Elevate Realty Inc., Brokerage

10/28/2026

The Bank of Canada just hiked for the first time since 2023. So what happens to Toronto prices?

Fixed rates went from 4% this summer to 4.6% now. To keep the same payment on a $1 million house, prices would need to drop about 7%. But you don’t have to wait for the whole market. We’re negotiating 10 to 15% off for clients today.

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10/28/2026

First rate hike since 2023. What happens to Toronto real estate now?

Prices may need to drop about 7% to match today’s rates. Or you can negotiate it today.

10/27/2026

Toronto prices are down 25%, rents are down, and rates are turning back up. Is it time to buy or wait?

Here’s what most people miss. When this market turns, rents usually move first and prices follow later. We break down the 4 stages of the Toronto cycle, which one we’re in, and 3 signs to watch so you can spot the turn yourself.

Toronto prices are down 25% and rents are falling too. Here's why rents usually turn first, and 3 signs to watch so you can spot the turn early.

10/27/2026

Thinking of buying outside the GTA to make the numbers work?
One of our clients has built wealth all over Ontario. Her take: it keeps coming back to Toronto triplexes.

10/27/2026

The Bank of Canada decides tomorrow. Here's what Canada's big 5 banks expect.

Every one of them sees rates going up by the end of 2027. They just don't agree on how far: 2.75% for TD, CIBC and BMO, and 3.25% for RBC and Scotiabank.

So whether the first hike comes tomorrow or in December matters less than how high rates go. That's what sets your payment for the next 5 years.

Buying or renewing soon? Run your numbers at higher rates first.

10/26/2026

Picking your agent by lowest commission?
That saved 0.5% could cost you $100,000s if they don't know multiplex numbers.

10/26/2026

Rates might go up again. Does that mean another 2022 drop for Toronto?
In 2022, rates started at 0.25%. Today it’s 2.25%, and prices are already 25% below the peak.

10/24/2026

Waiting for the Toronto slump to end? Stop watching prices.
Watch these 3 instead: rental vacancy, immigration, and condo completions. They move before rents do.

10/24/2026

Do more units should mean more profit? On this house, it didn’t.

We ran the real numbers on a $920K house in Roncesvalles: convert to a triplex or a fourplex? The bigger reno didn’t win on lift. But we still chose it, and the reason is one most investors miss.

https://www.elevatepartners.ca/resources/toronto-multiplex-triplex-vs-fourplex-conversion/

10/23/2026

A Toronto triplex sells to investors and house hackers. A finished 6plex? Almost nobody house hacks a multiplex that size.
Buyer pool shrinks fast, and that makes it much harder to move when you need to.