As we head into 2026, I’ve been getting a lot of questions about what’s coming next for homeowners and buyers. So, I wanted to share a quick note with you, no jargon, no pressure, just a helpful look at what market experts are saying and what it could mean for you.

The biggest word being used to describe 2026 is “balance.” Home prices are expected to rise slowly in many areas, not jump quickly like we saw in the past. Some markets will be busier than others, but overall, things should feel calmer and more predictable.

For buyers, this can mean less pressure to rush and more time to make good decisions. For homeowners, it means values are holding up, and long-term stability is still there.

One of the biggest things happening in 2026 is mortgage renewals. Many Canadians will be renewing mortgages that were set up years ago, when interest rates were much lower. That means some people may see higher payments when their term ends.

The good news? You have options and planning ahead can make a big difference. Even if your renewal is still months away, it’s smart to:

*Review your mortgage now

•Look at different lenders (not just your current one)

•Talk through strategies that fit your budget