Latest / The Canadian Real Estate Investor
What Investors Need to Know: Rate Cuts, Rate Hikes & Capital Gains
The Canadian real estate market is facing significant transitions in 2025, with the Bank of Canada's policy rate at 3.25% and 60% of homeowners facing mortgage renewals over the next two years. National Bank forecasts potential rate cuts followed by hikes in 20261, while strong December job numbers cast doubt on anticipated rate cuts1.
Capital gains tax changes are creating uncertainty, with the CRA moving forward with a 67% inclusion rate despite pending parliamentary approval1.
Demographic shifts show seniors are now more likely to have mortgages than young adults, with 49% of…
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