According to the Canadian Real Estate Association (CREA), home sales climbed 5.2% in September compared to the same time last year, marking the busiest September since 2021. The rebound is being driven by lower borrowing costs, pent-up demand, and renewed consumer confidence that “the worst may finally be behind us.”
📊 Forecast Upgrade: A Softer Decline, Stronger Momentum
CREA has officially upgraded its 2025 housing forecast, now predicting that 473,093 residential properties will be sold this year — a modest 1.1% decline from 2024, far less than the 3% drop originally projected back in July.
Meanwhile, the national average home price is expected to edge down just 1.4% to $676,705, suggesting that price corrections are stabilizing while buyers and sellers adjust to a more balanced market.
“With three years of pent-up demand and more normal interest rates finally here, we expect home sales to trend upward through the end of 2025,”
— Shaun Cathcart, CREA Senior Economist
🏡 Inventory Still Tight — But Confidence Returning
While new listings dipped slightly by 0.8% month-over-month, active listings remain up 7.5% year-over-year, with 199,772 properties available across Canada. That still points to a competitive environment, especially in high-demand regions like Ontario’s Golden Horseshoe, Vancouver, and Calgary.
The takeaway? The balance is shifting — slowly — from fear to opportunity. Buyers who stepped aside in 2023 and early 2024 are now returning, motivated by easing interest rates and steady price floors.
💡 What This Means for Homeowners and Investors
For homeowners, this resurgence signals a chance to refinance or access equity while market confidence rises. For investors, it’s proof that Canada’s real estate fundamentals remain strong — and asset-backed investments, like private mortgage lending through firms such as Lendworth, are well-positioned to benefit from renewed housing activity.
Lendworth’s focus on low loan-to-value residential lending means investors participate in the upside of real estate without the volatility of direct ownership — a smart play as the housing cycle begins its next phase.
🧭 The Bottom Line
As 2025 heads into its final quarter, Canada’s real estate market appears to be turning a corner.
- Sales are up.
- Prices are stabilizing.
- Rates are easing.
- Confidence is returning.
If momentum continues, the next chapter of this housing story could belong to those who act early — buyers ready to move, and investors ready to lend.
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