It’s been just over a year since the Office of the Superintendent of Financial Institutions (OSFI) implemented a game-changing revision to Canada’s mortgage rules—eliminating the stress test for uninsured borrowers switching lenders at renewal. And now, in 2025, we’re seeing the ripple effects across the mortgage and real estate landscape.

​The Greater Toronto Area (GTA) is currently experiencing a significant shift in its pre-construction condominium market. While inventory is abundant at present, a looming shortage is anticipated due to a slowdown in new project launches. This evolving landscape presents both challenges and opportunities for investors and homebuyers.​

​In the ever-evolving landscape of real estate, market slowdowns are an inevitable phase. However, these periods are not merely lulls but opportunities for proactive agents to refine their strategies and position themselves for future success.

Canada’s pre-construction housing scene is evolving—and fast. What was once a market primarily shaped by investor demand is now seeing new priorities emerge from end-users, shifting the way projects are being planned, designed, and sold. From location preferences to unit types and amenities, developers are tuning in to the changing needs of modern buyers.

In 2025, Canadian homebuyers, particularly those in Ontario and Toronto, have access to a variety of government programs designed to make purchasing a home more affordable. These initiatives encompass tax credits, savings plans, and incentives aimed at easing the financial burden of buying a home.

Buying a home in 2025 is more than just the price tag. While home prices across Ontario, Toronto, the GTA, and Alberta remain a major factor, many buyers underestimate the true cost of homeownership. From closing costs to property taxes, maintenance fees, and unexpected expenses, understanding these financial obligations is crucial for making a well-informed purchase.

Investing in real estate remains a cornerstone strategy for wealth building in Canada. As of 2025, investors are faced with a pivotal decision: should they invest in pre-construction properties or opt for resale homes? This analysis delves into the pros and cons of each option, with a focus on market data from Toronto and Calgary.

Securing optimal financing for investment properties in 2025 requires a strategic approach, especially within Ontario's evolving economic landscape. With interest rates on a downward trajectory and the real estate market exhibiting signs of stabilization, investors have a unique opportunity to expand their portfolios. This article delves into effective mortgage strategies, the role of private lending, and the benefits of leveraging existing equity to maximize investment potential.