Ron Gusinjac, Realtor

03/03/2026

The start of this year has been really special.

Every home here came with a different story, different timing, and a lot of trust placed in me to help guide the process.

• After 8 months of exploring resale and new builds, one client finally found the right fit in the right community. The patience paid off. The home hit inventory and through my relationship with the builder we secured an additional $30,000 off.

• Another buyer reached out simply looking for clarity on the new build process. After breaking down contracts, timelines, and the pending GST/HST credits, they realized how important proper representation really is. Grateful they chose to move forward with me.

• One client initially considered an entry level townhome but after a few visits decided to think long term. He upgraded to a larger semi on a massive lot with upgrades throughout, a home he will not outgrow anytime soon.

• A great couple secured their first home just minutes from where they have been renting. Walkout basement. No direct rear neighbours. Backyard BBQs are going to be elite this summer.

• After a year of planning, one client wrapped up his MBA and secured his first property in the same season. Big momentum heading into the next five years.

Real estate is never just about the house.
It is about timing, strategy, and helping people make decisions they will feel confident about long after closing day.

Grateful for the trust, always.

If you are thinking about buying, building, or just want clarity on your options, I am here.

02/18/2026

Welcome to 222 Longfields Drive.
3 bedrooms
2.5 bathrooms
Finished basement
Interlocked backyard
Move-in ready

Listed at $639,900
DM me for details or a private tour.

01/02/2026

Another strong way to close out the year - two new-build homes successfully secured.
One in Orleans, one in Stittsville.

The first client upgraded from their townhome to a detached home just a few streets away for only a $100K difference. As the final release in the community, the timing couldn’t have worked out better a major lifestyle upgrade at exactly the right moment.

The second client secured a beautifully finished townhome by a reputable builder, complete with a walkout basement and no rear neighbours negotiated for over $30K below an already heavily discounted model. Knowledge, timing, and experience make a real difference. This move will also save them nearly two hours of daily commuting.

Grateful for the trust my clients place in me and excited for what’s ahead.
2026 is shaping up to be a big one.

11/26/2025

✨ Open House in Prestigious Centrepointe

55 Dalecroft Avenue, Ottawa, ON
Sunday, November 30th · 2:00 PM – 4:00 PM

A rare opportunity to own a corner townhome in one of Ottawa’s most refined and established communities. Thoughtfully designed and meticulously maintained, this residence offers both elegance and everyday comfort in a setting known for its quiet streets, mature trees, and timeless character.

Property Features:
• Corner lot with enhanced privacy and abundant natural light
• Gracious floor plan with defined living spaces and warm finishes
• Finished lower level ideal for a media lounge, home office, or guest suite
• Impressive curb appeal framed by classic brick architecture
• Steps from Centrepointe Park, the theatre, library, and premium amenities
• Highly regarded school catchment and family-friendly surroundings

Homes of this calibre are seldom available in Centrepointe — especially those offering both scale and sophistication on a coveted corner lot.

📅 Join us this Sunday for an exclusive viewing from 2:00 PM to 4:00 PM and experience firsthand what makes this property truly special.

📍 55 Dalecroft Avenue, Ottawa

Private inquiries welcome.
Reach out directly for additional details or to arrange a more personalized tour.

11/26/2025

27 homes sold this year.
Honestly, just grateful. Grateful for the people I met, the trust, and the stories behind each move.

A few moments that really stood out:

• Waiting 25 hours in line to lock in a new-build allocation… wild, but worth it. Congratulations P & H.
• After a long search and even a move to Europe Ottawa ended up being home again. So happy for M & A.
• And one of the most unique situations I’ve ever worked on: my client lived so remotely she had to take a helicopter to her local bank. With a clear plan and a lot of trust, we found her a place where she can walk to the grocery store.

Every journey was different, every family had a story, and I’m proud of how the year unfolded.

If you’re planning to buy, sell, or invest in 2026
let’s talk.

10/07/2025

Wondering about the real estate market ?
Here's my most recent blog post where I do a quite in depth dive of Ottawa real estate :

Ron G. Goes over the real estate market news, trajectory and what to do.

08/15/2025

Just Listed | Stonebridge | $988,800

4 beds – 4 baths – 2 car garage – quiet cul-de-sac – no rear neighbours

Located in the sought-after Stonebridge community, 323 Centerra Court offers the perfect blend of comfort, style, and privacy. Set on a quiet cul-de-sac with no rear neighbours, this beautifully appointed 4-bedroom, 4-bath home features an open-concept main level with 9-foot ceilings, a bright living area with gas fireplace, and a modern kitchen with stainless steel appliances, center island, and direct access to a landscaped backyard retreat.

Upstairs, the spacious primary suite includes a walk-in closet and 5-piece ensuite, while three additional bedrooms and a loft provide space for the whole family. The finished lower level boasts a large recreation room, an extra full bath, and flexibility for a home office, gym, or media room.

Enjoy a serene backyard with stone patio, gazebo, and mature greenery — perfect for entertaining. Ideally located near parks, schools, trails, and Stonebridge Golf Club, with easy access to shopping and transit.

08/14/2025

Just listed | Half moon bay | $849,9004 beds - 2.5 baths - 2 car garage - siding onto green spaceLocated in one of Barrhavens most desirable communities Half Moon Bay, this well-maintained 4-bedroom home sits on a quiet, pie-shaped lot siding onto greenspace and directly across from a school ideal for families seeking space, convenience, and a strong sense of community.The main level features 9-foot smooth ceilings, an open-concept layout, and a versatile den perfect for a home office or guest room. Upstairs offers a spacious loft with access to a private turret-style balcony, providing additional living space for work or relaxation.Large windows bring in an abundance of natural light, highlighting the homes modern finishes and functional layout. The unfinished basement with raised ceilings presents excellent potential for future customization including an in-law suite, home theatre, or recreation space.Close to parks, schools, shopping, and public transit, this is a rare opportunity to own a family-friendly home in a prime location.

Call now to connect with business.

08/14/2025

Just Listed | Stonebridge | $988,800

4 beds – 3.5 baths – 2 car garage – quiet cul-de-sac – no rear neighbours

Located in the sought-after Stonebridge community, 323 Centerra Court offers the perfect blend of comfort, style, and privacy. Set on a quiet cul-de-sac with no rear neighbours, this beautifully appointed 4-bedroom, 4-bath home features an open-concept main level with 9-foot ceilings, a bright living area with gas fireplace, and a modern kitchen with stainless steel appliances, center island, and direct access to a landscaped backyard retreat.

Upstairs, the spacious primary suite includes a walk-in closet and 5-piece ensuite, while three additional bedrooms and a loft provide space for the whole family. The finished lower level boasts a large recreation room, an extra full bath, and flexibility for a home office, gym, or media room.

Enjoy a serene backyard with stone patio, gazebo, and mature greenery — perfect for entertaining. Ideally located near parks, schools, trails, and Stonebridge Golf Club, with easy access to shopping and transit.

07/12/2025

Ottawa Real Estate Market Update – July 2025

Sales Activity

Total Residential Sales: 1,161 units (⬆️ 4.3% YoY)

Freehold Sales: 857 units (⬆️ 9.0%)

Condo Sales: 304 units (⬇️ 7.0%)

Average Prices

Overall Average Price: $714,302 (⬆️ 4.9% YoY)

Freehold Homes: $816,673 (⬆️ 4.9%)

Condos: $425,709 (⬇️ 4.6%)

Time to Sell (Days on Market)

Freeholds: 24 days (vs. 22 days last year)

Condos: 39 days (vs. 30 days last year)

Inventory & Market Conditions

Active Listings: 2,859 properties

Months of Inventory: 2.46 months (approx. 9.9 weeks)

Buyer activity remains strong in the freehold segment, with sales up 9% and prices rising 4.9% year-over-year. Condos saw a slowdown, with sales down 7% and a 4.6% dip in average price. The overall market remains a quite stable, with just 2.46 months of inventory available.

For Sellers

Inventory is climbing, and while some areas remain competitive, others offer buyers more choice. Presentation matters—homes that show well are still moving quickly. Simple updates like fresh paint, staging, and small repairs can make a big difference.

For Buyers

It’s a good time to be strategic.

Get pre-approved early, even if you’re 6–12 months out

Know your priorities—area, layout, commute, lifestyle

Start searching 3–5 months out and be flexible. Most buyers find success with homes that meet 80% of their needs

Have questions about what these trends mean for you? Let’s connect—every situation is different, and a tailored approach works best.

Feel free to read my Google reviews to hear what past clients have experienced.

Click here to send me an email.
rentaffordability
Housing Affordability Sees Meaningful Improvement

RBC reports that homeownership is now the most affordable it’s been in three years. In Q1 2025, the share of income needed to cover housing costs dropped to 55.1%, down from 60.7% a year earlier. Lower interest rates, slight price adjustments, and steady income growth are driving the improvement.

Affordability gains were strongest in major markets like Toronto and Vancouver, though these cities remain the least affordable overall. Mid-sized cities such as Ottawa, Calgary, and Edmonton also saw encouraging progress. Condos, in particular, have become more attainable—especially in markets like Toronto, Regina, and Saskatoon—where affordability has returned close to pre-pandemic levels. While conditions are improving, affordability still remains well below where it stood before 2020.

I've been doing lot's of calculations with people looking to purchase and comparing what it would look like in their financial picture.

To read the full article: https://www.rbc.com/en/thought-leadership/economics/canadianhousing/housing-affordability/owning-a-home-in-canada-is-the-most-affordable-its-been-in-three-years/

Mortgage talk

Construction mortgages are a fantastic option for those who want full control over design, layout, and materials—but they’re very different from traditional mortgages and can be overwhelming without the right support.

Here’s what sets construction mortgages apart:
Rates are higher than a traditional mortgage & the lender often has a fee that is a % of the loan amount.
Funds are advanced in stages (draws) as the home progresses
Typically, a 1-year term that we then convert into a traditional mortgage after completion
Requires larger down payments or cash positions to get started (20–35%)
Lenders require detailed plans/costs
Builder’s risk insurance and legal holdbacks are mandatory
Our team specializes in construction financing and works closely with both banks and alternative lenders to find the right fit for each client’s needs. We’ll walk your buyers through the process and ensure there are no surprises along the way.
If you're working with anyone considering building their dream home, feel free to connect us—we’re here to help.
Have a great weekend!
Any rate changes have been highlighted below.
Some of the top rates that we are seeing today are:
Fixed
3-Year Fixed: 4.09% (less than 20% down payment) 4-Year Fixed: 4.19% (less than 20% down payment) 5-Year Fixed: 4.14% (less than 20% down payment) 5-Year Fixed: 4.34% (20% down payment or more)
5-Year Fixed: 4.14% (35% down payment or more)
Variable
5-Year Variable: 4.20% (less than 20% down payment) 5-Year Variable: 4.30% (20% down payment or more) 5-Year Variable: 4.45% (35% down payment or more)

Interest rate cuts, easing home prices and income gains contributed to lower RBC's aggregate affordability measure in Q1.

05/13/2025

Ottawa Market Report - May - https://rongusinjac.ca/post/market-report-April-2025

Ottawa Real Estate – April 2025 Snapshot

Total Sales: 1,000 homes sold (↓15.1% YoY)
• 693 Freeholds (↓17.5%)
• 307 Condos (↓9.2%)
Average Prices:
• Overall: $695,625 (↓1.9%)
• Freeholds: $805,934 (↓1.3%)
• Condos: $446,622 (↑1.1%)
Days on Market:
• Freeholds: 23 days (vs. 21 last year)
• Condos: 33 days (vs. 31 last year)
The Market was a bit slower last month than expected. Due to the trade war + Elections many people decided to wait on the sideline, to get more clarity on the future of Canada. With that being said I've definitely noticed an uptick since the election of calls and conversations.

At an Open house I visited with a few of my clients, there were 6 other groups in the home with us. Additionally the host said she'd had over 20 groups. All that said I think May will be a bit of a turning point for transactions. As for prices, I believe we will remain relatively steady overall as inventory is keeping up and we're at an approximate 2-1 sale to list ratio.

New builds seem to be the hot market as of late, Accounting for a large portion of my business I've been noticing developments and availability selling out much quicker than last year. It seems the general public is really shifting towards a mentality of wanting low maintenance homes. < note to sellers.

I wanted to change the format of this newsletter where I write some of my thoughts in a very hyper local scheme and in the second portion go into broader picture.

NOTE: We are now officially at the largest drop from the peak of a real estate market in history. < I found this to be very interesting as I do genuinely believe prices have corrected to a much better place then before but dont think they'll be dropping any time soon in Ottawa. But reading that kind of confirms it.

Sellers:
Get your home on the market these next few weeks. This will likely be the best time to get the most amount of money for your home although there is also more competition, meaning you have to be on your game with pricing, marketing and presentation.

Buyers:
I said it a million times and I will say it again. Pre approve and be active. With more buyers starting to enter the market, there will be more competition in the month ahead. New builds right now seem to offer some compelling opportunities to those that have the time to wait.

If you want to understand what’s going on in our market and how it applies to you, I encourage you to read my past newsletters or reach out. I’m always happy to chat strategy.

Click here to send me an email.
rent
Are We Trading a Housing Bubble for a Rental One?

As home sales slow and economic uncertainty lingers, Canada’s rental market is now under pressure—especially for tenants.

Rental Prices Continue to Climb

In March 2025, average apartment rents across Canada rose 1.5% to $2,119/month. Purpose-built rentals—once the more affordable option—have jumped 35.5% since 2020. The price gap between those units and condos has nearly disappeared, with just a $33 difference nationally.

Smaller Cities Catching Up

While cities like Toronto and Vancouver are seeing minor rent declines, markets in smaller cities—like Halifax—are heating up fast. The rent gap between major and mid-sized markets is shrinking, which could reshape affordability across the country.

Policy Push Backfires?

Government efforts to attract institutional investors into rental construction haven't improved affordability. In fact, many of these initiatives have primarily driven investor profits rather than tenant relief.

Ottawa Outlook

Locally, Ottawa renters are expected to feel the same pressure: rising rents, tight supply, and limited relief in sight. While this may strengthen the case for rental investment, it presents ongoing challenges for affordability and tenant retention.

Mortgage talk

Some of the top rates that we are seeing today are:

Mortgage talk

Some of the top rates that we are seeing today are:

Fixed

Some of the top rates that we are seeing today are:

Fixed
3-Year Fixed: 3.79% (less than 20% down payment)
4-Year Fixed: 4.34% (less than 20% down payment)
5-Year Fixed: 3.89% (less than 20% down payment)
5-Year Fixed: 4.09% (20% down payment or more)
5-Year Fixed: 3.94% (35% down payment or more)
Variable
5-Year Variable: 4.20% (less than 20% down payment)
5-Year Variable: 4.30% (20% down payment or more)
5-Year Variable: 4.20% (35% down payment or more)
Mortgage Market Update – May 2025
Short-term pressure, long-term decisions
“We’ve seen a steady worsening for a while now,” says Ron Butler of Butler Mortgage, as both fixed and variable rates continue creeping higher due to growing economic uncertainty.

Rate Trends

High-ratio 5-year fixed rates recently rose by 10–20 basis points, climbing from 3.64% earlier this month.
Variable rates are also edging higher—not because the Bank of Canada raised rates, but because lenders are shrinking their discounts off prime (currently 4.95%). CIBC and Scotiabank, for example, have pulled back 10–15 basis points.
Why? It’s not just about swap costs or hedging. Butler explains:

“There’s just enough uncertainty. The big banks want to cover their bets in case there’s a sudden rate move.”

Variable Still Has Long-Term Potential

Despite narrowing discounts, variable rates could still win out over time.
Expert Dave Larock notes that while fixed rates are cheaper today, variable may end up being more cost-effective—especially if the Bank of Canada cuts rates more aggressively later this year due to recession risks.

“If a fluctuating mortgage rate won’t put you under financial pressure… I think the variable rate will likely prove to be the cheapest option.”

Strategy for Borrowers

Lock in sub-4% fixed rates now, if you can. “That’s a great idea,” says Butler—especially if you plan to stay in the home for 3–5+ years.
Go variable if you expect to sell or refinance soon. Variable rates come with much lower penalties, making them ideal for short-term flexibility.
Read in more detail here : https://www.canadianmortgagetrends.com/2025/05/fixed-rates-are-creeping-up-and-variable-rate-discounts-are-shrinking-too/