If you bought a home or renewed your mortgage during the ultra-low interest rate years of 2020 or 2021, there’s a good chance your next renewal could look very different from your last one. And honestly… a lot of homeowners are starting to feel nervous about it. Over the next couple of years, millions of Canadians will be renewing their mortgages into much higher interest rates than they’ve been used to. For some people, the increase might be manageable. For others, it... [read more]

If you’re trying to understand how the real estate market is actually behaving right now, this is a perfect example. I recently helped a buyer purchase a home where we saw it at 5:00 PM, submitted the offer at 7:00 PM, and had it accepted by 11:36 AM the next day. The entire process took less than 24 hours. That might sound fast, but it wasn’t rushed, chaotic, or risky. It was a well-prepared buyer meeting a well-positioned home at the right time. And that’s... [read more]

If you are trying to make sense of Ottawa’s housing market, you are not alone. Headlines often point in different directions, which makes it hard to know what is actually happening. The clearest way to understand the market is to look at average sale prices, based on real transactions, not forecasts. The data below comes from the Ottawa Real Estate Board and reflects activity through December 2025. Where Prices Finished the Year In December, the average residential sale... [read more]

If you’re thinking about buying or selling a home in Ottawa, 2026 is likely already on your radar. After several years of market shifts, changing interest rates, and cautious decision-making, many homeowners and buyers are asking the same question: what comes next for Ottawa real estate? While no forecast is perfect, current trends give us a strong indication of where the market is heading and how you can prepare for it. A Market Returning to Balance Ottawa’s real... [read more]

The Bank of Canada just lowered its key interest rate to 2.25%, marking its second consecutive cut. For Ottawa’s real estate market, this move could create new opportunities for both buyers and sellers. Why It Happened The Bank made this move to support the slowing economy while keeping inflation near its 2% target. Borrowing is now a little cheaper, which could encourage more activity in the housing market. For Home Buyers If you’ve been waiting for the right time... [read more]