Move Smartly

A Contrarian Take on Where Canadian Mortgage Rates May Be Heading

dave@morplan.ca (David Larock) — Mon, 28 Sep 2026 18:23:36 GMT

Higher energy prices are fueling inflation concerns, but will they really lead to higher rates?

Why Canada Shouldn't Let Foreign Buyers Back Into Our Housing Market

john@realosophy.com (John Pasalis) — Thu, 24 Sep 2026 11:21:50 GMT

How Seniors Are Losing Their Homes to Mortgages They Didn't Understand

john@realosophy.com (John Pasalis) — Wed, 23 Sep 2026 16:44:32 GMT

How the Fed’s Hike Impacts Canadian Mortgage Rates

dave@morplan.ca (David Larock) — Mon, 21 Sep 2026 16:35:37 GMT

The US Federal Reserve hiked its policy rate by 0.25% last week, as expected.

Is the US Federal Reserve About to Hike?

dave@morplan.ca (David Larock) — Mon, 14 Sep 2026 17:51:51 GMT

Toronto's Airbnb Condos: The 10 Condos Where Short-Term Rentals Dominate

john@realosophy.com (John Pasalis) — Tue, 08 Sep 2026 22:10:12 GMT

Most condo buyers never ask how many units in the building they're buying into are short-term rentals. In some downtown towers the answer is close to half.

We matched the City of Toronto's short-term rental registry, the licence every Airbnb-style host needs, against every condo building in the city. Ten buildings stand out. At 300 Front Street West, 299 of 684 units are registered as short-term rentals, 44% of the building. Parade II and Peter Street Condos are close behind at 40% and 39%.

The ten fall into two groups. Six sit within a kilometre of the Rogers Centre and Scotiabank Arena, with ordinary-sized units; the location does the work. The other three were built for it: Dundas Square Gardens and the two Yorkville Plaza buildings have between 42% and 54% of their units under 500 square feet, against 8.5% across the city. At Dundas Square Gardens, a quarter of the units are under 400.

The small units have paid for it. Since the 2022 peak, condos in the downtown core have lost about 24% of their value per square foot. The four small-unit towers have lost 29% to 35%. Five of the ten are worth more than 20% less per square foot than they were in 2019, while Toronto condos overall are down 4%.

The full report profiles all ten buildings: unit sizes against the city, price per square foot since 2014, rents by bedroom, and the share of each building that's rented rather than owner-occupied. It's the kind of information that never appears in a listing, which is exactly why we publish it.

Read the full report → Toronto's Airbnb condos

Every condo building on MoveSmartly.com shows its share of short-term rental units. It's one more thing we tell you that's not in the listing.

The Bank of Canada’s Surprisingly Hawkish Turn

dave@morplan.ca (David Larock) — Tue, 08 Sep 2026 15:36:49 GMT

The Bank of Canada (BoC) held its policy rate steady last week, as was widely expected.

GTA Home Buyers Hit Pause in August

john@realosophy.com (John Pasalis) — Thu, 03 Sep 2026 00:41:34 GMT

GTA Housing Market Update – August 2026

The Canadian Economy Shows Resilience in Q2

dave@morplan.ca (David Larock) — Mon, 31 Aug 2026 15:14:57 GMT

Last week Statistics Canada confirmed that our Gross Domestic Product (GDP) grew by 0.8% in Q2 on a quarter-over-quarter basis (3.3% annualized).

Realosophy Is Now Move Smartly — And Here's What Changed

john@realosophy.com (John Pasalis) — Thu, 27 Aug 2026 03:30:31 GMT

In 2009, I started a real estate brokerage called Realosophy because it was almost impossible to find out anything real about a house or a neighbourhood.