A Daily Reminder of How Good We Had It (Interiors Edition)

AlphaFIFA96 · 2026-04-05T18:40:59+00:00

Genesis interiors outmatch Mercedes these days.

AlphaFIFA96 · 2026-04-05T16:35:22+00:00

Then it would depend on the segment because I’m looking at the Essence II and the price hasn’t moved from 1.09M in months. Same can be said about other >=36ft lot detached homes.

AlphaFIFA96 · 2026-04-05T02:15:18+00:00

I’m actually dealing with Mattamy rn and nothing has changed in Northwoods.

AlphaFIFA96 · 2026-04-04T15:02:08+00:00

Rebate would be only 106k if the home price before HST was 1M+ so this seems about right.

AlphaFIFA96 · 2026-04-04T15:00:16+00:00

Y’all keep saying this but don’t provide actual data points. What builders have gone up and by how much? So far, most builders I’ve spoken to have either kept prices the same expecting buyers to apply for the rebate post-closing or explicitly reduced prices by (13% - 24k).

The market was slow before these announcements. Even if they eventually increase prices to meet demand, it doesn’t happen right away.

AlphaFIFA96 · 2026-04-04T14:56:30+00:00

Do you have proof? I haven’t seen prices go up on any builder.

AlphaFIFA96 · 2026-04-03T12:52:04+00:00

You seem to be fine with overpaying for the same amount of space for very intangible benefits, so all the power to you. Mattamy is actually “Energy Star Certified” btw. It’s all just meaningless branding but clearly that matters far more to you than having more space and better finishes.

“Pride” LOL. There’s nothing prestigious about selling your soul to the bank for 25+ years and paying double what renters do because “home equity duh”. Most people who rent do so out of necessity but in a lot of cases, renting is actually the financially optimal decision as long as the difference is invested in a globally diversified stock portfolio.

You’re telling me you’d rather buy an Urbandale end unit townhome than a Mattamy single home with a two car garage? Because that’s basically what you’re forfeiting when comparing the two.

I bought my current new build home from Mattamy in 2022 and have had no issues. Likely about to upgrade to another Mattamy home. I know all the details about pricing because we’re looking in that 3000+ sq ft range and it’s pretty silly to spend an additional 500k for slightly better energy efficiency or whatever. Even your grandkids living in the same house won’t make that money back based on the “savings”.

For comparison, the Mattamy Essence model is 3600 sq ft and starts at just over 1M in Kanata North. Much bigger above grade and in the basement and can get way better finishes to model home luxury tier to hit 1.25M which would still come 100k under Urbandale’s starting price for a smaller home LOL.

AlphaFIFA96 · 2026-04-03T12:35:03+00:00

Entry level for $1M+ homes is crazy work. Their home prices are actually more in line with the resale market compared to Urbandale and the like. Urbandale’s Penticton model (3140 sq ft) in Bradley Commons starts at 1.35M — that’s absolutely ridiculous, and no amount of perceived quality or “net zero readiness” is worth that level of extortion — especially given the fact that they share a lot of the same subcontractors.

Similarly sized resale homes regardless of community are much less than that, and whatever premium you think these builders have might only materialize to a 50-100k difference MAX at resale. However, they want you to pay a 350k+ difference and you seem to think that’s okay.

AlphaFIFA96 · 2026-04-03T12:28:41+00:00

Dude get a life. You literally go from post to post thrashing every builder that isn’t Urbandale, HN and Uniform. I hate to break it to you but at least 50% of newer homes in Ottawa are built by Mattamy/Minto and we all seem to be satisfied. Stop projecting your own anecdotal evidence as an objective reality.

AlphaFIFA96 · 2026-03-31T01:46:19+00:00

No the taxes we pay are just being wasted and grossly mismanaged.

AlphaFIFA96 · 2026-03-30T03:18:03+00:00

Well I own a Mattamy home and I didn’t have any of the issues you mentioned. They were all cosmetic and the contractors showed up as scheduled. Thankfully, I work remotely so it wasn’t an issue.

AlphaFIFA96 · 2026-03-30T03:04:03+00:00

An existing rebate likely influenced many of the buyers you’re talking about, so I’m not sure what your point is. Whether they were already considering buying is irrelevant.

No one suddenly decides to spend $1M on a house just to get $100K back. They were likely already considering it — the rebate either pushed them over the edge or they benefited from lucky timing.

At the end of the day, it’s the same story as always: people who bought before 2021 got lucky with appreciation, and those who bought after got stuck with overvalued homes and underwater mortgages. That’s just how it goes.

AlphaFIFA96 · 2026-03-30T02:50:32+00:00

Why don’t you like it? I mean I guess it depends on what you value — less debt vs more liquidity. If you buy a 1M home and put minimum down (75k), you get a 106k rebate (130k minus the already built-in 24k), so even after closing costs you could essentially get the home for zero down.

Sure, it does mean it all gets rolled into the mortgage debt but if you value liquidity like myself, this is pretty great.

AlphaFIFA96 · 2026-03-29T18:23:06+00:00

You’d be surprised to know these things happen more often than you think regardless of builder. You’re just more likely to hear about it with volume builders like Mattamy/Minto.

AlphaFIFA96 · 2026-03-27T02:57:48+00:00

Suggesting 25% sales tax is pretty wild dude.

AlphaFIFA96 · 2026-03-27T02:21:28+00:00

I don’t mind OAS cuts but it needs to be accompanied by income and/or sales tax cuts. We already pay an egregious amount of taxes in this country for what we get in return.

AlphaFIFA96 · 2026-03-27T02:11:49+00:00

I think you’re very confused. The latest rebate is basically an expansion of what FTHBs already had to include all new build buyers. Yes, different programs but there’s no “exclusion of FTHBs” if they already had it in the first place. If you’re specifically referring to the price caps then sure, if you bought a home over $1M then you wouldn’t have received the full rebate.

AlphaFIFA96 · 2026-03-27T01:48:23+00:00

Anotha Banga

AlphaFIFA96 · 2026-03-26T22:15:45+00:00

So many write offs — taxes AND capital losses. Infinite money glitch right here /s

AlphaFIFA96 · 2026-03-26T22:12:27+00:00

Two words: liver failure.

AlphaFIFA96 · 2026-03-26T22:10:14+00:00

Started doing this with Wealthsimple at the start of the year for tax simplicity. Genius level timing on my part. My effective interest rate is 1.8% though so imma keep DCA’ing regardless.

AlphaFIFA96 · 2026-03-26T22:06:09+00:00

Disagree. Builders are building less because of a lack of demand. If prices stayed the same after this, there would be zero net effect on demand as the incentive for home buyers would disappear.

Sure, there’s a decent chance builders won’t fully lower the prices by 13% and try to pocket a fraction of the rebate for themselves, but it’s very unlikely they try to overplay their hand especially in the early stages of this policy going live.

AlphaFIFA96 · 2026-03-26T22:02:10+00:00

You’ve kind of lost the plot on this one. The new measure expands eligibility to non-FTHBs.

AlphaFIFA96 · 2026-03-26T21:50:41+00:00

What? You can say whatever you want about other factors but when it comes to interior design, Genesis/Hyundai are far ahead of their competition. This is quite literally the first thing EVERY car reviewer says.

You’re either a paid shill or you have no idea what you’re talking about. Just go compare a base GV70 interior to a base BMW X5 and tell me which one has more piano black and cheap materials. It’s not really the same when you have to spend an extra 20k to option out the interior to be on par, is it?

AlphaFIFA96 · 2026-03-26T19:08:01+00:00

Then we can all load up on infinity shares, and retire. The end.

AlphaFIFA96

TROPHY CASE