House for families

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 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,...

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...

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...

People often ask me, "Tina, isn't it stressful dealing with contracts, negotiations, and deadlines all day?" My answer is always the same: I don't just deal with contracts; I deal with dreams. While I do spend a lot of time analyzing market data and fighting for the best prices, that’s just the "business" side. The reason I truly love real estate—the reason I wake up excited every morning—is the...

April 2025 followed the typical seasonal trend with activity picking up compared to March, but the year-over-year picture tells a different story. Sales volume dropped significantly as many buyers continued to wait for more certainty regarding the economy and borrowing costs. 📊 The Big Picture: GTA Market Stats Average Sold Price: $1,107,463 (Year-Over-Year: Down 4.1%) +1 Total Sales: 5,601...

March is usually when the spring market ignites, but 2025 is telling a different story. While inventory surged, sales volume pulled back significantly as buyers adopted a "wait-and-see" approach amidst trade uncertainties and upcoming elections. 📊 The Big Picture: GTA Market Stats Average Sold Price: $1,093,254 (Year-Over-Year: Down 2.5%) +1 Total Sales: 5,011 (Year-Over-Year: Down 23.1%)...

February 2025 showed us a market with abundant choice. While sales activity remained quiet as buyers held out for lower rates, inventory levels climbed significantly, giving those who were ready to transact substantial negotiating power. 📊 The Big Picture: GTA Market Stats Average Sold Price: $1,065,391 (Year-Over-Year: Down 4.2%) Total Sales: 4,736 (Year-Over-Year: Down 15.5%) New...

January 2025 kicked off with a significant shift in supply dynamics. While sales activity remained quieter than last year, the market saw a flood of new listings, setting the stage for a "well-supplied" spring market where buyers have plenty of options. 📊 The Big Picture: GTA Market Stats Average Sold Price: $1,040,994 (Year-Over-Year: Up 1.5%) +2 Total Sales: 3,847 (Year-Over-Year: Down...