THRIVE EDUCATION PRESENTS
UNLOCK THE
CONDO CODE
For Savvy First-Time Homebuyers · Mimico Chapter
Learn the step-by-step formula to buy your first Mimico condo with as little as 5% down, right as the market turns and everyone else is still looking away.
Attend live and get a 1-week free pass to F45 to try out all their classes. A $99 value, free.
CLAIM YOUR FREE SEATLive Virtual Event · Saturday, November 7, 2026 · 1:30 PM ET
Free Registration · First 30 Get a Free 1-on-1 Health Check
WATCH BEFORE YOU REGISTER
WHAT YOU'LL GET FROM YOUR FREE SEAT
THE PROMISE
YOU DON'T NEED TO GUESS. YOU NEED A FORMULA.
In 45 focused minutes of training, followed by live Q&A and networking, you'll get the complete picture most first-time buyers spend years piecing together: why the market is where it is, where it's heading, how to make your money go further, and exactly how to buy like a savvy buyer in Mimico, one of the most sought-after condo markets in the city.
12 MODULES · 3 PARTS · 1 CLEAR PLAN
THE CURRICULUM
WHAT YOU'LL WALK OUT KNOWING
Twelve modules. Three parts. Everything a first-time buyer needs to go from unsure to ready.
PART 1 · MODULES 1 TO 4
READ THE MARKET
The Mimico Advantage
Why Mimico is one of the most sought-after condo markets in the city: waterfront living, trails and parks, GO Transit to Union in about 15 minutes, and a rare mix of resale and new construction. Learn to read this market block by block, not by city-wide headlines.
How We Got Here
The honest story of why the condo market is where it is today: rising rates, an investor pullback and a wave of new completions. Once you understand the cause, the opportunity becomes clear.
The Way Out
How governments intend to get the market moving again, and what those policies mean for buyers who are ready to act before the crowd returns.
The Opportunity Most Buyers Are Missing
What the market could look like in just a few years for people who take advantage of today's window, and why a shrinking supply of new condos matters more than most buyers realize.
PART 2 · MODULES 5 TO 9
MASTER THE NUMBERS
Renting vs. Owning: The Math Has Shifted
Why the rent-or-own decision looks completely different than it did just a few years ago, and a simple framework to see which one is really putting money in your pocket over time.
The Price Code
Every factor that moves price, decoded: supply and demand, interest rates, population growth, employment, income and government policy. Stop reacting to headlines and start reading the signals yourself.
The New Construction Ripple
How today's new-construction and pre-construction trends will shape the resale market you buy into, a lot more than you might think.
Stretch Your Budget, Shrink Your Interest
Financing, affordability and the practical hacks that help you stretch your budget or pay less interest over the life of your mortgage. Small moves that make a big difference.
The Government Is Your Partner
First-time buyer incentives in plain language: how the government has partnered with today's buyer to help you get into the market, including new-home HST rebates of up to $130,000 on qualifying homes.
PART 3 · MODULES 10 TO 12
BUY LIKE A PRO
The Savvy Buyer Playbook
The psychology behind great buying decisions: why most people wait for certainty that never comes, how fear and headlines steer the crowd, and the mindset savvy buyers use to act with confidence while others hesitate.
Your Plan B, C and D
Buy with a backup plan that holds up in any future. Plan B: turn it into a long-term rental using the cash flow model. Plan C: short and mid-term rental income on Airbnb, Booking.com and more. Plan D: start the race at zero with a below-market purchase.
Securing Your Future
The perspective shift that changes everything: how to think about a deal, how to judge an opportunity on its own merits, and how to put the formula for success to work so your first purchase builds the future you want.
IN YOUR INBOX THE MOMENT YOU REGISTER
THE SAVVY CONDO BUYER TOOLBOX
6 tools and resources that turn "can I even afford it?" into a one-page plan you can print and bring to the bank. Valued at $199. Yours free when you claim your seat.
TOOL 01 · SPREADSHEET
The Savvy Buyer Master Calculator
Enter your income, savings and the home you're eyeing. It works out your maximum price, true monthly cost and cash needed on closing day, then builds your one-page My Plan to bring to your health check.
TOOL 02 · SPREADSHEET
Rent vs. Buy Wealth Model
Ten years, side by side: what happens to your money if you keep renting, what happens if you buy, and the year owning pulls ahead. Your numbers, not a headline.
RESOURCE 03 · GUIDE
First-Time Buyer's Roadmap & Incentives Checklist
From pre-approval to keys: every step, who does what and how long it takes, plus every program that can put money back in your pocket, from the FHSA to land transfer tax refunds.
RESOURCE 04 · GUIDE
The Status Certificate Guide
The biggest mistakes condo buyers make, the ten things to check in a building's status certificate, and the exact questions to ask your lawyer before you firm up.
RESOURCE 05 · REPORT
Humber Bay Neighbourhood Report
The local picture first-time buyers rarely get: the buildings, the price ranges and what's changing in the neighbourhood, so you can read the market block by block.
RESOURCE 06 · GUIDE
Resale vs. New vs. Assignment Guide
Three ways to buy a condo, compared: the costs, the timelines and the risks of each, so you choose the path that fits your budget instead of the one you heard about first.
EVERYTHING THAT COMES WITH YOUR FREE SEAT
| Live virtual seminar, Saturday, November 7 | $69.99 |
| Savvy Condo Buyer Toolbox, all 6 tools and resources | $199.00 |
| 1-on-1 financial health check with Tiffany Group (first 30 only) | $99.00 |
| One-week F45 pass (when you attend live) | $99.00 |
| Instant evaluation of what you can afford | Included |
| Total value | $466.99 |
YOUR PRICE TODAY: FREE
No credit card. No obligation. Your toolbox lands in your inbox the moment you register.
Calculator results are estimates for planning only, not financial, legal, mortgage or tax advice. Confirm all figures with licensed professionals.
WITH SUPPORT FROM
OUR SPONSORS
Local businesses who believe a healthy body and healthy finances go hand in hand.
Elite Sponsors
Tiffany Group Financial
Mortgage specialists who help first-time buyers qualify, plan and save. Every registrant gets access to their pre-qualification survey, and the first 30 get a free 1-on-1 financial health check.
F45 Training Humber Bay
Our venue partner and a cornerstone of the Humber Bay Shores community. Registrants who attend live unlock a free one-week pass to try every class.
Gold Sponsors
My Supplements
Supplements, wellness products and gym essentials with same-day delivery, right on Lake Shore.
Paul's Coffee
Toronto's first mobile specialty coffee truck, now pouring at Palace Pier and Humber Bay Park.
IS THIS FOR ME?
BUILT FOR FIRST-TIME HOMEBUYERS
If any of these sound like you, you're exactly who this seminar was built for.
"I don't think I can afford it."
You may qualify for more than you think. As soon as you register, you'll receive a short survey from our mortgage partner, Tiffany Group. Answer a few simple questions and see how much you can afford, plus the savings and incentives you could qualify for.
"Isn't renting just easier?"
A 1-bedroom with parking in Mimico rents for about $2,300/month. Over the typical 2.5-year stay, that's $69,000 paid in rent with nothing to show for it. Owning a similar $450,000 unit with 10% down costs roughly $213/month more, while paying down about $20,000 of your own mortgage in the same time. Run your own numbers with the rent vs. own calculator in your toolbox.
"I'm not ready to buy at today's prices."
Today's prices may be the opportunity. The Mimico condo benchmark sits around $616K, down from a peak near $810K. Toronto condo inventory sits at 5.7 months, versus 0.61 at the 2022 peak and about 3.25 in a balanced market. That's a buyer's market. In April 2026, Urbanation's Shaun Hildebrand said, "It's probably safe to say that we've hit the bottom."
"I'm not sure buying is right for me."
The first 30 people to register get a free 1-on-1 financial health check call. In one conversation we'll cover where you are today, what your goal is, what has changed in your life and what challenges stand in the way, so you leave with a clear, honest answer on whether buying is right for you.
"I don't want to waste my time."
45 focused minutes of training. Twelve modules. A Savvy Condo Buyer Toolbox, a free affordability evaluation, a financial health check and a week at F45. $466.99 in value, free. No pressure and no obligation: if now isn't your time, you'll still walk away knowing exactly what it would take.
"How do I know when it's time?"
You won't figure it out alone. Connect with like-minded people at the same stage of life, all showing up to learn what stands between them and their goals. And the moment you sign up, your Savvy Condo Buyer Toolbox lands in your inbox, so you arrive with the perspective you need.
Market figures: Mimico benchmark and Toronto condo months of inventory from local board data; rent vs. own example assumes a $450,000 purchase, 10% down, 30-year amortization at 3.6%, with maintenance and property tax. Market commentary reflects the stated views of named experts and is not investment advice.
REAL CLIENT STORIES
THEY THOUGHT THEY'D NEVER GET IN
For 18 years, we've helped first-time buyers take the step they were sure was out of reach.
Carmen · Humber Bay · First home, 2026
"I thought I'd never get in."
Carmen was renting in Humber Bay with her partner and their two-year-old son. Watching friends buy before her, she was sure prices and her income had put ownership out of reach, and that buying would be so complicated it would pull her away from her work. After four years of rent at $1,600 to $2,000 a month, close to $90,000 had gone to a landlord.
When we broke the process into steps, the first thing she felt was relief. She needed 5% down. On a $450,000 home, that's $22,500: a target she could work toward. She bought with the right principles and clear expectations about the real costs of ownership, and her monthly payments came in close to what she'd been paying in rent.
She isn't floating in the market anymore. She has an anchor, and she's building her son's future on it.
Charbel · Regent Park · First condo, 2017
"A small seed, planted early."
In 2017, Charbel was a master's student living a simple life, focused on his studies. Buying felt unnecessary, until he came around to the idea that a small move today could create security later. He bought a 1+den in Regent Park for $365,000 with 5% down ($18,250), and didn't need a mortgage until closing years later.
In 2021, newly married and moving to Ottawa for a great job, he asked what his condo was worth. We sold it for $695,000.
His $18,250 had grown into roughly $300,000, enough to put a third down on a much bigger house for his growing family.
Client stories shared with permission; figures are approximate. Past results don't guarantee future outcomes.
YOUR SPEAKERS
MEET THE TEAM
Each speaker covers a different piece of the puzzle, so you get the whole picture in one room.
Broker of Record, Royal LePage Signature-Samad Homes Realty
Omar Samad
Omar has shared the stage with Robert Kiyosaki and Brian Tracy, and was among the founders of "Cut The Money Gap" and "Behind the Headlines." A mechanical engineer by training, he turns the market into a system you can follow.
What he brings you: the big-picture strategy, the savvy buyer playbook and your Plans B, C and D.
Co-Founder, Thrive Education · Sales Rep, Royal LePage Signature
Isra Sattar
Isra lives in the community and works closely with first-time buyers, turning market data into a plan people can actually act on, from pre-approval to closing day.
What she brings you: the Mimico market data, the rent vs. buy math and the first-time buyer incentives.
Mortgage Specialist, Tiffany Group
Max Raphael
Max helps first-time buyers qualify with confidence: buying with less than 20% down, monthly carrying costs, closing costs and what it really takes to get approved today.
What he brings you: the financing foundation every first-time buyer needs.
F45 Training Humber Bay · Venue Partner
Connor Harris
Connor welcomes you into the F45 Training Humber Bay community, the venue partner behind this seminar and a cornerstone of Humber Bay Shores.
What he brings you: your free one-week F45 pass when you attend live, and a community that keeps you moving while you plan your next move.
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RESOURCES & AFFILIATIONS
The data and networks behind this seminar
YOUR SEAT IS FREE. THE FORMULA ISN'T A GUESS.
Join Thrive Education on Saturday, November 7, 2026 for Unlock the Condo Code: Mimico Chapter, built for first-time homebuyers ready to stop waiting on the sidelines. The first 30 registrants get a free 1-on-1 financial health check.
CLAIM YOUR FREE SEAT
Thrive Education is presented by Royal LePage Signature-Samad Homes Realty, Independently Owned and Operated Brokerage.
Educational content only; not financial, legal or investment advice. Market commentary reflects the stated views of the named experts and speakers and is not a guarantee of future results. Not intended to solicit buyers or sellers currently under contract with a brokerage.
© 2026 Thrive Education · Privacy Statement · osamad@samadhomes.com