Article archive
English articles documenting mortgage, real-estate, economic and household-finance analysis in Canada.
Articles retain their original publication dates. Rates, policies, market data and qualification rules may have changed since publication.Found 118 articles
In January 2026, average GTA home prices returned to levels seen about five years earlier, while Toronto condo prices were close to early-2021 levels. Using a $600,000 condo example, this article compares five years of cash outlay, principal repayment and equity accumulation for owners, renters and rental-property investors.
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GTA resale activity entered 2026 after its slowest year in roughly two decades. With elevated inventory, cautious buyers and sellers withdrawing listings, this article examines whether the Toronto housing market may keep grinding along the bottom—or begin to offer carefully selected opportunities.
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Toronto real estate has created substantial long-term wealth, yet rising prices, borrowing constraints and household cash-flow pressure make homeownership harder to reach. This article examines that tension and the choices facing buyers and renters.
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Ontario Bill 60 changes parts of the landlord-tenant framework and reopens a broader debate about rent arrears, hearing delays, housing supply and the responsibilities carried by both landlords and tenants.
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Even if the Bank of Canada has limited room for further rate cuts, borrowers may still be able to reduce mortgage costs and cash-flow pressure through early renewal, fixed-rate conversion, strategic prepayments, HELOC-based debt restructuring or refinancing at maturity.
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After the Bank of Canada’s October 2025 rate decision, many mortgage rates returned to roughly 4%. This article explains why that level can narrow the gap between renting and owning costs and change the strategy for homebuyers and real-estate investors.
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On October 1, the Toronto city government announced that the Leslieville project in the Don Summerville community will be transformed into a mixed-income apartment project. Toronto Mayor Zhihui Chow hopes these three towers near Coxwell will become a new standard for affordable housing in Toronto. "Every Torontonian deserves to have a home they are proud of and a community that can thrive," Chow said in the release. "This is an example of what we can achieve." "Every Torontonian deserves to l
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The Bank of Canada announced an interest rate cut of 0.25% on September 17, lowering the central bank's overnight interest rate from 2.75% to 2.5%. The preferential interest rate P of commercial banks accordingly dropped from 4.95% to 4.7%. Borrowers who have chosen an adjustable-rate mortgage have their interest rates automatically reduced, with the effective interest rate currently around 4% for most adjustable-rate borrowers. Borrowers with interest rates higher than 4% need to check their loan maturity dates, pay attention to the borrowing bank's early renewal time, and renew as early as possible. Canada's interest rates actually have little inhibitory effect on the real estate market. The current interest rate of the Bank of Canada is 2.5% and the interest rate of the Bank of Australia is 3.6%. Canadian mortgage interest rates are about 4
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At the end of March this year, Carney proposed for the first time in his election promise to establish an organization called Build Canada Homes (BCH). After the new government came to power in May, it reiterated this plan to the mayors of various provinces at the annual meeting of the Federation of Municipalities. On August 14, BCH finally released its first document - "Canadian Housing Construction Market Research Guide". It was a full 6-page document, full of official style, but it caused almost no splash. Just like Mao Buyi sang in "The Nameless Man": "I am a nameless person on this road. I have no news and no one comments..." As soon as this guide came out, no one paid attention to it. I started on the 14th
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If housing affordability improves, will people be more willing to buy a home? The answer is no. Yes, you read that right, after affordability improves, people are even less willing to buy a house. This is what is happening in Toronto. Affordability is mainly determined by two indicators: one is housing prices, and the other is interest rates. The central bank interest rate was 4.75% in June last year and dropped to 2.75% in June this year; during the same period, Toronto house prices dropped from 1.164 million Canadian dollars to 1.101 million Canadian dollars. Interest rates and house prices have fallen, but has transaction volume increased? No, the transaction volume in June last year was 6,397 units, and the transaction volume in June this year was 6,243 units. Therefore, as housing affordability improves, people are less willing to
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CMHC July 24, 2025 The Canadian real estate market will continue to cool in 2025 due to trade tensions, economic uncertainty, slowing population growth and rising unemployment. As home buyers and developers adopt a wait-and-see approach, home prices are expected to fall by about 2% nationwide, with more significant declines in Ontario and British Columbia. Housing affordability remains a major concern and new construction is slowing. With the increase in rental housing and weakening demand, the pressure on the rental market has eased slightly. It is expected that the market will gradually recover in 2026 as the trade situation eases and the economic environment improves. Core conclusions: 1. Trade tensions and slowing population growth may
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Among the Toronto second-hand housing market data in June, the most eye-catching one is the price of second-hand CONDO. The average transaction price was 696,000, an increase of 3.88% from 670,000 in January this year, and a 13.8% decrease from the peak of 808,000 in 2022. Looking back at the changes in CONDO prices since the interest rate hike, the CONDO price of 670,000 in January 2025 has unknowingly reached the lowest point. From the highest point of 808,000 in March 2022 to the lowest point of 670,000 in January 2025, the average price dropped by 20.6%. At present, the price of second-hand CONDO is on the way back home. Countless mainstream media and self-media, since last year
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