Toronto Condo Market Outlook 2026
Posted on Jun 04, 2026
Toronto’s condo market is becoming more balanced after a few years of ups and downs. Activity is steady, but the bigger change is how people are behaving.
Here are four key trends shaping the condo market in 2026:
Buyers have more negotiating power
Higher inventory has shifted leverage toward buyers, giving them more choice, less competition, and more...
What Makes a Good Starter Home?
Posted on Jun 04, 2026
A good starter home should fit your current lifestyle while still giving you flexibility as your needs change over time. Here are some things to look for when buying a starter home.
Affordable Monthly Costs
Affordability goes beyond just the mortgage payment. Property taxes, utilities, insurance, condo fees, and maintenance all affect your monthly bu...
The Hidden Costs of Moving
Posted on Jun 04, 2026
Utility Setup...
Toronto Market Update – May 2026
Posted on May 12, 2026
Toronto’s housing market showed signs of tightening in April, as the number of available homes declined while sales activity picked up. According to the Toronto Regional Real Estate Board, this shift could encourage more hesitant buyers to re-enter the market.
A total of 5,946 homes were sold in April, marking an increase of about 7% compared to the...
What is a Variable Rate Mortgage?
Posted on May 12, 2026
A variable rate mortgage is a home loan where the interest rate can rise or fall over time. It is typically based on a simple formula: the lender’s prime rate, which can change, plus or minus a fixed discount that stays the same for the length of your term. This fixed difference is often called the spread.
Because the rate is not locked in, variable...
How Down Payment Assistance Programs Work in Canada
Posted on May 12, 2026
A down payment assistance program, often called a DPAP, provides financial support to help buyers cover between 5% and 15% of a home’s purchase price, depending on the structure of the program.
Saving for a down payment is one of the biggest challenges for buyers in Canada. Under current mortgage rules, buyers typically need at least 5% down on the...