Canada's middle-class housing crisis harms the economy and society by pricing workers out of opportunity-rich cities, reducing productivity, innovation, and entrepreneurship. It causes essential worker shortages, longer commutes, lower birth rates, increased inequality, political polarization, and homelessness. High housing costs limit social mobility, fuel wealth gaps, and undermine climate action efforts, destabilizing institutions and worsening public services.
Canada’s housing market eyes a modest comeback in 2026 after a soft 2025 slowdown.
TD Economics predicts national home prices rise 4%, reversing a 1% decline last year.
Home sales could jump 9% nationally, rebounding from a 2% drop in 2025.
Newfoundland cools slightly, with sales growth under 2% after last year’s 8% spike.
Pent-up demand and easing conditions fuel cautious optimism nationwide heading into 2026.
BoC hinting rates “as good as it gets” pulled sidelined buyers back.
First-time buyers matter most—they buy homes without adding new supply.
CREA predicts 494K sales in 2026, climbing again into 2027.
Hidden insight: Tariff threats and economic fear stalled 2025, not just rates. Sentiment is the real driver.
Interest rates stabilized, improving affordability and enabling predictable mortgage planning for investors.
Rental demand stays strong, vacancies remain low, providing dependable cash flow for investors.
Limited new construction and supportive policies keep family homes competitive and long-term values intact.
Policy shifts and modest GDP growth support sustainable housing demand and strategic investment opportunities.
Saving for a down payment is crucial for loan approval, lower monthly payments, avoiding mortgage insurance, and securing better interest rates. While 20% is traditional, some loans allow as little as 3-5% down. Set a clear savings goal, use a dedicated high-yield account, automate transfers, and reduce expenses. Explore down payment assistance programs and compare lenders to find the best mortgage options. Patience and discipline are key to achieving homeownership.
2025 to soften slightly with sales down 1.1% and prices dipping 1.4%, mainly due to slowdowns in B.C. and Ontario.
Many regions will still see 4–8% price gains in 2025, reflecting strong local demand outside the most expensive provinces.
2026 to rebound sharply: national sales forecast to rise 7.7% and prices 3.2%, reaching about $698K.
B.C. and Ontario expected to lead the comeback in 2026, while most provinces see broad, steady growth in both sales and prices.
British Columbia dominates Canada's top 10 most liveable cities, with six entries. Rankings consider economy, housing costs, and safety. North Vancouver tops the list for outdoor lovers, while Regina and Quispamsis offer the most affordable housing. Ottawa is ideal for public-sector careers and families. Vancouver is desirable for lifestyle but costly. White Rock suits retirees, and affordability varies widely across cities.
Slide 1: Global home improvement market projected to reach $1.49 trillion by 2035, growing 4.7% annually.
Slide 2: Furniture dominates the market, with strong growth potential across residential and commercial projects.
Slide 3: Rising urbanization, industrial expansion, and higher living standards drive strong product demand globally.
Slide 4: Major growth factors include innovative products, population growth, employment, and internal-external migration trends.
Slide 5: High raw material costs and product pricing may limit future market expansion potential.
恭喜發財. Wishing you prosperity.
Lunar New Year, is the most important celebration observed in China, with cultural and historic significance.The New Year celebration is centered around removing the bad and the old, and welcoming the new and the good.
Traditional activities include reunion dinner, cleaning houses, visiting family members, setting off firecrackers and fireworks, and doing some religious practices.
May the New Year bring many good things and rich blessings to you and all those you love!
Ontario’s housing demand softened after December 2025 as population growth stabilised.
Residential construction slowed significantly due to high fees and constrained project financing.
Developers face reduced profitability as sale prices lag behind fixed government-controlled costs.
Unsold new units persist, reflecting mismatched pricing expectations in the Real Estate market.
Below-market housing remains constrained despite available inventory across Ontario.