Keep Your Home, Grow Your Wealth

A way for Toronto homeowners to stay in the neighbourhood they love and let the value of their land work for the family. It suits long-time owners planning their retirement, families who have inherited a house, and parents who want a grown son or daughter living on the same land. There is no outside buyer, no listing, and no need to leave the neighbourhood. Here is how it works.

Nothing is signed at a first conversation.

What FoxyHome does, in plain words

You have a house in Toronto. It is paid for, or close to it. The bills keep going up and the income does not. Or the house has come to you from a parent, and the family does not want to sell it to a stranger.

Until now you had three choices: sell and move away, downsize, or take a loan against the house. Here is the fourth one.

Your house is replaced by six or seven new homes on the same land.

You own most of the new building, together with FoxyHome. There is no outside buyer, no listing, and you never have to leave the neighbourhood.

Where does the value come from? The new building is worth many times more than the land it stands on. That is certified by independent professionals, not our opinion.

We are paid through the building, not by you. We will show you how when we meet.

How it works

Six steps. Your family and your own lawyer can be part of every one of them.

1. Reach out today. Fill in the short form with the address of the home. We check whether the lot fits the program and write back to you with the answer. It is free and commits you to nothing.
2. We talk. If the lot fits, we set up a first conversation - by phone first, then in person wherever you are comfortable: our office, a coffee shop, or your kitchen table once you know us. Bring your children and your questions.
3. We look at your property. We check whether your lot fits the program and show you what could be built on it. Approval depends on the lot, the survey, zoning and permits.
4. Your own lawyer reviews everything. A lawyer who works for you, not for us. Nothing moves forward without them.
5. The price is locked, then we build. Before we start, the builder signs a fixed-price contract (a CCDC 2, the standard Canadian construction contract). If it costs more to build, that is our problem, never yours. Your home during construction is paid under that same contract.
6. You come home. You can live in one of the new homes. We find the tenants and manage the building. You receive your share of what the building earns.

Your protections

This is how every conversation with us runs, and you can hold us to it.

• You read a plain-language disclosure of the risks before anything moves forward.
• Your family can be in every meeting.
• Your own lawyer signs off before anything moves forward.
• Nothing is signed at a first meeting.
• Everything is in writing.
• No number is ever guaranteed - we give you estimates, not promises.

Our work

A Toronto builder for over 30 years. The completed buildings are ours - we built them and we run them today. The first family partnership, at 5 Knight Street, is under construction now. Come and see them. We have also built seventeen Princess Margaret Grand Prize Homes in Oakville.

We build them, we manage them, and we stand behind them.

• 12 Batavia Avenue - Completed
• 21 Batavia Avenue - Completed
• 50 Castleton Avenue - Completed
• 5 Knight Street - Under construction
• 23 Ross Street - Completed

Common questions

Do I have to sell my home and leave?

Your property goes into a partnership that you own most of, and the new homes are built on it. There is no outside buyer, no listing, and you never have to leave the neighbourhood. Your own lawyer walks you through how the ownership works before you sign anything.

Who pays for the construction?

FoxyHome stands behind the construction financing. The builder works under a fixed-price contract, so if it costs more to build than planned, that is the builder's problem, never yours.

Where do I live while it is being built?

In one of our luxury furnished rentals, paid under the construction contract at no cost to you and arranged in writing before anything closes. It may or may not be nearby, depending on availability; either way, we take care of your family.

Can I live in the new building afterwards?

Yes. You can live in one of the new homes, and so can an adult son or daughter. If you would rather be somewhere else nearby, we place you as close as we can to where you want to be, subject to availability.

What do I actually own afterwards?

A registered ownership share of the completed rental building - a documented interest you can leave to your children. It is a share of a building, not a house you can sell on the open market next week. Your lawyer explains what that means for you before you decide.

Can my children be involved?

Please. We ask that your family sit in on every conversation, from the very first meeting.

What if I decide not to go ahead?

Then nothing happens. There is a cooling-off period, and you can stop at any point before signing at no cost and no penalty, other than your own lawyer's fee. Take the time you need.

Who looks after the tenants and the building?

FoxyHome does - leasing, management and maintenance, for the long run. You are an owner, not an operator.

Does my property qualify?

The program is for detached homes in Toronto. Whether a lot qualifies depends on the lot itself, the survey, zoning, permits and the neighbourhood. Contact us and we will check - it costs nothing to ask.

How is FoxyHome paid?

Through the building, not by you. Our fees are set out in the documents your own lawyer reviews before you sign.

How do I know this is not a scam?

You should ask that. Here is how to check us: read the plain-language disclosure of the risks, take everything to your own lawyer and your children, and look at the buildings we have already finished in Toronto. We insist on the lawyer.

If it goes wrong, do we lose the house?

The structure carries real risk, and this is where it sits. The partnership owns the land and the building and can appoint a replacement general partner, so the possibility of FoxyHome itself failing is a real scenario your own lawyer should test. As a limited partner you would not owe more than you contributed, and you also would not control the building.

Ask us about your home.

No pressure, no paperwork. Tell us where the home is, and we will write back and tell you whether your lot fits.

What happens after you send this

We look up the lot - its size, the survey, the zoning - and write back to you.

If the lot fits, the next step is a first conversation - by phone, or in person wherever you are comfortable - and your children are welcome to join. Nothing is signed at that meeting or any first meeting.

By sending this, you agree that FoxyHome by PCM may contact you about your property. We use your details to write back to you about your lot and to reach you about it. You can ask us to remove them at any time.

FoxyHome by PCM - a Toronto builder for over 30 years. Nothing on this page is an offer, advice or a guarantee. The signed program documents govern.

FoxyHome by PCM does not provide mortgage brokerage, tax, or financial advisory services. For financial advice, please consult a qualified professional.