80.4%. That's the odds the market is putting on a Bank of Canada rate hike this Wednesday, from 2.25% to 2.50%. Earlier this month it was about 1 in 3. Now a hike is the most likely outcome. Here's what that means for buyers and sellers: A quarter-point hike cuts about $12,500 off what you can borrow on a $500K mortgage, at the same monthly payment. Same budget. Less house. Shopping right now? Talk to your mortgage broker about refreshing your qualifications. Selling and expecting $800,000? Your buyers just lost buying power too. Be ready for offers closer to $787,500. Odds aren't a guarantee. The market has been wrong before. But 80.4% is a number worth planning around. Send this to someone buying or selling. Sources: RateProbability (overnight index swap pricing, as of Oct 26, 2026), Bank of Canada, The Globe and Mail (Bloomberg data). $500K example is our estimate: 25-year amortization at a 4.20% example rate. #CanadianRealEstate #BankOfCanada #InterestRates #MortgageTips #OntarioRealEstate

JUST LISTED 🎉 104 Sideroad 18, Fergus 🏡 Some people see work. Others see opportunity. If you're the second kind of buyer, this one is for you. ✅ 4 bedrooms, 2.5 bathrooms ✅ Nearly 0.7 acres surrounded by mature trees ✅ Soaring ceilings, skylights, and elegant dual staircase ✅ Spacious mezzanine and multiple living areas ✅ Primary suite with private ensuite ✅ New fireplace, French doors, and brand-new deck ✅ New electrical panel and paved driveway ✅ Oversized garage with storage area and heavy-duty hoist ✅ Minutes to schools, hospital, shopping, and easy access to Guelph and KW An incredible lot, a layout that can't be replicated, and unlimited potential in one of Fergus's most desirable neighbourhoods. Contact us today to book your private showing! — Listed by MillTown Property Group | eXp Realty, Brokerage

Over 1,000 real estate pros were surveyed this year. The verdict? Buyers aren't waiting on rates. They're waiting on certainty. Here's how it plays out: Uncertain buyers get cautious. Cautious buyers offer less. Or they walk. So you've got two options. Wait for certainty. (It's not coming.) Or change the play. The investors winning right now aren't guessing the market. They're running BRRRR: buy, renovate, rent, refinance, repeat. Cash flow doesn't need a hot market. The market didn't get worse for everyone. It got worse for people still running the 2021 playbook. Which one are you running? #OntarioRealEstate #CanadianRealEstate #RealEstateInvesting #BRRRR #HousingMarket

Excited to be speaking on an upcoming virtual ICON Panel with eXp Realty. One thing I’ve always respected about eXp is that there aren’t dozens of awards, participation trophies, or recognition levels designed to make everyone feel successful. There is one award: ICON. It’s earned through a combination of production, profitability, and contribution to the company and its agents. You don’t get it for showing up. You don’t get it for trying hard. You get it by performing. That’s what makes it meaningful. This year, I’m honoured to be part of an ICON panel where we’ll be discussing what it actually takes to build a successful real estate business, the mistakes we’ve made along the way, and the lessons we’ve learned through experience. If you’re an agent looking to grow your business, create more leverage, or simply learn from people who have been through it, I’d encourage you to tune in. Looking forward to the conversation. #eXpRealty #ICONAgent #RealEstate #BusinessGrowth #Leadership MillTownPropertyGroup

Tomorrow at 8:30 AM, we find out what this winter looks like. For 18 months I've said the number to watch is jobs. Tomorrow, it's inflation. Food's up. Property taxes are up. Pretty much everything's up except rent. Headline inflation hit 3% in August, the top of the Bank of Canada's comfort zone. And yes, we lost 68,000 jobs in September, but the Bank targets inflation. A bad jobs report doesn't mean they sit still. If tomorrow's number shows price shocks spreading, variable rates (honestly pretty good right now) could get pricier. And no, higher rates + lower prices isn't a win. A $2,500 payment is still $2,500. More of it just goes to the bank instead of your equity. Eyes peeled. Rate decision is Oct 28. What's gone up the most in your house? 👇 #Inflation #BankOfCanada #OntarioRealEstate #MortgageRates #CPI

✨ New Listing Alert — Guelph, ON Welcome to 283 Cole Road, where thoughtful upgrades, exceptional space, and a backyard that feels like a private escape come together in one of Guelph's most convenient locations. This is not your average semi-detached and one walk-through will tell you exactly why. ✅ 3 bedrooms upper level + 2 additional bedrooms in finished basement ✅ 2 full bathrooms | Perfect for growing families or multi-generational living ✅ Showstopping brand new kitchen with new cabinetry & countertops (2025) | New flooring (2022) ✅ Shower renovation (2023) | Energy-efficient heat pump for year-round comfort (2025) ✅ Expansive multi-tiered deck with privacy screen🌳Your own outdoor sanctuary ✅ Fully fenced backyard bordering a city-maintained pond with no future development planned ✅ Vacant possession | No rental items | Minutes to Hwy 6, downtown & south end Guelph Your backyard is nature. Packed with updates. This one checks every box and then some. Do not wait on this one! Book your private showing today. — Listed by MillTown Property Group | eXp Realty, Brokerage

Cheaper to rent than to own in Ontario. Sounds like a win. It's not. Rent on the average house: ~$2,800/mo. Owning that same house: ~$3,800/mo. The 2027 rent cap? 1.9%. Meanwhile renewals are nearly doubling, property tax is up 8% in a lot of cities, and insurance and utilities keep climbing. If a rental loses money every month, who buys the next one? Nobody. Today's cheap rent becomes tomorrow's shortage. Rent control: fair or broken? Tell me below. 👇 #OntarioRealEstate #RentControl #GuelphRealEstate #KitchenerWaterloo #HousingCrisis

✨ New Listing Alert — Kitchener, ON Welcome to 13-1989 Ottawa Street South. A one-of-a-kind condo townhouse where luxury upgrades, smart home technology, and thoughtful customization come together to create a living experience that is truly in a class of its own. If you have been searching for condo living without compromise, your search ends here. ✅ Smart home lighting & switches | Custom designer fixtures throughout ✅ Chef-inspired kitchen with new gas range (2025), two fridges, wine fridge & wet bar ✅ Culligan 5-stage reverse osmosis system | Expanded cabinetry for maximum storage ✅ Fully hardwired CAT6 cabling for seamless mesh Wi-Fi or wired connectivity ✅ Soundproof insulation throughout | Custom built-in home office with cabinetry & shelving ✅ Trane humidifier, CleanEffects air filtration & ERV air exchange system (all 2025) ✅ Professionally designed outdoor space with gas BBQ hookup & concrete fire table ✅ Protected forest conservation area & trails directly behind the community ✅ Minutes to Sunrise Centre, Ira Needles, restaurants & Hwy 7/8 and 401 This is not just a home, it is a lifestyle upgrade. Meticulously curated, packed with premium features, and positioned in one of Kitchener's most connected communities. Do not miss your chance to make it yours. Book your private showing today. — Listed by MillTown Property Group | eXp Realty, Brokerage