Category: Property Videos

The Bank of Canada just raised rates to 2.5%. First hike in three years.

The reason is oil. The war in the Middle East pushed gas prices up, and inflation has sat around 3% since April.

Here’s my problem. A rate hike in Ottawa doesn’t refine one more barrel of oil. It doesn’t change what you pay at the pump. What it does change is the cost of every mortgage renewal and business loan in this country, in an economy already absorbing new U.S. tariffs.

The Bank’s answer is that it isn’t targeting gas prices. It’s trying to stop energy costs from spreading into everything else. That risk is real. I just think hiking into a slowing economy is the wrong trade, and some economists called this premature with core inflation still subdued.

If you have a renewal coming in the next 12 to 18 months, stress-test it now. The Bank says more hikes may be needed.

Hike, hold, or cut. What would you have done?

#BankOfCanada #InterestRates #CanadianRealEstate #MortgageRenewal #Inflation

Opinion only. Not financial or investment advice.

Small-scale infill went from 0.62% of Toronto’s housing starts in 2023 to 6.45% in 2025, per CMHC.

Zoning reforms and conversions of existing homes are part of the story. But it’s a share of a small base, and CMHC says Ontario’s uptake has been slower.

The bigger infill category is still nine units or more, at 63% of national starts.

#OntarioRealEstate #TorontoRealEstate #MultifamilyInvesting #MissingMiddle #CanadianRealEstate

Source: CMHC analysis, as reported by Storeys (Zakiya Kassam), Sep. 24, 2026

Canada’s September CPI came in at 3.1%, versus 3.2% expected and 3.0% in August. Gasoline is up 27.8% year over year, and inflation excluding gasoline was 2.2%.

Core measures were a tick below forecast, with CPI-trim at 1.8% and CPI-median at 1.9%. Rent rose 0.5% on the month, leaving the annual rate at 2.8%, which CIBC called “surprisingly firm.”

The Bank of Canada decides October 28, with CIBC seeing little rush to hike and Governor Macklem saying the Bank is prepared to raise rates if necessary.

#OntarioRealEstate #MultifamilyInvesting #BankOfCanada #Inflation #CanadianRealEstate

Source: Statistics Canada CPI (Sep. 2026), as reported by CIBC Economics (Andrew Grantham) and The Canadian Press, Oct. 19, 2026

New from CMHC: Canadians are moving away from standard 5-year fixed mortgages toward variable rates and shorter terms — chasing better rates today at the cost of more renewal risk tomorrow.

The numbers back it up. 35% of recent renewers reported real financial pressure from rate changes. 25% have regrets about the mortgage they chose.

For multifamily owners, this isn’t just a homeowner conversation — it’s the same tradeoff you’re making every time you structure debt on a deal. Know the exposure before you take the rate.

#MortgageRisk #OntarioRealEstate #MultifamilyInvesting #CRE

131R Millicent Street, Toronto — laneway access, no street frontage, and that’s exactly what makes it interesting.

✅ Roof & trusses fully replaced
✅ Electrical upgraded (100A, hydro active)
✅ Redevelopment upside — neighbour already built next door on this same laneway
✅ ~3,000 sf lot, roughly half uncovered

This is a land play as much as it’s a building sale. Zoned residential, used commercially for years — multiplex/sixplex potential on the table.

Coming to market soon. DM or link in bio for the full package.

📞 647-689-5841
🌐 buildingsforsaletoronto.com

#TorontoRealEstate #IndustrialRealEstate #RedevelopmentOpportunity #TorontoInvestors #CommercialRealEstate #LanewayHousing #JunctionToronto #InvestmentProperty

National rents just dropped 4.8% year over year — the 23rd straight month of declines. But look closer at Toronto and the story flips: overall rents are down just 1.4%, while 3-bedroom units are actually up 3.5% annually.

Purpose-built rentals are also proving way more resilient than condos right now (-3.3% vs -7.7%).

If you’re underwriting Ontario multifamily off the national rent narrative, you’re using the wrong data.

#OntarioRealEstate #MultifamilyInvesting #TorontoRentals #CRE

RBC’s “convergence” thesis: the markets that carried Canadian real estate for the past two years — Prairies, Quebec, Atlantic Canada — are showing signs of topping out. Regina, Saskatoon, Winnipeg, Montreal, Quebec City, Moncton and PEI all posted monthly resale declines in July, and Quebec’s annual price gains have fallen to less than half what they were at the start of the year.

Meanwhile Ontario — the market that took the hardest hit the last three years — is the one RBC flags as initiating a recovery.

For investors, that’s a directional signal on where capital and deal flow could rotate next, not a guarantee. Immigration cuts and affordability pressure are still headwinds across the board.

Source: RBC Economics, “Focus on Canadian Housing” (Robert Hogue), Aug 18 2026.

#OntarioRealEstate #CanadianHousing #RealEstateInvesting #MultifamilyInvesting #TorontoRealEstate

Nearly 6 in 10 landlord applications to Ontario’s LTB this year weren’t about damage, harassment, or bad behaviour. They were L1 filings — unpaid rent. 20,162 of 34,422 landlord applications, 58.6%.

For investors, that’s the real underwriting signal: arrears exposure isn’t the exception in a multifamily portfolio, it’s the base case you build reserves around.

Not advice — just the caseload, Smarties.

#OntarioRealEstate #LTB #RentArrears #MultifamilyInvesting #PropertyManagement