Category: Market Pulse
Ongoing analysis of Ontario and GTA real estate and lending trends — prices, rents, mortgage rules, and commercial activity — explained by dual-licensed real estate and mortgage broker Gurpinder Gaheer.
-
Ontario Power of Sale Listings Just Hit a 24-Month High, Up 59 Percent, and the $200 Billion Mortgage Renewal Wall Is Only Getting Started
Ontario Power of Sale Listings Just Hit a 24-Month High, Up 59 Percent, and the $200 Billion Mortgage Renewal Wall Is Only Getting Started Inherited a Property? Sell It the Right Way. Probate & estate home sales, handled start to finish. Power of sale listings across Ontario have surged nearly 59% year-over-year, hitting a 24-month… Read more
-
Your Lender Only Owes You 21 Days’ Notice: How a 2026 Mortgage Renewal Letter Quietly Becomes an Ontario Power of Sale
If a federally regulated lender decides not to renew your mortgage, it owes you 21 days’ notice. That is the legal minimum, and it is not enough time to refinance a property that no longer appraises. Here is how the gap between the renewal letter and the Notice of Sale actually works in Ontario, and… Read more
-
Office Vacancies Finally Dropping In 2026: Why GTA Building Owners Are Suddenly Under Pressure To Refinance, Reposition Or Sell
Office Vacancies Finally Dropping In 2026: Why GTA Building Owners Are Suddenly Under Pressure To Refinance, Reposition Or Sell New reports show Canada’s office vacancy rate dipped to about 13.6% in early 2026, the first simultaneous drop in office and industrial vacancies in more than two decades and one of the sharpest vacancy improvements since… Read more
-
New 2026 Mortgage Rule Quietly Lets Ontario Homeowners Switch Lenders At Renewal Without Facing The Usual Stress Test Barrier
New 2026 Mortgage Rule Quietly Lets Ontario Homeowners Switch Lenders At Renewal Without Facing The Usual Stress Test Barrier Here’s a change almost nobody outside the industry is talking about: Canada’s regulator has dropped the stress test requirement for “straight switch” renewals, so many homeowners can now move to a new lender without re‑qualifying at… Read more
-
Bank Of Canada’s 2026 Rate Pause Sounds Boring But It’s Quietly Rewriting Every Commercial Mortgage Renewal For Ontario Entrepreneurs
Bank Of Canada’s 2026 Rate Pause Sounds Boring But It’s Quietly Rewriting Every Commercial Mortgage Renewal For Ontario Entrepreneurs The Bank of Canada has held its policy rate at 2.25% through late 2025 and into 2026, and major banks expect it to stay on pause for the year. That sounds calm on the news, but… Read more
-
New CMHC MLI Select rule clarifications are blindsiding small Ontario multifamily investors who thought their affordable rental projects were safely funded for years
New CMHC MLI Select rule clarifications are blindsiding small Ontario multifamily investors who thought their affordable rental projects were safely funded for years Multifamily & Commercial Financing, Done Right. CMHC MLI Select, private & commercial mortgage financing – Ontario. CMHC’s MLI Select program was sold as a game changer for long-amortization, high-leverage financing tied to… Read more
-
Ontario Insolvencies Just Hit a 17-Year High and Banks Are Quietly Pulling Back on the Builders Who Need Them Most
Ontario Insolvencies Just Hit a 17-Year High and Banks Are Quietly Pulling Back on the Builders Who Need Them Most Facing Power of Sale? You Still Have Options. Stop power of sale, foreclosure & receivership – across Ontario. Ontario recorded nearly 14,000 insolvency filings in the first quarter of 2026 alone, up 14.7% year over… Read more
-
A Brand New Toronto Condo Just Got Seized by Lenders Weeks After Completion and It Signals a Bigger Storm Across Ontario
A Brand New Toronto Condo Just Got Seized by Lenders Weeks After Completion and It Signals a Bigger Storm Across Ontario Multifamily & Commercial Financing, Done Right. CMHC MLI Select, private & commercial mortgage financing – Ontario. The Manderley condo in Toronto was placed under receivership in July 2026 just weeks after construction finished, after… Read more