Insights

Market updates & 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.

Canada's Economy After Mark Carney's Win: Three Questions for the Rest of 2025▶ Video
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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GTA Housing Market in April 2025: Fewer Sales, More Listings, Lower Prices▶ Video
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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Toronto Sellers Are Cutting Prices: Why Buyers Had the Upper Hand in May 2025▶ Video
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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Why the Bank of Canada Held Interest Rates on June 4, 2025▶ Video
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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Canada's Job Market, Housing and GDP in June 2025: What It Means for Toronto▶ Video
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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More Than 1.4 Million Canadians Missed a Payment in Early 2025. What That Means for Housing▶ Video
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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Advice for Iranians in Canada in June 2025: Stay in Touch, Stay Steady▶ Video
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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Canada Builds More Than Two Homes Per New Resident, and Prices Still Are Not Falling▶ Video
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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What Is This Home Worth? How to Price a Toronto Home in a Slow Market▶ Video
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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Is the Bank of Canada About to Raise Rates Again? My Read of Tiff Macklem's Speech▶ Video
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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Home Prices Dropped 30 Percent but the Payment Only Fell $270. Here Is Why▶ Video
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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Trump's 35% Tariff Threat and Canada's Housing Market in July 2025▶ Video
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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If the US Scraps Capital Gains Tax on Home Sales, What Happens to Canadian Real Estate?▶ Video
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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Canada's Housing News in August 2025: Build Costs, Recession Risk and Immigration▶ Video
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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July 2025 Was the GTA Housing Market's Best Month Since 2021▶ Video
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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RECO Froze iPro Realty's Trust Accounts: What Ontario Buyers and Agents Should Do▶ Video
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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Why Small Rate Cuts Barely Move Toronto Housing: Canada's Neutral Rate Range▶ Video
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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Bank of Canada Cuts the Policy Rate to 2.5% in September 2025: What It Meant for Toronto Housing▶ Video
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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iPro Realty Update and Toronto's Office Return, September 2025▶ Video
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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After the Rate Cut: Toronto's Housing Outlook for Fall 2025▶ Video
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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Toronto's September 2025 Market: More Sales, Softer Prices▶ Video
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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BMO's Three Scenarios for Canada's Economy: Bad, Very Bad and Frightening▶ Video
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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Business Optimism, First-Time Buyer Incomes and Why a Rate Cut Can Backfire▶ Video
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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The Fed Raised Rates in September 2026: Will Canadian Mortgages Get More Expensive?▶ Video
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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Where Will the Canadian Housing Market Be in Five Years?▶ Video
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.

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How Buying a Pre-Construction Condo in Toronto Works: Five Steps From Deposit to Closing
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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Toronto Home Prices Since 1993: A 417% Increase▶ Video
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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Canada's Budget 2026, Interest Rates and Housing Affordability▶ Video
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.

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

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How to Buy and Sell a Home at the Same Time in Toronto
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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Variable or Fixed Mortgage? What the Bank of Canada's Cuts Changed▶ Video
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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The 2026 GTA Housing Market Outlook: Neither a Crash Nor a Boom▶ Video
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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Toronto and GTA Housing Market: The November 2025 Numbers▶ Video
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.

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Should You Buy First or Sell First in Toronto? A Move-Up Decision Guide
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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Canada's November Jobs Surprise and the RE/MAX 2026 Buyer Outlook▶ Video
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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Canada's Population Decline and What It Means for Toronto Housing▶ Video
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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My 2025 Toronto Housing Predictions: The Full Scorecard▶ Video
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.

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Should You Sell Your House Privately or With a Realtor in Ontario?
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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Three Canadian Housing Stories From February 2026▶ Video
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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How a US and Israeli War With Iran Affects Canadian Mortgage Rates▶ Video
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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Toronto Housing Market in February 2026: Lower Prices, Fewer Choices▶ Video
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.

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When Is the Best Time to Sell a House in Toronto? (And the Hardest Month)
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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How the Eglinton LRT Is Changing Toronto Real Estate Along Its Route▶ Video
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.

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How to Choose a Listing Agent in the GTA: The Price Trap, the Referral, and Who Really Does the Work
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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Why the Bank of Canada Held Its Rate at 2.25% in April 2026▶ Video
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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Trump vs Carney: The Tariff Fight and Toronto's Housing Market▶ Video
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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Canada and the EU: What Closer Ties Mean for Toronto Housing▶ Video
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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Canada's Home Prices Rose in February 2026 While Jobs and Population Fell▶ Video
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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GTA Housing Market, March 2026: Sales Up, Prices Still Down▶ Video
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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TD's Report: Canada's 2026 Mortgage Renewal Shock Did Not Arrive▶ Video
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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Carney's Canada Strong Plan and What It Means for Housing▶ Video
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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Real Brokerage Is Buying RE/MAX: Three Market Signals From May 2026▶ Video
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.

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What Does a Condo Maintenance Fee Cover in Toronto?
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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GTA Housing Market in April 2026: More Sales, Fewer Listings, Lower Prices▶ Video
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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Why One in Six Canadian Millennials Still Lives With Their Parents▶ Video
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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What the Bank of Canada's Q1 2026 Surveys Said About Canada's Economy▶ Video
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.

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How to Buy a Home in Toronto From Out of Province
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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Canada Paid More Than $53 Billion in Debt Interest in One Year▶ Video
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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A $30 Million Bulk Condo Purchase Says Toronto's New Condo Market Is Near Its Floor▶ Video
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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Bank of Canada Holds Its Policy Rate at 2.25% in June 2026 for a Fifth Straight Time▶ Video
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.

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What Does a Cottage Cost to Own in Ontario? Seven Lines to Fill In Before You Offer
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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Alberta's October Vote on Separation: What It Means for Canada▶ Video
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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Six Conditions for Canada's Housing Market to Grow Again▶ Video
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.

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

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How to Price Your Home to Sell in Toronto: Market Value or Offer Night?
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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Canada's Foreign Buyer Ban Expires in January 2027: The Options▶ Video
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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Bank of Canada Holds the Rate at 2.25% in July 2026▶ Video
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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Five Shifts in the Toronto Housing Market as of September 2026▶ Video
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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Mortgage Renewals in 2026: What to Do When Your Rate Resets▶ Video
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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Toronto Housing Market, July 2026: Fewer Listings, Flat Sales▶ Video
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.

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

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How Accurate Is the HouseSigma Estimate for Your Toronto Condo?
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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Toronto's Condo Market: What Buyers and Sellers Should Actually Do▶ Video
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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Why Toronto's Housing Market Has Not Crashed▶ Video
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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Are Buyers Back? Inside Toronto's Fall 2026 Housing Market▶ Video
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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The Bank of Canada Held Rates in September 2026. Why Fixed Mortgage Rates Could Still Rise▶ Video
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.

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

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What Kind of Home Can You Buy in North York for $1.5M?
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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The Best Places to Live in Canada Depend on Your Stage of Life▶ Video
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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Short Term Rentals in Ontario: Five Things to Get Right▶ Video
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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Building a Sixplex in Toronto: What Investors Need to Know▶ Video
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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The Tools on the Team Asgarian Website and What They Do▶ Video
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.

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What Does Irrevocable Mean in an Ontario Real Estate Offer?
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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Mortgage Payments Are Up About 20%. Why Aren't Canadians Selling?▶ Video
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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Buy a Home, Rent, or Put the Money in the Stock Market?▶ Video
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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Five Keys to Buying Your First Home in Canada With Confidence▶ Video
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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The GTA Average Price Fell Under $1 Million: Did the Market Crash?▶ Video
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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How to Choose a Real Estate Agent in Toronto▶ Video
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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Real Estate Identity Fraud in Toronto and How to Stop It▶ Video
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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Five Real Estate Words Every Toronto Buyer Should Know▶ Video
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.

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August 2026 GTA Market Report: Listings Dried Up Faster Than Sales Did
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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A Few Notes for the Days After the War▶ Video
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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New Toronto Housing Numbers: A Closer Look at August▶ Video
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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A Good Time to Buy in Toronto: A Look at the New Monthly Numbers▶ Video
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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June 2024 Housing Numbers: What the First Rate Cut Actually Did▶ Video
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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How the 2026 World Cup Could Shake Up Toronto's Housing Market▶ Video
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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Gold, Housing and Immigration: Three Reports Shaping Canada's Economy▶ Video
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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Trump's 50-Year Mortgage and What It Means for Canada▶ Video
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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The Bank of Canada Held Its Rate: What That Means for You▶ Video
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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Toronto Housing Market, May 2025: More Listings, Fewer Sales▶ Video
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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Who Is Mark Carney? The Banker Who Could Lead Canada▶ Video
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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Toronto's Busy November: Rising Sales and New Mortgage Rules▶ Video
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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Toronto Housing News: Taxes, Condos, and What Buyers Should Watch▶ Video
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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Everything About Richmond Hill's Housing Market in Early 2025▶ Video
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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Toronto Housing Market Outlook for 2024▶ Video
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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Trump's 25 Percent Tariff: What It Could Do to Canada and the Housing Market▶ Video
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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My 2025 Condo Price Prediction for Toronto▶ Video
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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Three Rate Cuts in a Row: What It Means for Toronto Housing▶ Video
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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The Toronto and GTA Housing Market: June 2025 by the Numbers▶ Video
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.

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GTA Real Estate Market Update, July 2026: Prices Soften While New Listings Pull Back Hard
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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The Bank of Canada Held Rates. Fixed or Variable Now?▶ Video
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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Should You Buy a Toronto Condo in 2025?▶ Video
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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Canada Just Cut Interest Rates. What Happens Now?▶ Video
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.

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GTA Real Estate Report, June 2026: Sales Climb While Prices Soften
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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Toronto Housing Market: The Spring 2026 Outlook▶ Video
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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Why Some Toronto Condos Still Sell in Under 30 Days▶ Video
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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Five Reasons Some Toronto Condos Still Sell in Under 30 Days▶ Video
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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Ontario's HST Break, Record Gas Prices, and Canada's Job Market▶ Video
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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The Iran War and Canada's Economy: What to Expect▶ Video
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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Foreign Buyers Are Back on the Table: What History Tells Us▶ Video
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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Buying a Toronto Condo: Mistakes to Avoid▶ Video
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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New Year, New Mortgage Rates: What Renewal Really Costs You▶ Video
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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Good News for First-Time Buyers: Ontario's New HST Rebate Explained▶ Video
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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Power of Sale in Toronto: Four Things Buyers Should Know▶ Video
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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My Full Toronto and GTA Condo Market Forecast▶ Video
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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Toronto's Construction Slowdown: What the Latest Numbers Really Say▶ Video
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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How to Find a Good Tenant in Toronto▶ Video
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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Toronto Housing News: Inflation, Transit Density, and a Federal Funding Fight▶ Video
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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How a Toronto Real Estate Agent Actually Earns a Living▶ Video
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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Why I'm Still Hopeful About the Condo Market▶ Video
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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Pre-Construction Is Crushing Toronto's Condo Buyers: Assign or Close?▶ Video
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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Toronto's Condo Market in Summer 2025: The Numbers and Your Strategy▶ Video
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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Toronto's Condo Market in 2025: What Buyers, Sellers and Investors Should Know▶ Video
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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Buying Beats Renting: A Full Cost Breakdown▶ Video
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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Cash Flow or Capital Gain: Which Is Better for Investing?▶ Video
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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Four Ways to Invest in Today's Toronto Housing Market▶ Video
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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Rents Fall, People Leave, and Wealth Hits a Record: Canada's Market This Month▶ Video
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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Short-Term Rentals in Toronto: Everything You Need to Know for 2025▶ Video
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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Toronto's Housing Month: Renewals, a Slowdown, and Luxury Condos▶ Video
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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Fixed or Variable? Your 2025 Mortgage Guide in a Tariff-Rattled Market▶ Video
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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Trading Your Condo for a House in Toronto: A Practical Playbook▶ Video
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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Tariffs, Migration, and Mortgages: Three Stories Moving Toronto Housing▶ Video
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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Canada Cut Rates to 3%, but Trump's Tariffs Changed the Mood▶ Video
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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US Tariffs and the Canadian Housing Market: What a Trade War Would Mean▶ Video
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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My 2025 Forecast for Toronto Freehold Starter Homes▶ Video
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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Three Big Lessons from the 2024 Toronto Housing Market▶ Video
January 27, 2025 · Moe Asgarian

Three Big Lessons from the 2024 Toronto Housing Market

By the numbers, 2024 was a hard year for Toronto real estate. Here is what happened across pre-construction, resale, and rentals, and the four policy shifts shaping 2025.

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Trump's Tariffs and Canada: The 5 Questions That Matter▶ Video
January 23, 2025 · Moe Asgarian

Trump's Tariffs and Canada: The 5 Questions That Matter

Trump is back and the word in Canada is tariffs. Here are the five questions that matter most for our economy: how big, how fast, why, which laws, and what could stop him.

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My Full Breakdown of Toronto's Condo Market▶ Video
January 16, 2025 · Moe Asgarian

My Full Breakdown of Toronto's Condo Market

Moe Asgarian walks through what really happened in Toronto's condo market in 2024, why prices held up despite high inventory, and what to watch for in 2025.

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Toronto's Housing Market From 2021 to 2024: A Benchmark Price Review▶ Video
January 6, 2025 · Moe Asgarian

Toronto's Housing Market From 2021 to 2024: A Benchmark Price Review

A four-year look at Toronto and GTA home prices using the benchmark index, from early 2021 to the end of 2024, across detached, townhouse and condo.

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My 2024 Toronto Market Predictions: What I Got Right▶ Video
January 3, 2025 · Moe Asgarian

My 2024 Toronto Market Predictions: What I Got Right

I made three predictions for Toronto real estate in 2024. Here is what came true, where I was wrong on rents, and my honest call for 2025.

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Why We Should Treat the Trudeau Government as Finished▶ Video
December 30, 2024 · Moe Asgarian

Why We Should Treat the Trudeau Government as Finished

Freeland resigned, the NDP pulled its support, and a Conservative government now looks likely within months. Here is what the political shakeup means for Canada's economy and housing.

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Two Predictions for Toronto's 2025 Housing Market▶ Video
December 27, 2024 · Moe Asgarian

Two Predictions for Toronto's 2025 Housing Market

RE/MAX and Royal LePage both see growth for Toronto in 2025. Here are their forecasts, plus my own read on freehold homes and the condo market.

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Rents in Toronto Came Down▶ Video
November 27, 2024 · Moe Asgarian

Rents in Toronto Came Down

For the first time since the pandemic began, rents in Canada have fallen. Here is what the latest reports show for Toronto and why the trend may continue.

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Canada's New Secondary Suite Loan: What It Means for Homeowners▶ Video
November 4, 2024 · Moe Asgarian

Canada's New Secondary Suite Loan: What It Means for Homeowners

Moe Asgarian breaks down Canada's new insured refinance program letting homeowners borrow up to 90% of their home's value to build secondary suites, plus a coming change to the stress test.

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What to Know Before Buying Your First Home in Toronto▶ Video
October 22, 2024 · Moe Asgarian

What to Know Before Buying Your First Home in Toronto

A start-to-finish guide to buying your first home in Toronto: savings accounts, down payments, pre-approval, fixed vs variable, the offer, conditions and closing costs.

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Buying a Condo in Toronto: What the Charts Actually Say▶ Video
October 14, 2024 · Moe Asgarian

Buying a Condo in Toronto: What the Charts Actually Say

Moe Asgarian breaks down Toronto's condo market from March 2022 to October 2024, average prices, sales volume, and inventory, and explains what it means for buyers right now.

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My 10 Tips for Buying a Condo in Toronto▶ Video
October 8, 2024 · Moe Asgarian

My 10 Tips for Buying a Condo in Toronto

The Toronto condo market has slowed to a near stop for investors. If I were buying today, these are the ten things I would not ignore before I put my money down.

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Higher Mortgage Cap and Relief for First Time Buyers▶ Video
September 18, 2024 · Moe Asgarian

Higher Mortgage Cap and Relief for First Time Buyers

Canada announced two mortgage changes: a higher cap on insured mortgages and a longer amortization for first time buyers. Here is what they mean for you.

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Renewing Your Mortgage in Canada: 4 Ways to Save Thousands▶ Video
September 9, 2024 · Moe Asgarian

Renewing Your Mortgage in Canada: 4 Ways to Save Thousands

Your renewal rate is negotiable, and a few smart moves can keep it from costing you thousands. Here are four things to check before you sign.

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Where Is the Toronto Housing Market Heading This Year?▶ Video
August 30, 2024 · Moe Asgarian

Where Is the Toronto Housing Market Heading This Year?

The first half of 2024 in one line: a resilient freehold market on one side, rising condo inventory and softer condo prices on the other. Here is my read and what comes next.

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How to Sell Your Toronto Condo in a Buyer's Market▶ Video
August 18, 2024 · Moe Asgarian

How to Sell Your Toronto Condo in a Buyer's Market

Toronto condos are piling up as inventory climbs. Here is how to actually sell yours for a good price in a buyer's market: rank against active listings, nail your presentation, and price it right from day one.

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The Toronto Neighbourhoods Buyers Love Most Right Now▶ Video
August 7, 2024 · Moe Asgarian

The Toronto Neighbourhoods Buyers Love Most Right Now

RE/MAX ranked Toronto's most-wanted neighbourhoods in its July 2024 report. Here is what made the list, why some famous names did not, and what buyers actually care about.

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Open Bidding vs Blind Bidding: Does Ontario's New Law Change Anything?▶ Video
July 30, 2024 · Moe Asgarian

Open Bidding vs Blind Bidding: Does Ontario's New Law Change Anything?

Ontario now lets sellers run an open bid where rival offers are visible. Sounds like it should cool prices, but does it? Here is how the law works and what really sets a home's price.

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Toronto First-Time Buyers and the Stuck Property Ladder▶ Video
July 24, 2024 · Moe Asgarian

Toronto First-Time Buyers and the Stuck Property Ladder

First-time buyers in Toronto feel stuck. The property ladder's bottom rung, condo prices, has barely moved in five years. Here is why that happened, why prices are not falling, and two fixes that would help.

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My Summer 2024 Forecast for the Toronto Housing Market▶ Video
July 18, 2024 · Moe Asgarian

My Summer 2024 Forecast for the Toronto Housing Market

Falling rates are reshaping Toronto real estate. Moe Asgarian forecasts the summer 2024 market for condos and freehold, from oversupply to the best time to buy.

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The Complete Guide to Toronto Assignment Sales: Pros and Cons▶ Video
July 12, 2024 · Moe Asgarian

The Complete Guide to Toronto Assignment Sales: Pros and Cons

How Toronto assignment sales work, their real upside and hidden costs, and a Galleria on the Park deal that closed at $600,000 or $920 a square foot.

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Old Condo or New Build? Which to Buy in Toronto▶ Video
July 3, 2024 · Moe Asgarian

Old Condo or New Build? Which to Buy in Toronto

New condos look modern, but older Toronto condos quietly win on space, build quality, and location. Here's the honest case for each, and who each one suits.

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Toronto Housing Market After the Rate Cut: Buy, Sell, or Hold?▶ Video
June 28, 2024 · Moe Asgarian

Toronto Housing Market After the Rate Cut: Buy, Sell, or Hold?

The Bank of Canada cut rates. Here is what that signal means for Toronto buyers, sellers, and the widening gap between condos and freehold homes.

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Toronto Opens Its Main Streets to Small Builders: What Changed▶ Video
June 20, 2024 · Moe Asgarian

Toronto Opens Its Main Streets to Small Builders: What Changed

Toronto now lets builders put six-storey, 60-unit buildings on its main streets, Ontario's new Homeowner Protection Act reshapes pre-construction rules, and mortgage debt hits $2.16 trillion. Here is what it means for you.

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How to Get Your Real Estate License in Ontario▶ Video
June 1, 2024 · Moe Asgarian

How to Get Your Real Estate License in Ontario

From the college certificate to registering with a brokerage, here is the full path to working as a real estate agent in Ontario, step by step.

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Why Now Is a Good Time to Buy a Condo in Toronto▶ Video
May 24, 2024 · Moe Asgarian

Why Now Is a Good Time to Buy a Condo in Toronto

First quarter condo numbers are in, and they point to a buyer friendly window in Toronto. More listings, softer prices, and rate cuts on the horizon.

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Toronto Condo Rents Just Fell: What the Latest GTA Data Really Says▶ Video
May 19, 2024 · Moe Asgarian

Toronto Condo Rents Just Fell: What the Latest GTA Data Really Says

Average GTA condo rent dropped for the first time in years, but a coming supply squeeze could send it climbing again. Here is the full picture.

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The New Capital Gains Tax Increase and Three Predictions for Toronto Real Estate▶ Video
May 14, 2024 · Moe Asgarian

The New Capital Gains Tax Increase and Three Predictions for Toronto Real Estate

Ottawa raised the capital gains inclusion rate for the first time since 2001. Here is what changed, who pays more, and three ways it could hit the Toronto housing market.

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Rates, Debt, and Halal Mortgages: What Canadian Buyers Should Know▶ Video
May 7, 2024 · Moe Asgarian

Rates, Debt, and Halal Mortgages: What Canadian Buyers Should Know

Tiff Macklem says rates are not returning to COVID-era lows and cuts will be gradual. Plus household debt near 3 trillion dollars, buyer regret surveys, and how halal mortgages work.

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Inside Our April 2024 Condo Expo: Four Hand-Picked Toronto Pre-Construction Projects▶ Video
May 3, 2024 · Moe Asgarian

Inside Our April 2024 Condo Expo: Four Hand-Picked Toronto Pre-Construction Projects

A one-day buying event at the RE/MAX hall brought four pre-construction projects, 5% down deals, and free parking to hundreds of Toronto buyers.

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The Toronto Condo Market: Ten Years in Perspective▶ Video
April 28, 2024 · Moe Asgarian

The Toronto Condo Market: Ten Years in Perspective

Toronto condo prices are roughly back where they were in late 2019. Here's the story of a wild decade, why prices stalled, and what I expect next.

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Canada's New Mortgage Measures for First-Time Buyers, April 2024▶ Video
April 21, 2024 · Moe Asgarian

Canada's New Mortgage Measures for First-Time Buyers, April 2024

Ottawa's April 2024 measures for first-time buyers: a 30-year amortization on new builds, a bigger RRSP withdrawal, plus spring listings and CMHC's forecast.

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Canada's New Plan to Support Renters: Three Key Points▶ Video
April 11, 2024 · Moe Asgarian

Canada's New Plan to Support Renters: Three Key Points

Moe Asgarian breaks down Ottawa's new proposal to help renters: a national lease standard with rental price history, rent payments counting toward credit scores, and a $15 million fund to protect tenants.

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Refinancing Your Home in Canada: How It Works and When It Makes Sense▶ Video
April 7, 2024 · Moe Asgarian

Refinancing Your Home in Canada: How It Works and When It Makes Sense

Refinancing lets you replace your mortgage with a bigger one and free up cash. Here is how it works, why people do it, and when it actually pays off.

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Toronto Housing in 10 Years: Three Price Scenarios▶ Video
March 17, 2024 · Moe Asgarian

Toronto Housing in 10 Years: Three Price Scenarios

Where will a Toronto home price land in 2032? I walk through three scenarios, from another doubling to a 1989-style crash, and the realistic middle path.

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Five Common Mistakes People Make Buying a Toronto Condo▶ Video
March 6, 2024 · Moe Asgarian

Five Common Mistakes People Make Buying a Toronto Condo

The Toronto condo market runs on promises of doubling money and easy rent. Here are the five mistakes that trip buyers up, from chasing a quick jump to buying in an investor building.

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Work Permit Iranians and Buying a Home in Canada: Should You Invest in Pre-Construction?▶ Video
March 3, 2024 · Moe Asgarian

Work Permit Iranians and Buying a Home in Canada: Should You Invest in Pre-Construction?

Moe Asgarian explains whether Iranians on an open work permit should buy a pre-construction home in Toronto, and why getting your PR sorted first usually matters more.

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How to Fill Out a Toronto Lease Agreement (Without an Agent)▶ Video
February 24, 2024 · Moe Asgarian

How to Fill Out a Toronto Lease Agreement (Without an Agent)

Renting out your place to someone you already know? Moe Asgarian walks through the Ontario Residential Tenancy Agreement line by line so you sign a lease that actually protects you later.

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Canada's International Student Cap, Explained in Numbers▶ Video
February 15, 2024 · Moe Asgarian

Canada's International Student Cap, Explained in Numbers

Canada is capping international students for two years, with a 35% cut to undergraduate study permits. Here is what the official numbers say, and what it means for Toronto rent and home prices.

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A Complete Guide to Buying and Selling in Toronto's Condo Market▶ Video
February 8, 2024 · Moe Asgarian

A Complete Guide to Buying and Selling in Toronto's Condo Market

What drives Toronto's condo market, what the price and inventory charts actually say, and the factors buyers and sellers need to watch before they make a move.

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Two Key Questions About Toronto Pre-Construction Projects▶ Video
January 31, 2024 · Moe Asgarian

Two Key Questions About Toronto Pre-Construction Projects

A delayed pre-construction condo doesn't always mean you can walk with your deposit, and a developer can't just hike your price after you sign. Here's how it actually works in Ontario.

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Toronto's New Property Tax Hike: What It Means for the Market▶ Video
January 21, 2024 · Moe Asgarian

Toronto's New Property Tax Hike: What It Means for the Market

Toronto's 2024 budget raises property tax by 9 percent plus a 1.5 percent building levy. Here is what is behind it and how much it really affects the housing market.

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Why Are New Homes in Toronto Catching Fire?▶ Video
January 17, 2024 · Moe Asgarian

Why Are New Homes in Toronto Catching Fire?

Brand-new, empty Toronto homes are being set on fire on purpose. Moe Asgarian breaks down what's really driving it, and why it ends up costing real buyers more.

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How to Rent Out Your First Home in Toronto▶ Video
January 13, 2024 · Moe Asgarian

How to Rent Out Your First Home in Toronto

Renting out your first condo or house comes down to finding the right tenant. Here's how I vet applicants, from income and employment to credit and references.

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Everything About Toronto's New Airbnb Rules▶ Video
January 10, 2024 · Moe Asgarian

Everything About Toronto's New Airbnb Rules

From 2024, short term rental hosts in Toronto face tighter rules and a key tax change. Here is what changed and whether it will really move the rental market.

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Seven Things to Know Before You Buy a Pre-Construction Condo in Toronto▶ Video
January 6, 2024 · Moe Asgarian

Seven Things to Know Before You Buy a Pre-Construction Condo in Toronto

Pre-construction condos look like an easy way into Toronto real estate, but the fine print is different. Here are seven things to know before you sign, from pricing to occupancy fees.

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Trudeau's Half-Billion Dollar Housing Help for Toronto▶ Video
January 3, 2024 · Moe Asgarian

Trudeau's Half-Billion Dollar Housing Help for Toronto

Ottawa sent Toronto $471 million for housing at the end of 2023. Moe Asgarian explains what the Housing Accelerator Fund does and what it means for buyers and investors.

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How to Rent a Home in Toronto: The 3 Documents Landlords Want▶ Video
December 30, 2023 · Moe Asgarian

How to Rent a Home in Toronto: The 3 Documents Landlords Want

For most newcomers, the Toronto housing journey starts with renting. Here are the three documents you need to land a good condo or home.

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How to Buy a Home in Toronto: A Step-by-Step Guide for Beginners▶ Video
December 24, 2023 · Moe Asgarian

How to Buy a Home in Toronto: A Step-by-Step Guide for Beginners

A clear, step-by-step look at down payments, loan types, private lenders, and the credit score that decides your mortgage rate in Toronto.

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Five Keys to Spotting a Good Investment Property▶ Video
December 15, 2023 · Moe Asgarian

Five Keys to Spotting a Good Investment Property

How do you know if a property is worth buying? These five factors separate a smart investment from an expensive mistake in the Toronto market.

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Buying Pre-Construction in Toronto? Read This First▶ Video
December 11, 2023 · Moe Asgarian

Buying Pre-Construction in Toronto? Read This First

Another Toronto builder just collapsed and froze 1,757 planned homes. Here is what to check before you buy pre-construction, and who should wait.

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How to Get a Mortgage in Canada: A Complete Beginner's Guide▶ Video
December 8, 2023 · Moe Asgarian

How to Get a Mortgage in Canada: A Complete Beginner's Guide

Before you buy a home you need a mortgage, and the jargon trips everyone up. Here are the basics in plain English: down payment, fixed vs variable, amortization, term, and pre-approval.

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