GTA Split Signal: Buyers, Renewers, and the Math

Your Mortgage Minute | Onlendhub · Nov 4, 2026 · 5m · transcript

GTA October 2026 resale data gave mortgage-bound borrowers a split signal. TRREB’s unadjusted release showed sales down almost 8% year over year and average price down 2.7%. The seasonally adjusted read reported by Reuters and Yahoo showed sales up 1.2% month over month and HPI up 0.1% month over month, though still down 4.3% year over year. This episode explains why those lenses shouldn’t be blended, why average price is mix-sensitive, and how buyers and renewers can use the data as context rather than a trigger. We walk through the OSFI minimum qualifying rate formula for uninsured…