Harjit Minhas

Harjit Minhas I help first-time home buyers find the pride and joy of homeownership in the GTA.

🏡 GTA Market Update, July 2026📊 Home sales: nearly flat, down just 0.9% from last year 📋 New listings: down almost 18% 💰...
08/10/2026

🏡 GTA Market Update, July 2026

📊 Home sales: nearly flat, down just 0.9% from last year 📋 New listings: down almost 18% 💰 Average price: $1,003,956 (down 4.5%, but the drop keeps shrinking)

Translation: fewer homes are coming to market, which means less to choose from and less room to negotiate for buyers.

Full breakdown, including how prices moved by home type, here 👉 findhomecanada.ca/gta-real-estate-market-update-july-2026

Curious how this affects your plans? Send me a message any time.

08/01/2026

84% of Ontario LTB tenancy cases this year were filed by landlords, not tenants. Before drawing a conclusion from that number, it's worth understanding the structure behind it.

Arrears and hold-over applications are procedurally landlord-initiated by design — a tenant doesn't file to evict themselves. So the number partly reflects how the system is built, not necessarily who's "in the right" more often.

It's also fair to ask whether tenants are underusing the remedies available to them — repair orders, harassment complaints, illegal fee disputes. Both readings deserve airtime.

07/31/2026

Nearly 6 in 10 landlord applications to Ontario's LTB this year weren't about damage, harassment, or bad behaviour. They were L1 filings — unpaid rent. 20,162 of 34,422 landlord applications, 58.6%.

For investors, that's the real underwriting signal: arrears exposure isn't the exception in a multifamily portfolio, it's the base case you build reserves around.

Not advice — just the caseload, Smarties.

07/31/2026

Ontario's LTB issued 40,844 orders between January and May 2026 — and 6,523 of them, almost 1 in 6, were ex parte. Decided without either side in the room.

That's not automatically a red flag. Sometimes it's a no-show, sometimes an unopposed filing. But it's worth knowing how often the system rules without a hearing.

Worth watching for anyone navigating the LTB from either side of the table, Smarties.

07/27/2026

LTB Orders Now Public. Here's What It Means For Your Underwriting.

The Landlord and Tenant Board just released a major transparency upgrade: all final LTB orders are now accessible on the Ontario government's Open Data Catalogue.

Starting July 24, 2026

This means you can now see:
Every eviction decision and the grounds used
Tenant defense strategies that worked (or failed)
Damage award patterns
Adjudicator decision-making trends

Initial release covers January 2026 through May 2026. Historical orders dating back to 2021 will be added incrementally.

For investors, this is intelligence. Real data on what actually succeeds in front of the LTB. Better tenant quality underwriting. More predictable regulatory environment.

This is regulatory modernization. Transparency at scale.

07/20/2026

Good news for borrowers: mortgage renewal shock averted. BoC stays on hold.

Bad news for investors: rent inflation is stuck at 3.5%. Unchanged month-over-month.

Shelter price growth (1.6%) is the slowest of any CPI category, suggesting housing supply is catching up to demand.

Translation: Household demand is solid. But you’re not getting pricing power on rents.

That changes your underwriting lens. BoC on hold means rates won’t move. Rents won’t accelerate. Cap rates compress.

Borrower relief ≠ investor upside.

🏡✨ OPEN HOUSE THIS SUNDAY! ✨🏡Step into one of Erin's most recognizable addresses, a charming home with all the modern u...
07/10/2026

🏡✨ OPEN HOUSE THIS SUNDAY! ✨🏡
Step into one of Erin's most recognizable addresses, a charming home with all the modern updates!
📍 245 Main Street, Erin ON N0B 1T0
📅 Sunday, June 12, 2026
🕑 2:00 PM to 4:00 PM
🛏️ 4 Bedrooms
🚿 2 Washrooms
📐 1,500 to 2,000 sq ft
🌳 Sitting on an 8,288 sq ft corner lot
✨ Newly updated kitchen with stainless steel appliances
🔥 Cozy fireplace in the living room
🪵 Beautiful wood floors throughout
🌿 Stunning landscaped yard with mature trees, raised garden beds, vegetable beds, and stepping stone paths
🏡 Fenced yard with privacy and security gate
🚗 Private double drive
📍 Walking distance to shops, cafes, schools, and all village amenities. Just 45 minutes northwest of Brampton!
A landscape that took years to build. A home full of character and warmth. This one is truly special.
Come visit us at the open house Sunday from 2:00 to 4:00 PM.
Can't make it? Book a private showing or call for more information at 416-839-5020. See you there! 👋

🏡 GTA Market Update, June 2026📈 Home sales up 9.4% from last year📉 New listings down almost 13%💰 Average price: $1,058,6...
07/10/2026

🏡 GTA Market Update, June 2026

📈 Home sales up 9.4% from last year
📉 New listings down almost 13%
💰 Average price: $1,058,658 (down 3.9%, but the drop is shrinking)
⏳ Days on market stay steady.

Buyers have a bit more room to negotiate, and sellers are seeing real momentum build back.

Full breakdown with the numbers by home type here 👉 findhomecanada.ca/gta-real-estate-market-update-june-2026

Questions about your own move? Send me a message, I'm happy to chat.

07/10/2026

"Rents rose three months in a row" and "rents have fallen for 21 straight months" sound like they can't both be true. They are — and understanding why is a genuinely useful skill for reading any market report.

Month-over-month tracks the most recent trend. Year-over-year compares to twelve months ago. Rents crashed hard through 2024 into 2025 — so even as monthly numbers improve now, the annual comparison is still catching up to a much higher starting point from a year back.

The number to watch: Toronto's annual rent decline has narrowed to just 1.9%, per Rentals.ca/Urbanation — the smallest gap in this entire 29-month stretch. If monthly gains keep compounding, that flips positive. That's what a market bottom looks like in the data before it's obvious anywhere else.

Full breakdown on this week's Smart Real Estate, free at learninvestmanage.com.

07/10/2026

June's Ontario multifamily numbers look strong on the surface — 64 registered deals, $322.4 million in consideration. But the two largest trades were seniors/retirement housing acquisitions, priced on care revenue, not apartment rents, and a third was a 50% joint-venture recapitalization, not an open-market sale.

Strip those three out and the real signal is the steady middle: 45 deals in the $500K–$6M range, typical price around $1.9 million, with activity reaching well beyond the GTA into Thunder Bay, Sudbury, North Bay, and Sault Ste Marie.

Financing split cleanly too — insured-style money in the mid-3% range for stabilized buildings that qualify, meaningfully higher for anything leaning on bridge or private capital.

Full breakdown on this week's Smart Real Estate, free at learninvestmanage.com.

Address

480 Eglinton Avenue W. , Unit #30
Mississauga, ON
L5R0G2

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Thursday 9am - 7pm
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