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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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
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Toronto Office And Retail Are Quietly Recovering – Here’s Why Ontario Landlords Need To Fix Their Financing Before Lenders Fully Reprice The Upswing
Toronto Office And Retail Are Quietly Recovering – Here’s Why Ontario Landlords Need To Fix Their Financing Before Lenders Fully Reprice The Upswing After years of doom-and-gloom, downtown Toronto office vacancy is finally trending down, with Class A space seeing stronger leasing and national downtown vacancy easing as demand returns. That shift is already changing… Read more
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Why Ray Dalio Says World War 3 Is Already Here And What That Means For Our Money
Why Ray Dalio Says World War 3 Is Already Here And What That Means For Our Money Ray Dalio argues we are already in an early‑stage world war made up of economic, technological, and proxy conflicts spanning Ukraine, the Middle East, and US‑China tensions. He believes markets are dangerously assuming these crises will pass quickly… Read more
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Facing the 2026 CRE Refi Wall? Here’s How I Navigate Tightening Lenders and Private Credit
Facing the 2026 CRE Refi Wall? Here’s How I Navigate Tightening Lenders and Private Credit In the US, commercial mortgage rates remain elevated while a massive wall of commercial real estate debt—hundreds of billions coming due in 2026—must refinance into a market where banks are tightening credit boxes and loan standards. Many borrowers are wasting… Read more
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CMHC Just Got Pricier – How I Keep Multifamily Projects Funded When Pro Formas Stop Working
CMHC Just Got Pricier – How I Keep Multifamily Projects Funded When Pro Formas Stop Working CMHC’s newer multi-unit insurance premium grid and capital rules are hitting in 2026, driving sharply higher costs for high-LTV, long-amortization and construction loans across Canada unless projects earn strong MLI Select discounts. At the same time, Canada’s housing starts… Read more