14 articles
The U.S. housing market is showing signs of strain as sellers increasingly outnumber buyers. Elevated mortgage rates and rising inventory are leading to localized price corrections, though a widespread crash similar to 2008 remains unlikely. Analysts anticipate a period of price stagnation or modest declines in 2026.
The year 2025 defied market expectations with strong returns in Canadian equities, a surge in gold prices, and a correction in real estate. Investors learned valuable lessons about diversification, the stock market versus the economy, and the importance of sticking to long-term plans.
Rent control policies, intended to ensure affordable housing, may inadvertently lead to vacant units as landlords find it more economically rational to keep properties empty than to rent them at capped rates. This dynamic can result in underutilization of housing stock and market stagnation.
A proposal for a 50-year mortgage, intended to lower monthly payments and boost homeownership, is critically flawed. While seemingly attractive, such loans would likely carry higher interest rates, slow equity accumulation, and exacerbate housing affordability by further inflating prices in a supply-constrained market. Experts warn against repeating historical mistakes, advocating instead for comprehensive supply-side solutions to the nation's housing crisis.
