TORONTO — There’s a deepening divide among consumers, even as the rate of missed credit payments dipped, a new Equifax Canada report shows. 

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The Canadian Real Estate Association says home sales in July rose 6.6 per cent compared with a year ago, continuing an upward trend after the market had slowed in previous months. 

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If you or a family member are thinking of buying your first home, there are three tax-advantaged savings programs that can help you come up with that initial down payment, reducing the amount you will need to borrow as a mortgage and potentially saving you thousands of dollars in interest costs. The three sources of tax-free down payment cash are, in my order of preference, the first home savings account (FHSA), the tax-free savings account (TFSA) and your registered retirement savings account (RRSP), accessed via the federal Home Buyers’ Plan (HBP). 

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Canada Mortgage and Housing Corporation (CMHC) has released new research examining rent control, the role of Real Estate Investment Trusts (REITs), and eviction trends in Canada’s rental market, stressing the need for policies that encourage both private investment and strong tenant protections. 

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First, Andrew Chang explains what’s behind the downward trend in Canadian rent prices. Then, U.S. President Donald Trump’s new plan to end the war in Ukraine, including threats of a 100 per cent tariff on Russia’s key trading partners. 

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One last gasp for the Canadian residential market. That was the headline on the last story I wrote for the Financial Post nearly eight years ago. 

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The financial market believes the Bank of Canada will cut its policy rate to 2.25 per cent by the end of 2025 and then hold it there for all of 2026, according to a survey released by the central bank on Monday. 

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If housing costs too much, there must not be enough supply. That’s Ottawa’s simple take on the affordable housing crisis in Canada. And their simple solution? Impose policy, including the housing accelerator fund, to get rid of zoning prohibitions and accelerate the building of new homes within existing urban footprints. 

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More than half of millennials (54%) and two in five Gen Zers (41%) say they’ve felt pressured to buy a home, according to new new data from real estate platform Wahi’s 2025 Pressure Point Survey. This is in comparison to just 30% of Gen Xers and 13% of baby boomers. 

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Canada’s average asking rent took another step down in July, the tenth consecutive month for year-over-year decreases.  

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