In 2025, the Bank of Canada’s interest rate cuts have become a major turning point for the Canadian real estate market, particularly in Ontario and the GTA. With the key policy rate lowered to 2.25%, homebuyers, sellers, and investors are eager to understand how this shift will affect mortgage rates, home affordability, and overall market confidence. Many Canadians are searching for updates on current interest rates, the 2025 mortgage rate forecast, and whether now is a good time to buy a home.

For Ontario homebuyers and those considering buying a home in Brampton or the GTA, these lower rates may offer a rare opportunity to step into the market with greater buying power. At the same time, investors are analyzing how the interest rate reduction could influence property values, rental demand, and long-term investment strategies. Whether you’re a first-time homebuyer, a family planning to move up to your next home, or an investor exploring real estate opportunities in Ontario, this market update will help you make informed decisions.

As a trusted Ontario REALTOR® with eXp Realty, I’m here to help clients navigate the 2025 real estate market, understand mortgage trends, and take advantage of opportunities that arise as rates continue to shift. Because when it comes to real estate, a WINT deal is a MINT deal.