The Bank of Canada cut rates five times last year. The overnight rate dropped from 5% to 2.25%. By every surface-level reading, mortgage holders should be breathing easier. But if you locked a five-year fixed rate in 2021, your renewal letter this year tells a different story. Your new rate isn't 1.79% anymore. It's north of 4%. And the monthly payment shock is real — roughly 800,000...

If we sat down for coffee right now, I can guess the first three questions you’d ask me. I know this because every buyer I’ve met in the last three months asks them: "Will prices drop another 5% if I wait?" "Are interest rates going to crash back down soon?" "Should I just sit on the sidelines for another year?" These are valid questions. But here is the hard truth I’ve learned from...

If you’ve been following the real estate headlines, you might have seen some noise about "Inclusionary Zoning" and a sudden policy shift from the Ford government. It sounds technical, but if you are looking to buy a home—or investing in the future of the GTA—this is actually a pivotal moment. Here is the breakdown of what is happening, why it matters, and what it means for the market (and your...

In December 2025, the Bank of Canada held its policy interest rate at 2.25%. As we approach the next announcement on January 28th, the consensus is that rates will likely remain flat or see a minor adjustment. On paper, 2.25% is an attractive number. It is a massive drop from the highs of 2024. In a typical real estate cycle, a rate drop of this magnitude usually sparks immediate bidding wars and...

If I had to summarize the 2025 real estate market in one word, it would be "Adjustment". As we close the book on December, the latest report from the Toronto Regional Real Estate Board (TRREB) confirms what many of us felt on the ground: the market has shifted. It was a year that tested the patience of sellers and offered a long-awaited window of opportunity for buyers. Let’s look at the honest numbers,...

Many people buy real estate with their hearts, but the most successful clients I work with buy with their heads. They treat every property—whether it’s a family home or a pre-construction unit —as a business development project. Whether you are planning a custom rebuild, investing in a new development, or expanding your portfolio, here are 10 quick tips to help you maximize value and minimize risk...

When people think about real estate, they usually think about the transaction: signing papers, moving boxes, and handing over keys. But as a real estate professional who has guided countless families and investors through this journey, I see something different. I see a transformation. Entering the real estate market is one of the most practical educational experiences you can have. Whether you are buying...

📊 The Big Picture November continued the cooling trend we have seen this quarter. The data confirms a clear shift towards a buyer's market, with prices adjusting downward and sales volume slowing significantly compared to last year. Average Sold Price: $1,039,458 (Down 6.4% vs. Nov 2024) Total Sales: 5,010 (Down 15.8% vs. Nov 2024) New Listings: 11,134 (Down 4.0% vs. Nov 2024) Days on...

October delivered a strong performance with a double-digit jump in sales, signaling that the market is tightening as buyers rush to secure homes before winter. 📊 The Big Picture: GTA Market Stats Average Sold Price: $1,080,723 (Year-Over-Year: Down 4.8%) Total Sales: 6,439 (Year-Over-Year: Up 13.9%) New Listings: 13,858 (Year-Over-Year: Down 3.4%) Days on Market (LRL): 34 Days (Compared...

If you live in the GTA, you know that real estate is everyone’s favourite topic. Whether it’s at a dinner party or in the news headlines, everyone seems to have an opinion on where the market is going. But after years of helping families in GTA navigate this market, I’ve realized that what you hear in the news isn't always the full story. There is a lot of noise out there. As your Real Estate...