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Pre-Approval vs. Approval: What Actually Matters

Landing at a Glance • 5-year fixed rates currently range between 3.69% to 4.54% (depending on lender and qualification strength) • Variable rates continue to adjust with the Bank of Canada • Lenders are maintaining current stress-test qualification rules • Approval timelines vary depending on documentation and income type ...

Buy Now or Wait? January 2026 GTA Market Update

January GTA housing data confirms what many buyers are sensing on the ground: there is more choice and more negotiating room — but also more hesitation. According to TRREB’s January 2026 Market Watch: • 3,082 homes sold (↓19.3% year-over-year) • 10,774 new listings entered the market (↓13.3% YoY) • Sales-to-new-listings ...