Dominion Lending

The Bank of Canada is expected to hold at 2.25% next week no surprises there. The bigger question is what comes after. If there’s a move, it’s more likely down than up That matters. Because it signals: Less upward pressure on borrowing costs A more supportive environment for buyers A shift from fear → opportunity This market isn’t collapsing. It’s recalibrating. And those who understand that shift… will move differently.

"Canadian home sales activity little changed in March as the number of newly listed properties fell 0.2% m/m and home prices fell once again." from @DLCCanadaInc Chief Economist @DrSherryCooper: dominionlending.ca/economic-insig…

Right now, many markets are seeing higher inventory, steady pricing, and moderate competition. That balance can shift quickly as more buyers re-enter the market.

A lot of buyers focus only on rates — but mortgage rates don’t move in a straight line. They can rise or stay flat depending on the broader market, which means waiting isn’t always the safer move.

Spring isn’t just about listings. It’s about positioning your future. Run the numbers before you rule yourself out.

Ask yourself: Rent vs own over 5 years? Short-term comfort vs long-term equity? What does your monthly carry cost look like? Math > assumptions.

If you’re in a strengthening market: ✔️ Get pre-approved early ✔️ Tighten conditions strategically ✔️ Watch weekly inventory shifts Speed + preparation win here.

POV: You’re buying in the Prairies, and it’s the spring market. And prices are expected to grow. What do you do?

@DLCCanadaInc Why keep waiting for the right time, it's right when you are ready. Your opportunity as a first-time homebuyer is real, why rent when you can own a condo #RealEstateInvesting #firsthome #dream #InvestorMindset

POV: You own a Toronto condo, and it’s the spring market. But condos are still soft. Days on market are longer. What do you do?

"Housing Activity Remained Weak in February Reflecting a Weather-Related Slowdown" from @DLCCanadaInc Chief Economist @DrSherryCooper: dominionlending.ca/economic-insig…

The Bank of Canada held rates steady on March 18 As Expected - mailchi.mp/sherrycooper/t…

"The Bank of Canada held rates steady on March 18 As Expected" from @DLCCanadaInc Chief Economist @DrSherryCooper: dominionlending.ca/economic-insig…

BoC holds at 2.25%—again. Inflation is near target, but rising energy prices + global uncertainty are keeping the Bank cautious. Rate cuts? Still on pause. And a hike later this year isn’t off the table.

Housing Activity Remained Weak in February Reflecting a Weather-Related Slowdown - mailchi.mp/sherrycooper/h…

Early Feb = slow (thanks, winter 🥶) Late Feb = momentum building 📈 Housing activity is already picking up ahead of spring. More listings + more buyers = more opportunity. If you’re planning a move in 2026, now’s the time to get prepared.

"Canada’s Annual Inflation Rate Slowed to 1.8% in February from 2.3% in January" from @DLCCanadaInc Chief Economist @DrSherryCooper: dominionlending.ca/economic-insig…

Canada’s inflation rate slowed to 1.8% in February, down from 2.3% in January — coming in lower than expected. Shelter costs rose at their slowest pace in 5 years, and grocery price increases also moderated. A positive sign for the broader rate environment. 🇨🇦📉

This isn’t a “wait for perfect timing” year. It’s a “run the numbers properly” year. That’s where brokers matter.

CMHC is forecasting relatively flat prices in 2026. Translation: you might not get peak pricing… But you’re not buying at peak pricing either. Upgrade math > headlines.