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.
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Stop Compensating Tenants: New Rules for Personal Use Evictions in Ontario in 2026
Stop Compensating Tenants: New Rules for Personal Use Evictions in Ontario in 2026 Starting September 21, 2026, Ontario landlords gain a strategic advantage when ending a tenancy for personal use. By providing at least 120 days of notice—up from the current 60—you will no longer be required to pay tenant compensation or provide an alternative… Read more
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Hidden 2026 Rule Changes And Rebates That Could Save Ontario Homebuyers Tens Of Thousands On Their Next Mortgage
Hidden 2026 Rule Changes And Rebates That Could Save Ontario Homebuyers Tens Of Thousands On Their Next Mortgage Most people I talk to have no idea that many borrowers can now switch lenders at renewal without redoing the federal mortgage stress test, as long as the loan amount and amortization stay the same. On top… Read more
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Shocking: Over 52% of Toronto Agents Closed ZERO Deals in 2025
Shocking: Over 52% of Toronto Agents Closed ZERO Deals in 2025 I am stunned by the data: 52.7% of TRREB agents closed zero deals last year, yet many brokerages keep them for desk fees and training revenue. This zombie agent problem creates compliance risks and dilutes market quality, hurting everyone involved. Before picking your nephew… Read more
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Ontario’s 59% Surge in Power of Sale Listings and the Mortgage “Renewal Wall” Putting Ontario Families and Condo Investors Under Extreme Pressure in 2026
Ontario’s 59% Surge in Power of Sale Listings and the Mortgage “Renewal Wall” Putting Ontario Families and Condo Investors Under Extreme Pressure in 2026 Across Ontario, power-of-sale listings have jumped roughly 59% year-over-year as distressed inventory surges and the market recalibrates in buyers’ favour. A huge “renewal wall” of over $200 billion in mortgages, many… Read more
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CMHC Warns Ontario Condo and Housing Projects Are Stalling in 2026 – What That Means for Developers, Investors and Their Construction Financing
CMHC Warns Ontario Condo and Housing Projects Are Stalling in 2026 – What That Means for Developers, Investors and Their Construction Financing CMHC’s latest Housing Supply Report shows Canada’s housing starts rose about 6% in 2025, but warns that ownership‑oriented supply—especially condos—is under serious pressure from collapsing presales and rising unsold inventory. New CMHC and… Read more
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Between 2.1 and 2.4 million Canadian households are renewing in 2025–2026, representing about 60% of all mortgages, with many seeing 6–20% payment increases and some up to 40%.
Between 2.1 and 2.4 million Canadian households are renewing in 2025–2026, representing about 60% of all mortgages, with many seeing 6–20% payment increases and some up to 40%. A fixed-rate borrower who locked at around 1.4% in 2020 and renews near 3.9–4.0% today can see annual payments rise by nearly $7,000, which is a serious… Read more
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Office And Industrial Vacancies Are Finally Falling—But Many Ontario Landlords Are Not Finance‑Ready For The Rebound
Office And Industrial Vacancies Are Finally Falling—But Many Ontario Landlords Are Not Finance‑Ready For The Rebound Colliers just reported that Canada’s office vacancy rate has started to decline again and industrial vacancies also fell in early 2026—the first time both have moved down together in more than two decades. Large brokerages are calling 2026 a… Read more
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Lenders Say They Are “Open For Business” In 2026 – So Why Are So Many Ontario Deals Still Getting Declined?
Lenders Say They Are “Open For Business” In 2026 – So Why Are So Many Ontario Deals Still Getting Declined? CBRE’s 2026 Canadian Real Estate Lenders’ Report shows debt markets are becoming more active again as lenders look to deploy additional capital, after many hit or exceeded their lending targets in 2025. At the same… Read more
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Receiverships Are Quietly Reshaping Ontario Real Estate: From GTA Towers to Northern Portfolios in 2026
Receiverships Are Quietly Reshaping Ontario Real Estate: From GTA Towers to Northern Portfolios in 2026 Across Ontario, I’m seeing more high-profile projects and portfolios pushed into court-appointed receivership, from multi-tower condo sites in the GTA to a northern Ontario bankruptcy that started with over 400 properties and still has dozens left to liquidate. Insolvency and… Read more
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Power of Sale Is Quietly Surging Across Ontario – Here Is How I Help GTA Homeowners Protect Equity Before the Bank Takes Control
Power of Sale Is Quietly Surging Across Ontario – Here Is How I Help GTA Homeowners Protect Equity Before the Bank Takes Control Across Ontario, power-of-sale listings are spiking as mortgage delinquencies rise and renewal payments jump, with Toronto and the GTA flagged by CMHC as the most at-risk for arrears into 2026. Homeowners are… Read more