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Posted by: Ash Khan
The Toronto housing market closed out 2025 on a softer note, with declines in both home prices and sales activity. After years of volatility, high interest rates, and economic uncertainty, buyer confidence remained muted through the end of the year, even as borrowing costs eased slightly and inventory improved. So what does this actually mean […]
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Every January, the Canadian mortgage landscape shifts, and one trend that stands out is a significant increase in second mortgage activity. Whether you’re a homeowner considering borrowing against your equity, planning renovations, consolidating debt, or funding a new investment, January often presents strong opportunities to explore second mortgage options. Understanding the seasonal dynamics behind this […]
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Canada’s economic outlook took a surprising turn as stronger-than-expected labour market data shifted market expectations for the Bank of Canada’s next interest rate move. According to recent market analysis, the BoC may raise rates by late 2026, reversing earlier expectations of continued monetary easing. For homebuyers, homeowners, and investors, understanding this shift is crucial because […]
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As we move closer to 2026, Canada’s housing market is preparing for another shift, and this year’s RE/MAX forecast highlights major trends that buyers, sellers, and investors can’t afford to ignore. With affordability challenges, rate expectations, and shifting supply levels, understanding the 2026 outlook is key to making smart real estate decisions. Here’s a clear […]
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According to the latest report from CMHC (Canada Mortgage and Housing Corporation), the annual pace of housing starts in October fell 17%, marking one of the most notable slowdowns in 2024–2025. With high construction costs, labour shortages, and shifting economic conditions, this decline signals an important moment for homebuyers, investors, and mortgage seekers across Canada. […]
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In late October 2025, Canada’s six largest banks responded swiftly to the Bank of Canada’s latest rate reduction by lowering their prime rates by 25 basis points to 4.45%. This move marks a critical shift in borrowing conditions, particularly for Canadians with variable-rate mortgages or lines of credit. As a trusted mortgage broker in Mississauga […]
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As Canada navigates an evolving economic landscape, the outlook for interest rates and mortgage costs is anything but uniform. The country’s major financial institutions are sending divergent signals about the future of the Bank of Canada (BoC) policy rate – and this holds major implications for home buyers, mortgage holders and renewers alike. Let’s unpack […]
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When it comes to your mortgage, one of the largest financial commitments many Canadians make, choosing who manages your file matters enormously. A recent opinion in Canadian Mortgage Trends shares a cautionary tale: a couple had a strong mortgage file, pre-approved by a broker, but when they handed it over to a local bank branch […]
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In today’s globally interconnected economy, Canada’s financial stability is constantly tested by forces beyond its borders: surging inflation, shifting trade policies, and unpredictable external shocks. As these macroeconomic pressures mount, Canadian homebuyers and mortgage holders must be prepared to adapt. In this blog, we break down how these forces influence mortgage rates, buyer behavior, and […]
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In September 2025, home sales in the Greater Toronto Area (GTA) hit an eight-month high, rising to 5,765 seasonally adjusted units — up 2% from August. However, that surge in activity happened even as prices slipped slightly: the TRREB home price index dropped 0.5% month-over-month to C$971,500. This contrast — increased sales with softer pricing […]
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