Why Now is the Smartest Time to Buy in Toronto Since 2019
If you've been waiting for the right moment to buy real estate in Toronto, this is it. For the first time in years, the market has shifted in favour of buyers—and it's bringing with it a wave of opportunity not seen since 2019.
Between surging inventory, stable prices, and anticipated interest rate cuts, buyers now have the time, leverage, and breathing room they lacked during the heated markets of 2020–2022. Whether you're a first-time buyer, a move-up buyer, or someone who was previously priced out, here’s why 2025 is shaping up to be the smartest time to re-enter the market.
1. Inventory Is Up—And That’s a Good Thing
The number of listings on the market has significantly increased compared to previous years. According to recent Toronto Regional Real Estate Board (TRREB) data, active listings are up over 50% year-over-year in many neighbourhoods, particularly in the condo sector.
This means more choice, more negotiating power, and less competition. During the pandemic-fueled frenzy, buyers were routinely forced into bidding wars and rushed decision-making. Now, buyers can explore multiple options, make informed decisions, and even negotiate conditions back into their offers—like home inspections and financing clauses.
2. Prices Have Stabilized
After years of double-digit price increases, home prices have finally plateaued—and in some cases, even corrected. This is especially true in the condo market and outer-core neighbourhoods.
For buyers, this means you're no longer paying peak pricing inflated by emotional bidding or record-low inventory. Instead, you can assess real value and buy at a time when pricing is more aligned with fundamentals. For many, this is a rare opportunity to enter the market with long-term upside and lower short-term risk.
3. Interest Rates Are Poised to Drop
Perhaps the biggest tailwind for buyers in 2025? The Bank of Canada is expected to begin cutting interest rates after a historic series of hikes in 2022 and 2023. With inflation cooling and borrowing costs still high, economists anticipate multiple rate reductions over the coming year.
While mortgage rates haven’t dropped significantly yet, they’re likely to follow suit as the Bank of Canada adjusts its policy rate. Getting pre-approved now—before rates decline and demand surges again—can give buyers an edge. Locking in a rate today means being ready to act as the market heats back up.
Final Thoughts: Your Window Is Now
Real estate cycles are just that—cycles. The frenzied seller’s market may have cooled, but it won’t stay that way forever. Once interest rates begin to fall and pent-up demand returns, we could see another wave of competition.
Smart buyers act during moments like this: when there’s less noise, more choice, and time to think strategically.
At Wealth Builders, we’ve helped hundreds of clients capitalize on timing—because buying at the right time makes all the difference. If you’ve been waiting for your window, consider this your sign. Let’s talk strategy and make your move.
📩 Book a call with our team today and get personalized insights based on your goals.