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.

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

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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.

Six Conditions for Canada's Housing Market to Grow Again

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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.

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

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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.

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

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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.

Five Shifts in the Toronto Housing Market as of September 2026

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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.

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

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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.

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

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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.

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

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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.

Why Toronto's Housing Market Has Not Crashed

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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.

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

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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.

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

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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.

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

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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.

Short Term Rentals in Ontario: Five Things to Get Right

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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.

Building a Sixplex in Toronto: What Investors Need to Know

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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.

The Tools on the Team Asgarian Website and What They Do

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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.

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

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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.

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

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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.

Five Keys to Buying Your First Home in Canada With Confidence

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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.

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

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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.

How to Choose a Real Estate Agent in Toronto

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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.

Real Estate Identity Fraud in Toronto and How to Stop It

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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.

Five Real Estate Words Every Toronto Buyer Should Know

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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.

New Toronto Housing Numbers: A Closer Look at August

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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.

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

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

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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.

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

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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.

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

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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.

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

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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.

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

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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.

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

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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.

Who Is Mark Carney? The Banker Who Could Lead Canada

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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.

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

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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.

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

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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.

Everything About Richmond Hill's Housing Market in Early 2025

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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.

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

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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.

My 2025 Condo Price Prediction for Toronto

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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.

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

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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.

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

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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.

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

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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.

Canada Just Cut Interest Rates. What Happens Now?

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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.

Toronto Housing Market: The Spring 2026 Outlook

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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.

Why Some Toronto Condos Still Sell in Under 30 Days

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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.

Five Reasons Some Toronto Condos Still Sell in Under 30 Days

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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.

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

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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.

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

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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.

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

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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.

Buying a Toronto Condo: Mistakes to Avoid

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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.

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

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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.

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

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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.

Power of Sale in Toronto: Four Things Buyers Should Know

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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.

My Full Toronto and GTA Condo Market Forecast

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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.

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

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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.

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

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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.

How a Toronto Real Estate Agent Actually Earns a Living

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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.

Why I'm Still Hopeful About the Condo Market

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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.

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

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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.

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

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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.

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

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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.

Buying Beats Renting: A Full Cost Breakdown

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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.

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

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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.

Four Ways to Invest in Today's Toronto Housing Market

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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.

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

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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.

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

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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.

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

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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.

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

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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.

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

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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.

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

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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.

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

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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.

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

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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.

My 2025 Forecast for Toronto Freehold Starter Homes

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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.

Three Big Lessons from the 2024 Toronto Housing Market

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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.

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

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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.

My Full Breakdown of Toronto's Condo Market

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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.

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

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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.

My 2024 Toronto Market Predictions: What I Got Right

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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.

Why We Should Treat the Trudeau Government as Finished

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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.

Two Predictions for Toronto's 2025 Housing Market

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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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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.

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

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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.

What to Know Before Buying Your First Home in Toronto

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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.

Buying a Condo in Toronto: What the Charts Actually Say

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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.

My 10 Tips for Buying a Condo in Toronto

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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.

Higher Mortgage Cap and Relief for First Time Buyers

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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.

Renewing Your Mortgage in Canada: 4 Ways to Save Thousands

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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.

Where Is the Toronto Housing Market Heading This Year?

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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.

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

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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.

The Toronto Neighbourhoods Buyers Love Most Right Now

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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.

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

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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.

Toronto First-Time Buyers and the Stuck Property Ladder

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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.

My Summer 2024 Forecast for the Toronto Housing Market

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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.

The Complete Guide to Toronto Assignment Sales: Pros and Cons

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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.

Old Condo or New Build? Which to Buy in Toronto

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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.

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

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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.

Toronto Opens Its Main Streets to Small Builders: What Changed

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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.

How to Get Your Real Estate License in Ontario

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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.

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

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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.

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

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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.

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

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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.

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

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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.

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

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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.

The Toronto Condo Market: Ten Years in Perspective

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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.

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

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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.

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

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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.

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

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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.

Toronto Housing in 10 Years: Three Price Scenarios

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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.

Five Common Mistakes People Make Buying a Toronto Condo

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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.

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

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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.

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

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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.

Canada's International Student Cap, Explained in Numbers

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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.

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

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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.

Two Key Questions About Toronto Pre-Construction Projects

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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.

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

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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.

Why Are New Homes in Toronto Catching Fire?

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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.

How to Rent Out Your First Home in Toronto

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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.

Everything About Toronto's New Airbnb Rules

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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.

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

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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.

Trudeau's Half-Billion Dollar Housing Help for Toronto

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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.

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

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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.

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

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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.

Five Keys to Spotting a Good Investment Property

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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.

Buying Pre-Construction in Toronto? Read This First

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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.

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

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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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