Renting in Toronto Canada Ep 30

With Samantha Durnford

What’s it like to rent property in Canada? In a previous episode of Real Estate Matters, Toni interviewed Zoe Macfarlane about renting in Los Angeles, California. In this episode, Toni moves on to Canada, where her guest Samantha Durnford lives and works, to find out about what it’s like renting in Toronto.

Samantha explains to Toni what you can expect to pay in rent, and they discuss the implications of the lack of a bond (or deposit) in Toronto. Samantha is in a private rental, so there are no agents to deal with, but she and Toni discuss some of the quirks of the system doing it that way. If you’re considering renting in Toronto while saving for a house, you may want to reconsider; Toni and Samantha also discuss house prices in the greater Toronto area and why even moving further out may not save you money.

Making Assumptions Ep 28

Property Insider Secrets

When was the last time you made an assumption that turned out to be incorrect? Making assumptions when you’re buying or renting property can result in heartache. Sometimes, it could have financial consequences too!

It could be losing a house you thought you were sure to buy, or finding out that your belongings as a tenant are not covered by your landlord’s insurance. In this episode of Real Estate Matters, Toni looks at two examples from her own business where making assumptions had bad results. She also talks to us about how to avoid making assumptions in the first place.

Do you assume that when you place an offer to buy a house, that it means that house is yours? It’s not uncommon, especially for young buyers, to have their offers rejected by the vendor, and it’s not always clear why. Toni explains why it’s more complicated than just “making the offer”, and what considerations (besides money!) you should look at, when you’re talking to your real estate agent.

Renting in L. A. with Zoe Macfarlane Ep 27

Do you have a cheque book and how is your US Credit Score?

In this episode of Real Estate Matters, Toni talks to Zoe Macfarlane. Zoe, over the course of her career, has lived (and rented) in several different countries including Australia, New Zealand, the United Kingdom, Japan, and Vietnam. Zoe currently lives in Los Angeles, California. She discusses her experiences navigating the rental market as a foreigner.

This episode is key for non-US citizens interested in renting in Los Angeles, or in other parts of the United States. You’ll learn about American credit ratings, and why some landlords will reject renters who don’t have them. You’ll also learn why rental agencies can be useful and what protections there are for consumers renting in Los Angeles and elsewhere.

How OCs and BCs might be part of your life – Property Insider Secrets Ep 24

What are Owners Corporations and Body Corporates?

If you are going to buy or lease a property with a common area, it’s very important that you know what you are getting into before you sign a contract.

In Episode 16 of Real Estate Matters, Toni talked about the various apartment titles and the attributes of each. In this episode, Toni dives deeper into the responsibilities and costs that come with OC’s, (Owners Corporations) and BC’s, (Body Corporates) and the questions you need to ask before making a decision on a property that comes with common areas and other shared expenses.

Renting in Netherlands and Denmark with Bianca Benjamin Ep 22

Advice for anyone renting overseas!

Have you ever considered living in another country? Most people know that buying a place is difficult but many people don’t realize that renting a place to stay in another country is often very different than doing so in your home country.

This week Toni is joined by Bianca Benjamin who spent some time in the Netherlands, Denmark and England while studying journalism. Bianca shares her experiences, both good and bad, as well as her advice to anyone that is considering renting overseas!

What makes a AAA tenant? Property Insider Secrets Ep. 20

Toni Planinsek explains what you need to know before looking for a place to rent or lease

What makes a AAA tenant - Toni Planinsek - Real Estate Matters Podcast Ep 20

Many past episodes of ‘Real Estate Matters’ have focused on buying or selling real estate. But what if you want to rent a house or apartment instead of buying it? Finding and signing a lease on a rental may not be as complex as buying a property, but there are still things you need to know before starting your search.

On this Property Insider Secrets episode, Toni explains what you need to do to make sure that the property is going to be the right fit for you and how you can become an AAA tenant!

Some Topics Covered

Today’s Landlord/Tenant relationship

  • Sometimes the tenant is more wealthy than the landlord

How you can be a good tenant

  • Be prepared before going to inspections
  • Don’t stretch yourself financially
  • Set a budget for yourself and stick with it
  • Figure out what your “must haves” are before looking for a place

Toni’s Rental Inspection Checklist:

What you need to know about the rental application process

What property managers and/or owners look for in a tenant

  • Excellent rental history
  • Enough income to pay rent every month

What happens after you’ve been approved

  • Usually have to pay a bond plus first month’s rent

Why you need to think of yourself as a property owner

Negotiating the rental payment date

  • Many property management companies will work with you

Why it’s so important to pay rent on time

Requesting maintenance

  • Be reasonable
  • Don’t expect people to come after business hours unless it’s an emergency

Moving out of a rental

  • Leave it clean
  • Remember to pay all bills before leaving. It will hurt you later if you don’t


Toni welcomes questions and comments! Feel free to email her at!

To subscribe to the podcast, please use the links below

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If you like the show, please consider leaving the show a review in iTunes or Stitcher. A couple minutes of your time can help the show immensely! Thanks!

Why do some apartments have different titles? Property Insider Secrets Ep.16

Toni Planinsek explains Company Share, Stratum and Strata

Before you fall in love with an apartment and start bidding, it’s important to know the type of title attached to the unit. It may seem a bit boring, but a title can make a big difference in an apartment’s value and your ability to secure financing.

On this week’s episode, Toni explains the three common types of Apartment Titles, the history of each, and why some real estate agents might conveniently leave out some important facts when trying to sell you a unit.

3 Revenue Streams from Rentals: Property Insider Secrets E. 12

Toni explains what you need to know about rental income and the cooling off period!


Did you Know there are 3 revenue streams from a rental property? Many new investors think only of the rental income when assessing a potential investment property. That’s a big mistake because there are two more income streams they are missing!

In this ‘Property Insider Secrets’ episode of ‘Real Estate Matters’, Toni talks about the 3 income streams from a rental property and what you need to know about each before assessing a potential investment.

The question of the week is about the ‘Cooling Off Period’ where a purchaser can cancel a contract with minimal consequence. There is a lot of false information about this and the rules vary from state to state. It’s very important that you know the specifics of the cooling off period in your state before signing a contract!

Some Topics Covered:

The 3 Revenue Streams from Rentals:

Rental Return %:  The rate of income return over the cost associated with an investment property

  • Sometimes this will not cover the monthly mortgage.
  • Remember that in general, the monthly mortgage will remain the same while the rent you are able to charge will increase with time.

Capital Gains: The increase in your property’s value. This (roughly) doubles in value every 7-10 years (no guarantees).

Government Benefits: The tax incentives you can claim by owning a rental property.

  • Negative Gearing : If the total costs of the property is more than the income it generates you can claim this “loss” for tax purposes
  • Don’t count of this. Politicians could easily take this incentive away.
  • As your rental income goes up this will be less of a factor

Question of the week: Information and misconceptions regarding the “Cooling off period”

Toni welcomes questions and comments! Feel free to email her at!


To subscribe to the podcast, please use the links below

Click Here to Subscribe via iTunes

Click here to Subscribe via Stitcher (Android users)

If you like the show, please consider leaving the show a review in iTunes or Stitcher. A couple minutes of your time can help the show immensely! Thanks!

What comes with a property? You need to know! Ep 8 – Property Insider Secrets

Make sure you know the difference between a "fixture" and a "chattel" before you buy or lease a property!

Do you know the difference between fixtures and chattel? It’s important you know before you buy or lease a property since owners can take chattels but they cannot take fixtures, without specifying what they will be taking in the contract.

Unfortunately, it’s not always obvious whether an item is a fixture or chattel, and there are some gray areas. Listen in to this “Property Insider Secrets” episode as Toni explains the difference between chattels and fixtures and what you need to know before buying or leasing a property!

Key Takeaways:

  • Fixtures are usually secured to the structure and are difficult to remove.
    • Owners/former leaseholders cannot remove these unless specified in the contract
  • Chattel includes items that can be taken away by the owner/former leaseholder
    • ex. Window furnishings
  • Most appliances are considered to be fixtures, but some can be considered chattels
    • ex. A dishwasher with wheels could be considered a chattel
  • In a lease agreement, the landlord is required to maintain fixtures and chattels which are included
  • Plants and trees are considered fixtures unless potted
  • Toni’s Tip: Take pictures of the property during your first walk-through, especially if you are concerned something might be taken
  • If the property includes a separate garage and/or storage space, make sure to go see it for yourself


Toni welcomes questions and comments! Feel free to email her at or check out more free resources at

Renting in New York – What You Need to Know Ep. 5

With Sarah Galvin - renting in NY what you need, what is different and the same with renting in Australia.


So you’re planning a move to another country, perhaps across the world! Have you researched how to rent property in that country? Or what kind of consumer protection you will have?

There are always differences in renting procedures from one place to another, and it can be dangerous  and costly to make assumptions.

In this episode, Toni interviews Sydney-sider Sarah Galvin, who recently moved to New York with her husband and 4 young children.

Sarah discusses the differences in the process of renting in a new country, and some tips on what to prepare so you don’t miss out on the perfect home. Subscribe to Real Estate Matters podcast and learn from your own personal Real Estate Mentor, Toni Planinsek. Learn the tips and tricks of real estate so you can be confident in leasing, buying, or investing in your own property.