Mortgage delinquencies in Canada are making headlines, with reports saying they’re “up 30%.” But what does that really mean?

Defaults have risen, but that’s still below Canada’s historical “normal” range. Even during the 1980s peak, it wasn't that bad. By comparison, the U.S. sits much higher.

The truth? The rise looks dramatic in percentages, but the actual risk level is still very low. Context matters more than the headline.

Stay informed, not alarmed.

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Imagine you’re playing Monopoly, and one player already owns most of the houses. Every time someone else lands, they have to pay more and more rent. Even if you save your money and play smart, it’s really hard to catch up when someone else already owns everything.

That’s what’s happening in real life too: homes and apartments are being bought up by people who already have lots of money. Regular people are working hard, but the game feels stacked against them.

Is this just a Toronto thing? Or have other major cities been able to crack the code?

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Condos may have dropped more percentage-wise, but detached and semi-detached homes have fallen much more in real dollars. That means if you’re upsizing, the price gap has narrowed, and this less-than-stellar market might actually work in your favour.

So, let's talk about why now could be the smartest time to trade up, and how to use market conditions to your advantage. If you’ve outgrown your space, this market shift could be working in your favour.

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Feel like you’ll be renting forever? That’s honestly okay. Owning real estate isn’t the only path to stability. But if you’re not buying, you’ll need a solid plan — because the system is still built around homeowners. The truth is, renting can offer flexibility — but it doesn’t build equity by default. And if you’re not intentional, you might wake up 10 or 20 years from now priced out of more than just housing.

You don’t need to buy a home to build wealth. But you do need to be proactive, strategic, and prepared.

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A new national survey from Royal LePage shows that 31% of Canadian renters have no plans to ever buy a home—a statistic that challenges long-held assumptions about homeownership in this country.

We’ll look at what’s driving this shift: affordability barriers, changing lifestyles, and why many renters feel completely priced out. More importantly, we’ll explore what this means for Toronto’s housing market — from long-term rental demand to how investors and first-time buyers should be thinking about the next cycle.

If you’re navigating affordability challenges or trying to understand where demand is headed, this one’s worth watching.

Sources: Royal LePage 2025 Canadian Renters Report, Financial Post (June 2025)

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Renting is the norm in cities like New York, Berlin, and Toronto — but staying a renter forever could mean missing your window to build real wealth. Let’s talk about how smart buyers are breaking in, even with high prices and limited savings.

Some are co-owning multi-units with friends or family. Others are turning basements into income suites or living in laneway homes behind their parents’ place. Many are starting small — with a condo, a less central location, or even a duplex outside the core. The first home doesn’t have to be forever. It just has to get you started.

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The Toronto condo market is shifting fast—and not in a good way for small landlords. With sky-high interest rates, poor rental yields, and construction costs that don’t pencil out, the old condo ownership model is breaking down.

Condos were once a slam-dunk investment, but now it seems like purpose-built rentals are taking over. So let’s explore what this means for real estate investors, end users, and future buyers.

Whether you’re holding, selling, or just watching from the sidelines, let’s talk about what’s coming next.

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If you own real estate in Toronto — or anywhere in Canada — you’ve probably had it with all the negative headlines. Falling condo prices, sluggish sales, rising interest rates… it’s all you ever hear.

But here’s the one thing no one’s saying: there’s still a positive case to be made for property owners — if you understand the bigger picture.

In this video, I'll talk about:

Whether you’re a homeowner, investor, or someone stuck with a pre-construction condo deal — this video will help you make sense of the chaos and stay grounded.

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There’s no sugar-coating it—the Toronto market’s been rough.

April 2025 numbers from TRREB show sales down 23.3% year-over-year and the average price dipping 4.1%. That’s a tough headline. But here’s the part people are missing: behind the negative press, there’s a lot of good news—if you know where to look.

Schedule a 15-minute appointment to chat with me here: https://www.broadviewavenue.ca/appoin... Download our guides here: How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family... The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-... ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Subscribe now to keep updated for more information. If you want to chat with us, do the following: 1. Send an email at [email protected]; or 2. Send a direct message on my Instagram account below; or 3. Book an appointment for a 15-minute video chat using the link on our website. If you’re not ready to reach out and just want to follow for more, find us online: YouTube: https://www.youtube.com/kennethyimhom... Instagram: / kennethyimhomes TikTok: / kennethyimhomes LinkedIn: / kennethyimhomes Facebook: / broadviewavenue Web: http://www.broadviewavenue.ca

Remember how Monopoly ends—with one person owning everything? That’s exactly what’s happening in our economy and real estate market today. If you don’t own assets, you’re getting left behind. In this episode of Broadview Table Talks, I break down: • Why housing affordability keeps getting worse • The true effects of inflation and money printing • How asset owners keep winning (and what you can do about it) • Why young people and first-time buyers are being shut out • What new policies like the proposed Canadian 1031 exchange and prefab housing could mean for our future Whether you’re a frustrated renter, a cautious investor, or just trying to make sense of Toronto’s housing crisis—this video’s for you. Let’s talk solutions. Don’t just shake your fist—take action. Schedule a 15-minute appointment to chat with me here: https://www.broadviewavenue.ca/appoin... Download our guides here: How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family... The Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-... ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Subscribe now to keep updated for more information. If you want to chat with us, do the following: 1. Send an email at [email protected]; or 2. Send a direct message on my Instagram account below; or 3. Book an appointment for a 15-minute video chat using the link on our website. If you’re not ready to reach out and just want to follow for more, find us online: YouTube: https://www.youtube.com/kennethyimhom... Instagram: / kennethyimhomes TikTok: / kennethyimhomes LinkedIn: / kennethyimhomes Facebook: / broadviewavenue Web: http://www.broadviewavenue.ca