New vehicles, used vehicles, EVs, factory orders — every consultation is built around your specific deal. Remote, 1-on-1, and documented in writing.
Every new vehicle purchase has the same structure: invoice cost, holdback, incentives, financing, F&I, and trade-in. We work through all of it before you sit down.
A focused call built around one specific offer. Purchase, lease, or F&I package — we go through the numbers with you before you sign. You leave knowing whether to proceed, push back, or walk.
Not every trim is worth the upgrade. We work through exactly which package gives you the best value — and which options are margin for the dealer.
Where the margin sits on any vehicle is knowable — but it takes experience to read it accurately. In this session we walk through the numbers together: what the dealer paid, what incentives are in play, and where you have room to move. The goal is a shared understanding of the deal before you make an offer, not a data file you interpret alone.
This one decision can cost or save you thousands. We work through the actual numbers for your situation — your vehicle, your usage, your parameters.
Knowing the numbers matters. Knowing how to use them is what closes the gap. You'll leave with exact language for every stage of the negotiation.
The finance office is where most deals shift — and where most buyers are least prepared. Dealers earn more per transaction here than anywhere else. Every Holdback session covers this in full — it's the one stage of the Canadian car buying process that no pricing service or data tool currently addresses. Neither the vehicle price nor the monthly payment protects you in the finance office. Every product offered there — extended warranties, GAP, paint protection, credit insurance — has a markup. We cover exactly what's worth considering and the exact language to decline the rest.
A trade-in is a major leverage point — when you know how to use it. Most buyers bundle trade and purchase, which lets dealers shift money between columns without you noticing.
More dealerships now post one price and don't negotiate on the sticker. That doesn't mean the deal is finished. The financing rate, the trade-in offer, the finance office products, and the add-ons are all still in play — and these are where buyers lose money most often. Every Holdback session covers all of these, regardless of how the vehicle is priced.
There's no dealer invoice to reference and no holdback calculation. The information gap is different — and the strategy is different. Every Holdback session adapts fully to used vehicle purchases, including dealer used, certified pre-owned, and private sale.
Used vehicles don't have an invoice price or holdback percentage to reference. Market value is built from what comparable vehicles are actually selling for — and knowing how to read that data accurately is the starting point for any used purchase.
Certified Pre-Owned sounds like a simple step up from used. The real question is whether the certification, inspection, and added warranty are worth the premium — compared to buying private or going new. We break this down for your specific situation and budget.
An independent inspection is non-negotiable on any used purchase. Knowing how to request one, what to look for in the results, and how to use findings to your advantage is a skill most buyers don't have walking in.
Used vehicle negotiation is different from new. There's no invoice to reference, but there are other levers: market comparables, days on lot, price history, condition, and seasonal demand. We build your opening position and counter-offer strategy around all of them.
Rates for used vehicles are typically higher than new, lenders differ, and certain vehicle ages or categories limit your financing options. We review your financing position specifically for a used purchase — including whether dealer financing actually makes sense in your case.
EV purchases come with federal and provincial incentives, MSRP caps, lease structure considerations, and factory order risks that standard vehicle purchases don't. These are covered in any session involving an electric or plug-in hybrid vehicle.
Federal and provincial EV incentives are available in Ontario but come with MSRP caps, vehicle eligibility restrictions, and timing conditions that are easy to miss. We map exactly which programs apply to your vehicle and how they interact.
The lease vs. buy decision for EVs is fundamentally different from ICE vehicles. Battery residual risk, charging infrastructure, manufacturer support, and incentive treatment all factor in differently. We model the actual numbers for your situation.
Many EVs — and some popular ICE models — require factory orders with significant wait times. A factory order is a different commitment than buying from stock. Deposit terms, price protection, incentive timing, and delivery rights all need to be understood before you sign anything.
Every consultation includes a written package — so you're not relying on memory once you're at the dealership.
Step-by-step, built around your specific deal. What to review, what to ask, what to never skip.
The language for your offer, counter-offer, and finance office responses. Written in a style that matches how you want to come across.
A clear written comparison showing total cost for each option, with a recommendation and the reasoning behind it.
One follow-up email after your session, answered within one business day. If something unexpected comes up at the dealership — a new offer, an F&I product you weren't prepared for — you can reach out and get a direct response.
If a similar vehicle offers meaningfully better value at your budget, we'll discuss it — a live conversation covering 2–3 alternatives worth considering, based on your specific situation.
If incentives or financing rates change significantly before your purchase date, email us — we'll update your deal notes at no charge.
One consultation. One flat fee. A clear picture of your deal and exactly how to approach it.