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Prices expected to remain weak or decline in early 2026, especially in high-density segments, before stabilizing toward late-year recovery.
Sales activity gradually rebounds from historically low levels, driven mainly by pent-up demand rather than strong economic expansion.
Housing starts fall to near multi-decade lows, especially condos, limiting future supply but reflecting current weak developer confidence.
Elevated inventory keeps market conditions buyer-friendly, constraining price growth despite improving affordability and lower borrowing expectations.

~7-in-10 Canadians see the market as unfair to first-time buyers, and the starting point is honest expectations around sacrifice, goals, and trade-offs.
Pre-approval matters because minimum down payments rise with price, lenders may ask for more, and monthly affordability depends on income, debts, insurance, closing costs, upkeep.
Savings tools include a first-home savings account with up to $8K yearly and $40K total, plus a tax-free retirement-plan withdrawal option for buyers.
Beyond savings accounts and retirement-plan tools, buyers may qualify for a $1.5K federal credit, new-home tax rebates, and provincial or local assistance.
Stay grounded: use local board and portal data, set a bidding ceiling, focus on must-haves, and lean on trusted Real Estate and mortgage pros.