With more listings, better prices, and stabilized interest rates, today’s real estate market in Burlington, Stoney Creek, Hamilton, and Niagara presents a rare opportunity for buyers and long-term planners to act with confidence. Whether you’re upsizing or planning for your children’s future, this could be the perfect time to move. While home sales have cooled, the rental market is red hot, driven by qualified tenants willing to pay top dollar. This mix of softer prices and strong rental demand creates an ideal window to secure long-term investments with healthy cash flow.
Timing Favors Move-Up Buyers ~ Most sales today are happening in the mid-price range, while higher-end homes are taking longer to sell. For those moving up from a starter home, this creates a timely advantage, less competition and more room to negotiate on that dream home.
Interest Rates Have Levelled Out ~ With the Bank of Canada’s policy rate holding at 2.75% and 5-year fixed mortgage rates around 3.8%, buyers are finally seeing some stability. This predictability is key for families managing budgets or planning ahead. Even better, expected rate cuts later this year could boost equity growth as borrowing conditions improve.
Real Estate: A Savings Account That Pays You Back ~ Unlike other investments, real estate allows you to access built-up equity through refinancing, usually every 3–5 years. This means you can unlock tax-free funds while your asset continues to grow in value.
Smart Moves for the Next Generation ~ Many of our clients are using today’s market to invest in their children’s future, purchasing rental properties for later use or upsizing into multigenerational homes that support both current and future needs. With softer prices and more inventory, these options weren’t possible during peak years.