December is here, and as we close out 2025, Canada’s real estate market continues to shift in important ways. Whether you’re buying, selling, refinancing, or planning ahead for 2026, understanding today’s market can help you make smarter financial decisions.
Here’s what you need to know and how Cashin Mortgages can help you take advantage of the opportunities ahead.
National Home Prices Continue to Rise
Home prices across Canada posted another gain in October, marking a three-month upward trend. That said, the market isn’t moving the same way everywhere. Some regions are cooling, while others are heating up again.
What this means for you:
Real estate conditions vary widely by location
Decisions should be based on local market trends, not national headlines
At Cashin Mortgages, we help you understand what’s happening in your market so you can buy or sell with confidence.
Canadians Are Moving for Affordability
Affordability remains a top concern for many Canadians. As a result, more people are leaving Ontario in search of lower-cost housing. Alberta and the Atlantic provinces continue to see strong population growth.
How Cashin Mortgages can help:
Financing solutions tailored to more affordable regions
Flexible mortgage options for relocations, first-time buyers, and investors
If you’re thinking about moving or investing outside your current market, we can help structure financing that fits your plans.
Mortgage Delinquencies Remain Lower Than Expected
While higher interest rates have caused some financial pressure, mortgage delinquencies remain below historical averages in most provinces.
Why this matters:
Borrowers are staying financially resilient
Many homeowners are adapting well to today’s lending environment
If you need extra flexibility, Cashin Mortgages offers access to alternative and private lending solutions designed to help you stay on track.
Are We Close to the Bottom for Interest Rates?
Since early 2024, the Bank of Canada has delivered 2.75% in cumulative rate cuts. Markets now expect the Bank to remain on hold through most of 2026, with the next move more likely to be a future rate increase, not another cut.
What this means for you:
- We’re likely near the bottom of the rate cycle
- Borrowing conditions are relatively stable
This creates a great window to lock in a rate, refinance, or explore new borrowing opportunities.
What to Expect for Home Prices in 2026
Even though national home prices remain about 3% below last year, Canadians are feeling optimistic. Most expect prices to rise over the next 12 months.
What to keep in mind:
- Positive sentiment could drive early-2026 market activity
- Acting sooner may help you get ahead of future price increases
Cashin Mortgages can help you plan ahead with customized mortgage strategies built around your long-term goals.
Bank of Canada & Planning Your Next Move
As of December 10, 2025, the Bank of Canada has kept: Policy rate: 2.25% Bank Rate: 2.50% Deposit rate: 2.20% This period of stability provides predictability, something many borrowers have been waiting for.
Why now is a good time to plan:
- Stable borrowing costs support better decision-making
- Ideal timing for refinancing, accessing home equity, or planning a purchase
Whether you’re buying, selling, or refinancing, understanding today’s market gives you a major advantage. With the right guidance, even an unpredictable market becomes manageable.
How Cashin Mortgages Can Help
At Cashin Mortgages, we offer: Personalized mortgage advice Access to competitive rates and private lending options Flexible solutions for all borrower situations Our goal is to help you move forward with confidence, today and into 2026.
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