Some might say the market is frozen over. Snowstorms. Slower January numbers. Headlines pointing to a 20 percent drop in sales year over year. On the surface, it feels cold. But here’s what I know. When things feel frozen, strategy matters most. I sit down with Dion Beg almost every week to unpack what’s really happening in the Toronto market. This month, the numbers told a clear story. Sales are down compared to last January. Average prices dipped below the $1 million mark.

Appraisals are becoming one of the most common and costly surprises for Canadian home buyers. I am seeing it more frequently in conversations with clients and hearing it echoed across the industry. Deals that appear solid on paper are suddenly at risk when the lender’s valuation comes in below the agreed purchase price. That reality is why I recently sat down again with mortgage broker Dion Beg to talk through what is happening in the market and why buyers need to pay close a

The Canadian mortgage landscape is heading into uncharted territory. According to mortgage expert Dion Beg, 2026 will see the largest wave of mortgage renewals in Canadian history , and many homeowners are unprepared for what’s coming. Whether you’re a homeowner, investor, or first-time buyer, here’s what you need to know and how to prepare. Why 2026 Is a Big Deal for Canadian Mortgages Over the last decade, most Canadians have opted for 5-year fixed mortgage terms . That mea

With Mortgage Expert Dion Beg & Gary McGowan As we move into 2026, uncertainty looms over the housing and financial markets in both Canada and the U.S. Will dropping interest rates cause a real estate rebound, or are we headed toward a subprime-style crash? In a recent conversation between mortgage broker Dion Beg  and real estate professional Gary McGowan , the two unpack the numbers, the trends, and what buyers and sellers need to know right now. 🔥 Key Takeaways from the C

The Canadian real estate market is going through a serious transition, and if you’ve been paying attention lately, you might’ve seen some wild headlines. Builders offering free gold bars with home purchases? Discussions about 50-year mortgages coming to Canada? Yes, it’s all happening, and I’m here to break it down. I’m Gary McGowan, and as a Toronto-based real estate investor, agent, and educator, I’ve seen plenty of market shifts over the years. But this one feels different

This week brought major developments in Canada’s real estate and economic landscape. I sat down with mortgage broker Dion Beg to discuss the latest Bank of Canada rate cut, a new housing initiative in Toronto, and the political tension caused by Doug Ford’s tariff-focused ad campaign in the U.S. These changes could impact your mortgage, your investment strategy, and your long-term financial planning. Let’s break down what you need to know. Canada Cuts Interest Rates Again The