The Canadian Real Estate Investor

What the "Great Wealth Transfer" actually looks like in Canada, and why it's really a Great Space Transfer. With $8.4 trillion in residential real estate (nearly 4x GDP) and boomers owning 41% of all Canadian homes (most mortgage-free), the inheritance story here isn't about stock portfolios, it's about houses, postal codes, and market access. They dig into the regional lottery (inheriting in Vanc...

A full breakdown of CBRE's 2026 Canada Real Estate Market Outlook, all 42 pages, every sector, every major market. With GDP slowing, the Bank of Canada holding at 2.25%, and CUSMA under review in July, the episode unpacks what uncertainty means for investors and where the opportunities are. Office is the surprise story net absorption at double the 20-year average, no new supply expected until 2030...

Canada's housing crisis isn't over,  it just changed shape. Nick and Dan break down two major CMHC reports and find a market that isn't crashing, but isn't moving either. Construction is stalling, developers are pulling back, and the projects that should be getting built in 2026 simply aren't penciling. The result: a supply gap that keeps compounding in the background while everyone debates p...

February 2026 home sales were 8.1% below last year — the weakest comparable data since the 2009 financial crisis — despite improving affordability, as tariff fears, job losses, and rising delinquencies keep buyers on the sidelines Canada lost 83,900 jobs in February and mortgage arrears are climbing, with Toronto and Vancouver facing the highest projected delinquency risk as softer pri...

The federal GST rebate for first-time buyers is now live — and most people are missing the real story. Yes, qualifying buyers can save up to $50,000 federally (and up to $130,000 combined with Ontario's provincial rebate) on eligible new homes. But Ottawa's own numbers imply the average benefit is closer to $22,400 per home. So what's actually going on? Nick and Dan break down the mechanics...

Nick is joined by Josh & Ehren from BLD to go over the myths and truths of commercial financing.  CMHC demystified — the real qualification requirements, net worth, liquidity and experience you actually need to build multifamily in Canada (and why Instagram is lying to you) CMHC on the way in vs. out — the two main construction financing paths explained, when to use each, and...

We are joined by Theorem Development founders & owners Faizan & Suraj who break down their business for us.  A real multiplex deal, broken down: Suraj walks through a recent East Vancouver fourplex project from start to finish — $2M land acquisition, $2M construction, $350K in soft costs, and $6M in total sales revenue, delivering roughly 40% annualized return on invested capita...

In this interview with Aboriginal law expert Tom Isaac we talk all about BC court rulings on Aboriginal title (e.g., Cowichan, Musqueam) that could undermine indefeasible land title, threaten private property and liquidity, and have broad economic and reconciliation consequences across Canada. Court language and agreements may mean Aboriginal title displaces Crown/fee-simple protections, creating...

Rates, Inflation, Jobs, Missing Middle? What the heck is going to happen this year and beyond?! Tune into hear Nick & Dan's Real Estate predictions for this year.  Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management VANCOUVER MULTIPLEX EVENT TICKETS...

We are joined by Adam & Matt from the Vancouver Real Estate Podcast to have a catch up discussion and settle the argument as to which market has been worse. Toronto or Vancouver. Tune in to find out.  Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Manageme...

Canadian borrowers and investors are shifting from variable and long fixed terms toward 3-year fixed mortgages in 2026, seeking short-term certainty without locking into long rates, and how that decision ties into portfolio planning, refinancing risk, and programs like CMHC MLI Select. Fixed (3- or 5-year) = predictable payments, easier modeling for equity/refinance and portfolio scaling. Variable...

We cover a whole bunch of breaking news in this episode.  Construction productivity is collapsing (−37% since 2001) amid a massive retiring workforce and small‑firm dominance, constraining new supply and raising costs. Affordability gains are concentrated in condos — not broad-based — while taxes, development charges and stalled starts (RESCON’s HST‑holiday pitch) risk...

The Bank of Canada and Better Dwelling argue Toronto’s condo boom was driven by investor speculation and presale funding, creating Ponzi‑like dynamics where ongoing new-buyer inflows were needed to sustain prices and projects; when demand and returns fell, many projects stalled, inventory surged, and systemic risk materialized. 3 major bullet points: Presale-dependent financing + high invest...

Canada's weak housing market start to 2026, debating whether January's 16.2% year-over-year sales decline signals a deeper slowdown or just winter seasonality.⁠ ⁠​ National weakness across metrics: Sales down 16.2% YoY, new listings up 7.3%, sales-to-new listings ratio fell to 45%, and HPI down 4.9% YoY⁠ ⁠​ Regional divergence: Ontario markets (Hamilton, Oakville) down double digits, while seconda...

In this episode we sit down with a Vancity leader, Ryan Mckinley to unpack multiplex financing and policy across Canada. We explore why most multiplexes in Vancouver are strata-title, promoting homeownership, while Toronto’s market is trending toward rentals. Hear practical financing options for homeowners, investors, and small developers, plus a local case study and market outlook. We discu...

Nick & Dan are joined by Tania Bourassa-Ochoa, Deputy Chief Economist at CMHC, who authored the recent report on the mortgage renewal wave. Over 1.5 million Canadians have already renewed at higher rates, with another million coming. While Toronto arrears have quadrupled, nationally only 0.25% of mortgages are in arrears. 1.5 million households renewed, 1 million more coming — the larges...

In this news episode, Nick & Dan cover major challenges in Ontario's housing market, including regulatory enforcement against brokerages, inconsistent multiplex approvals despite new zoning policies, a new RBC-REALTOR partnership, and a severe collapse in residential construction threatening the provincial economy. RECO Trust Account Scandal: Save Max brokerages had $2.7 million unlawfully tak...

Canada's rental market in Q1 2026, revealing a major shift from growth to stagnation. The main takeaway is that rent growth has essentially stopped nationwide, with some cities experiencing declines. Join us as we go through the Yardi Rental Report  Rent growth has flatlined: National rent growth is only 3.2% year-over-year (in-place rents) and new lease rents are up just 0.7%, with cities li...

Nick & Dan do a comprehensive deep dive on Alberta's real estate market, part of "The Canadian Re Tour" podcast mini-series. We covers Alberta's economic fundamentals, major cities (Calgary and Edmonton), and mid-sized markets, with detailed data on home prices, rents, vacancy rates, and cap rates as of December 2025. Alberta has Canada's highest GDP per capita at ~$96,544, strong wages, and n...

A January 2026 Senate report called housing "Out of Reach." We look at the report and cover the rental market squeeze, development charges, and regulatory delays that are driving up housing costs across Canada Toronto housing fees are staggering: New homes in Toronto carry approximately $200,000 in municipal fees, compared to under $10,000 in cities like Moncton or Charlottetown⁠ ⁠. Approval timel...

BMO economist Robert Kavcic forecasts a "long and slow grind" toward housing affordability in Canada⁠ ⁠. Prices have fallen 17% from their 2022 peak, but remain unaffordable for many⁠ ⁠. Investors have exited the market, calling real estate "dead money" compared to equities⁠ ⁠, and Kavcic predicts prices will continue to decline, especially in the condo and rental segments⁠ ⁠. The current market f...

Trump's proposed ban on corporate landlords buying single-family homes with Canada's MLI Select program, arguing that financial incentives work better than bans for directing institutional capital toward building new housing supply. Policy Contrast: Trump's ban excludes new construction, potentially pushing institutional investors toward building rather than buying existing homes—inadvertent...

In this news episode we discuss how inflation-adjusted home prices have fallen back to 2017 levels, despite appearing stable nominally. Housing starts hit record numbers in 2025 but momentum is fading, with the Bank of Canada holding rates at 2.25%ahead of its January 28th decision. Meanwhile, inflation rose to 2.4% in December, with renters experiencing 4.9% annual rent growth while homeowners sa...

We are joined by Fred Cassano , Partner and National Real Estate Leader at PwC Canada, discussing the state of Canadian real estate markets around the ULI Emerging Trends report. Market in Transition : The real estate market is experiencing mixed sentiments with a sense that it may be hitting bottom. Office Market Recovery : Office leasing is seeing renewed activity, particularly for trophy assets...

Nick & Dan are joined by Journalist & Podcaster Amber Kanwar for a discussion on her career journey in finance, the "In The Money" podcast, real estate investing (strengths, misconceptions, evolution in Canada, current market challenges), the Canadian economy's trajectory, and financial advice for young Canadians entering real estate.  Exchange-Traded Funds (ETFs) | BMO Global As...