Drawing on over 20 years in consulting and a master's in business, I keep a close watch on the evolving landscape of the Canadian housing market. Heading into 2026, we're seeing a stable environment, but affordability continues to challenge many—particularly in regions like Greater Vancouver. One-third of mortgage holders will soon be up for renewal, and 67% are understandably uneasy about the possibility of higher rates. It's also notable that nearly half of these homeowners have less than a 15% buffer on their mortgage payments, meaning even a modest increase could cause significant financial strain. Newcomers and recent buyers are feeling this pressure most acutely. Careful, data-driven analysis is more important than ever to navigate these complexities.
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