document deficiencies, and follow up with the builder so issues actually get fixed.
In condos, you "occupy" the unit before final closing while the building is being registered (often 6–18 months). During this period you pay an "occupancy fee" — essentially rent — that doesn't reduce your mortgage. It's not double-paying, but it's a real cost most buyers don't budget for. We always include it in your real-cost worksheet.
This is exactly why our BMO partnership exists. As a Preconbrokers buyer, you can secure a 36-month rate hold — locking today's rate for up to 3 years while your home is built. If rates drop, you can typically still benefit. If they rise, you're protected.
Personal Engagement

Schedule a
discovery call.

Once we know your numbers, your timeline, and what you actually want from a home — we can match you to the right builder, the right project, and the right financing strategy. 30 minutes. No pressure.

①
Personalised project shortlist
Based on your budget, area, type, and what payment is comfortable.
②
Builder fit assessment
Not every builder suits every buyer. We tell you which one matches your priorities.
③
Real cost picture in 24 hrs
Total cash needed, monthly carry, rebates — all written down in one document.
⚖️
Our $50 Promise
If our 30-min call doesn't save you at least $10,000 or give you 3 specific actions, we'll send you a $50 Amazon gift card for your time. We've never had to send one.
“Will you spam me?”No follow-up unless you ask. One call, real answers, done.
“Am I committing to anything?”Zero. Walk away anytime. We're paid by the builder, not you.
“What if I'm just browsing?”Even better. We'll tell you exactly when (and if) to enter the market.
Get your matched project list
3 builder-vetted matches sent to your inbox in 24 hours · no obligation.
Buyer consulting like this typically runs $500/hr — and one HST mistake costs $47,000+.
For you: $0 (we're paid by the builder, not by you).
Just your phone number to start.
We'll text you to schedule — no spam calls, ever.
🔒 Your number is private · SMS-only · unsubscribe with one word
or
⚡
Skip the form. Book a specialist directly.
15-min slots · next available today · see live calendar
→
or finish the 60-second qualifier
🔒 Your information is private. We'll never sell your details.
✓
Got it. Last step:
pick a time that works.
We've saved your details. Now choose a 15-minute slot directly on our calendar — confirmed instantly. Most callers get a real answer in the first 5 minutes.
Open the Calendar →
📅 15-min slots · 🟢 Live availability · 📲 SMS reminder
The Principals

Senior advisors with institutional experience

RO
Richard Oyekunle
Team Lead

10 years in Ontario new homes. 500+ closings. Specialises in pre-launch VIP allocations.

EN
Enyi
New Home Specialist

Builder relationships across the GTA. Expert on assignment clauses and contract review.

DO
Darlington Ogbolu
New Home Specialist

First-time buyer programs and HST rebate strategy. Patient, plain-English approach.

EL
Elaine
Executive Admin

Keeps every file moving — deposits, deadlines, lawyer co-ordination, occupancy paperwork.

Schedule a Consultation
Confidential · 15-minute call
PB
Preconbrokers Advisory
Available · GTA
Thank you for considering Preconbrokers. Whether you are evaluating preconstruction options, comparing builder allocations, or seeking due-diligence support, our advisory desk is available to help. Schedule a confidential 15-minute call or send a message — a senior specialist will respond.
Now
Text the team now Or call: 647-887-5818
🔒 Real number · real human · no auto-responders
BMO 36-month rate hold  ·  available to Preconbrokers clients
Schedule Call →