

AI Just Took Over the Buyer's Side: Here's Where Agents Still Win
AI is doing the buyer's homework before they ever call an agent. Here's why that's good news for the agents who do this job well, plus three moves to make this month.
Paige Kirkdene
15 minutes ago4 min read


How Peace in the Middle East Could Lower Your Mortgage Rate (and What Toronto’s Market Is Really Telling Us)
A ceasefire in the Middle East just pushed oil back to $80 a barrel. Here is what that means for fixed mortgage rates and where the Toronto real estate market actually sits in 2026, with mortgage broker Dion Beg.
Gary McGowan
2 hours ago8 min read


A Buyer's Market With No Buyers: What May's TRREB Numbers Really Tell Us
The Bank of Canada met again this week and did exactly what they've done for the past 19 months. Nothing. The overnight rate is holding at 2.25%, your variable rate mortgage looks the same as it did yesterday, and the most interesting thing about the announcement might be a comment one of our YouTube viewers left under a recent video: "I've never seen a buyer's market with no buyers." That one sentence sums up the Toronto market better than any headline I've read this year. M
Gary McGowan
Jun 105 min read


Canada Is Officially in a Recession. Here's What It Actually Means for the Housing Market
Canada just slipped into a technical recession. If you have been anywhere near the news this week, you have seen the headlines. They are loud. The actual numbers are a lot quieter. I sat down with my favourite mortgage broker, Dion Beg of Kanga Mortgage, to cut through the noise on this week's episode. Here is the breakdown for buyers, sellers, and investors trying to figure out what this all means. A "technical" recession is doing a lot of heavy lifting Every headline uses t
Gary McGowan
Jun 35 min read


Your Appraisal Came in Short. Now What?
If you've bought a new build in the last couple of years, there's a scenario keeping buyers up at night: you signed at one price, the market shifted, and now the appraisal is coming in lower than what you agreed to pay. Suddenly the bank will only lend on the lower number, and you're staring at a gap you have to cover in cash. This week on Realty Chatter, mortgage broker Dion Beg walked me through a real client situation where that exact gap got closed without the buyer scram
Gary McGowan
May 294 min read


Consumer Insolvencies Just Hit a 2009 High. Here's What It Actually Means.
Consumer insolvencies in Canada just hit their highest level since 2009. Power of sale listings across Southern Ontario are up 360% since 2024. And the worst April for home sales since 2003 somehow still showed up as "sales are up year over year" in the headlines. If you only read the headlines, you would be confused. That is exactly why Dion Beg and I sit down every week to pull apart Ben Rabidoux's Edge Realty report and put it in plain English. Here is what stood out this
Gary McGowan
May 205 min read
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