Canada’s housing market is entering a pivotal year. In this episode of Real Estate Diaries, we break down the biggest forces shaping Canadian Real Estate in 2026—from new mortgage rules and taxes to what the latest forecasts mean for buyers, investors, and homeowners.

We unpack the OSFI mortgage rule changes, including how rental properties are now classified as income-producing real estate and why this could make financing tougher and more expensive. We also explore the impact of the new Toronto Luxury Municipal Land Transfer Tax (MLTT) coming April 2026, plus evolving CRA enforcement around short-term rental compliance.

On the market side, we analyze where things may be heading based on current data and projections—including sales momentum, housing supply, and the shifting rental landscape. With rising costs, regulatory changes, and new risks emerging, understanding 2026 could be critical for making smart real estate decisions.

In this episode, we cover:

• The new OSFI mortgage framework and its impact on financing
• Toronto’s new luxury tax and broader tax pressures in 2026
• Rental market shifts, investor challenges, and cash flow realities
• CMHC outlook: sales rebound vs. slowing housing starts
• What buyers, homeowners, and investors should watch this year

Whether you’re buying, investing, or planning your next move, this episode gives you a clear, practical view of where Canadian real estate may be heading in 2026.

Subscribe to Real Estate Diaries for expert insights on the trends shaping Canada’s housing market.

About Our Sponsor

The Real Estate Diaries is proudly sponsored by PropCare – the voice-first property operations platform built in Canada by builders, landlords, and property operators who understand your daily challenges.

PropCare answers every resident and homeowner call 24/7 under your brand, coordinates verified trades, documents every interaction automatically, tracks expenses in real-time, and delivers built-in Canadian compliance – including warranty and provincial requirements. Think of PropCare as your behind-the-scenes operations team that removes you from daily coordination while protecting your reputation and enabling portfolio growth without growing headcount.

Whether you're a builder drowning in warranty calls, a landlord juggling multiple properties, or a property manager coordinating endless maintenance requests, PropCare handles the chaos so you can focus on what matters most – growing your business and getting your life back.

Their core promise is simple: "Speaks to residents. Speaks to trades. Lets you speak to family."

Ready to end property coordination chaos? Learn more at www.propcare.ca
and discover how Canadian property professionals are scaling their operations without scaling their stress.

Ontario vs Alberta — Eviction, Renovictions & Tenant Rights in Canada

In this deep-dive episode of Real Estate Diaries, we explore the rapidly evolving landscape of residential tenancy laws in Canada, comparing Ontario vs Alberta eviction rules, renoviction regulations, landlord rights, and tenant protections. As housing pressures rise across the country, understanding the legal and operational realities of renting has never been more important for landlords, property managers, investors, and tenants.

The episode examines the growing phenomenon of “renovictions” in Canada—when tenants are displaced due to major renovations—and how municipalities such as Toronto, Hamilton, and London are introducing new licensing bylaws inspired by New Westminster, British Columbia, aimed at preventing bad-faith evictions and protecting renters.

We also break down key real-world issues shaping the rental market:

Cash for Keys in Ontario (N11 Agreements)
Why some landlords choose to negotiate voluntary move-outs instead of navigating delays and uncertainty at the Landlord and Tenant Board (LTB). Learn how N11 forms work, when they are legal, and risks for both landlords and tenants.

Landlord Right of Entry — Ontario vs Alberta
A practical comparison of when landlords can legally enter a rental unit, including 24-hour notice requirements, permitted reasons for entry, and how rules differ between provinces.

The Real Causes of Eviction in Canada
Using Statistics Canada housing data, we reveal why property sales—not unpaid rent—are the leading driver of eviction, and what that means for housing stability and tenant security.

Human Rights & Housing Law
An overview of how the Ontario Human Rights Code overrides tenancy legislation, protecting tenants from discrimination, harassment, and unfair treatment based on protected grounds such as family status, disability, income source, and more.

Who Should Listen

• Landlords & Property Owners
• Real Estate Investors
• Property Managers
• Tenants & Renters
• Housing Advocates
• Canadian Real Estate Professionals

About Our Sponsor

The Real Estate Diaries is proudly sponsored by PropCare – the voice-first property operations platform built in Canada by builders, landlords, and property operators who understand your daily challenges.

PropCare answers every resident and homeowner call 24/7 under your brand, coordinates verified trades, documents every interaction automatically, tracks expenses in real-time, and delivers built-in Canadian compliance – including warranty and provincial requirements. Think of PropCare as your behind-the-scenes operations team that removes you from daily coordination while protecting your reputation and enabling portfolio growth without growing headcount.

Whether you're a builder drowning in warranty calls, a landlord juggling multiple properties, or a property manager coordinating endless maintenance requests, PropCare handles the chaos so you can focus on what matters most – growing your business and getting your life back.

Their core promise is simple: "Speaks to residents. Speaks to trades. Lets you speak to family."

Ready to end property coordination chaos? Learn more at www.propcare.ca
and discover how Canadian property professionals are scaling their operations without scaling their stress.

Stop Playing Contractor Roulette: The 7-Minute System to Hire Reliable Trades in the GTA

32% of Ontario homeowners have been victims of contractor scams. Don't be one of them.

In this essential episode, we break down the exact system you need to hire reliable contractors, avoid predatory scammers, and handle emergency repairs without losing your shirt. Whether your furnace dies on a Sunday night or you're planning a major renovation, this conversation will save you thousands of dollars and months of headaches.

What You'll Learn: • The 7-minute background check that separates pros from predators • How to handle true emergencies vs. what just feels urgent • Red flags that scream "scam" and how to shut them down politely • Green flags that signal you've found a real professional • Contract essentials that protect your wallet and your home • Your legal rights when things go wrong

Why This Matters Now: The real estate market slowdown has created a unique opportunity where premium contractors—master plumbers, licensed electricians, certified HVAC specialists who typically work exclusively on major commercial developments—now have availability for residential customers.

Key Takeaways:

• Most emergency service providers won't respond to residential jobs under $5,000
• A good contractor will happily answer questions about licensing and insurance
• "I don't sign contracts the same day I see them" is your most powerful phrase
• Documentation from day one can save your project when problems arise

Episode Sponsors: This episode is proudly sponsored by PropCare, the voice-first property operations platform that's bringing commercial-grade contractor coordination to GTA homeowners. With their new pilot program, you're just one call away from vetted, reliable trades: 365-906-CARE (365-906-2273). Same-day emergency response, 365 days per year, across the entire Greater Toronto Area. Learn more at www.propcare.ca
.

Perfect for: Homeowners, property investors, first-time buyers, anyone who owns real estate in Ontario

Listen if: You've ever been burned by a contractor, you're planning home improvements, or you want to sleep better knowing you have reliable trades on speed dial.

The Real Estate Diaries explores the real lives behind real estate—where ambition meets operations, and success often comes with unseen pressure. New episodes every Sunday.

Connect:

About Our Sponsor

The Real Estate Diaries is proudly sponsored by PropCare – the voice-first property operations platform built in Canada by builders, landlords, and property operators who understand your daily challenges.

PropCare answers every resident and homeowner call 24/7 under your brand, coordinates verified trades, documents every interaction automatically, tracks expenses in real-time, and delivers built-in Canadian compliance – including warranty and provincial requirements. Think of PropCare as your behind-the-scenes operations team that removes you from daily coordination while protecting your reputation and enabling portfolio growth without growing headcount.

Whether you're a builder drowning in warranty calls, a landlord juggling multiple properties, or a property manager coordinating endless maintenance requests, PropCare handles the chaos so you can focus on what matters most – growing your business and getting your life back.

Their core promise is simple: "Speaks to residents. Speaks to trades. Lets you speak to family."

Ready to end property coordination chaos? Learn more at www.propcare.ca
and discover how Canadian property professionals are scaling their operations without scaling their stress.