Capital Gains, Rate Uncertainty, and the Spring Market Outlook
With the election season heating up and major banks disagreeing on the direction of interest rates, the Canadian housing and mortgage landscape is anything but predictable. In this week’s recap, Tyler breaks down the latest headlines—and what they could mean for you as a homeowner, buyer, or investor.
Key Takeaways:
✅ New Tax Proposals Could Change Everything
Pierre Poilievre is proposing a capital gains reinvestment deferral—meaning if you reinvest gains in Canada, taxes could be deferred. This is a stark contrast to last year’s Liberal tax proposal and could have major implications for investors and real estate holders.
✅ Rate Predictions Are All Over the Map
Scotiabank says no more rate cuts are coming, while RBC and TD still expect further drops. With conflicting forecasts from Canada’s top institutions, now is the time to assess your risk tolerance and mortgage strategy.
✅ Now Might Be the Time to Consider Fixed Rates
If sub-4% fixed rates become more available, this could be the window to pivot—especially for those looking to exit variable rate uncertainty after the last two years of volatility.
What You Should Do Next:
- Assess your current mortgage – Is your strategy still working for you?
- Speak with a broker – Get advice tailored to your financial goals and market position.
- Stay informed – The right timing can create real savings. Knowledge = power.
Ready to make a move or want clarity on your options?
Watch the full video recap above and stay ahead of the market.
#MortgageNews #InterestRates #CanadianRealEstate #CapitalGains #FixedRate #HomeBuyingTips #PilotMortgage
