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Real Estate features Niagara Market Update to December 2025 The following chart displays the MLS number of sales for 12 months to December 31, 2025 vs. 12 months prior. The HPI prices uncover the trend year-over-year. Yellow denotes a loss in sales and prices.  
Real Estate features Strategy Over Speed — How 2026 Rewards Thoughtful Moves The defining feature of today’s market is not fear — it’s discernment. Buyers take time. Sellers need clarity. Fast decisions are no longer rewarded the way they once were. This environment favours those who understand timing, value, and positioning. It penalizes rushed decisions and emotional pricing. 2026 is shaping up to be a year where […]
Real Estate features Why Inventory Changes Everything Increased inventory gives buyers options and sellers competition. This shift changes how homes are priced, marketed, and negotiated. Well-positioned properties still sell. Overpriced or poorly prepared homes linger. This isn’t punishment — it’s feedback. Understanding inventory dynamics allows homeowners to set expectations and buyers to act strategically. Both sides benefit from information rather than assumptions. […]
Real Estate features Fort Erie Market Snapshot — What the Numbers Are Really Saying Market data often feels overwhelming, but trends become clearer when viewed calmly. In Fort Erie, sales volume through December 2025 remained stable year-over-year, while prices adjusted modestly. This tells an important story. The market isn’t collapsing — it’s recalibrating. Buyers are selective. Sellers must be realistic. Inventory levels matter more than speed. Fort Erie continues […]
Real Estate features Understanding Timing: What Five-Year Appreciation Reveals for Today’s Buyers In our weekly office meeting today, Eugene, our office manager, shared an important insight worth passing along. We reviewed homeowners who purchased at the peak of the market when interest rates were still low. We then amortized those purchases and examined the five-year appreciation on an average-priced home. The appreciation was significant. It served as […]
Real Estate features Carbon Monoxide Rules — What Ontario Homeowners Need to Know in 2026 As of January 1, 2026, Ontario has expanded carbon monoxide alarm requirements under the Fire Code. These changes apply to homeowners, landlords, tenants, and condo owners. CO alarms are now required on every storey of a home, not just near bedrooms, if fuel-burning equipment, fireplaces, or attached garages are present. The goal is earlier detection […]
Real Estate features From Farmhouse to Bungalow: A Busy Fort Erie Weekend Good morning! I had a busy weekend –  I hosted two open houses this weekend — one at 5930 Michener Road, which was busy from start to finish. People are always curious about this listing; it’s a gorgeous century farmhouse and definitely draws attention. On Sunday, I also hosted an open house at one of […]
Real Estate features How Long Do People Actually Stay in Their Homes? Many homeowners worry they are “behind” if they haven’t moved within five years. In reality, Ontario averages tell a different story. Outside of Toronto, homeowners typically stay between 8 and 12.5 years before selling. This longer timeline reflects affordability pressures, borrowing costs, and inventory levels. It also reinforces the idea that real estate is a […]
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Real Estate features Selling Too Soon — The Hidden Cost of Short-Term Decisions In a depreciating or flat market, the cost of selling too soon becomes more visible. Buyers often assume equity equals profit, but transaction costs, mortgage insurance, and higher interest rates can quickly erase gains. The Niagara example of a 2022 purchase followed by a 2025 sale highlights this risk. Despite making mortgage payments for three […]
Real Estate features The 5-Year Rule — Why Time Matters More Than Timing Financial professionals often reference the “5-year rule” when discussing real estate, and for good reason. In Niagara, history shows that homeowners who remain in their property for at least five years tend to recover transaction costs and build meaningful equity. Equity grows in two ways: mortgage principal reduction and market appreciation. Even during periods of […]
Real Estate features Mortgage Rates in Context — What Matters More Than the Number Mortgage rates often dominate real estate conversations, especially at the start of a new year. Buyers fixate on rate drops. Sellers worry higher rates will stop activity altogether. But in reality, rates are only one part of the decision-making framework. As we enter 2026, borrowing costs in Canada have stabilized compared to the volatility of […]
Real Estate features Choosing the Right Condo Type for Your Lifestyle Ontario offers several condo ownership structures, and understanding their differences helps buyers choose what suits them best. The Condo Reference Guide breaks these into four main categories: Standard, Phased, Vacant Land, and POTL. Standard condos offer shared amenities and predictable maintenance costs. Vacant land condos appeal to those wanting independence with some shared services. POTL […]
Real Estate features What the Latest CMHC Data Means for Niagara Sellers Months of inventory across Niagara have climbed, as indicated on page 16 of the CMHC Symposium report. Semi-detached dwellings now show 10.6 months of inventory, while townhomes and single-detached homes are at 6.8 and 6.9 months respectively. For sellers, this means longer market times and greater need for strategic positioning. Benchmark prices (page 15) continue to decline year-over-year but remain above pre-pandemic […]
Real Estate features Big Change in Canada’s Federal Budget 🇨🇦 (Good News for U.S. Property Owners) Just a quick update from this week’s Federal Budget here in Canada: The government has officially removed the 1% Underused Housing Tax starting in 2025 and onward. This tax previously applied to many non-resident owners — including Americans with property in Canada. If you or someone you know owns a home here, this is helpful news and removes […]
Real Estate features Bill 60: What Investors Should Pay Attention To Ontario’s Bill 60, the Fighting Delays, Building Faster Act (2025), introduces several changes to landlord-tenant processes. These include: • Unpaid rent notices shortened to 7 days (from 15) • Personal-use evictions now require 120 days’ notice, with compensation no longer mandatory • Appeal windows reduced to 15 days • Adjustments to fixed-term lease renewals For investors, these changes mean more predictable […]
Real Estate features CMHC Data: Niagara Rental Market Shifting The CMHC Symposium charts show an interesting shift in Niagara’s rental landscape. Page 7 indicates that advertised rents in St. Catharines–Niagara fell by 4.9% year-over-year, reflecting cooling rental demand. One major contributor is increased supply. Page 8 shows 16 purpose-built rental units per 10,000 population currently under construction in the region—significantly more than prior years. At the same […]
Real Estate features What Buyers Should Know About POTL Properties POTL (Parcel of Tied Land) properties blend freehold ownership with shared access to common elements such as private roads or shared utilities. According to the Condo Reference Guide, POTL properties can be identified by terms like “CECC,” “undivided interest in common elements,” or “POTL.” Although owners hold the freehold land, they also share responsibility for the operating costs […]
Real Estate features Understanding Condo Types in Ontario: A Quick Guide Condo terminology can be confusing for buyers and even agents. The Century 21 Condo, POTL & Vacant Land Condo Reference Guide provides clear distinctions. Standard Condominiums: These are the most common and include individual units plus common elements such as hallways and amenities. They are identified by legal descriptions containing “UNIT,” “LEVEL,” and the condo plan number. […]
Real Estate features Niagara’s Job Market and Housing Outlook According to the CMHC Symposium data, the job market in St. Catharines–Niagara remains soft. On page 12, October 2025 unemployment sits at 7.2%, with declines in both labour force participation and employment levels since February 2024. This labour softness affects the real estate market in two ways: Slower household formation, as buyers delay entering the market. More cautious investor […]
Real Estate features A unique advantage for sellers A lot of sellers hit this point in the year and feel the tug to take their home off the market. The holidays don’t exactly pair well with constant tidying and disappearing for every showing. But here’s the advantage sellers have during the holiday slowdown… A lot of people will take their home off the […]

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