The 2026 housing market isn’t just “shifting”—it’s evolving into something we haven’t seen before. From a new “Renter Revolution” to the squeeze on young families, the rules of the game have changed.

At DLC Supreme, we’re cutting through the noise. Here’s the “no-nonsense” breakdown of what’s happening and—more importantly—how you can win.

🛑 1. The First-Time Buyer Squeeze

Young Canadians (25–34) are working harder but, thanks to inflation, effectively earning less than they were years ago. The gap between a paycheck and a down payment is wider than ever.

• The Move: Forget “traditional” paths. We’re helping clients get creative with flexible lending, co-signing strategies, and low-down-payment programs to get them into the game before prices climb further.

🏗️ 2. The Invisible Inventory Trap

Housing starts are sliding toward historic lows. Developers are hitting the brakes on new houses and condos, which means the “supply” problem isn’t going away—it’s getting tighter.

• The Move: When supply is low, speed is everything. A pre-approval isn’t just a piece of paper in 2026; it’s your VIP pass to beat out the competition for the few homes available.

📈 3. The “Renter Nation” Revolution

For the first time ever, developers are building more rentals than homes for sale. Canada is shifting toward a European-style rental model.

• The Move for Investors: This is your “Green Light.” Demand for quality rentals is sky-high. If you’ve been on the fence about becoming a landlord, the market is literally being built for your success right now.

📍 4. Don’t Believe Every Headline

The market in Ontario isn’t the same as the market in the Maritimes. While some big cities have inventory, other regions are seeing a “decade-low” drought of listings.

• The Move: Don’t follow national trends—follow local data. We help you analyze the specific neighborhood you’re eyeing to ensure you aren’t overpaying in a cooled zone or under-offering in a hot one.

🛒 5. The “Grocery Store” Factor

Inflation is a sneaky thief. Even if interest rates stabilize, the soaring cost of food is eating into your mortgage qualifying power.

• The Move: It’s time for a Debt Detox. By restructuring high-interest debt into your mortgage or using a HELOC strategically, we can free up your monthly cash flow so you can breathe easier at the checkout counter.

🎯 The Bottom Line

2026 is the year of the Strategic Buyer. The “wait and see” approach is getting expensive. Whether you’re looking to break into the market or scale your portfolio, you need a plan that accounts for today’s costs.

Ready to make a move?

Let’s look at your numbers and find the opportunity others are missing.

Listings Surge. Prices Dip. Is a Market Shift Underway?

The latest numbers are in—and they’re making waves in the Greater Toronto Area (GTA) housing market. June’s stats reveal a cooling market, but beneath the surface, some interesting shifts are happening.

Let’s break it down 👇

🚨 GTA Real Estate Snapshot – June 2025

📊 Home Sales:
Down 2.4% year-over-year → 6,243 homes sold

🏡 New Listings:
Up 7.7% → 19,839 properties listed

💰 Average Selling Price:
Down 5.4% → $1,101,691

📦 Inventory:
Up 30.8% → 31,603 active listings

📈 But Wait… Is a Market Comeback Brewing?

Here’s what most headlines aren’t telling you:

➡️ June sales jumped 8.1% compared to May—a possible sign of buyers creeping back into the market.

➡️ Earlier in spring, sales were way down—April saw a 23% plunge and May dropped 13%. June’s smaller decline hints at stabilization.

➡️ Buyers are finally flexing their bargaining muscles. With more listings and less competition, many are scoring deals below asking.

💬 “More inventory means more choice and better negotiation power for buyers,” says TRREB President Elechia Barry-Sproule.

⚠️ Storm Clouds Still Linger

Despite some positive signs, the market isn’t out of the woods just yet.

🌐 Trade tensions between Canada & the U.S. are shaking confidence.

📉 Many agents describe this as the toughest market they’ve ever seen.

🏦 Interest rates remain a key wildcard. TRREB’s Chief Market Analyst says that two more Bank of Canada rate cuts—plus a solid trade deal—could help reignite the market.

🎯 What Does This Mean for YOU?

Here’s the real talk:

🏡 Buyers:

✔️ More homes to choose from
✔️ Greater negotiation power
✔️ Prices softening slightly

If you’ve been waiting on the sidelines—this might be your moment.

🏠 Sellers:

✔️ Competition is heating up
✔️ Be ready for longer days on market and sharper pricing strategies
✔️ Expect buyers to ask for discounts

🔮 What Happens Next?

🚨 The next big moment to watch: July 30, when the Bank of Canada announces its next rate decision.

That move could shape mortgage rates—and the entire housing market—for the rest of 2025.

✅ Bottom Line:

The GTA market is shifting.
Sales are still slower than last year, but more listings, more active buyers, and softer prices hint at a changing tide.

📊 Whether this becomes a full-on rebound depends on:

• Mortgage rates

• Trade deals

• Consumer confidence

Stay tuned—this summer could get interesting.

Here’s a twist you might not expect in today’s market: younger Canadians are actually paying down their mortgage debt — while older homeowners are taking on more.

According to new data from Statistics Canada, homeowners under 35 reduced their mortgage balances by nearly 5% year-over-year in Q4 of 2024. Surprised? You’re not alone.

🧑‍💼 Why Are Young Homeowners Saying Goodbye to Debt?

Several factors are behind this trend:

• Rising housing costs have forced some young buyers out of the market.

• Others are taking advantage of the low-interest mortgages they locked in during 2020–2022 and aggressively paying them down.

• Many are also moving into more affordable homes — or even moving back in with family.

• And let’s not ignore the “Bank of Mom and Dad” — financial help from family is helping some reduce debt faster.

👵 Meanwhile… Older Canadians Are Borrowing Like It’s 2019

On the flip side, Canadians aged 55 and up are increasing their mortgage debt — with those 65+ seeing an 8.3% rise. Why?

Older homeowners are tapping into their home equity to:

• Buy investment properties

• Help adult children with down payments

• Or just unlock cash for other financial goals

With home equity gains over the years, many feel comfortable borrowing now — especially with interest rates projected to decline.

💡 What’s Going on With Interest Rates?

After a series of aggressive hikes, the Bank of Canada started easing rates again in late 2024. By the end of the year, the policy rate had dropped from 5.00% to 3.25% — a welcome relief for anyone managing debt.

As a result:

• Interest payments still rose, but at a much slower pace than before.

• Debt-to-income ratios improved — especially for younger households.

💰 The Wealth Gap Is Holding Steady — But Income Inequality Isn’t

While both lower- and higher-income households saw their net worth increase, the top 20% saw the biggest gains, mostly thanks to financial market growth. The good news? The wealth gap didn’t widen in 2024.

But the income gap did continue to grow — just a bit more slowly. Disposable income rose 5.9% for the wealthiest households, compared to 3.6% for the lowest earners.

What Does This Mean for You?

Whether you’re a first-time buyer, a downsizer, or somewhere in between — this data shows that your mortgage strategy matters.

✅ Younger buyers: Take advantage of lower debt levels and build a smart plan for future rate changes.
✅ Older homeowners: If you’re tapping into equity, make sure it’s working for you — not against you.

Need help reviewing your mortgage or planning your next move? Let’s talk — I’m here to help you make sense of it all.

Over the past two weeks, bond yields have dropped more than 30 basis points (0.30%). Historically, this would lead to lower fixed mortgage rates since bond yields significantly influence their pricing. Yet, many lenders, including three of Canada’s Big 5 banks, have done the opposite—raising their fixed mortgage rates.

What’s Happening with Fixed Mortgage Rates?
CIBC, RBC, and TD Bank recently increased their 3-, 4-, and 5-year fixed rates by 15-35 basis points, with RBC also raising its 5-year variable rates by 10 basis points. These changes reflect a broader trend among lenders across the country, though some have reduced rates slightly in select products.

If Bond Yields Are Down, Why Are Rates Going Up?
The relationship between bond yields and mortgage rates is not always straightforward. Rate adjustments depend on multiple factors, including:

• Market conditions
• Economic outlook
• Domestic and global events
• Lenders’ profitability strategies

Dave Larock, a mortgage broker and rate expert, describes the current rate hikes as “counter-intuitive.” He attributes them to the recent increase in bond yields from October to late November. If yields stay low or drop further, we might see rates decrease again, but Larock cautions against certainty.

Rate expert Ryan Sims suggests the banks’ slow response to bond yield changes could reflect their strategic focus. With more borrowers opting for variable-rate mortgages, lenders may need to offer more competitive fixed-rate options to maintain balance in their portfolios.

The Big Banks’ Approach
Seasonality may also be at play. Ron Butler of Butler Mortgage notes that December often marks the end of aggressive mortgage marketing campaigns, leading to rate increases. This could signal a return to more rational pricing as the big banks prioritize long-term sustainability over short-term competitiveness.

Takeaway

While bond yields influence fixed mortgage rates, they are only one piece of the puzzle. Market strategy, seasonality, and broader economic factors all play a role. For borrowers, understanding these dynamics is crucial to making informed decisions.

As millions of Canadian homeowners face mortgage renewals in the near future, many are feeling the pressure of higher payments due to persistently high interest rates.

Advice for Homeowners Facing Mortgage Renewals According to the Canada Mortgage and Housing Corporation (CMHC), around 2.2 million mortgages are set to renew in 2024, representing over 45% of all mortgages in Canada. While those with variable-rate mortgages have already felt the impact of rising rates, fixed-rate mortgage holders will soon experience a significant increase in their payments. This has caused considerable anxiety among homeowners, with 76% of those facing renewal in the next year expressing concern, a 10% rise from last year, according to Mortgage Professionals Canada.

Katy Mackenzie, a mortgage expert with TMG The Mortgage Group, notes that those who locked in historically low rates are now confronting much higher ones. Unfortunately, no one is likely to avoid the effects of this shift.

If the prospect of higher payments feels overwhelming, there are several strategies you can use to ease the financial strain:

1. Start Planning Early David van Noppen, a mortgage agent and owner of More Than Enough Financial, emphasizes the importance of early preparation. Beginning the renewal process well in advance can provide more options, such as gradually increasing your payments a few months before renewal. This can help you adjust to the higher payments more smoothly.

Mackenzie advises reaching out to your lender as soon as possible if you anticipate difficulty with the higher payments. Starting the conversation early allows you to negotiate a payment plan that works for both you and the lender, reducing financial stress.

2. Communicate with Your Lender If you’re struggling to manage your payments or foresee difficulties ahead, it’s essential to contact your lender promptly. Both Mackenzie and van Noppen stress that lenders are more understanding when you proactively address potential payment issues. Depending on your situation, lenders might offer options like payment deferral, loan restructuring, or re-amortization.

3. Consider a Mortgage Broker With rising interest rates making mortgages more expensive, van Noppen has observed that more homeowners are shopping around for the best deals. While some attempt to find deals on their own, the expertise of a mortgage broker can be invaluable. Over a third of Canadians now use a mortgage broker, with the percentage even higher among first-time buyers and recent purchasers. A broker can help you navigate the complexities of the mortgage market and secure the best deal for your situation.

4. Explore Mortgage Relief Options If you find yourself at risk of default, it’s crucial to know the mortgage relief options available to you. Under the Canadian Mortgage Charter, you may be eligible for measures such as:

• Prepaying and re-borrowing: If you’ve made extra payments, you may be able to borrow back the amount you prepaid.
• Skipping a payment: Some financial institutions allow you to skip a certain number of payments each year.
• Credit insurance claims: If you lose your job, become critically ill, or are disabled, you may qualify for a credit insurance claim that covers some or all of your mortgage payments.
• Mortgage payment deferral: This option allows you to pause your payments for a set period, though you’ll need to repay the deferred amount later.

5. Adjust Your Budget If you’re struggling to cover your higher mortgage payments, start by analyzing your cash flow to identify areas where you can cut expenses. Van Noppen suggests cutting out unnecessary luxuries like extra subscriptions or dining out. If you still can’t make ends meet, you may need to consider generating additional income or making more significant lifestyle changes.

6. Consider Selling or Downsizing If you can’t find enough money to cover your mortgage payments after cutting expenses, it may be time to consider selling your home and downsizing to a more affordable property. This could involve moving to a smaller home or relocating to a less expensive area.

7. Use Your Home Equity If you’ve paid off part or all of your mortgage, tapping into your home equity can provide the cash you need. Options include:

• Cash-out refinancing: This involves replacing your current mortgage with a larger one, with the difference paid to you in cash.
• Home equity line of credit (HELOC): A HELOC allows you to borrow against your home equity, offering flexibility in managing your finances. However, van Noppen cautions that this option should be used carefully to avoid accumulating unmanageable debt.

8. Seek Financial Counseling If you’re struggling with higher mortgage rates and financial stress, consider seeking financial counseling. A financial counselor can help you manage your money more effectively and create a plan to stay on track. Van Noppen also highlights the value of having someone to hold you accountable, which can increase your financial awareness and help you make informed decisions.

Ignoring financial problems won’t make them go away. Taking proactive steps now can help you navigate the challenges of mortgage renewal with greater confidence.