The Canadian real estate market shows a clear geographic divide as of April 2025, with key differences between regions, we are also joined by our amazing hosts from across the country for some boots on the ground updates.

• Ontario and B.C. are experiencing price declines , while other provinces like PEI, Quebec and Alberta are seeing price growth.
• Population Shifts: Ontario lost 32,000 people and B.C. lost 10,000 to interprovincial migration in 2024, while Alberta gained 53,000 new residents, significantly impacting housing demand patterns.
• Ontario and B.C. show increasing inventory and softening demand, while Alberta, Quebec, and Atlantic Canada maintain tight inventory levels with sustained demand and competitive conditions.

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An interview with Adi Koparde, President of RealShare. We discuss real estate investing and fundraising in Canada, how to raise capital, and the compliance needed.

• the fundraising environment in Canada vs. the U.S.?
• the different fundraising exemptions in Canada?
• What is the role of an Exempt Market Dealer (EMD)?
• What should an investor look for when choosing a private real estate deal?

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Work with Ryan & Neal at Keystone

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In 2024, reported fraud across all sectors reached $638 million, with total losses since 2021 exceeding $2 billion. Officials estimate this represents only 5-10% of actual fraud occurring.

• Three main types of mortgage fraud are identified: fraud for shelter (everyday people misrepresenting finances to get homes), fraud for profit (industry insiders manipulating the system), and fraud for money laundering (criminals using real estate to clean illicit funds).
• A "Toronto model" of fraud has emerged where people claim fake high-paying jobs in China to secure mortgages, with bank employees sometimes colluding with scam centers to provide false documentation.
• The problem is exacerbated by Canada's housing affordability crisis and strict lending rules, which push some desperate buyers toward fraudulent practices.

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Brian Buffini built North America's largest business coaching firm, his company has trained over 3M professionals in 37 countries through lead-generation systems.

The company currently coaches 10,000+ business people across North America, while Brian travels globally speaking about "living the good life" and helping others reach their potential.

Reach out to Buffini

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A guide to financing options for first-time real estate investors covering both traditional and creative solutions for entering the market.

• House Hacking: Live in part of the property while renting other portions, allowing 5% down payment and using rental income for mortgage payments.
• Traditional Bank Financing: 20-35% down payment required, offering competitive rates for qualified borrowers.
• Alternative Financing: Private mortgages, VTB mortgages, and partnerships available for those who don't qualify with banks.

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Learn about the opportunities and challenges in missing middle housing as we interview experts Chris Spoke & Ben Singer

• Missing middle housing refers to duplexes, triplexes, fourplexes, and townhomes that add density while matching neighborhood character. These haven't been built in decades due to zoning restrictions.
• These properties offer higher returns than single houses, with basement suites increasing value by 30%. Multiple units provide steadier income by reducing vacancy risk.
• Recent zoning changes in Canadian cities now encourage these developments, with Toronto, Halifax, and Vancouver allowing 4-8 units per lot.
• The process and reasons behind the condo method

Get in touch with Chris Spoke & Ben Singer

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The March 2025 CREA statistics reveal a significant downturn in the Canadian housing market, with national home sales dropping 4.8% from February and down 20% since November's peak. The market is experiencing a divergence between regions, with Ontario and BC showing decline while Prairie provinces, Quebec, and Atlantic Canada maintain some price growth.

• Sales and prices are declining nationally, with the average price falling 3.7% to $678,331, marking the sharpest year-over-year decline in recent times
• inventory levels have increased 18.3% year-over-year, with a sales-to-new listings ratio of 45.9% - the lowest since February 2009
• Market sentiment is being heavily influenced by broader economic factors, including trade tensions, tariffs, and election uncertainty, leading to hesitant buyers and cautious sellers

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

Buy & sell real estate with Ai at Valery.ca

Get a mortgage pre-approval with Owl Mortgage

See omnystudio.com/listener for privacy information.