Properti Edge

09/10/2026

Is now the right time to buy in Metro Toronto, or should you hold out for winter? 🏡🍁

With prices softening and inventory tightening across the region, prospective home buyers are evaluating their next move. The short answer? Toronto is currently operating in a balanced market, meaning buyers and sellers have relatively equal negotiating power right now.

However, patience could unlock further value. With interest rates likely at their bottom for this cycle and bond yields putting upward pressure on fixed rates, the market faces structural headwinds. Historical seasonal cooling between now and winter typically brings out motivated sellers, meaning January could present strategic opportunities for buyers looking to maximize price concessions.

Here is a quick snapshot of the current market:

Detached Houses: A balanced market trending in favour of sellers, with 4.7 months of supply and a benchmark price of $1,209,600.

Condo Apartments: A balanced market trending in favour of sellers, with 5.9 months of supply and a benchmark price of $531,200. Abundant inventory and investor apathy continue to keep prices downward.

Townhouses: A balanced market trending in favour of sellers, with 5.1 months of supply and a benchmark price of $666,500.

For strategic buyers, today offers a chance to secure properties at a 4 to 7 per cent discount compared to last year. Yet, entering the market later this winter could offer an even better entry point before the spring rush returns.

Want to dive deeper into the data and see what this means for your property journey? Check out the full analysis and charts on our website.

🔗 Read the complete Toronto market update at

https://www.mortgagesandbox.com/news/buying-toronto-real-estate-is-now-the-time-or-should-you-wait-until-winter

09/10/2026

Is now the right time to buy in Metro Vancouver, or should you hold out for winter? 🏡🍁

With prices drifting downward and inventory hovering at elevated levels, prospective home buyers are asking a critical question. The short answer is yes: now is a solid time to buy because Metro Vancouver is firmly locked in a buyer's market.

However, patience could yield even greater rewards. As we enter the second half of the year (a period historically defined by seasonal cooling), price declines are poised to accelerate faster between now and Christmas than we saw during the spring.

Here is a quick snapshot of the current market:

Detached Houses: A buyer's market trending in favour of sellers, with 10.5 months of supply and a benchmark price of $1,799,400.

Condo Apartments: A buyer's market trending in favour of buyers, with 7.3 months of supply and a benchmark price of $686,200.

Townhouses: A buyer's market trending in favour of sellers, displaying structural resilience due to tighter inventory and a 33 per cent surge in demand.

For strategic buyers, today offers exceptional leverage. Yet, entering the market in January 2027 could offer the ideal combination of lower benchmark prices and maximum seller concessions before spring activity resumes.

Want to dive deeper into the data and see what this means for your property journey? Check out the full analysis and charts on our website.

🔗 Read the complete Vancouver market update at https://www.mortgagesandbox.com/news/buying-vancouver-real-estate-is-now-the-time-or-should-you-wait-until-january

09/03/2026

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚: 𝗕𝗮𝗻𝗸 𝗼𝗳 𝗖𝗮𝗻𝗮𝗱𝗮 𝗵𝗼𝗹𝗱𝘀 𝘁𝗶𝗴𝗵𝘁 𝗮𝗴𝗮𝗶𝗻. 𝗪𝗵𝗮𝘁 𝗶𝘁 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂.

SWIPE ➡️ for your complete September mortgage rate update.

🛑 The News: As expected, the Bank of Canada kept its key policy rate unchanged at 2.25%. The era of rapidly rising rates is over, but we are now in a "hold and wait" period (Slide 1 & 2).

📊 The "Why": The BoC is on a mission to fight inflation, and right now, inflation measures are on the high side, propping up the case to keep rates steady (Slide 3).

📈 Fixed Rate Reality: Keep an eye on bond yields (Slide 4). The recent upward trend reflects the market’s realization that rates might stay higher for longer, which has a direct effect on fixed mortgage pricing.

📉 Variable Rate Relief: The Prime Rate is down from its 7.2% peak (Slide 5), meaning variable rates have seen a solid drop from December 2023 highs (Slide 6). However, they are still significantly higher than in early 2022.

💵 Fixed Rate Opportunity: Fixed rates have also dropped from their peak, though less dramatically than variable rates, settling into a plateau (Slide 7).

🗓️ What’s Next? The consensus is a pause for assessment. Expect rates to hold near their current levels well into 2028, but there is a risk that rates could rise. The least likely outcome is a rates reduction.

🤔 What should YOU do? Don't rely on generic forecasts that claim to know the future. There are a range of possible outcomes and uncertainty is high.

If you have a renewal or purchase coming up within the next 120 days, it is crucial to speak with an accredited mortgage broker NOW. They can help you navigate the fine print, secure pre-approvals, and find the right strategy for your lifestyle.

Questions on variable vs. fixed? Drop them below! 👇

08/21/2026

Planning to buy a home or renew your mortgage soon? The days of falling interest rates are firmly behind us. 📉📈

We just released our updated mortgage rate forecast for 2026 to 2028, and the global bond market is shaking things up right here at home. With the Bank of Canada holding steady and global bond yields rising, borrowing costs are creeping back up. If you are waiting for a massive drop in rates before making a move, you might be waiting for a very long time!

Here is what you need to know to protect your budget:

Fixed rates are drifting higher as global inflation pressures return.

Variable rates are likely at the bottom of their cycle.

A three year fixed term is becoming the sweet spot for many buyers who want stability without locking in for a full five years.

Find out exactly how these changes will impact your monthly payments and your overall buying power. Read the full update on our blog:

🔗 https://www.mortgagesandbox.com/news/canadian-mortgage-rate-forecast-2026-to-2028-the-global-bond-shock

Global debt brings local pain for homeowners

08/17/2026

87% of sellers say they would use their agent again but only 28% do.

Same people. Nearly nine in ten walk away willing to send you business. Fewer than three in ten actually do.

It is not that they were unhappy. It is that the relationship went quiet after closing, and eighteen months later when a friend asked for a recommendation, someone else came to mind first.

Our new whitepaper works through why that happens, what closes the gap, and what it is worth at Greater Toronto prices. Free, no form, every statistic sourced.

👉 https://www.propertiedge.com/news/satisfied-clients-are-not-referring-clients

07/31/2026

𝗜𝘀 𝗠𝗲𝘁𝗿𝗼 𝗖𝗮𝗹𝗴𝗮𝗿𝘆 𝗵𝗼𝗹𝗱𝗶𝗻𝗴 𝗼𝗻𝘁𝗼 𝗶𝘁𝘀 𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗲𝗱𝗴𝗲? 🏔️

Our latest mid-year market forecast highlights a diverging real estate landscape across Calgary. While coastal urban centres face ongoing structural pressures, Calgary's market offers a distinct split depending on property type.

Ground-oriented properties continue to hold their ground, with detached homes and townhouses remaining firmly in seller's market territory.

Meanwhile, the condo apartment segment has loosened into balanced conditions, giving entry-level buyers more selection and room to negotiate.

Read our full mid-year breakdown covering Calgary price trends, valuation metrics, and market risk factors:

https://www.mortgagesandbox.com/news/calgary-retains-affordability-edge-as-housing-dynamics-diverge-at-mid-year-july-2026

Segment dynamics are diverging across the city

07/29/2026

𝗜𝘀 𝗠𝗲𝘁𝗿𝗼 𝗧𝗼𝗿𝗼𝗻𝘁𝗼’𝘀 𝗵𝗼𝘂𝘀𝗶𝗻𝗴 𝗺𝗮𝗿𝗸𝗲𝘁 𝗾𝘂𝗶𝗲𝘁𝗹𝘆 𝘁𝘂𝗿𝗻𝗶𝗻𝗴 𝗯𝗮𝗰𝗸 𝘁𝗼𝘄𝗮𝗿𝗱 𝘀𝗲𝗹𝗹𝗲𝗿𝘀? 🏙️

Our latest mid-year market forecast breaks down how shrinking inventory across Greater Toronto is changing the game. Active listings are pulling back faster than demand is cooling, giving sellers more leverage than they had twelve months ago.

Detached homes have firmly entrenched themselves in a seller's market with inventory under 4 months, while the condo segment saw inventory plunge by nearly 30%, shifting momentum closer to balance. Near-term price erosion has largely flattened out for single-family homes and townhouses.

Read our full mid-year analysis covering Toronto price trends, affordability metrics, and risk factors:

www.mortgagesandbox.com/news/metro-toronto-housing-supply-pullback-drives-shift-toward-sellers-at-mid-year-july-2026

Listings dropping faster than demand across major segments

07/29/2026

𝗜𝘀 𝘁𝗵𝗲 𝗠𝗲𝘁𝗿𝗼 𝗩𝗮𝗻𝗰𝗼𝘂𝘃𝗲𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝗿𝗸𝗲𝘁 𝘁𝘂𝗿𝗻𝗶𝗻𝗴 𝗮 𝗰𝗼𝗿𝗻𝗲𝗿? 🏠

Our latest mid-year market forecast breaks down the shifting dynamics across single-family homes, townhouses, and condos. While overall conditions remain technically in buyer’s market territory, inventory levels are contracting faster than expected.

Read our full analysis covering market risks, affordability metrics, and price expectations for the second half of the year:

https://www.mortgagesandbox.com/news/vancouver-buyers-lose-ground-as-inventory-drops-and-townhouses-reach-equilibrium-july-2026

Six months into 2026, Metro Vancouver's housing segments have diverged

07/14/2026

𝗪𝗵𝗮𝘁 𝘁𝗼 𝗘𝘅𝗽𝗲𝗰𝘁 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗕𝗮𝗻𝗸 𝗼𝗳 𝗖𝗮𝗻𝗮𝗱𝗮 𝗼𝗻 𝗝𝘂𝗹𝘆 𝟭𝟱

All signs point to another rate hold.

Economists broadly expect the Bank of Canada to keep the overnight rate at 2.25% on Wednesday, marking the sixth consecutive pause.

A Reuters survey of 36 economists unanimously expects no change, with most forecasting 𝗿𝗮𝘁𝗲𝘀 𝗼𝗻 𝗵𝗼𝗹𝗱 𝘂𝗻𝘁𝗶𝗹 𝗮𝘁 𝗹𝗲𝗮𝘀𝘁 𝗝𝘂𝗹𝘆 𝟮𝟬𝟮𝟳.

𝗪𝗵𝘆 𝘁𝗵𝗲 𝗽𝗮𝘂𝘀𝗲?

Three factors are keeping the Bank on the sidelines:

1. Middle East conflict – Ongoing tensions and oil price volatility continue to cloud the outlook.

2. US trade uncertainty – The USMCA not being renewed on July 1 adds significant risk to the Canadian economy.

3. Inflation is sticky – Headline CPI hit 3.2% in May, above the Bank's 1%-3% control range. But core measures remain near 2%, giving the Bank room to hold steady.

𝗪𝗵𝗮𝘁 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀

Variable mortgage rates are expected to hold near the low-4% range through 2026.

Fixed 5-year rates have barely moved since April 2025, hovering around 4% for competitive rates.

Bottom line: rates unchanged for now, but uncertainty ahead. If you're renewing in 2026, lock in a rate 4 months in advance to protect yourself from potential rate increases. Talk to your mortgage broker and current lender.

04/21/2026

Rates are likely to stay flat or move higher in the short to medium term 📈

The Bank of Canada is expected to hold steady on April 29th, but prime and fixed rates have already moved off their lows.

With prime now at 4.45% and 5-year fixed rates hovering at 3.9 to 4.6%, the window for significantly lower rates appears closed for now.

Swipe through the charts 👉

If variable rates rise, locking in a fixed 5-year rate will look like a stroke of genius in hindsight. Remember, 50% of mortgage holders missed out on locking in a 2% mortgage rate during COVID.

If you’re planning a purchase or renewal, don’t wait for a big drop that may not come. On purchases, get a 120-day rate lock with your pre-approval, just in case.

📊 Source: Mortgage Sandbox / Properi Edge Solutions Inc.