Akarat Group

06/17/2026

06/16/2026

Market Insight

Residential sales from January to May 2026 totaled 54,473 transactions, approximately 28% below the 2010–2025 average.

While prices often dominate the conversation, transaction volume tells us how many buyers and sellers are actually participating in the market.

What do you think is the primary reason market activity remains below historical norms?

• Affordability
• Interest rates
• Economic uncertainty
• Lack of suitable inventory
• Something else?

Share your thoughts below.

06/11/2026

The Bank of Canada held rates yesterday, but the rate decision wasn’t what caught my attention.

The language used during the press conference was far more interesting.

A few comments about recession risks, inflation, and even the possibility of future rate hikes stood out to me.

Here are my key takeaways.

06/09/2026

FOR SALE: $699,000
Thorold, ON

https://www.akarat.ca/ON/thorold/l3b0g7/15118555-MLS-X13419914-na-6-Doreen-Drive

Welcome to this 4-bedroom, 3-bathroom detached Empire Legacy home offering 2,027 sq.ft. of well-designed living space in a family-oriented neighbourhood in addition to around 914 sq.ft. of unfinished basement. The main floor features 9-foot ceilings, a practical open-concept layout, a kitchen with breakfast area, a great room, a powder room, and convenient main-floor laundry with direct access to the double-car garage. The second floor includes a primary bedroom with a walk-in closet and private ensuite featuring a soaker tub and separate shower, along with three additional bedrooms and a full bathroom. Additional features include an oak staircase, parking for up to four vehicles with a double-car garage and double driveway, and an unfinished basement with a bathroom rough-in providing ample storage space. Conveniently located just 5 minutes from Seaway Mall, Walmart, Canadian Tire, RONA, Niagara College, restaurants, and everyday amenities. Brock University, neighbourhood schools, parks, and major transportation routes are all within easy reach, with Niagara Falls and Niagara Health approximately 20 minutes away and Toronto less than 90 minutes away. A well-located home offering comfortable living with convenient access to shopping, education, healthcare, and commuter routes.

06/06/2026

Equifax Canada recently released its latest Consumer Credit Trends Report.

Key findings:

Ontario mortgage delinquencies up 52%

Consumer insolvencies at their highest level since 2009

Canadians are borrowing less, not more

Credit card originations at a 4-year low

Auto lending and instalment loans continue to decline

Ontario remains one of the provinces experiencing the greatest increase in consumer financial stress.

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The findings are particularly relevant because they mirror many of the situations we analyze daily at our office working with homeowners and investors. We routinely build financial models that forecast different ownership scenarios, evaluate carrying costs, test multiple assumptions, and compare various strategies and solutions. Increasingly, these discussions are less about property values and more about CASH FLOW sustainability and preserving financial flexibility.

In my opinion, Ontario is not facing a broad consumer debt crisis. Rather, the stress appears increasingly concentrated among highly leveraged households and investors who entered the market at elevated prices and are now dealing with higher borrowing costs, other consumer debt obligations, and weaker cash flow than originally anticipated.

It is also clear that those who entered the market before the pandemic are less affected by those who purchased during the 2020–2024 period.

One of the most difficult conversations we have with clients is explaining that not every situation has a path back to profitability. In those situations, the focus shifts to exiting and minimizing further damage, and redeploy capital and borrowing capacity into stronger opportunities when they arise.

In our experience, successful decisions are rarely driven by hope. They are driven by understanding the numbers, evaluating realistic scenarios, and acting before options become limited.

The question is not who has debt. The question is who still has options.

Notes by MAS are grounded in real transactions and practical day-to-day experience across real estate, mortgages, and property management.

— Mohammad Abusaa (MAS)

06/04/2026

FOR SALE: $1,930,000
Westmount - Oakville, ON

https://www.akarat.ca/ON/oakville/l6m4t3/15002384-MLS-W13114866-na-2376-Brockberry-Crescent

Spacious 5-bedroom family home with a finished basement offering aprrox. 4,000 sq. ft. of total living space, combining functionality, comfort, and convenience. Bright and sun-filled throughout the day, this carpet-free home is located on a quiet family-friendly crescent. The 5 bedrooms include two bedrooms with private ensuite bathrooms and a walk-in closet in the Master Bedroom. Hardwood flooring throughout, California shutters, pot lights on the ground floor and basement, a dedicated office/den on the ground floor, and an open-concept layout connecting the kitchen, dining area, and inviting family room with a cozy fireplace. The professionally finished basement adds exceptional versatility with a specious recreational space, two additional rooms currently used as bedrooms, a full washroom, and a walk-in closet in one of the rooms, ideal for extended family, guests, or flexible living arrangements. Enjoy a private, low-maintenance landscaped backyard featuring a large stone patio, elevated deck, and pergola lounge area. The home also offers a double car garage with two garage door openers, double driveway, private side driveway with no close neighbouring home, and an upgraded 200 AMP Electric Panel and an EV-ready 60 AMP charger connection in the garage. Tile flooring in wet areas and laminate flooring in the basement complete this well-maintained, move-in-ready home. Ideally located in one of Oakville’s most family-friendly communities, this home is surrounded by excellent school options including Captain R. Wilson P.S. and Garth Webb S.S. for the English track, Heritage Glen P.S. for French Immersion, and St. Joan of Arc CES and St. Mary CES for Catholic education. Enjoy convenient access to the QEW, Bronte Creek Provincial Park, Sixteen Mile Creek trails, Oakville Trafalgar Memorial Hospital, as well as nearby shopping centres, restaurants, parks, and everyday amenities - offering the perfect balance of nature, convenience, and family living.

06/02/2026

FOR LEASE
Vellore Village - Woodbridge, ON

https://www.akarat.ca/ON/vaughan/l4h0n1/15084211-MLS-N13225374-na-107-Filippazzo-Road

Functional layout with premium finishes throughout. Offering over 4,000 sq. ft. of total living space, including a finished basement. Features hardwood flooring on the main and second levels, hardwood stairs with steel pickets, wainscoting, pot lights, and zebra blinds throughout the main floor. A well-appointed den overlooks the front porch, while the spacious living and dining areas, along with the family room, provide ample space for both everyday living and entertaining.The kitchen is equipped with stainless steel appliances, marble countertops, a stylish backsplash, gas stove, and pot filler. The second floor offers four generously sized bedrooms, including two ensuite bathrooms and a Jack-and-Jill bathroom. The primary bedroom features two walk-in closets, while the fourth bedroom includes its own walk-in closet. A second-floor laundry room with updated appliances adds everyday convenience.The open-to-above foyer fills the home with natural light and creates an impressive sense of space. The finished basement includes a large recreation area, two additional rooms, a washroom, and a kitchenette. Additional highlights include a central vacuum system and an in-ground sprinkler system servicing both the front and rear yards. Located in the highly sought-after Vellore Village community. Walking distance to top-ranked schools, the community centre, parks, and the Kortright Centre for Conservation. Conveniently close to shopping plazas, Cortellucci Vaughan Hospital, Canada’s Wonderland, and a wide range of amenities, with easy access to major highways and transit.

05/26/2026