Real Estate in Toronto

Inherited 1/4 of my family house. My mothers name is on the title and wants to buy me out cash for my share and become full owner. Prices have gone up 20% since last year and 15% over the year prior. Yet, there is currently a period of flux due to a government announcement regarding a foreign buyers tax to cool the market. It appears this has worked as the market is now better supplied, therefore pace of annual price has slowed. Nobody wants to sell, nobody wants to buy.

These are really my two options:

1. Take the current cash offer for 1/4 of the house at market value.

2. Take a PORTION of the cash now, equal to a certain percentage and leave the rest as an investment for the next 2-3 years.

Any input is appreciated. Cheers!

My uncle is the executor and wants to sell the house and give me my portion. My mother wishes to stay in the house for another 3 years and buy my portion from me and have my portion transferred to her, in return. She also wishes to leave me and my sister, equal shares of her interest in the house when she passes.

The problem: My Mother doesn't have 300,000 cash to give me without taking a loan, she is retired and 3 years away from govt pension, currently she gets company pension.

What would be the best way for me to take a small portion now and set something up to ensure I protect my inheritance over next three years until they sell?

what kind of loan would she take.. a secured loan using the house as collateral? take a 2nd mortgage?

Hey thanks for the input fellas

I am going to hold.