The Mortgage
Renewal Cliff
Q4 2026. Mortgages signed near 2% in 2021 are renewing at about 4.5%. How big the shock is, and whether it floods the market.
What is inside
Three interactive dashboards built on Bank of Canada, CMHC, Equifax and TRREB data: how far rates moved since 2021, what renewal does to a real monthly payment (about $400 to $545 more a month on a typical $600,000 mortgage), and why the stress is concentrated among 2022 and 2023 Toronto buyers rather than turning into a wave of listings.
Read the ReportSix ways to stay informed
Each section answers a different question. Market Updates tells you what just happened, Reports go deep on one big question each quarter, Case Studies work through real decisions, Guides cover the how to, and Resources gives you the calculators.
Resources & Tools
Free calculators and downloads. Check your home equity, plan your buying budget in Excel, and compare current mortgage rates.
Open the ToolsReports
One big question about the GTA market, answered with sourced data and interactive charts. Published every quarter.
Read the LatestMarket Updates
Fresh TRREB numbers every month, plus a short plain language read on what actually moved and what it means for you.
See This MonthGuides
Evergreen how to guides on buying, selling, owning, and living in the GTA, plus news from the team.
Browse GuidesCase Studies
Real client decisions, run with real numbers. Rent vs buy, 5% vs 20% down, closing costs, and funding retirement with your home.
Explore Case StudiesNewsletter Archive
Our monthly newsletter: rate updates, featured listings, local events, and the stories we love from the neighbourhoods we serve.
Read Past Issues