Mai Ly - Realtor

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🏦 Bank of Canada Rate Hold: What It Means for Your 2026 Game PlanThe Bank of Canada has held its key rate at 2.25%, keep...
01/28/2026

🏦 Bank of Canada Rate Hold: What It Means for Your 2026 Game Plan

The Bank of Canada has held its key rate at 2.25%, keeping borrowing costs steady as inflation stays close to the 2% target.

With many economists expecting rates to remain on hold through 2026, this “wait-and-see” approach creates a more stable environment for buyers, sellers, and investors.

✔️ Variable-rate borrowers: No sudden payment shocks—for now
✔️ Buyers & sellers: More confidence, clearer planning, and time to make smart, intentional moves.

If you’re thinking about making a move, now is a strategic time to review your options and build a plan for early 2026 and beyond.

As a local GTA realtor, I help clients break down the numbers, understand how today’s rate environment impacts buying power, and create a personalized strategy—whether you’re buying, selling, or investing.

📩 Let’s build your 2026 real estate game plan.

In any market, preparation gives buyers the edge.Whether prices are shifting or inventory is rising, getting pre-approve...
01/16/2026

In any market, preparation gives buyers the edge.

Whether prices are shifting or inventory is rising, getting pre-approved helps define your budget, lock in a rate, and strengthen your offer when the right home comes along.

This 5-step guide breaks down exactly what you need and how to get started with confidence.

Planning to buy in the next few months? Start here.
Save this post or tag someone getting ready to take the next step 👇
MortgagePreApproval BuyingInTheGTA RealEstateTips

May today be filled with the simple things that bring quiet joy—familiar faces, warm moments, and cherished traditions.W...
12/25/2025

May today be filled with the simple things that bring quiet joy—familiar faces, warm moments, and cherished traditions.
Wishing you a very Merry Christmas
🎄

🏡 October 2025 GTA Market UpdateFall has officially arrived 🍂 — and with it, a shift in the GTA real estate market.The l...
11/08/2025

🏡 October 2025 GTA Market Update

Fall has officially arrived 🍂 — and with it, a shift in the GTA real estate market.

The latest stats from TRREB show a market that continues to favour homebuyers:
📉 Sales: 6,138 (↓ 9.5% YoY)
💰 Average Price: $1,054,372 (↓ 7.2% YoY)
📈 Active Listings: 27,808 (↑ 17.2%)
📊 Months of Inventory: 4.5 — signaling a more balanced market

Lower home prices, improved affordability, and recent Bank of Canada rate adjustments are motivating more buyers to step back into the market.

🏗️ On the new construction side, Ontario’s proposed HST rebate could save first-time homebuyers up to $80,000 on new builds under $1M — a major boost for affordability.

As we move deeper into the fall market, conditions are aligning in buyers’ favour: more choice, softer prices, and better borrowing opportunities.

Whether you’re planning to buy, sell, or just stay informed, I’m here to guide you with clarity and confidence every step of the way.

📲 DM me to chat about your next move — or to get a personalized update for your neighbourhood!

Let’s go, Blue Jays! 💙⚾️Cheering on the Jays as they sit just one win away from taking it all — proving once again that ...
10/30/2025

Let’s go, Blue Jays! 💙⚾️
Cheering on the Jays as they sit just one win away from taking it all — proving once again that when this city shows up, it shows up strong.

Toronto runs on hustle, resilience, and heart — and that’s exactly what it takes to bring it home.

Go Blue Jays! Let’s finish this! 🔥🇨🇦

Another rate cut is here — and while it won’t shift the market overnight, it does signal growing support for affordabili...
10/29/2025

Another rate cut is here — and while it won’t shift the market overnight, it does signal growing support for affordability and economic stability.

As borrowing costs ease, confidence tends to return, bringing more buyers into the mix and more opportunities for those ready to make a move.

The real question now: how will you position yourself if momentum starts to build?

Whether you’re buying, selling, renewing, or simply staying informed, understanding how rate changes affect your goals is key. Let’s take a look at how today’s decision impacts you.

2022 set some record highs 🏠💰 — but those numbers were inflated and don’t reflect today’s steady, realistic market. 🌟For...
10/15/2025

2022 set some record highs 🏠💰 — but those numbers were inflated and don’t reflect today’s steady, realistic market. 🌟

For sellers, seeing today’s values can feel like a shift , but it doesn’t mean missed opportunities! With the right strategy 📊, smart pricing 💡, and expert guidance 🗝️, homes are still selling strong.

👉 Swipe through to see what’s really happening, why pricing matters, and how to make your next move a confident one.

🍂 Fall Real Estate Update – Greater Toronto Area 🍂September brought some exciting shifts in the GTA housing market:🏡 Hom...
10/07/2025

🍂 Fall Real Estate Update – Greater Toronto Area 🍂

September brought some exciting shifts in the GTA housing market:

🏡 Home Sales: 5,592 (+8.5% YoY)
💰 Average Price: $1,059,377 (-4.7% YoY)
📈 Listings: Up 18.9% – more choices for buyers!

🏢 Condo Sales: +9.5% YoY

The Bank of Canada’s recent rate cut means lower monthly mortgage payments, making homes more affordable for buyers.

TRREB’s Jason Mercer notes: “A couple more rate cuts could bring payments in line with incomes, boosting sales and economic activity.”

More sales → potential price growth → now could be the time for buyers to act!

📲 Have questions about the market or thinking of buying/selling? DM me anytime!

🚨 Bank of Canada Rate Cut Alert 🚨The Bank of Canada has lowered its overnight rate to 2.5%, citing slower economic growt...
09/18/2025

🚨 Bank of Canada Rate Cut Alert 🚨

The Bank of Canada has lowered its overnight rate to 2.5%, citing slower economic growth, rising unemployment, and stable inflation.

For many buyers, this could be the turning point—a chance for improved affordability and renewed confidence in the housing market.

📅 The next rate announcement is on October 29, 2025.
🔔 Turn on post notifications to stay updated on how every rate shift shapes the real estate market.

☀️ Summer may be wrapping up and kids are back in school, but the GTA real estate market is full of new opportunities!📊 ...
09/05/2025

☀️ Summer may be wrapping up and kids are back in school, but the GTA real estate market is full of new opportunities!

📊 August 2025 Market Highlights (TRREB):
✨ 5,211 sales — up 2.3% from last year
✨ 27,495 new listings — up 22.4% → more homes to choose from!
✨ Avg. price: $1,022,143 — giving buyers more negotiating power
✨ 5+ months of inventory → plenty of options in today’s market

🏙 Condos continue to be active, with 1,400–1,500 sales/month. With so many new completions, buyers have more choice than ever—at even better values.

💡 What does this mean? It’s a fantastic time for buyers to explore the market and find the right fit, while sellers can still benefit by standing out with the right strategy.

Whether you’re thinking about buying, selling, or investing—I’m here to help you take advantage of today’s opportunities.

📩 DM me anytime—I’d love to connect!

💡 Think you need 20% down to buy a home? Think again.With lower down payment options available, homeownership may be clo...
08/19/2025

💡 Think you need 20% down to buy a home? Think again.

With lower down payment options available, homeownership may be closer than you think. 🏡✨

The right guidance can help you explore the programs and options that best fit your budget and long-term goals. Let’s make your path to homeownership clear.

Address

30 Eglinton Avenue W
Mississauga, ON
L5R3E7

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