CJ Gidda Realtor

03/21/2026

Bank of Canada Holds Interest Rate at 2.25%: What the March 18, 2026 Update Means for GTA Real EstateOn March 18, 2026,

03/17/2026

Based on the latest inflation data, economic growth forecasts, and global energy risks, the most likely outcome is that

12/03/2025

🏡 November 2025 Market Update: Is Southern Ontario Finally A Buyer Market?

The latest TRREB stats confirm it.
📉 Average GTA price is now $1,039,458
📉 Prices are down 6.4% year over year
📉 Sales are down 15.8% as buyers stay cautious
📊 Sales to new listings ratio is 45%, which means the power has quietly shifted toward buyers.

In my new blog, I break down:
🔍 What these numbers really mean for the GTA, Hamilton and Waterloo
🏘️ How detached homes, towns and condos are each performing
💼 Why 2026 is shaping up as one of the best windows in years for serious buyers and investors
📍 Where the real opportunities are for first time buyers, move up families and investors
If you are thinking about making a move next year, this is the kind of data you want to understand, not ignore.

👉 Read the full November 2025 Southern Ontario Market Update.

Message me any time if you want the numbers for your neighborhood.

🏡 Southern Ontario Real Estate Market Update – November 2025Prices Down, Sales Fall, and 2026 Opportunities Ris

11/25/2025

📋 Trivia Tuesday – Know Your LTB Forms

❓Question:
If you're a landlord in Ontario and want to move into your rental property or have a close family member like your parent or child move in, what form do you need to serve the tenant?

A) N5 – Interfering with Others
B) N7 – Serious Problems in the Unit
C) N12 – Landlord/Family Taking Possession
D) N13 – Demolition or Renovation

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✅ Answer:
C) N12 – Landlord or Family Moving In

💡 Why it matters:
The N12 form is not just paperwork, it's a legally binding notice under Ontario's Residential Tenancies Act. Landlords must give at least 60 days' notice before the end of a rental period and must either compensate the tenant with one month’s rent or offer another suitable unit. This ensures tenants aren't left scrambling without recourse.

Improper use of Form N12 can result in serious legal consequences, including orders to pay compensation to the tenant or fines under the Ontario Landlord and Tenant Board (LTB).

🏠 Whether you're an investor or planning to move into your property, it’s critical to follow the correct LTB process. As always, do it by the book and protect yourself from costly mistakes.

✍️ Drop your landlord questions in the comments or DM me anytime if you need help understanding your rights and responsibilities.

📲 Save this post for future reference or share it with someone navigating rental laws in Ontario.

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CJ Gidda
📞 647-289-2525
📧 [email protected]
🌐 www.gtahomesfinder.ca

08/30/2025

📍 Just Listed + Open House Today 1–4 PM!

Welcome to 4 Thimbleweed St, Markham — a luxurious 4-bedroom detached home on a premium 50’ lot in the prestigious Wismer community. Featuring 10-ft ceilings, hardwood floors, a gourmet granite kitchen, double garage with epoxy floors, California shutters, upgraded bathrooms, and a bright main-floor office space. Steps from Bur Oak Secondary, Mount Joy GO, parks, and Markville Mall. This is your chance to live in one of Markham’s most sought-after neighborhoods.

📆 Open House: Today from 1–4 PM
📞 Call CJ Gidda at 647-289-2525 for details or a private showing.

08/06/2025

📊 Toronto Real Estate Market Update – July 2025

Thinking of making a move? Here’s your quick snapshot of where the GTA housing market stands this month:

✔️ 6,100 homes sold
✔️ 17,613 new listings
✔️ Average price: $1,051,719
✔️ Average listing days on market: 30
✔️ Sales-to-new listings ratio: 38% (still a buyer’s market)

💡 What does it mean for YOU?

Buyers still have leverage, but early signs show a potential rebound as more buyers step off the sidelines. Sellers—proper pricing and marketing are more important than ever.

📈 Want to dive deeper into the trends and what’s ahead for the Fall market?

👉 Read the full blog:

https://www.gtahomesfinder.ca/blog/4052/%F0%9F%8F%A1+Toronto+Real+Estate+Market+Update+%E2%80%93+July+2025%3A+Signs+of+a+Rebound
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📞 DM me or call 647-289-2525 for a personalized market strategy whether you’re buying, selling, or investing!

06/17/2025

🏡 Trivia Tuesday: Mortgage Edition!

Ever wondered when mortgage insurance becomes mandatory in Canada?

Question:
Which of the following triggers mortgage insurance in Canada?

A) Down payment of 20% or more
B) Home price over $1M
C) Down payment under 20%
D) Monthly payments over $3,000

💬 Drop your guess in the comments and scroll down to see the answer! 👇

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✅ Answer: C) Down payment under 20%

Did You Know?
In Canada, buyers who put down less than 20% must get mortgage default insurance—typically through CMHC, Sagen, or Canada Guaranty. This insurance protects lenders, not buyers, and is calculated as a percentage of the mortgage amount. It’s a key part of qualifying for high-ratio mortgages, especially for first-time buyers.

💡 Thinking of buying with less than 20% down? Let’s explore your options and walk through the process together.

📲 DM me anytime or visit www.gtahomesfinder.ca to get pre-approved or schedule a free consult.