As we hit the halfway mark of 2025, the Canadian housing and lending landscape is evolving. From shifting mortgage trends to improved buyer confidence, this is a pivotal time for anyone looking to buy, refinance, or invest.
At Cashin Mortgages, we go beyond the headlines to bring you insights that actually matter for your real-life mortgage decisions.
Beware of Averages: Housing Markets Vary by Region
Yes, national home prices are down 3.4% year-over-year—but that number hides the real story. Canada is not one market. While some cities are cooling, others are holding strong—or even growing.
📍 What this means for you: Before you buy or sell, it’s essential to understand your local market. Averages don’t tell the whole truth, but working with an expert mortgage broker can.
Homeownership Delayed, But Not Out of Reach
In Ontario, the average age of a first-time homebuyer is now 40. Affordability, rising costs, and mortgage qualification rules are major hurdles. But delayed doesn’t mean denied.
💡 Our take: At Cashin, we help clients develop long-term homeownership strategies. From building credit to down payment planning and product selection, we’ll guide you at every stage.
Mortgage Trends Are Shifting
For the first time in decades, the 5-year fixed mortgage is no longer the top choice. In Q1:
41% chose variable rates
32% went with 3- or 4-year fixed terms
Just 27% stuck with the 5-year fixed
📌 Why this matters: Borrowers are looking for flexibility amid economic uncertainty. We help you weigh your risk tolerance and goals to match the best solution.
Inflation Cools to 1.7%
Inflation dropped to 1.7% in April—good news for Canadian households. This was largely due to falling gas prices, and it could impact future mortgage rates.
Lower inflation = potential for rate stability or cuts. That’s a plus for buyers, refinancers, and anyone renewing soon.
Housing Confidence on the Rise
After a rocky start to the year, May brought a sharp rise in housing sentiment. Canadians are feeling more optimistic about real estate—whether buying, selling, or investing.
✨ What this means: Confidence often leads to action. If you're watching from the sidelines, now may be the right time to plan your next step.
Bank of Canada Rate Announcement: What It Means for You
The Bank of Canada recently held its key interest rate steady. This signals caution as inflation eases but global uncertainty lingers.
How it affects borrowers:
Fixed-rate borrowers benefit from predictability
Variable-rate borrowers may see some short-term relief
It’s a great time to reassess your mortgage strategy before the next rate shift
Final Thoughts
Canada’s real estate market is far from static—it’s shifting beneath the surface. With regional differences, changing preferences, and economic shifts, expert advice is more important than ever.
At Cashin Mortgages, we’re here to help you stay ahead and make confident decisions in any market.
🔍 Let’s chat about your goals today.
