I Live In A $250K Houseboat In Toronto, Canada

I Live In A $250K Houseboat In Toronto, Canada | Unlocked

Рет қаралды 362,473

22 күн бұрын

Kate Fincham, 35, has lived in a houseboat in Toronto, Canada for the past three years. She purchased her home for $250,000. Kate is a content writer and lives with her two cats.
Unlocked is a home tour series focused on how much people across the globe spend on their housing, what they get for the money and what they had to sacrifice to make it happen.
Produced by: Valentina Duarte
Managing Producer: Beatriz Bajuelos
Camera: Nicky Young
Editor: Marisa Forziati
Animator: Elham Ataeiazar
Additional Footage: Kate Fincham
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I Live In A $250K Houseboat In Toronto, Canada | Unlocked

Пікірлер: 457

@michaelfrancesco7762 7 күн бұрын

*Think financial independence look up Donald Nathan Scott.*

@vincentorlando6767 18 күн бұрын

There's pros and con's when living on a house boat. Anyone thinking of doing this may try renting first, or spending a weekend or a few on a sleeper boat to get an idea on what its like to live on the water. She is not discussing storms, cold weather, smells associated with water/docks, noisy neighbors, boats coming and going, sometimes issues with power, water, sewer systems provided by dock services, etc.

@TripReviews 17 күн бұрын

My biggest concern is living on a freshwater lake. In winter and keeping the ice from developing around the hull, power goes out and you’re in deep trouble.

@TheJlee28 17 күн бұрын

I love it but can’t as I have osteoarthritis 😂😂😂😂

@cynthiawills8944 17 күн бұрын

Absolutely phenomenal

@Rookblunder 16 күн бұрын

What do you expect for 500,000 dollars...............

@ThePianoreed 15 күн бұрын

she said the houseboat doesn't have a motor....how does she get the boat up & out of the water to scrub the rust & scum off it to paint it? must be done every couple of years she says🤷‍♀that must be expensive

@Jessie-J 20 күн бұрын

It’s beautiful to see this lovely woman so happy. I wish her the best

@Ohnjay288 15 күн бұрын

My wife and I lived there for 10 years in a floating home and as the saying goes, “the two best times to own a floating home is the day u take ownership and the day u sell it.

@biljanas7931 15 күн бұрын

whys that?

@truetech4158 14 күн бұрын

@@biljanas7931 Well its not like you own the water underneath it, but the shoreline property owner is sure making moring fees bank from that $taint lawrence seaway riverbank tributary. Maybe they have one of those islands in dubai.

@IsraelistheJewsland 14 күн бұрын

Because you are living in a floating trailer park at a hight premium. When the house gets rundown you don't own the land so you have no real value

@blazingstar9638 13 күн бұрын

Lol right!

@truetech4158 13 күн бұрын

Some nefarious manipulators seem to have deleted my comment. That's always interesting to make note of.

@user-og2wt3le4j 19 күн бұрын

I have a friend who at one time was a housesitter. She would look after houses while people travelled. You move every few weeks or months to another location. She was able to avoid paying rent this way for 8 years. She also did boat sitting for clients for a three year period.

@Curious2Know2 18 күн бұрын

Would she get paid for housesitting? Otherwise, pretty hard to hold down a job when you're on the move all the time.

@user-og2wt3le4j 18 күн бұрын

@@Curious2Know2 When you have high speed internet, many of today's jobs can be done from home. She would also get a small stipend from the owners. But with rent out of the way it gave her more disposable income.

@fastenbulbous 14 күн бұрын

I could do that for a year, but always moving and not a having a home of your own for 8 years sounds very depressing.

@PabIoMexican 14 күн бұрын

$2000 in fees month is crazy. Even with the crazy housing prices in Toronto. You had $300k which could have been a good downpayment and then $2000 a month towards a mortgage. Could have bought a condo downtown of similar size.

@herbst1398 18 күн бұрын

It's a really worrying trend, but what's worse is that most people are closing their eyes to reality. Life in this country has become unaffordable due to politics. Now people have to live on boats and in "tiny houses" - of course, this is bitter and a real shame in the richest country in the world, but you should talk about it. In our society, there should be living space for everyone.

@chelseagirl278 16 күн бұрын

Canada is not the richest country in the world, the USA is - but I agree with everything else you have said. FJT!

@annemurphy8074 16 күн бұрын

@@chelseagirl278 JT is not responsible for inflation. People need to get educated on how things actually work instead of falling for conspiracy theories and bad information.

@clarkpalace 16 күн бұрын

@@chelseagirl278the usa is rich yes , but the people arent , so i dont agree. I do agree its getting unliveable in my country, Canada. I am senior so I will be ok , but .i dont see a peaceful future. I see a future , just not agreeable nor peaceful

@chelseagirl278 16 күн бұрын

@@clarkpalace this is exactly the same with Canada

@Amadeus_2061 14 күн бұрын

Amen to that.

@CulinaryGuide 18 күн бұрын

She has a cozy and idyllic home in an exciting city. I love this story. It is very inspiring.

@DixieC-vj2sg 15 күн бұрын

Love it, good for her. Toronto is expensive to the point of inaccessible in the last few years and she has a space for her that has outdoor area and access to a lake! So what if there are downsides to living on a boat, you can name just as many living in a house, suffocating condo, commuting, etc. She seems happy and her place is super cute! And different.

@guytoledano7215 20 күн бұрын

Good on her for finding a soultion to still live in Toronto!

@whcre5958 17 күн бұрын

October of 2020 bought with inheritance and borrowed money. So even house boats are unaffordable now!

@luckycatdad8369 14 күн бұрын

Nearly every home is bought with borrowed money.

@user-og2wt3le4j 19 күн бұрын

Looks like the Scarborough Bluffs in the background.

@timkelly7911 16 күн бұрын

That’s exactly what I was thinking’s

@julianb1474 16 күн бұрын

I know the Toronto waterfront pretty well, so I knew this had to be Scarborough

@user-hz1dy6yp5m 15 күн бұрын

It is.

@RahRan123 15 күн бұрын

you are correct!

@jackiefox7224 10 күн бұрын

Bluffers park marina, I suspect? We had a small sailboat in the 70’s and 80’s in Toronto Hydroplane and Sailing Club. Loved being on the water. I think though, winter would be more of a challenge.

@lucilletorres5989 20 күн бұрын

Such a serene home in the midst of such a serene location. So lovely to view.

@branscombe_ 16 күн бұрын

Thanks for sharing, you seem very kind, we wish you the best.

@seanhellmann7482 8 күн бұрын

I would like to see this video shot in the winter. Sure it is beautiful looking in spring and summer but lets not forget we have 6 months of winter in Toronto.

@camclarke8796 19 күн бұрын

Thank you for sharing your lovely home and water way-of-life! Living close to nature as opposed to being in an urban area is definitely a unique, vibrant way and having ownership is such a secure feeling as opposed to paying the banks for years make one the master and not the slave. I live on an old rustic wooden trawler in the Pacific North- West and love it's 72 year heritage. Many ways to seek fulfillment.

@TheRajuSharma 16 күн бұрын

This is awesome. Congratulations!

@aashay9969 19 күн бұрын

Here we go! Million dollar house boats with basements for rent.

@lalapopp73 13 күн бұрын

Beautiful area. I always wondered what one of those house boats looked like inside, and the tranquility. Good for her. Thanks for sharing 🫶🏾

@ash_posh_omg 16 күн бұрын

That's so cute! It looks like a tiny home from the inside! Very well designed🤩😍

@user-od9iz9cv1w 16 күн бұрын

Fascinating! I lived in a house in the Scarborough Bluffs. It is great to be close to the water. Being right on the water with the bluffs behind and the lake in front looks wonderful. I write this sitting on a deck overlooking Lake Muskoka. Love to be near the water. Not the easiest lifestyle, but far better life than living in a tiny Toronto condo that would cost far more to buy and to maintain. There you look out onto city.

@armenstaubach9276 17 күн бұрын

Good for her, she looks so wholesome

@stephen-he4iw 15 күн бұрын

Unfortunately it's because she's so oblivious to how financially wrecked she's gonna be with $1,500 in monthly expenses and no land or asset in 10 years

@DixieC-vj2sg 15 күн бұрын

@@stephen-he4iw But she will have lived well with more room and access to nature than most tiny condos in downtown Toronto. I lived there. Great city but those shoebox condos will drive you crazy after a few years. Besides, her monthly costs are not that high - she could have a lot saved in a few years and still enjoy living well in the meantime.

@Hugo-nw2su 14 күн бұрын

Right? I want to bring her some fresh croissants or something.

@Spartan168 7 күн бұрын

@@stephen-he4iwlike any other renter?

@charletfoster8917 18 күн бұрын

I ❤ her story 👏🏿👏🏿👏🏿

@chiclett 14 күн бұрын

Kate seems like a lovely happy young lady. So happy for her.💌

@TheBohemianStyle 18 күн бұрын

I would love to visit you. We haven’t gone to your area in about a year now, and we did walk by your home. I would love to wake up to then peaceful space, feeding the ducks with healthy food, and enjoy the view. We always got the feeling that everyone is no nice there. Thank you for sharing.

@carolr7823 20 күн бұрын

Considering the outrageous cost of housing in Toronto, this is a great deal.

@StarLight-sl9ok 20 күн бұрын

Terrible idea, her mooring fees alone are outrageous. She should’ve just bought a condo near the waterfront.

@kiss748eeee 20 күн бұрын

Not if you consider she doesn’t owe any land. If her location kicks her out., she can’t just park the boat and have it livable anywhere

@mateofernando5066 20 күн бұрын

It's better than being homeless. Sadly, more and more people are being priced out of the rental market completely. But, I would rather buy a condo than live on a house boat. As she doesn't own the dock space or mooring space, the harbor master can evict all the houseboats if they have other plans for the dock. That's the downside. Which makes it very similar to renting. You are at the mercy of the landlord that owns the dock.

@denisenoles3159 20 күн бұрын

@StarLight-sl9ok She is pleased with her decision, so it doesn't matter what you think she should have done.

@Curling_Rack 19 күн бұрын

Scarborough

@JFeaser187 18 күн бұрын

One of the 25 float houses was listed recently for $700,000 CAD.

@Alien2799 10 күн бұрын

That is rediculous.

@futurestrader8798 16 күн бұрын

Love the decor

@michaelcowie837 11 күн бұрын

I know exactly where this is. At the base of the Scarborough Bluffs! Amazing area!

@dontirkkirk4534 20 күн бұрын

Awesome to hear aboat her boat

@markd4768 15 күн бұрын

That house is amazing! Gorgeous area and what a site ! I love your home! 👍🏻🇨🇦

@Deeveedends 19 күн бұрын

They only filmed a little of winter ❄️ Trust me, when it’s -20c out, you don’t wanna be anywhere near that water

@jwong1546 19 күн бұрын

When it’s -20c out, I wouldn't be in Toronto

@grantlingley1385 19 күн бұрын

@@jwong1546 Pretty rare to see Minus 20 C in Toronto but I get your point when the weather comes up and you are on the water. I live on the east coast with Nor’ Easter’s and winter storms can be extreme for sure!

@Curious2Know2 18 күн бұрын

@@grantlingley1385 I suspect quite a few owners also have chalets for the winter. If not, and there are others living on the water, time for a little visit and some hot rum toddies! Maybe bring some scones, too.

@xzhou 18 күн бұрын

Yeah -20c near the water is horrible but the cold is part of the Toronto charm.

@sottosotto4056 18 күн бұрын

last winter was super warm, i expect next winter to be the same

@christiabacon8001 14 күн бұрын

Beautiful inside and out!🏠

@silvias550 20 күн бұрын

Oh...best addition is the cat❤❤❤❤

@terriw919fyi 4 күн бұрын

She seems to be very happy, and I'm happy for her.

@FMG25 14 күн бұрын

Thanks for opening up your world to the outer world. What an incredibly beautiful and peaceful lifestyle. Didn't even know this exist in Toronto. Isn't wonderful when we can dwell in a peaceful and serene environment away from the hustle,bustle and noise of city life enjoying nature,peace and tranquility. Thanks for sharing. All the best.

@lucindapacker6510 16 күн бұрын

What a beautiful life ❤

@PeopleandPlacesTV 16 күн бұрын

Just found this channel. Nice!

@sarahmirella1500 15 күн бұрын

Winters would be crazy

@carableu 17 күн бұрын

Lovely home!

@andrewgeorgelang 14 күн бұрын

Oh how awesome it must be during the Canadian winters lol

@kathleenh.7956 5 күн бұрын

Hi Neighbour! Fellow Torontonian here and I'm so happy that you've found a spot in that cozy nook.

@02nupe 20 күн бұрын

This was different and pretty cool. Good share

@smarteveryday1606 15 күн бұрын

oh my, she really has a fantastic cozy houseboat.

@Azu858 15 күн бұрын

Awesome!

@killeresk 17 күн бұрын

Waterfront is not cheap but with it. Nice place.

@FineNaturalHairROCKS 8 күн бұрын

Very beautiful!

@FCTrinese 20 күн бұрын

Do one on Amsterdam house boats!

@digitnomad 15 күн бұрын

its beautiful, cozy, multifunction house

@murk959 11 күн бұрын

Omg finally somewhere in Toronto

@markkoritko4985 10 күн бұрын

Thanks for the great video my style of living

@AtomicDuck51 15 күн бұрын

Nice place. It does seem like a hassle in the winter. Good luck to her.

@sommebuddy 15 күн бұрын

Show us your home in winter.....anyone been on the Lake Ontario shoreline in Feb?.......

@Hugo-nw2su 14 күн бұрын

Go Kate! She seems so cool.

@michaelj.4187 10 күн бұрын

sending love to everyone...

@bluedeath4888 10 күн бұрын

I own a big house in Toronto worth $1.7 Million but your home looks so inviting, cosy and I must say living next to the water was always my dream. YOUR HOUSEBOAT HOME IS SOOO BEAUTIFUL! I dream of living in one and getting rocked by the gentle water waves with the duck and birds singing beside! You've made a very nice decision! ENJOY!

@veggienat1 15 күн бұрын

Sweet digs toots !

@FloatingHomesPortland 3 сағат бұрын

Beautiful. I built a custom 550sf floating house in Oregon.

@rickrussell8382 14 күн бұрын

Try going down the road in there. One lane each way. The road feeds a beach, a park and boat launch. Its packed every week end. Cars backed up all the way to the main road running east and west. Its like that every weekend from late spring to warm weekends in the fall. No thanks.

@zl6924 15 күн бұрын

Let's show US prices for a Canadian location, brilliant!

@novwin3169 16 күн бұрын

Wonderful nice idea..now can you do a -40 winter version of this video

@user-od9iz9cv1w 16 күн бұрын

Toronto never sees -40. But it is a wet cold grey winter. Looking out at that view would be great all 4 seasons IMHO. The lake moderates the temp extremes. On a hot sticky July day, go to the bluffs and you'll find it 10 degrees cooler. Same in the winter. Often it snows at the 401 and north. Down there it will be warmer and wetter.

@Hugo-nw2su 14 күн бұрын

Toronto has never had -40 weather huh

@user-od9iz9cv1w 14 күн бұрын

@@Hugo-nw2su Right. It got to -24F in 1859. In 2018 it made news hitting -8F. If you want to see cold weather, Edmonton AB is your place or go where Eskimos hang out. In my 50 years in Toronto, I find the weather grey and a wet cold like England, but not cold crisp and dry like -40.

@Hugo-nw2su 14 күн бұрын

@@user-od9iz9cv1w yup. We might get a couple chilly days in February but -20 is unusually cold. -40 is unheard of.

@Michael-zw6so 5 күн бұрын

Pretty interesting shelf

@Thoughtsbyme-ts4jz 19 күн бұрын

Love the house. I am going to organise the riot guys, boats are even so expensive now

@shawnresatz5339 14 күн бұрын

You are living my dream! I am so jealous.

@spacepastry5552 10 күн бұрын

You are lucky because houseboats are nearly 1M dollars. Wish you more happiness in your little lovely house.

@stephanielake71 4 күн бұрын

I would love this

@jimriggs9122 16 күн бұрын

That's a very nice house boat .Toronto and major cities are expensive. But if you work remote , there are 1000 s of small towns where $350,000 , will get you a nice house.

@ralex3697 15 күн бұрын

Absolutely but not if you want to live in Toronto

@butwhytharum 15 күн бұрын

@@ralex3697 you can get a decent condo for that price. Cost of the boat itself doesn't include costs to dock it.

@chelseagirl278 14 күн бұрын

@@butwhytharum not a condo in Toronto

@butwhytharum 14 күн бұрын

@@chelseagirl278 Jane and Finch you can snag a condo for 280ish.

@chelseagirl278 14 күн бұрын

NO ONE in their right mind would want to live there!!

@littleredridinghood5622 15 күн бұрын

I live in a small fishing village in Nova Scotia and I've often thought about a houseboat type cottage but I don't think it would work in my area because of the high waves and swells .. My youngest son has 2 condos in Toronto both are close to the CN Tower , he rents 1 out and lives in the other ..1 is in an older building and 1 is in a new building ..

@marciosilva9537 20 күн бұрын

Muito bom video! very good!

@paulafeener6725 16 күн бұрын

I curious how much wood you would typically use in a winter and where would you access it??

@impactfully5714 20 күн бұрын

I love your home 💕

@PhilipRawbon-rk8uv 14 күн бұрын

Well well..Bluffers Park..what for dinner at the Dogfish Inn?

@lavonnealexander6936 19 күн бұрын

I am happy for her, she looks happy

@user-vx8ku2ks7h 15 күн бұрын

How does that work in the winter? Doesnt the lake freeze?

@propheteyebert7063 15 күн бұрын

She's happy with the lifestyle, that's what matters. But the monthly cost is around $3000 cad for financing and mooring fees. Add to that, insurance, heating, maintenance, etc. So cost is probably similar to renting in downtown Toronto.

@Aidan_Au 18 күн бұрын

This is cool but please make the next one in Europe again

@Gritt982 14 күн бұрын

The visitors going to the Scarborough Bluffs have changed a lot since i was born. The park has to put up dozens of Port a potties just to deal with visitors going in the open. It's a dirty dirty city to be in unfortunately. However I grew up in Toronto and have fond memories of the Scarborough Bluffs in the 80s & 90s and the pretty little house boat community and the little bar at the end of the dock. I think it's unfortunate that people who grew up in the city can't really aspire to home on property real estate ownership. And rent generally takes more than is fair share of income.

@user-og2wt3le4j 19 күн бұрын

I gather she works from home. That saves her stress, time, and money from a long commute. Plus the scenery around the marina looks amazing.

@rosdavies1382 17 күн бұрын

It’s not a long commute. I live nearby and its abo

@TheJlee28 17 күн бұрын

@@rosdavies1382 where is it? Durham shore?

@jackthecanuck6736 16 күн бұрын

@@TheJlee28 I believe that it is Bluffers Park, the Scarborough Bluffs on the east side of Toronto. Folks have been living on houseboats there for years. I know some folks who lived on their sailboat there for about 4 years before they sold & moved north.

@TheJlee28 16 күн бұрын

@@jackthecanuck6736 so lovely 🥰

@illuminatedgecko4248 9 күн бұрын

@@jackthecanuck6736 yes it is the bluffs

@blazingstar9638 13 күн бұрын

I live right close to you! Do you know when they first created this, the price was *$14 000* (not including any fees etc) Unreal! Beautiful place though,great choice😊

@lapraxi 20 күн бұрын

Soon we are going to see people living in tree houses

@JJs_playground 20 күн бұрын

I've got a tree house for $100K to sell ya. lol

@stevenchow408 19 күн бұрын

No caves

@lavonnealexander6936 19 күн бұрын

😂that’s awesome

@Andrico77 19 күн бұрын

Or tents in the park 😮

@stevenchow408 19 күн бұрын

Live in space it's free

@somisworldviews 19 күн бұрын

AMAZING! She is an inspiration

@dredayful 19 күн бұрын

Beautiful ❤

@patpeterson2671 14 күн бұрын

I assume you live at Buffers Park marina , Scarborough .... south of Kingston Rd and Midland Ave

@didine256 20 күн бұрын

Mooring fees are a killer. Rather like throw this much money at a mortgage rather than wasting them forever... 💯

@Allister2000 20 күн бұрын

The mooring fee is almost like paying property taxes. In terms of "wasting," our government definitely doesnt waste that tax money. 🤣

@FCTrinese 20 күн бұрын

$10k a year is still cheaper than buying a house in TO lol

@JJs_playground 20 күн бұрын

Aren't they like property taxes?

@samelmudir 20 күн бұрын

condo fees can be similar too

@streetrunner8273 19 күн бұрын

@@FCTrinesetry 22k

@Maxmulham 12 күн бұрын

I don't really consider Scarborough Bluffs as "near downtown Toronto" but ok. I like it but I'm still skeptical on what it's like in winter. Winters can be brutal in those parts. And the inspection and repair fees that you said occur every 3ish years is what I'd really like to know more about.

@TazzChic-nz6hm 15 күн бұрын

Hi there - would you kindly explain how and where one would find these types of rentals? Much thanks

@jeremythebeer8609 2 күн бұрын

My wife and I would excel on a houseboat. We use 1/2 of our 2,000sf house at most. (We also live in the GTA, Ontario)

@sarge-T.O. 14 күн бұрын

Nice in the summer. All seven weeks of it.

@tillysanders2593 11 күн бұрын

Bluffers Park is beautiful .. the only snag is , much like the beaches, the entire area is swarmed and taken over by inconsiderate visitors setting up camp for the day., spoiling the enjoyment of local residents .

@youknowwithMartyKauffman 20 күн бұрын

This is very interesting

@ralph29203 18 күн бұрын

I lived in toronto the prices right now here is crazy especially housing, grocery and many more.

@vicp8772 14 күн бұрын

Only 1 person in Ottawa to blame, and he wears fancy socks

@robhodges883 14 күн бұрын

ENJOY

@moondoggie1968 15 күн бұрын

Where do you put it in the winter when the water freezes?

@991122bc 16 күн бұрын

Good idea, given the high cost of property in the city, what did the government do to help the average Canadian who are priced out of the market and suffering from high rent ??

@LifeofWalk 18 күн бұрын

I love TO! 😍

@user-zt6gu1ph7c 19 күн бұрын

Wow I’m really impressed with your house boat. Are there any hidden dock fees.? I love the whole concept. Thanks for sharing. Is it really costly in the winter for running heat.

@chelseagirl278 16 күн бұрын

it looks like she mainly uses the wood stove in the winter

@SuperBrad327 16 күн бұрын

Nice place but winter is definitely a concern

@janellef6902 20 күн бұрын

Very nice

@Mohnaj786 13 күн бұрын

if your going to show everything you should also invite me for dinner. i will bring the pop. lol. love to read on your deck for the day but must get noisy being downtown.