Buying a home in this market.
Real estate assets can provide a lot of stability. With the market cooled down, now is the perfect opportunity for the strategic buyer who never liked the crazy bidding wars.
Why rent, when you can buy?
Many clients tend to put off buying for the future, but why? Renting is becoming much more expensive and less secure. These are the average rent prices condos in the GTA are seeing as of September 2025:
Studio - $2,100
1 bedroom - $2,500
1+1 - $2,800
2 bedroom - $3,500
As a renter, you’re at the mercy of volatile market prices, landlords wanting to move back in to your home, and the little flexibility to make household improvements without benefiting someone else.
Purchasing 2 bedroom:
$750K w/ 10% downpayment ($75K)
3.99% amortized over 30 years = $3,325 x 12 = $39,900 (without property tax and maintenance fees)
Renting 2 bedroom:
$3,500 x 12 = $42,000
Yes, the cost of buying is a factor (land transfer, downpayment, lawyer fees etc.), but owning real estate provides much more stability than the average renter:
■ You’re buying an asset that you can live in
■ You may use your home to generate income (secondary suites, short term rentals of a room or section of the house, renting out the entire property)
■ You have options to refinance and pull out cash at a relatively low interest rate
■ It’s much easier to leverage to a bigger home
■ Smart household improvements will raise property value
Navigating the fall 2025 market
You can’t time rock bottom, but I guarantee that your real estate purchase will increase in value the longer you have held the asset.
Interest rates keep creeping down, and not only has it changed affordability and what a buyer would pay compared to rent, but it makes a lot of buyers hesitant, waiting to see if the prices will go down even further.
Smart buyers will take advantage of this lull, because just as prices fall, they eventually creep back up again.
Buying a home requires a bit of planning - down payment, paying off loans, improving credit score, completing your probation period if you’ve just started a new job. I am here to teach you about the market, realistically guide you through what is and isn’t possible, and show you many home options until you find the perfect one.
Over the past few years, I have beed dedicated to help a number of clients finally land their dream homes, and even better now thanks to the flexibility of the market. Some of these buyers were fearful of never being able to purchase due to crazy bidding wars that the market has seen for so many years.
