Fara Ghafari, 88 West Realty
Fara Ghafari is a licensed real estate agent as well as a REALTOR® in CREA and an expert in rental and for-sale properties at 88 West Realty.
Fara Ghafari is a licensed real estate agent as well as a REALTOR® in CREA and an expert in rental and for-sale properties at 88 West Realty.
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Will Canadian Mortgage Rates Stay Stable in 2026?
The Bank of Canada policy rate is currently 2.25%, with most forecasts expecting interest rates to remain largely stable through 2026. Canada’s prime rate sits near 4.45% while inflation is about 2.3%, suggesting borrowing costs may stay steady rather than fall sharply. By the end of 2026, about 33% of Canadian mortgage holders are expected […]
OSFI Pressures Banks as Condo Appraisals Reset
Slide 1 Canada’s banking watchdog flagged risks in pre-construction condo appraisals potentially breaching 80% loan-to-value mortgage rules. Slide 2 Blanket appraisals worked during rising prices but create challenges as condo markets soften. Slide 3 Pre-construction condo prices dropped 10–30% from 2022 peaks, increasing valuation risks at closing. Slide 4 Regulatory scrutiny encourages stronger valuation practices, […]
Canada Housing: Developers Boost Buyer Incentives
Developers across Canada are increasing incentives as weak new-home sales signal softer housing demand and slower market momentum. Major declines in markets like Greater Toronto Area, Vancouver, and Montreal suggest near-term price growth may remain limited. Rising unsold inventory and promotional offers indicate buyers gaining leverage in new-construction negotiations.Slowing sales could reduce future housing starts, […]
MLS® Home Price Index
The MLS® Home Price Index (MLS® HPI) is an advanced tool developed by major Canadian real estate boards to accurately measure neighborhood home price levels and trends. It uses a statistical model considering both quantitative and qualitative home features. The MLS® HPI is less volatile than average or median prices, offering consistent, comparable home price […]