Market Data

What the High-Interest-Rate Era Taught Canadian Homebuyers

From the 2022 rate hikes to the 2025 cuts, Canada's mortgage rates went full circle. A Toronto broker's five real lessons: the stress test, the renewal wave, fixed vs variable, and why your buffer matters more than the headline rate.

Shadow Inventory in Toronto’s Condo Market: The Supply You Don’t See

Beyond the condos listed on MLS, Toronto's market carries a large pool of “shadow inventory”: unsold pre-construction units, developer-held stock, completed-but-unlisted condos, and investor units waiting to list. Here's what it means, how big it is, how it differs from active listings, and what 2026 buyers and sellers should understand.

The Rate Cycle in Review: From 5% to 2.25%, Three Lessons for Buyers

The Bank of Canada's policy rate raced from near-zero in 2022 to about 5% in 2023, then eased back to 2.25% and held there into 2026. Here's a review of the cycle and three practical lessons for homebuyers.

Are You Ready to Buy in Toronto 2026? 5-Step Framework: Rates, Unemployment, Immigration

Bank of Canada rate trajectory, Canada's structural unemployment shift, and IRCC immigration quotas — three macro indicators plus two personal indicators. Complete self-assessment framework.

GTA’s 6 Strongest 5-Year Appreciation Neighbourhoods — And the Patterns Behind Them

GTA 2021-2026 top appreciating neighbourhoods (Leslieville, Junction Triangle, East York, Beaches, Danforth, High Park), shared patterns, next winners.

GTA Luxury Home Market 2026: Where Prices Are Holding, Where They're Falling

GTA luxury home market analysis 2026 by neighborhood: Forest Hill, Rosedale, Bridle Path, Oakville, Lawrence Park, Markham Bayview, Mississauga West, Aurora. Price changes, inventory, and buyer composition.

BoC Cut 275 bps. Toronto Didn’t Rebound. Why 2026’s Bottleneck Isn’t Rates.

Bank of Canada cut 275 bps in 2025, but the GTA housing market stayed flat. Why the trade war, first-time buyer exit, condo glut, and 2026 mortgage renewals matter more than rates. By Arthur Zhao.

Toronto Real Estate Forecast: GTA Trajectory Through Year-End 2026 (CMHC + TRREB)

Toronto Real Estate Forecast: GTA Trajectory Through Year-End 2026 (CMHC + TRREB) | Arthur Zhao AZ AZ Real Estate Partners Market Analysis · Forecast…