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Harjit Minhas

Name: Harjit Minhas
Address: 480 Eglinton Avenue W. , Unit #30, Mississauga, ON, L5R0G2, CA
Telephone: +14168395020

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Mississauga, ON
Harjit Minhas

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

10/28/2026

The Bank of Canada just raised rates to 2.5%. First hike in three years.

The reason is oil. The war in the Middle East pushed gas prices up, and inflation has sat around 3% since April.

Here's my problem. A rate hike in Ottawa doesn't refine one more barrel of oil. It doesn't change what you pay at the pump. What it does change is the cost of every mortgage renewal and business loan in this country, in an economy already absorbing new U.S. tariffs.

The Bank's answer is that it isn't targeting gas prices. It's trying to stop energy costs from spreading into everything else. That risk is real. I just think hiking into a slowing economy is the wrong trade, and some economists called this premature with core inflation still subdued.

If you have a renewal coming in the next 12 to 18 months, stress-test it now. The Bank says more hikes may be needed.

Hike, hold, or cut. What would you have done?

Opinion only. Not financial or investment advice.

10/27/2026

Hamilton and Kitchener-Waterloo are next-door markets moving in opposite directions. Yardi's Q2 data has KW new-lease rents down 4.5%, the weakest in Canada, while Hamilton's are up 1.3%.

Hamilton's overall vacancy is 5.2%, above the national average. But bachelor vacancy is 14% while two-bedrooms sit at 3.7% with new leases up 2.2%.

The headline vacancy number hides the story. Unit mix is the underwriting.

Source: Yardi Canadian National Multifamily Report, Q3 2026 (data as of Q2 2026), Paul Fiorilla

10/23/2026

🏡✨ OPEN HOUSE THIS WEEKEND! ✨🏡

📅 Saturday & Sunday, October 24-25, 2026
⏰ 1:30 PM to 4:00 PM
📍 1348 Copley Crt, Milton

🛏️ 4 Bed | 🚿 3 Bath | 📐 1,500-2,000 sq ft | 💰 $1,050,000

✨ HIGHLIGHTS:
🏠 Brand new 2025 build
🪟 Open-concept layout with gas fireplace
👨‍🍳 Gourmet kitchen with centre island
🛁 Primary ensuite with walk-in closet
🌿 Corner lot with stunning pond views
🚗 3 parking spaces

📍 Minutes to top schools, highways, shopping and dining

See you there! 📲 416-839-5020

10/20/2026

Small-scale infill went from 0.62% of Toronto's housing starts in 2023 to 6.45% in 2025, per CMHC.

Zoning reforms and conversions of existing homes are part of the story. But it's a share of a small base, and CMHC says Ontario's uptake has been slower.

The bigger infill category is still nine units or more, at 63% of national starts.

Source: CMHC analysis, as reported by Storeys (Zakiya Kassam), Sep. 24, 2026

10/19/2026

Canada's September CPI came in at 3.1%, versus 3.2% expected and 3.0% in August. Gasoline is up 27.8% year over year, and inflation excluding gasoline was 2.2%.

Core measures were a tick below forecast, with CPI-trim at 1.8% and CPI-median at 1.9%. Rent rose 0.5% on the month, leaving the annual rate at 2.8%, which CIBC called "surprisingly firm."

The Bank of Canada decides October 28, with CIBC seeing little rush to hike and Governor Macklem saying the Bank is prepared to raise rates if necessary.

Source: Statistics Canada CPI (Sep. 2026), as reported by CIBC Economics (Andrew Grantham) and The Canadian Press, Oct. 19, 2026

10/18/2026

🏠✨ NOW AVAILABLE FOR LEASE! ✨🏠

A legal, newly built 2-bedroom basement apartment on Herdwick St, Brampton! 🌟

🛏️ 2 Bedrooms
🚿 1 Bathroom
📐 Under 700 sq ft
💰 $1,700/month
📍 Airport Rd and Bovaird Dr, Brampton

✨ HIGHLIGHTS:
🚪 Private entrance, just for you
🪟 Large windows, bright and airy
🧺 In-unit laundry included
🚗 1 parking space included
❄️ Central air conditioning included
🏠 Carpet free throughout
🍽️ Stove, fridge, washer and dryer included

📍 LOVE THE NEIGHBOURHOOD:
🛣️ Quick access to Highways 410, 407 and 427
🏫 Close to schools and parks
🛒 Grocery stores and restaurants nearby
🚌 Public transit within easy reach

📅 Available November 1, 2026

Call or text 📲 416-839-5020

10/15/2026

Developer-held condo inventory hit a record 5,001 units, up 68% year over year, and bulk buyers are stepping in.

High Art Capital is targeting at least $1.3B to convert condo blocks into rentals, with up to $300M in mezzanine debt committed by Building Ontario Fund. The trade-off is that 30% of the units are tagged affordable for life.

The 30%+ discount is one lawyer's estimate, not a reported average. How these scattered units get managed, and what happens to warranty coverage on resale, is where the risk sits.

Source: RENX, Steve McLean, "Inside the bulk condo buying boom in Canada's largest markets," Sep. 8, 2026

10/08/2026

🍂 September in the GTA housing market: buyers took a breather.

Here's what the numbers showed 👇

🏡 5,040 homes sold, down 9 per cent from last year
💰 Average price $1,006,409, down 5.1 per cent
📋 New listings down 14.4 per cent
🏢 905 region condos averaging $533,654, down 12 per cent

What does that mean? Buyers have more time and more room to negotiate. Sellers face less competition, as long as the price is right. 🙌

TRREB says plenty of families are ready to buy once they feel confident. Getting prepared now puts you ahead of the crowd.

📖 Full breakdown on my blog: https://www.findhomecanada.ca/gta-real-estate-market-update-september-2026/

Questions about your situation? Send me a message or call 416-839-5020.

09/28/2026

A huge Ontario financing window closes Wednesday (September 30th).

Until September 30th, CMHC's MLI Select lets projects qualify under the OLD energy standards or the new 2020 NECB rules. After Wednesday: the tougher new code only. Fewer points. Smaller discounts.

The math is real. 70 points unlocks 45-year amortization. 100 points gets 50 years plus a 30% premium discount. A Grimsby developer just closed a 90-unit purpose-built rental at 95% loan-to-cost.

Everyone complains about rates. The developers cashing in aren't complaining.

For the full playbook — source, underwrite, capitalize, manage, exit, learn — go to heyaddy.com

09/25/2026

That viral reel promising $7,500 a month in cash flow? The math is fake.

$1.1 million building. 20% down. $11,000 in rent. And somehow only $3,500 in expenses — mortgage, taxes, insurance, everything.

Do the math. It doesn't survive contact with reality.

No vacancy allowance. No maintenance. No management fees. No CapEx reserve. No land transfer tax. And this is Ontario — the 2026 rent guideline is 2.1%. Your costs aren't capped. Your income is.

The reel isn't underwriting. It's a funnel. You're not being shown a deal — you're being sold one.

Real cash flow survives a spreadsheet. It survives a bad tenant, a dead boiler, and a rate hold.

Here's my rule: if the numbers only work in the video, walk away.

Want deals analyzed with real math, not reel math? Go to bfsto.com. Every number verified. No fairy tales.

Address

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

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm
Saturday	9am - 7pm

Telephone

+14168395020

Website

http://www.findhomecanada.ca/

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