Greenlight Capital Landing Page - Blogs #october market updateGreenlight Capital Landing Page - Blogs #october market updatehttps://www.greenlightcapitalcanada.com/blogs/tag/october-market-updateTue, 14 Apr 2026 17:07:37 -0700http://zoho.com/sites/<![CDATA[     November Market Update]]>https://www.greenlightcapitalcanada.com/blogs/post/november-Market-UpdateNovember is here, offering a fresh look at Canada’s housing market and the economic trends shaping borrowing and homeownership decisions as we move to ]]>

Canada’s Housing and Economic Trends

November is here, offering a fresh look at Canada’s housing market and the economic trends shaping borrowing and homeownership decisions as we move toward the end of 2025.

Supply Set to Shrink 

Building permits for new single-family homes in Ontario and British Columbia have fallen to levels not seen since the 1980s. This sharp reduction in future supply could put upward pressure on home prices in key markets, highlighting opportunities for strategic investments.


What Your Clients Need to Know:

With fewer new homes entering the market, existing housing inventory will become more valuable. Investors should anticipate tighter supply conditions that could lead to higher resale prices and stronger long-term equity growth.

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Alberta Leads in Population Growth

Canada’s population continues to grow, though at a slower pace than in 2023 and 2024. Alberta is leading the way with 2.5% annual growth last quarter, driving strong housing demand and creating potential opportunities for investors in the region.



What Your Clients Need to Know:
Rising population in Alberta means ongoing rental and ownership demand. Investors may find strong opportunities in residential development or income-generating properties as migration trends favor this province





Unemployment on the Rise


The national unemployment rate has surpassed 7% for the first time since the pandemic. Regional differences remain significant, making local market knowledge essential for investors assessing rental demand and housing trends.


What Your Clients Need to Know:
Increased unemployment may impact affordability and rental stability in certain regions. Investors should focus on markets with diverse employment bases and resilient industries to mitigate potential risks.


Consumers Expect High Inflation


 Canadians remain concerned about the cost of living, with most expecting inflation near 4% over the next year well above the Bank of Canada’s 1.3% target. This could affect mortgage affordability and consumer spending, influencing housing markets across the country.


What Your Clients Need to Know:
Inflation expectations suggest interest rate relief may remain gradual. Investors should plan financing strategies carefully, focusing on flexible lending options and strong cash flow properties.



Where Is Rebate Supply Increasing?


Homes listed for sale are up 7% nationally from last September, with the largest increases in Alberta and Ontario. Meanwhile, supply in Manitoba and Saskatchewan continues to decline, highlighting regional variations and opportunities for investors to explore.


What Your Clients Need to Know:
More listings mean greater selection for investors in certain regions, particularly in Alberta and Ontario. Those seeking undervalued opportunities may want to explore these markets before prices adjust upward.


Final Thoughts

Whether you’re buying, selling, refinancing, or investing, Greenlight Capital Canada is here to provide the guidance and financing solutions that fit your needs and your clients.


Greenlight Capital Canada is here to support you with fast, flexible lending solutions and a deep understanding of where the market is headed.


📩 Have a deal or a client looking for financing?
Contact us today to see how we can help.

]]>Thu, 20 Nov 2025 21:25:42 +0000<![CDATA[October Market Update]]>https://www.greenlightcapitalcanada.com/blogs/post/october-market-updateAs we move through October, Canada’s housing market is showing notable shifts in affordability, buyer sentiment, and household wealth. Here’s what you ]]>

As we move through October, Canada’s housing market is showing notable shifts in affordability, buyer sentiment, and household wealth. Here’s what you need to know this month:

House Price Expectations: 

Regional Differences

Consumer expectations for home prices vary across the country. Buyers in Quebec are the most optimistic, anticipating stronger price growth over the next year, followed by Atlantic Canada and the Prairies. Meanwhile, Ontario and British Columbia show more cautious sentiment. Understanding these regional differences can help borrowers plan their next steps and make informed decisions.

Bank of Canada Outlook

Following September’s 0.25% rate cut, markets now expect only one more cut, likely in January 2026. The central bank’s cautious approach balances inflation management with growing concerns about housing affordability, signaling relative stability in borrowing costs for the coming months.






Market Balance in Major Metros


Sales-to-new-listings ratios have tightened in Ontario and B.C., reflecting stronger demand and competitive conditions. Alberta, on the other hand, has seen markets cool slightly, offering a more balanced environment. Borrowers in tighter markets may need faster approvals or flexible lending solutions to secure their goals.


What this means for our clients:

  • Renters will likely see more choice and flexibility in lease terms.

  • Buyers could experience slower price growth in some areas as rental supply eases pressure.

  • Investors may find opportunities in multi-unit housing developments.

Affordability Slowly Improving


Housing affordability remains a challenge, but it is gradually improving. Recent rate cuts have returned affordability to late-2021 levels, and September’s adjustment is expected to provide further relief. First-time buyers and those previously sidelined may now find opportunities to enter the market.


Household Net Worth Hits Record Levels


Canadian household net worth rose 1.5% in Q2, reaching $17.9 trillion nationally. Rising asset values and strong savings are boosting household financial resilience, creating more potential for refinancing, equity takeouts, or HELOCs to fund renovations, investments, or debt consolidation.


What This Means for Borrowers

  • Regional Awareness: Buyers should consider local market sentiment when planning purchases. Quebec and Atlantic Canada may offer stronger near-term growth.

  • Improving Conditions: Gradual affordability gains and potential future rate cuts may provide better opportunities for first-time buyers or those looking to refinance.

  • Leveraging Equity: Record household wealth can support borrowing strategies, giving borrowers more flexibility in financing their next move.


Final Thoughts

Whether you’re buying, selling, refinancing, or investing, Greenlight Capital Canada is here to provide the guidance and financing solutions that fit your needs and your clients.


Greenlight Capital Canada is here to support you with fast, flexible lending solutions and a deep understanding of where the market is headed.


📩 Have a deal or a client looking for financing?
Contact us today to see how we can help.

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