Canada’s housing market is entering a pivotal year. In this episode of Real Estate Diaries, we break down the biggest forces shaping Canadian Real Estate in 2026—from new mortgage rules and taxes to what the latest forecasts mean for buyers, investors, and homeowners.

We unpack the OSFI mortgage rule changes, including how rental properties are now classified as income-producing real estate and why this could make financing tougher and more expensive. We also explore the impact of the new Toronto Luxury Municipal Land Transfer Tax (MLTT) coming April 2026, plus evolving CRA enforcement around short-term rental compliance.

On the market side, we analyze where things may be heading based on current data and projections—including sales momentum, housing supply, and the shifting rental landscape. With rising costs, regulatory changes, and new risks emerging, understanding 2026 could be critical for making smart real estate decisions.

In this episode, we cover:

• The new OSFI mortgage framework and its impact on financing
• Toronto’s new luxury tax and broader tax pressures in 2026
• Rental market shifts, investor challenges, and cash flow realities
• CMHC outlook: sales rebound vs. slowing housing starts
• What buyers, homeowners, and investors should watch this year

Whether you’re buying, investing, or planning your next move, this episode gives you a clear, practical view of where Canadian real estate may be heading in 2026.

Subscribe to Real Estate Diaries for expert insights on the trends shaping Canada’s housing market.

About Our Sponsor

The Real Estate Diaries is proudly sponsored by PropCare – the voice-first property operations platform built in Canada by builders, landlords, and property operators who understand your daily challenges.

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Whether you're a builder drowning in warranty calls, a landlord juggling multiple properties, or a property manager coordinating endless maintenance requests, PropCare handles the chaos so you can focus on what matters most – growing your business and getting your life back.

Their core promise is simple: "Speaks to residents. Speaks to trades. Lets you speak to family."

Ready to end property coordination chaos? Learn more at www.propcare.ca
and discover how Canadian property professionals are scaling their operations without scaling their stress.