Insights

Market Updates and Guides

Straight talk on the GTA market, the wider economy, and what it means for buyers and sellers, adapted from our YouTube channel, fronted by Moe.

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November 15, 2026 · Moe Asgarian

The Bank of Canada Held Its Rate at 5%: What It Meant for the Toronto Market

A fourth consecutive hold left the policy rate at 5%, and the wording of the statement changed. Here is what that shift said about rate cuts, the Toronto market and the renewals coming due in 2024.

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November 15, 2026 · Moe Asgarian

High Demand, Low Inventory: What Months of Inventory Said About Toronto in January 2024

Reports of 85 offers on a single home made the Toronto market look frantic in early 2024. The months of inventory numbers for January 2024 told a calmer and more useful story.

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November 15, 2026 · Moe Asgarian

Toronto's January 2024 Market Update: Why It Looked Like an End-User Market

The January 2024 numbers for Toronto and the surrounding 905 showed sales up 37% from a year earlier, with the deepest discounts on larger suburban homes. Here is what that said about who was buying.

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November 14, 2026 · Moe Asgarian

How We Sold an Aurora Semi-Detached for 1.3 Million Dollars

In late February 2024 we listed a semi-detached house in Aurora at 999,000 dollars with an offer date and sold it for 1,300,000 dollars. The pricing, the preparation and the rentable basement that got us there.

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November 14, 2026 · Moe Asgarian

Toronto's February 2024 Housing Market: Who the Party Was Really For

In February 2024 the headlines said the party was back on in Toronto. It was, if you were selling a semi-detached house in a good neighbourhood. Here are the numbers behind the month and what they meant for buyers and sellers.

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November 13, 2026 · Moe Asgarian

If the Conservatives Win, What Happens to Canada's Housing Market?

As of March 2024, a change of federal government would not move Canada's housing market in the short term. Interest rates and supply and demand set prices, while the Conservative plan to raise city construction by 15% a year and a slower immigration pace work slowly.

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November 13, 2026 · Moe Asgarian

Canada's November 2026 Budget: What Changes for GTA Buyers and Sellers

The federal budget of November 5, 2026 proposes keeping foreign buyers out of resale homes until January 1, 2029 while exempting new homes, makes financing for three and four unit builds easier from February 1, 2027, and adds $13 billion to Build Canada Homes.

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November 13, 2026 · Moe Asgarian

How Many Homes Can You Build on Your Toronto Lot?

On any residential lot in the City of Toronto, four separate homes are legally allowed as of November 2026, even on a 25-foot lot. Width, permitted height, lot depth and a corner position decide whether six units or more are possible.

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November 12, 2026 · Moe Asgarian

Ontario Home Prices From 2013 to 2023: What the MPAC Data Shows

MPAC data covering 2013 to 2023 shows affordable housing has nearly vanished across Ontario. Houses under $500,000 fell from 74% of the market to 19%, condos under $500,000 from 88% to 11%, and the cheapest houses are now hours north of Toronto.

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November 12, 2026 · Moe Asgarian

GTA Housing Market in March 2024: Prices Up, Sales Weakest Since 2009

TRREB data for March 2024 showed the benchmark price of a typical Greater Toronto Area home at $1,113,600, up 1.8% in a month, while sales came in at 6,560, the weakest March since 2009. Here is what moved the numbers and what it meant for buyers.

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November 12, 2026 · Moe Asgarian

RE/MAX R4 2024 in Las Vegas: Ranked 47th Worldwide

At the RE/MAX R4 conference in Las Vegas in March 2024, Toronto broker Moe Asgarian was ranked 47th among all RE/MAX agents worldwide for 2023 and received a Lifetime Achievement Award. Here is what happened at the conference and what a global ranking actually measures.

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November 11, 2026 · Moe Asgarian

Canada's Population Surge and What It Does to Housing

As of May 2024, Canada's fastest population growth in a decade, 411,000 arrivals aged 15 and over in four months, and what it does to housing demand.

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November 11, 2026 · Moe Asgarian

Toronto's May 2024 Housing Stats and the First Rate Cut

TRREB's May 2024 numbers for Toronto: sales down 21%, more than 18,000 new listings, an average price near $1,165,000, and what the June rate cut changed.

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November 11, 2026 · Moe Asgarian

Canada Housing News, June 2024: Renters, Down Payments and Rates

The June 2024 surveys on Canadian renters, down payments, why owners sell, and David Dodge's call for a 3% policy rate by 2026, read by a Toronto broker.

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November 10, 2026 · Moe Asgarian

Canadian Housing News, July 2024: Prices, Best Neighbourhoods and Property Taxes

A July 2024 round-up: the average Canadian home near $824,000, Old Town ranked Toronto's best neighbourhood, property tax swings by city, and what the rate cut saved each month.

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November 10, 2026 · Moe Asgarian

The Bank of Canada's July 2024 Rate Cut and What Came Next for the GTA

On July 24, 2024 the Bank of Canada cut its policy rate by 0.25% to 4.5%, a second consecutive cut. What it changed for renewals, variable-rate holders and buyer confidence in Toronto.

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November 10, 2026 · Moe Asgarian

Toronto Housing Market in July 2024: More Sales, Many More Listings

July 2024 brought 5,391 GTA sales, up 3.3% from a year earlier, against 16,296 new listings, up 18.5%. A look at what that gap did to prices and to buyers.

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November 9, 2026 · Moe Asgarian

Toronto Housing News, August 2024: Mortgage Arrears, Youth Jobs and a Missing Markham Agent

Equifax on missed mortgage payments, Toronto's eight-year delinquency high, BMO on youth unemployment, and the Markham agent who went missing on August 9, 2024.

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November 9, 2026 · Moe Asgarian

A Trump Presidency and Canada's Economy: What It Would Change

Written in September 2024, before the vote: defence spending, fuel prices, corporate tax and tariffs, and the line that runs from each of them to a Canadian mortgage payment.

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November 9, 2026 · Moe Asgarian

The GTA Housing Market in August 2024: What the First Rate Cuts Did

The Bank of Canada had started cutting, so where was the rebound? A broker's read of the August 2024 GTA numbers, plus what my own team actually closed that month.

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November 8, 2026 · Moe Asgarian

Return to Office, Empty Towers and a Productivity Warning: Canada's September 2024 Housing News

Four September 2024 stories that touch Canadian housing: federal workers ordered back to the office, Toronto's office vacancy, a RE/MAX stability forecast, and TD's productivity warning.

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November 8, 2026 · Moe Asgarian

GTA Home Sales Rose in September 2024 While Prices Eased

The Toronto Regional Real Estate Board's September 2024 figures: 4,996 sales, up 8.5 percent from a year earlier, an average price of $1,107,291, and new listings growing faster than sales.

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November 8, 2026 · Moe Asgarian

What a CIBC Economist Told a Toronto Conference About Canada's Housing Future

A summary of Benjamin Tal's September 2024 talk at RE/MAX Activate in Toronto: late rate cuts, population growth masking a recession, and a condo market he expects to turn by early 2026.

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November 7, 2026 · Moe Asgarian

The Bank of Canada's Half-Point Cut and What It Did to the Toronto Market

On October 23, 2024 the Bank of Canada cut its policy rate by half a point. Here is the data behind that decision and how the Toronto area market actually responded to it.

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November 7, 2026 · Moe Asgarian

October 2024 in Review: TD's Billion Dollar Fine, Quebec's Study Permit Bill, and Canada's Investor Plans

October 2024 in review: TD Bank's multibillion dollar United States penalty, Quebec's move to slow international study permits, and a survey showing one in four Canadians wants an investment property by 2028.

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November 7, 2026 · Moe Asgarian

Trump's Win and What It Means for Canada's Economy and Housing Market

Donald Trump won the United States election in November 2024. Here is what that points to for Canada's economy, the Canadian dollar, and American interest in Toronto and Vancouver real estate.

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November 6, 2026 · Moe Asgarian

GTA and Toronto Housing Statistics for October 2024

In October 2024 the policy rate had come down to 3.75%, yet the GTA average price was about $1,148,000 and 2% below a year earlier, with 5,575 sales. Here is what the month's numbers said about rate cuts, condo inventory and seasonality.

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November 6, 2026 · Moe Asgarian

The Canada US Trade War and the Toronto Housing Market

A 50% American tariff, a January 2027 threat to vehicles and parts, and more than 427,000 Ontario auto jobs in the balance. Here is how the trade war was already reaching Toronto buyers and sellers in November 2026, and what I tell clients to do about it.

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November 6, 2026 · Moe Asgarian

What the US Midterm Elections Mean for Toronto Home Prices

The November 2026 US midterm result gives Canada a stronger hand in trade talks, but tariff power stays with the president. Here are the three consequences that matter for Ontario jobs and for the Toronto housing market.

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November 5, 2026 · Moe Asgarian

When Lower Interest Rates Will Move Toronto Home Prices

Economists say a rate change takes 12 to 18 months to work through. That is the Canadian economy, not Toronto housing. The 2022 record shows prices moved in six months.

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November 5, 2026 · Moe Asgarian

Canada's Immigration Cuts and What They Mean for Housing

Canada announced lower immigration targets in October 2024. The first part of the housing market to feel it is rent, and the second is interest rates. Here is how a Toronto broker reads the trade.

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November 4, 2026 · Moe Asgarian

Toronto Sales Up 44%, Prices Flat: Where the Good Buys Were in Late 2024

In October 2024 Toronto home sales ran 44% above a year earlier while prices barely moved and homes took 43 days to sell. Here is what that gap meant for buyers and sellers in Toronto, Vaughan, Richmond Hill and Aurora.

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November 4, 2026 · Moe Asgarian

Toronto Real Estate News, November 2024: Study Permits, 2025 Forecast, Bidding-War Comedy

Three November 2024 stories that touch Toronto housing: Ottawa ends the SDS and NSE study permit streams, Royal LePage's chief executive sees recovery in 2025, and a bidding war becomes a stage comedy.

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November 4, 2026 · Moe Asgarian

Bank of Canada Cuts to 3.25%: Inside the December 2024 Decision

On December 11, 2024 the Bank of Canada cut its policy rate from 3.75% to 3.25%, the second half-point cut in a row. Here is what drove it and what it meant for Toronto buyers at the time.

November 4, 2026 · Moe Asgarian

GTA housing market, October 2026: more sales, fewer new listings

GTA sales jumped 11.17% from September to 5,603 in October 2026, and new listings dropped 14.1%. The average price crept up to $1,024,108. It's still 2.7% under last October, though. Below is the city-by-city read for buyers and for sellers.

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November 3, 2026 · Moe Asgarian

Toronto's Affordable Ownership Changes and Canada's 6.8 Percent Unemployment Rate

As of December 2024, Toronto is widening its affordable home ownership help from the bottom six income deciles to eight and lifting the income cut-off to 160,000 dollars, while Canada's unemployment rate has reached 6.8 percent.

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November 3, 2026 · Moe Asgarian

My 2025 Predictions for the Toronto Housing Market

Written in January 2025: lower interest rates, a change of government, fewer newcomers, a weak condo market, prices up about 5 percent, more sales than 2023 and 2024, falling rents, and a strong year for freehold homes between 1 and 1.5 million dollars.

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November 3, 2026 · Moe Asgarian

Canada Housing News, January 2025: Poilievre, Mortgage Arrears and a Business Record

Three stories from January 2025: what Pierre Poilievre said about housing in his interview with Jordan Peterson, why mortgage arrears rose again in October 2024, and the record number of active Canadian businesses reported for September 2024.

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November 2, 2026 · Moe Asgarian

December 2024 GTA Market Update: More Sales, Softer Condo Prices

December 2024 was quieter than the rest of the year, but less quiet than expected. Toronto sales for 2024 came in at 67,610 homes against 65,877 in 2023, while the average price slipped about 1% to $1,117,000, pulled down by condos. Here is the full picture, including Aurora and Richmond Hill.

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November 2, 2026 · Moe Asgarian

January 2025 GTA Market Update: Busier, But Prices Barely Moved

The January 2025 numbers for the Greater Toronto Area show listings coming back fast and activity well above the end of 2024, with very little effect on sale prices. Here is what sold, in which price bands, and why pre-construction is the real crisis.

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November 2, 2026 · Moe Asgarian

Trump's Tariffs or Falling Rates: What Drives Toronto Housing

As of March 2025, the stronger force in Toronto housing was the drop in interest rates, not the tariff war. Here is why end user buyers put a floor under prices, what happened the last time Trump used tariffs, and what I expected for the first half of 2025.

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November 1, 2026 · Moe Asgarian

Toronto Jobs, New Visa Powers and Tariffs: the March 2025 Picture

Three March 2025 stories that were not housing headlines but moved the Toronto housing market: 357,000 unemployed in the city, new power for border officers to cancel temporary visas, and investment leaving for the United States before any tariff landed.

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November 1, 2026 · Moe Asgarian

Toronto's February 2025 Housing Numbers: Fewer Sales, Far More Listings

February 2025 was a soft month in Toronto. Sales in February 2025 fell about 27% year over year, the average selling price came in 2.2% below the February 2024 average of $1,084,547, and active inventory jumped 76%. Here is what sat behind those numbers.

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November 1, 2026 · Moe Asgarian

Bank of Canada Cuts the Policy Rate to 2.75% in March 2025

A plain reading of the Bank of Canada's March 2025 report: a seventh consecutive cut to 2.75%, an economy that started the year well, and a tariff shock that monetary policy cannot fully absorb.

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October 31, 2026 · Moe Asgarian

Trump's Tariffs and the Toronto Market: Threat, or a Window to Buy?

As of early April 2025, tariff fear has turned the Toronto and GTA market into a buyer's window: heavy inventory, a 2.75% overnight rate and softer prices give buyers room to negotiate, if they buy a good home at a good price.

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October 31, 2026 · Moe Asgarian

GTA Housing Market in March 2025: Sales Down, Listings Up, Prices Softer

The March 2025 TRREB numbers for the GTA: 5,011 sales, down 23.1% year over year, inventory up 88.8%, and an average price of $1,093,254. Here is what was driving it and who it favoured.

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October 31, 2026 · Moe Asgarian

Mark Carney and Donald Trump: What Changed in Canadian Politics by April 2025

As of early April 2025, Trudeau has been replaced by Mark Carney, Biden by Donald Trump, and the polls have flipped from a Conservative win to a Liberal lead. Here is how the tariff war did that, and what it leaves on the table.

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October 30, 2026 · Moe Asgarian

Liberal vs Conservative GST Cuts on New Homes: April 2025 Comparison

Both federal parties promised to take the 5% GST off new builds in the 2025 campaign, but Carney capped it at $1 million for first-time buyers while Poilievre went to $1.3 million for everyone. A Toronto broker on who actually saves.

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October 30, 2026 · Moe Asgarian

Bank of Canada Raises Rates in October 2026: What It Means for Toronto Mortgages

On October 28, 2026 the Bank of Canada raised its policy rate 0.25% to 2.5%, its first hike since July 2023. Here is why it moved, what it does to a variable mortgage payment, and what it does not tell us about Toronto prices.

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October 29, 2026 · Moe Asgarian

Canada's 2025 Federal Election Housing Plans and What They Mean for Toronto

Build Canada Homes, the GST cut on new builds, the Housing Accelerator Fund and a capital gains deferral, reviewed as they stood in April 2025, and why none of it moves the Toronto and GTA market much.

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October 29, 2026 · Moe Asgarian

North York Housing Market, Q1 2025: Condos, Townhouses and Detached Homes

A quarter by quarter read on the part of North York between Yonge and Leslie, Finch to York Mills: 180 condo sales, 39 townhouses, 45 detached homes, and the months of inventory behind each number in Q1 2025.

October 28, 2026 · Moe Asgarian

The Bank of Canada Raised Rates to 2.5%. Here's What It Costs Your GTA Mortgage

The Bank of Canada raised its rate to 2.5% on October 28, 2026. What it costs a variable mortgage, a HELOC, a renewal, a buyer's approval and a seller's price in the GTA.

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October 28, 2026 · Moe Asgarian

Toronto's October 2026 Mayoral Election: What Chow and Bradford Promised Buyers and Owners

On October 26, 2026, Toronto chose between Olivia Chow and Brad Bradford. One promise was rental supply, the other was cutting the municipal land transfer tax. Here is who could vote and what each plan was worth to a buyer, a seller, a renter and an owner.

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October 28, 2026 · Moe Asgarian

Which Markham Neighbourhood Should You Buy a Home In?

Markham is not one market. A walk through Unionville, Angus Glen, Berczy, Wismer, Greensborough, Cornell, Cathedraltown, Cachet, Markville, Markham Village, Box Grove and Milliken, and how to match the right one to your budget, school and commute.

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October 28, 2026 · Moe Asgarian

Toronto Home Prices in September 2026: About 5% Below Last Year, More Than 27% Below the Peak After Inflation

The September 2026 Greater Toronto report produced two opposite headlines and both were true. Here is what the benchmark price, the inventory pile and the semi-detached jump actually meant for buyers and for sellers.

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October 19, 2026 · Moe Asgarian

Canada's Economy After Mark Carney's Win: Three Questions for the Rest of 2025

With the 2025 federal election settled by early May 2025, the market's stillness was mostly about the tariff war rather than politics. Here is what I expected from the Bank of Canada, from mortgage rates, and from the economy through the rest of 2025.

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October 19, 2026 · Moe Asgarian

GTA Housing Market in April 2025: Fewer Sales, More Listings, Lower Prices

In April 2025 the Greater Toronto Area recorded 5,601 home sales, 23.3% fewer than a year earlier, while listings climbed and the average price slipped to just over $1.1 million. A Toronto broker reads the month.

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October 18, 2026 · Moe Asgarian

Toronto Sellers Are Cutting Prices: Why Buyers Had the Upper Hand in May 2025

As of May 2025, Toronto buyers held the leverage: unsold condo inventory was at a record, sales were at a 30 year low, and sellers who had to move were cutting $50,000 to $100,000 off their prices.

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October 18, 2026 · Moe Asgarian

Why the Bank of Canada Held Interest Rates on June 4, 2025

On June 4, 2025 the Bank of Canada left the policy rate unchanged. Inflation was starting to bite, the job market was weak, and first quarter growth beat expectations for a reason that was not strength.

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October 18, 2026 · Moe Asgarian

Canada's Job Market, Housing and GDP in June 2025: What It Means for Toronto

Three reports shaped the Toronto housing picture as of June 2025: a labour market pulling away from the United States, RBC's warning on prices, and GDP per capita falling in 2024.

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October 17, 2026 · Moe Asgarian

More Than 1.4 Million Canadians Missed a Payment in Early 2025. What That Means for Housing

Equifax Canada's report on the first quarter of 2025 counted more than 1.4 million people who missed at least one payment, about one in 22. Here is what the debt, renewal and delinquency numbers mean for anyone buying or renewing in the GTA.

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October 17, 2026 · Moe Asgarian

Advice for Iranians in Canada in June 2025: Stay in Touch, Stay Steady

Written in late June 2025, during the attacks on Iran. The practical things that help: regular contact with family, consular and travel information, kindness, accurate information, money access, and support for anyone who has to buy or sell a home right now.

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October 17, 2026 · Moe Asgarian

Canada Builds More Than Two Homes Per New Resident, and Prices Still Are Not Falling

As of July 2025, Canada builds more than two homes for every person added to its population, and none of that makes housing cheap. Here is what the construction, condo and household debt reports from early July 2025 actually say.

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October 16, 2026 · Moe Asgarian

What Is This Home Worth? How to Price a Toronto Home in a Slow Market

As of July 2025 the market is calmer, so pricing is the main job on both sides of a deal. Start with the last sale, use comparables that actually sold, then price where the market really is.

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October 16, 2026 · Moe Asgarian

Is the Bank of Canada About to Raise Rates Again? My Read of Tiff Macklem's Speech

As of October 2026 the policy rate has been flat for nearly a year, but the Governor's tone on inflation reads to me like preparation for increases. What that means for fixed and variable mortgages.

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October 16, 2026 · Moe Asgarian

Home Prices Dropped 30 Percent but the Payment Only Fell $270. Here Is Why

As of October 2026, prices in some key Canadian markets sit 20 to 30 percent below the 2022 peak, yet the monthly mortgage payment barely moved. Here is the arithmetic, line by line.

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October 15, 2026 · Moe Asgarian

Trump's 35% Tariff Threat and Canada's Housing Market in July 2025

In July 2025 Trump threatened a 35% tariff on all Canadian goods from August 1, 2025. Here is what that meant for Canada's housing market, and what forecasters expected for Toronto and Vancouver prices.

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October 14, 2026 · Moe Asgarian

If the US Scraps Capital Gains Tax on Home Sales, What Happens to Canadian Real Estate?

As of August 2025, Donald Trump said he was looking at zeroing the US capital gains tax on home sales. Here is how that tax worked at the time, who would gain from removing it, and the two ways the decision could reach the Toronto market.

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October 14, 2026 · Moe Asgarian

Canada's Housing News in August 2025: Build Costs, Recession Risk and Immigration

Three reports were shaping Canadian housing as of August 2025: construction costs rising faster than inflation, a serious recession warning from the CFIB, and a federal finding that immigration explained only about 11% of price and rent growth from 2006 to 2021.

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October 14, 2026 · Moe Asgarian

July 2025 Was the GTA Housing Market's Best Month Since 2021

July 2025 gave the GTA its strongest sales month since 2021: about 6,100 deals, 10.9% above July 2024, with the average price down near $1,051,000. Here is what those numbers meant for buyers and for sellers at the time.

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October 13, 2026 · Moe Asgarian

RECO Froze iPro Realty's Trust Accounts: What Ontario Buyers and Agents Should Do

In May 2025 RECO found about $10.5 million missing from iPro Realty's trust accounts, and by early September 2025 it put the figure at roughly $8 million. Here is what happened, and what Ontario buyers and agents caught in the freeze should do.

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October 12, 2026 · Moe Asgarian

Why Small Rate Cuts Barely Move Toronto Housing: Canada's Neutral Rate Range

In mid-September 2025 Canada's policy rate sat in the middle of the neutral range of about 2.25% to 3.25%. A Toronto broker explains why a quarter point was not going to move prices, and the five factors that actually set the fall 2025 market.

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October 12, 2026 · Moe Asgarian

Bank of Canada Cuts the Policy Rate to 2.5% in September 2025: What It Meant for Toronto Housing

On September 17, 2025 the Bank of Canada ended three straight holds and cut its policy rate by 25 basis points to 2.5%. A look at the weak labour and GDP data behind the decision, and what it changed for the Toronto housing market.

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October 11, 2026 · Moe Asgarian

iPro Realty Update and Toronto's Office Return, September 2025

Ontario's regulator went to court over about $10.5 million found missing from iPro Realty's trust accounts in May 2025, while the Ontario government and the big banks ended work from home. What both mean for Toronto real estate.

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October 11, 2026 · Moe Asgarian

After the Rate Cut: Toronto's Housing Outlook for Fall 2025

The Bank of Canada cut its policy rate by a quarter point in the autumn of 2025 and warned the economy would get harder. What that meant for Toronto and GTA buyers, sellers, investors and variable rate mortgages.

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October 11, 2026 · Moe Asgarian

Toronto's September 2025 Market: More Sales, Softer Prices

September 2025 brought more sales to the City of Toronto and slightly lower prices. Here is what the numbers said by home type, what the benchmark showed, and what it meant for buyers, sellers and condo investors.

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October 9, 2026 · Moe Asgarian

BMO's Three Scenarios for Canada's Economy: Bad, Very Bad and Frightening

A BMO report lays out three futures for Canada under a long trade war with the United States. Here are the numbers attached to each one.

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October 9, 2026 · Moe Asgarian

Business Optimism, First-Time Buyer Incomes and Why a Rate Cut Can Backfire

Business optimism without growth, first-time buyers held back by income, and Bank of Canada research on why a rate cut can make affordability worse.

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October 9, 2026 · Moe Asgarian

The Fed Raised Rates in September 2026: Will Canadian Mortgages Get More Expensive?

The Federal Reserve raised the US benchmark rate on September 16, 2026. Here is what that does, and does not, do to a Canadian mortgage.

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October 8, 2026 · Moe Asgarian

Where Will the Canadian Housing Market Be in Five Years?

A September 2025 report from Oxford Economics has Canada entering a cycle with no crash and no boom, and real prices roughly flat through 2030. Here is what that forecast means for owners, buyers and investors in Toronto.

October 7, 2026 · Moe Asgarian

How Buying a Pre-Construction Condo in Toronto Works: Five Steps From Deposit to Closing

Pre-construction in Toronto is five decision points, not one signature. Here is what happens at each step, what it costs you, and what to check before the next one starts.

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October 7, 2026 · Moe Asgarian

Toronto Home Prices Since 1993: A 417% Increase

Comparing Toronto housing in 1993 with November 2025 shows a 417% rise in the average home price, far ahead of inflation and far ahead of household income. Zoning, land costs, construction costs, bigger houses and population growth explain most of the gap.

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October 7, 2026 · Moe Asgarian

Canada's Budget 2026, Interest Rates and Housing Affordability

Budget 2026 put about $280 billion over five years behind infrastructure, defence and housing, with $25 billion of it for housing. At the same time, as of December 2025, falling interest rates had begun to show up in Canada's mortgage arrears numbers.

October 6, 2026 · Moe Asgarian

GTA real estate, September 2026: prices down 5%, listings pile up and buyers finally get room to negotiate

The average GTA home sold for $1,006,409 in September 2026, 5% below last year. New listings jumped 36.65% from August. Sales barely moved. Here's what I'd tell you if you're buying or selling in Toronto, Vaughan, Markham, Richmond Hill, Aurora or Newmarket.

October 6, 2026 · Moe Asgarian

How to Buy and Sell a Home at the Same Time in Toronto

Move once, not twice, and never carry two mortgages by accident. How Moe Asgarian sequences a sale and a purchase in Toronto, including closings days apart and same-day closings.

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October 6, 2026 · Moe Asgarian

Variable or Fixed Mortgage? What the Bank of Canada's Cuts Changed

By late November 2025 insured variable mortgage rates were near 3.5%, below many fixed terms. How to choose, and the three mortgage terms that matter as much as the rate.

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October 6, 2026 · Moe Asgarian

The 2026 GTA Housing Market Outlook: Neither a Crash Nor a Boom

Writing in December 2025, the most likely 2026 for Toronto and GTA housing is a balanced year: more sales than 2025, prices moving about 3% either way, and four things to watch.

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October 6, 2026 · Moe Asgarian

Toronto and GTA Housing Market: The November 2025 Numbers

In November 2025 GTA sales were about 15.8% below a year earlier and the average price was $1,039,000. A Toronto broker goes through what the numbers actually say.

October 5, 2026 · Moe Asgarian

Should You Buy First or Sell First in Toronto? A Move-Up Decision Guide

Sell first in most cases, especially if you are leaving a condo. Broker Moe Asgarian explains when buying first is safe, what a bridge loan really does, and why a sale-of-property condition is thin protection.

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October 5, 2026 · Moe Asgarian

Canada's November Jobs Surprise and the RE/MAX 2026 Buyer Outlook

Canada's unemployment rate fell to 6.5% in November 2025 and a RE/MAX report found one in ten Canadians planning to buy. What both mean for Toronto buyers.

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October 5, 2026 · Moe Asgarian

Canada's Population Decline and What It Means for Toronto Housing

Canada's population fell by about 76,000 in the third quarter of 2025, almost entirely non-permanent residents. Here is what that does to Toronto and GTA rents.

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October 5, 2026 · Moe Asgarian

My 2025 Toronto Housing Predictions: The Full Scorecard

A line by line grade of the 2025 Toronto housing predictions: right on rate cuts, immigration, condos and rents, wrong on prices and sales volume.

October 4, 2026 · Moe Asgarian

Should You Sell Your House Privately or With a Realtor in Ontario?

Selling privately removes the listing-side fee, but the buyer's agent's fee usually comes back in the offer, you still need a lawyer, and nobody at the table works for you. Moe Asgarian on when a private sale in Ontario is worth it.

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October 4, 2026 · Moe Asgarian

Three Canadian Housing Stories From February 2026

Ottawa may change the foreign buyer ban in 2027, RBC reports a seventh straight quarter of better affordability, and national rents keep falling.

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October 4, 2026 · Moe Asgarian

How a US and Israeli War With Iran Affects Canadian Mortgage Rates

As of early March 2026: fixed mortgage rates follow bond yields, and war usually pushes yields down. But the drop only reaches your rate if the war lasts.

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October 4, 2026 · Moe Asgarian

Toronto Housing Market in February 2026: Lower Prices, Fewer Choices

February 2026 in the GTA: 3,868 sales, new listings down 17.7%, and average prices about 7.1% below a year earlier. What that mix meant for buyers.

October 3, 2026 · Moe Asgarian

When Is the Best Time to Sell a House in Toronto? (And the Hardest Month)

Spring brings the most buyers and January the fewest, but in Toronto the month you list matters less than the competing listings near you and your price. Broker Moe Asgarian gives the calendar answer, the TRREB figures, and the decision order he actually uses.

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October 3, 2026 · Moe Asgarian

How the Eglinton LRT Is Changing Toronto Real Estate Along Its Route

The Eglinton LRT has already moved the market along its route, but not evenly. Mount Dennis and Scarborough are where I still see room, and neighbourhood character is the part I would watch.

October 2, 2026 · Moe Asgarian

How to Choose a Listing Agent in the GTA: The Price Trap, the Referral, and Who Really Does the Work

The highest promised price is not a plan, a referral is not a vetting, and the person who pitches you is not always the person who sells your home. Four written tests to run on any listing agent in the GTA, including me.

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October 2, 2026 · Moe Asgarian

Why the Bank of Canada Held Its Rate at 2.25% in April 2026

The Bank of Canada held its overnight rate at 2.25% in April 2026. A Toronto broker on the squeeze between weak growth and oil-driven inflation, what Tiff Macklem signalled, and what a hold means for your mortgage payment.

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October 2, 2026 · Moe Asgarian

Trump vs Carney: The Tariff Fight and Toronto's Housing Market

Canada is fighting a tariff war against an economy about 13 times its size, and the goal is not to win. What the loss of confidence is doing to Toronto buyers and sellers in late 2026, plus the numbers and the tactics behind it.

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October 2, 2026 · Moe Asgarian

Canada and the EU: What Closer Ties Mean for Toronto Housing

Ursula von der Leyen proposed Canada as the EU's first associate member. Here is what that would and would not change for Toronto housing, rents, construction and mortgage rates, and why the details still do not exist.

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October 1, 2026 · Moe Asgarian

Canada's Home Prices Rose in February 2026 While Jobs and Population Fell

The typical Canadian home got more expensive in February 2026 for the first time in eight months, in the same weeks the population fell on record and full time jobs disappeared. A Toronto broker reads the three together.

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October 1, 2026 · Moe Asgarian

GTA Housing Market, March 2026: Sales Up, Prices Still Down

Sales in the GTA rose for the first time since September while prices kept falling. A Toronto broker's read on the March 2026 TRREB numbers, the city's own data, and where the deals still are.

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October 1, 2026 · Moe Asgarian

TD's Report: Canada's 2026 Mortgage Renewal Shock Did Not Arrive

TD's April 2026 mortgage report says the renewal shock did not arrive. A Toronto broker's read on why payments held up, what changes in the second half of 2026, and the problem the report admits is still unsolved.

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September 30, 2026 · Moe Asgarian

Carney's Canada Strong Plan and What It Means for Housing

Mark Carney's first plan message in May 2026 argued Canada must stop leaning on the United States. A Toronto broker on the housing promises inside it, and the tariff problem underneath.

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September 30, 2026 · Moe Asgarian

Real Brokerage Is Buying RE/MAX: Three Market Signals From May 2026

Three May 2026 stories in one place: Real Brokerage buying RE/MAX Holdings, CREA forecasting a flat market for two more years, and BMO's widening east west jobs gap.

September 29, 2026 · Moe Asgarian

What Does a Condo Maintenance Fee Cover in Toronto?

A Toronto condo fee pays for running, insuring and saving for the building. What it leaves out depends on the building. Here is how broker Moe Asgarian reads the fee, line by line, before a client makes an offer.

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September 29, 2026 · Moe Asgarian

GTA Housing Market in April 2026: More Sales, Fewer Listings, Lower Prices

In April 2026 the Greater Toronto Area recorded 5,946 sales, about 7% above April 2025, while new listings fell about 9.3% and the average price stayed roughly 4.9% below a year earlier.

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September 29, 2026 · Moe Asgarian

Why One in Six Canadian Millennials Still Lives With Their Parents

Years of cheap credit inflated Canadian home prices past what young incomes could carry. As of the May 2026 Statistics Canada report, about one in six Canadians aged 25 to 39 still lived at home, and about one in four in Toronto.

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September 29, 2026 · Moe Asgarian

What the Bank of Canada's Q1 2026 Surveys Said About Canada's Economy

In May 2026 the Bank of Canada released its first quarter consumer and business surveys. Households were still worried about food prices and job security, while businesses were the most confident they had been since 2023.

September 28, 2026 · Moe Asgarian

How to Buy a Home in Toronto From Out of Province

A Toronto broker's guide for the buyer sitting in Calgary or Vancouver: what a real video walkthrough checks, the 24-hour deposit trap, remote signing, the Ontario lawyer, and what is still worth a flight.

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September 28, 2026 · Moe Asgarian

Canada Paid More Than $53 Billion in Debt Interest in One Year

As of June 2026, the federal government had paid over $53 billion in interest on its debt in a single year, close to the size of the entire annual deficit. Here is what that means for mortgages, housing and family finances.

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September 28, 2026 · Moe Asgarian

A $30 Million Bulk Condo Purchase Says Toronto's New Condo Market Is Near Its Floor

In June 2026 an investment firm bought roughly $30 million of unsold Toronto condos in a single bulk deal at about $700 to $800 per square foot. Here is what that says about where prices are, and who is under pressure.

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September 28, 2026 · Moe Asgarian

Bank of Canada Holds Its Policy Rate at 2.25% in June 2026 for a Fifth Straight Time

As of June 10, 2026, the Bank of Canada left its policy rate at 2.25% for the fifth consecutive decision. Here is why it held, what the May 2026 jobs numbers showed, and what could move the rate next.

September 27, 2026 · Moe Asgarian

What Does a Cottage Cost to Own in Ontario? Seven Lines to Fill In Before You Offer

Online ranges lump every cottage together. Broker Moe Asgarian explains why no single number is honest, then gives GTA families the seven-line carrying-cost worksheet and the exact document that proves each line, from insurance to septic to road dues.

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September 27, 2026 · Moe Asgarian

Alberta's October Vote on Separation: What It Means for Canada

Alberta votes in October on whether to stay in Canada or start the legal process toward a binding independence referendum. Here is what is on the ballot, who is pushing it, and what the polls said as of June 2026.

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September 27, 2026 · Moe Asgarian

Six Conditions for Canada's Housing Market to Grow Again

Everyone wants to know when Canadian home prices start rising again. As of June 2026, six things have to change first, and lower interest rates are only one of them.

September 26, 2026 · Moe Asgarian

Buying Waterfront Property in Simcoe County: Four Checks Toronto Never Asked You For

Four checks decide what a Simcoe County waterfront property is really worth, and none of them exist in a Toronto purchase: the shoreline strip, the conservation permit, the septic and well, and the road.

September 25, 2026 · Moe Asgarian

How to Price Your Home to Sell in Toronto: Market Value or Offer Night?

In the fall 2026 market the asking price is a marketing decision, not a valuation. Here is how I build a CMA, when an offer date still works, and what the first two weeks of a listing tell you.

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September 25, 2026 · Moe Asgarian

Canada's Foreign Buyer Ban Expires in January 2027: The Options

Canada's ban on residential purchases by foreign buyers lapses on 1 January 2027 unless Ottawa acts. As of July 2026, a Toronto broker walks through what the rule actually covers, the three options in front of the government, and the taxes that stay either way.

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September 25, 2026 · Moe Asgarian

Bank of Canada Holds the Rate at 2.25% in July 2026

In July 2026 the Bank of Canada left its policy rate at 2.25% for a sixth straight meeting. What Tiff Macklem said about growth, 3.2% inflation, oil prices, and what the decision means for mortgage rates in Toronto and the GTA.

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September 25, 2026 · Moe Asgarian

Five Shifts in the Toronto Housing Market as of September 2026

Expensive homes are drawing more attention than entry-level ones, buyers hold the leverage, condo projects are stuck, builders are pivoting to rental, and prices are flat. A Toronto broker's read on five changes reshaping the GTA market in September 2026.

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September 24, 2026 · Moe Asgarian

Mortgage Renewals in 2026: What to Do When Your Rate Resets

More than a million Canadian mortgages renew in 2026, many of them written under 2%. Moe Asgarian on what the jump looks like and how to plan for it.

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September 24, 2026 · Moe Asgarian

Toronto Housing Market, July 2026: Fewer Listings, Flat Sales

GTA sales were nearly flat in July 2026 while new listings dropped close to 18%. Moe Asgarian explains why that gap matters more than the price headlines.

September 23, 2026 · Moe Asgarian

The True Monthly Cost of Owning a Toronto Investment Condo (2026 Math)

Line-by-line September 2026 math for a Toronto investment condo: mortgage, maintenance fee, property tax, insurance and reserves against real rent, and how much of the shortfall you actually keep.

September 23, 2026 · Moe Asgarian

How Accurate Is the HouseSigma Estimate for Your Toronto Condo?

HouseSigma can tell you what sold in your building. It cannot tell you what your floor, exposure, parking, fees and status certificate do to the price. Here is what I check instead, and when the app number is fine.

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September 23, 2026 · Moe Asgarian

Toronto's Condo Market: What Buyers and Sellers Should Actually Do

As of August 2026 Toronto's condo market is two separate problems: a pre construction closing crisis for buyers who signed at peak prices, and a resale market that remains the most realistic way into ownership in the city.

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September 23, 2026 · Moe Asgarian

Why Toronto's Housing Market Has Not Crashed

Ten rate hikes in eighteen months, sales at a multi decade low, and the GTA average still above $1 million in August 2026. Here are the five reasons Toronto prices refused to fall.

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September 22, 2026 · Moe Asgarian

Are Buyers Back? Inside Toronto's Fall 2026 Housing Market

New listings are down and some buyers are back. A look at what the Toronto and GTA market actually looks like heading into fall 2026, and what pricing decides.

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September 22, 2026 · Moe Asgarian

The Bank of Canada Held Rates in September 2026. Why Fixed Mortgage Rates Could Still Rise

The Bank of Canada left the policy rate at 2.25% in September 2026, but the risks around it changed. Here is why fixed mortgage rates can still climb.

September 21, 2026 · Moe Asgarian

Do You Need a Real Estate Agent to View a House in Ontario?

Open houses are open to everyone, and a private showing without your own agent is possible but not guaranteed. The bigger question is who the agent at the door works for, and what happens to the things you say there.

September 21, 2026 · Moe Asgarian

What Kind of Home Can You Buy in North York for $1.5M?

At $1.5 million, North York gives you three real choices: an older detached or semi, a three-bedroom townhouse, or a large condo on the Yonge line. Here is how I would choose between them, pocket by pocket.

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September 21, 2026 · Moe Asgarian

The Best Places to Live in Canada Depend on Your Stage of Life

There is no single best city in Canada. A Zolo report from September 2024 ranked the most affordable places, the best for families, the best for young people and the best for retirees, and they are not the same places.

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September 21, 2026 · Moe Asgarian

Short Term Rentals in Ontario: Five Things to Get Right

Short term rental income depends less on the property than on the municipal rule book, the market trend, the guest, the marketing and who manages it. Five things to get right before you buy or list.

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September 21, 2026 · Moe Asgarian

Building a Sixplex in Toronto: What Investors Need to Know

Sixplexes are not legal everywhere in Toronto, and zoning permission is only the first test. Where six units are allowed, why financing decides the project, and the land math to run before you make an offer.

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September 19, 2026 · Moe Asgarian

The Tools on the Team Asgarian Website and What They Do

The answer to most client questions is already sitting on our website. Here is what each tool does, from area market reports to the mortgage calculator.

September 18, 2026 · Moe Asgarian

What Does Irrevocable Mean in an Ontario Real Estate Offer?

Irrevocable is the one clock at the offer stage that can end a live deal by itself. Here is what it binds, what a sign-back does to it, and how it differs from a registered offer in the GTA.

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September 18, 2026 · Moe Asgarian

Mortgage Payments Are Up About 20%. Why Aren't Canadians Selling?

Renewing households are paying roughly 16% to 28% more each month, yet almost nobody is selling because of it. Here is what the numbers show and how to handle your own renewal.

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September 18, 2026 · Moe Asgarian

Buy a Home, Rent, or Put the Money in the Stock Market?

Kevin O'Leary tells young Canadians to rent and invest instead. Where that advice holds up, what it leaves out, and how the FHSA, TFSA and RRSP change the math.

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September 18, 2026 · Moe Asgarian

Five Keys to Buying Your First Home in Canada With Confidence

An FHSA opened early, an honest comparison of new build against resale, restraint on your pre approval, a home that will resell well, and cash set aside for closing. Written for first time buyers in May 2026.

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September 18, 2026 · Moe Asgarian

The GTA Average Price Fell Under $1 Million: Did the Market Crash?

In August 2026 the average selling price across the Greater Toronto Area was $993,041, back under the $1 million line. The sales, listings and price index numbers tell a different story from the headlines.

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September 17, 2026 · Moe Asgarian

How to Choose a Real Estate Agent in Toronto

Every agent claims to be number one. Here is the approach I would use instead: reviews on realtor.ca, reviews on Google, and the listings sitting on the agent's own profile.

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September 17, 2026 · Moe Asgarian

Real Estate Identity Fraud in Toronto and How to Stop It

In 2023 roughly 330 identity theft cases in Toronto were tied to property deals and mortgages. How the scam works, what the Canadian Anti-Fraud Centre recommends, and two steps I add for anyone buying here.

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September 17, 2026 · Moe Asgarian

Five Real Estate Words Every Toronto Buyer Should Know

Mortgage, down payment, rent, cash flow, equity and margin. The words everyone uses when they talk about buying in Toronto, explained in plain language with one worked example from December 2023.

September 3, 2026 · Moe Asgarian

August 2026 GTA Market Report: Listings Dried Up Faster Than Sales Did

The GTA average price slipped to $993,410 in August 2026, down 2.73% from last year. That's the part everyone quotes. The part they skip: new listings fell almost 14%, which leaves this market tighter than the price headline lets on. Below, the same month broken down in Toronto, Vaughan, Markham, Richmond Hill, Aurora and Newmarket.

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August 13, 2026 · Moe Asgarian

A Few Notes for the Days After the War

These have been very hard days for the people of Iran. A few thoughts on carrying the weight together, being kinder to one another, and holding steady when life forces a move.

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August 13, 2026 · Moe Asgarian

New Toronto Housing Numbers: A Closer Look at August

August 2025 was the second weakest August in 12 years for GTA housing. The benchmark price has fallen more than $400,000 from its peak, yet sales rose again. Here are the numbers.

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August 13, 2026 · Moe Asgarian

A Good Time to Buy in Toronto: A Look at the New Monthly Numbers

GTA sales cooled for a third straight month in April 2024, yet the average price climbed to $1,120,000. Here is what the latest numbers mean for buyers and sellers.

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August 12, 2026 · Moe Asgarian

June 2024 Housing Numbers: What the First Rate Cut Actually Did

The Bank of Canada finally cut rates, and June 2024 is the first month we can measure the effect. Here are the Toronto and Canada numbers, and what they really tell us.

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August 12, 2026 · Moe Asgarian

How the 2026 World Cup Could Shake Up Toronto's Housing Market

Toronto is a host city for the 2026 World Cup. Here is how hosting the world's biggest sporting event could move rents, prices, and the city itself, for better and worse.

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August 12, 2026 · Moe Asgarian

Gold, Housing and Immigration: Three Reports Shaping Canada's Economy

Three fresh reports on Canada's economy point in the same direction: gold is booming, home prices should ease next year, and the real economic story runs deeper than immigration.

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August 11, 2026 · Moe Asgarian

Trump's 50-Year Mortgage and What It Means for Canada

A US plan for 50-year mortgages has Canadians asking if the same could happen here. Here is the real cost, why Canada's banks work differently, and what history tells us.

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August 11, 2026 · Moe Asgarian

The Bank of Canada Held Its Rate: What That Means for You

The Bank of Canada held its rate at 2.25% to close out 2025. Here is why it happened, what it means for borrowers, and my forecast for 2026.

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August 11, 2026 · Moe Asgarian

Toronto Housing Market, May 2025: More Listings, Fewer Sales

Toronto's May 2025 market kept the same trend going: fewer sales, more listings, and real leverage for buyers. Here is what the numbers say and what to do with them.

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August 11, 2026 · Moe Asgarian

Who Is Mark Carney? The Banker Who Could Lead Canada

Mark Carney is the front-runner to replace Justin Trudeau. Here's the banker who steered Canada through 2008, the rate cuts that set him apart, and the leadership fight ahead.

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August 11, 2026 · Moe Asgarian

Toronto's Busy November: Rising Sales and New Mortgage Rules

November 2024 brought a fourth straight month of rising Toronto sales, hot freehold demand, softer condos, and new mortgage rules landing in December.

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August 11, 2026 · Moe Asgarian

Toronto Housing News: Taxes, Condos, and What Buyers Should Watch

Three housing stories from early August 2024: how much tax Canadian families really pay, why most GTA condo investors are losing money, and what it all means for buyers.

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August 7, 2026 · Moe Asgarian

Everything About Richmond Hill's Housing Market in Early 2025

Richmond Hill is one of the most varied markets in the GTA. Here is how condos, townhouses, and detached homes performed in the first quarter of 2025, with the numbers.

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August 7, 2026 · Moe Asgarian

Toronto Housing Market Outlook for 2024

Nobody can predict the future, but we can weigh the likely scenarios. Here is why I am cautiously optimistic about Toronto's 2024 market, from rate cuts to the RE/MAX forecast.

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August 7, 2026 · Moe Asgarian

Trump's 25 Percent Tariff: What It Could Do to Canada and the Housing Market

A 25 percent tariff on Canadian goods could cost the average Canadian around $2,000 a year and put real pressure on mortgages and home prices. Here is how it plays out.

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August 6, 2026 · Moe Asgarian

My 2025 Condo Price Prediction for Toronto

Will Toronto condos get more expensive in 2025? Here is why high inventory keeps prices flat, and why the long game still pays.

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August 6, 2026 · Moe Asgarian

Three Rate Cuts in a Row: What It Means for Toronto Housing

The Bank of Canada's third straight cut brings the key rate to 4.25%. Here is what it means for your mortgage and the Toronto market.

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August 6, 2026 · Moe Asgarian

The Toronto and GTA Housing Market: June 2025 by the Numbers

The GTA market is finding its feet. Here is what June's sales, prices, and record listings really tell buyers and sellers.

August 6, 2026 · Moe Asgarian

GTA Real Estate Market Update, July 2026: Prices Soften While New Listings Pull Back Hard

The average GTA home sold for $1,003,956 in July 2026. That's down 4.53% from a year ago, and here's the odd part: new listings fell almost 18% while sales barely budged. I'll break down what that tug-of-war means for buyers and sellers, city by city.

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August 5, 2026 · Moe Asgarian

The Bank of Canada Held Rates. Fixed or Variable Now?

The Bank of Canada held its rate at 2.75 percent. Here is what a held rate means for your mortgage, why fixed works like insurance, and what renewals could cost.

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August 5, 2026 · Moe Asgarian

Should You Buy a Toronto Condo in 2025?

Toronto condo prices have slid since 2022. Here are the five forces that could push them back up, and why timing the exact bottom is the wrong goal.

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August 5, 2026 · Moe Asgarian

Canada Just Cut Interest Rates. What Happens Now?

The Bank of Canada cut its benchmark rate from 5 to 4.75 percent, the first cut in four years. Here is what it means for buyers, sellers, and the fixed versus variable question.

July 7, 2026 · Moe Asgarian

GTA Real Estate Report, June 2026: Sales Climb While Prices Soften

The average GTA home price slipped 3.91% year-over-year in June 2026, down to $1,058,658. And yet sales rose 8.44% while new listings dropped hard. Here's what that rebalancing means for buyers and sellers, market by market.

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May 8, 2026 · Moe Asgarian

Toronto Housing Market: The Spring 2026 Outlook

Toronto's first-quarter 2026 numbers are in. Sales and prices slipped year over year, but new listings dropped too, and buyers are landing real deals. Here is how to read the spring market.

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April 25, 2026 · Moe Asgarian

Why Some Toronto Condos Still Sell in Under 30 Days

Toronto's condo market is slow and a lot of units sit for months. So why do some still sell in under 30 days? It comes down to five things.

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April 24, 2026 · Moe Asgarian

Five Reasons Some Toronto Condos Still Sell in Under 30 Days

The Toronto condo market is soft, yet some units still sell in under a month. Here are the five things that decide whether a condo moves fast or sits for months.

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April 20, 2026 · Moe Asgarian

Ontario's HST Break, Record Gas Prices, and Canada's Job Market

Ontario dropped the HST on new homes and prices went up, not down. Add a record gas jump and a soft job market, and here is what it all means for rates and your next move.

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April 10, 2026 · Moe Asgarian

The Iran War and Canada's Economy: What to Expect

The war involving Iran is rippling through Canada's economy, from the Strait of Hormuz to your grocery bill and your mortgage renewal. Here is what to watch, and where Canada actually gains.

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March 27, 2026 · Moe Asgarian

Foreign Buyers Are Back on the Table: What History Tells Us

Ottawa is weighing an Australia-style rule that would open pre-sale projects to foreign buyers. Here is what Vancouver's and Ontario's foreign-buyer taxes already taught us, and why the market reacts every time the policy shifts.

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February 27, 2026 · Moe Asgarian

Buying a Toronto Condo: Mistakes to Avoid

Buying a condo looks simple until the details bite. Here is what to check before you buy in Toronto: floor plan over square footage, the builder and the building, the true cost, tenant rules, and buying at the right price.

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December 28, 2025 · Moe Asgarian

New Year, New Mortgage Rates: What Renewal Really Costs You

Mortgage renewals are the talk of the season. Here is what happens to your payment when you move from a 2% rate to today's 3.5% to 4%, with real numbers on an $800,000 loan.

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November 22, 2025 · Moe Asgarian

Good News for First-Time Buyers: Ontario's New HST Rebate Explained

Ontario plans to hand first-time buyers the 8% provincial HST back on homes up to $1 million. Here is who qualifies, how it stacks with the federal break, and what it really means for the market.

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October 24, 2025 · Moe Asgarian

Power of Sale in Toronto: Four Things Buyers Should Know

Power of sale listings in the GTA have jumped fivefold in three years. Here is what the term really means, how it differs from foreclosure, and what to check before you buy one.

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October 15, 2025 · Moe Asgarian

My Full Toronto and GTA Condo Market Forecast

Toronto's new-home and condo market has stalled to record lows. Here is what the numbers really say, and what buyers and sellers should do right now.

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October 11, 2025 · Moe Asgarian

Toronto's Construction Slowdown: What the Latest Numbers Really Say

GDP is inching up, building permits just hit a record, and thousands of finished homes have no buyers. A plain look at Toronto's housing signals and what they mean for you.

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September 21, 2025 · Moe Asgarian

How to Find a Good Tenant in Toronto

Being a landlord in Toronto is not easy. Last year there were about 50,000 complaints over unpaid rent. Here are the checks I use to avoid a bad tenant.

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September 6, 2025 · Moe Asgarian

Toronto Housing News: Inflation, Transit Density, and a Federal Funding Fight

Three stories are shaping Toronto real estate right now: cooling inflation with a stubborn core number, a density deal near 120 transit stations, and a 30 million dollar funding fight with Ottawa.

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August 30, 2025 · Moe Asgarian

How a Toronto Real Estate Agent Actually Earns a Living

Some people think real estate is easy money. Here are five real difficulties of being an agent in Toronto, from a saturated market to the legal risks nobody talks about.

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August 18, 2025 · Moe Asgarian

Why I'm Still Hopeful About the Condo Market

The Toronto preconstruction condo market is weak, with cancellations and thin demand. Here is why the medium term still looks different, and why condos keep pulling buyers.

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July 5, 2025 · Moe Asgarian

Pre-Construction Is Crushing Toronto's Condo Buyers: Assign or Close?

Moe Asgarian breaks down the real choice facing pre-construction condo buyers near closing in Toronto: sell the assignment at a loss, or close and hold. He runs the actual numbers.

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June 28, 2025 · Moe Asgarian

Toronto's Condo Market in Summer 2025: The Numbers and Your Strategy

Why Toronto housing is a five to ten year hold, who's buying and selling this summer, and the condo numbers by unit type that shape your strategy.

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June 8, 2025 · Moe Asgarian

Toronto's Condo Market in 2025: What Buyers, Sellers and Investors Should Know

A clear look at where Toronto's condo market really stands in 2025, the numbers behind the slowdown, and what buyers, sellers and investors should do next.

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May 19, 2025 · Moe Asgarian

Buying Beats Renting: A Full Cost Breakdown

In 2025 the numbers say buying a downtown Toronto condo can beat renting it. Here is the full comparison, and a method you can run yourself in any market.

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May 2, 2025 · Moe Asgarian

Cash Flow or Capital Gain: Which Is Better for Investing?

Should you invest in Toronto real estate for rental cash flow or for price growth? The right answer depends on where you are in your journey.

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April 29, 2025 · Moe Asgarian

Four Ways to Invest in Today's Toronto Housing Market

A slow market still hides good opportunities if you move carefully. Four that stand out right now, for first-time condo buyers, sellers, assignment hunters, and move-up buyers.

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April 3, 2025 · Moe Asgarian

Rents Fall, People Leave, and Wealth Hits a Record: Canada's Market This Month

Rents across Canada fell to an 18-month low, more people are leaving the country than in decades, and household wealth hit a record 17.5 trillion dollars. Here is what each story means for you.

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March 25, 2025 · Moe Asgarian

Short-Term Rentals in Toronto: Everything You Need to Know for 2025

Moe Asgarian breaks down Toronto's short-term rental rules for 2025: registration, the new $375 fee, the 28-day rule, night limits, and what you can and can't rent out.

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March 21, 2025 · Moe Asgarian

Toronto's Housing Month: Renewals, a Slowdown, and Luxury Condos

A quick read on three Canadian housing stories: the 2025 mortgage renewal wave, a national slowdown led by Toronto, and a luxury condo market that keeps climbing.

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March 11, 2025 · Moe Asgarian

Fixed or Variable? Your 2025 Mortgage Guide in a Tariff-Rattled Market

With Canada-US tariff threats shaking rates, my advice for early 2025 is clear: for most borrowers, a variable-rate mortgage is the smarter call.

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February 20, 2025 · Moe Asgarian

Trading Your Condo for a House in Toronto: A Practical Playbook

The detached market is hot and the condo market is quiet, which makes moving up tricky. Here are five moves that make the switch from condo to house work in your favour.

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February 15, 2025 · Moe Asgarian

Tariffs, Migration, and Mortgages: Three Stories Moving Toronto Housing

A possible trade war, a record wave of people leaving Canada, and a surprising look at who actually holds mortgages. Three stories that could shape the market this year.

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February 11, 2025 · Moe Asgarian

Canada Cut Rates to 3%, but Trump's Tariffs Changed the Mood

The Bank of Canada cut its overnight rate to 3% at its first meeting of 2025, but a 25 percent tariff threat from the U.S. turned a good news day into a nervous one. Here is how to think about your next move.

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February 7, 2025 · Moe Asgarian

US Tariffs and the Canadian Housing Market: What a Trade War Would Mean

The Canada-US tariff fight is paused for 30 days. If it restarts, here is what it could do to Canada's economy, your cost of living, and the housing and construction market.

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February 3, 2025 · Moe Asgarian

My 2025 Forecast for Toronto Freehold Starter Homes

Will 2025 finally bring more freehold homes to the GTA? Moe Asgarian says no, and lays out five predictions on starter-home prices, demand, and supply.

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