Rosenberg Homes

03/27/2026

https://news.ontario.ca/en/release/1007212/ontario-expanding-hst-rebate-to-lower-the-cost-of-new-homes-in-partnership-with-the-federal-government

Ontario Expanding HST Rebate to Lower the Cost of New Homes in Partnership with the Federal Government | Ontario Newsroom

03/26/2026

JUST LISTED!!
260 Heath Street West, Unit 404
$979,000
Welcome to The Village Terraces at 260 Heath Street West! Step into the timeless elegance of Forest Hill with this rare opportunity - a spacious 2-bed, 2-bath, 1240 square foot suite brimming with potential. Set within one of Toronto's most prestigious and established neighbourhoods, suite 404 offers a generous layout that's increasingly hard to find. Large living and dining areas provide a perfect canvas to create a modern space tailored to your tastes. Large windows throughout invite in nurturing natural light while a functional floor plan ensures both comfort and privacy. Suite 404 presents a unique chance to customize every detail; whether you're dreaming of a sleek contemporary kitchen or elevated finishes throughout, the possibilities are endless.
While suite 404 could benefit from updating and modernization, it is move-in ready as is! The living/dining rooms offer floor-to-ceiling windows with a walk-out to a 115 square foot balcony, great for your morning coffee moment or a relaxing summer evening meal. Or enjoy your time in the eat-in kitchen. The outdoor pool is a summer's delight, and invite your loved ones to dine in the private, treed, outdoor BBQ area.
Includes tons of visitor parking, and a basement laundry room for oversized loads! All utilities are included in the maintenance fee! Well-managed by the board, managers, and 24-hour security team, you can be confident that you're living in a safe and secure community environment.
Located just steps from the shops and cafes of Forest Hill Village, top-rated schools, Cedarvale Ravine & Park, and the TTC's St. Clair W subway station, the lifestyle here is second to none. Enjoy the charm, exclusivity, and community feel that make Forest Hill South one of Toronto's most coveted addresses.
Whether you're a first-time buyer, a down-sizer ready for your next home, or an investor looking to add value in a prime location, this is an opportunity not to be missed!

Offers welcome at any time!
Reach out anytime with inquiries!

03/18/2026

https://www.bankofcanada.ca/2026/03/fad-press-release-2026-03-18/

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.

03/11/2026

The February 2026 Market Stats are in.
That didn't take long. After the average sold price dipped under the $1M mark in January, the market responded in kind and pushed that number back above the $1M mark in February. No doubt buyers saw an opportunity and jumped, thus causing the momentum of increased market activity.
Make no mistake, we are still in a buyer's market. In February, the Sales-To New-Listings-Ratio (SNLR) was at 36.1% in Toronto, and we are sitting at 5 months of inventory. Even with the increased activity, there is still ample opportunity for buyers at this time. Active listings remained elevated at 19,314, sustaining buyer leverage across the market.
Homes are still taking some time to sell with the average days on market now sitting at 36, a 33.3% increase from this time last year. On average, homes are selling at 97% of the list price, showing that buyers are using their leverage during negotiations. 79% of transactions occurred under the $1.25M mark, considered to be the mid-market price range. And price declines occurred in all segments of the market, from detached to condominium.
The market is in transition, inventory is high, causing sellers to adapt their pricing intentions. Remember, well priced/positioned homes are selling and some are selling quite quickly. Listings are seeing crowded open houses showing that buyers are hungry and are willing to pull the trigger today. Sellers who understand today's market conditions are a step ahead of the rest of the selling market and are seeing results.
As always, there is a lot going on and it's hard to keep up with the constant barrage of information. Understanding clearly the data of your neighbourhood(s) of interest is paramount to making the right decisions for your family. If you have questions about selling, buying or investing, contact me today to discuss your situation. And your referrals are always appreciated!

Have a great March!!

02/11/2026

The January 2026 Market Stats are in.

I hope everybody has had a great start to 2026! Although January brought us a polar vortex and record snowfall (!), we in Toronto are resilient and it looks like we are making the best what winter brings our way.
In GTA real estate, we very well could be at a turning point. Toronto residents are navigating an evolving market with changing interest rates, shrinking immigration numbers, and improved affordability in the home-ownership and rental markets; and an economy with evolving trading partners and increasing grocery prices. The outlook for the housing market in 2026 is that GTA home sales will be in the 60,000-70,000 range, and the average sale price for all home types will be in the $1M-$1.03M range.
In January, year-over-year sales are down -19.3%, new listings are down -13.3%, and the average sale price for all home types in the GTA dipped below the $1M mark for the first time since January 2021! It seems like these statistics are the new normal. The good news is that Toronto area properties are becoming more and more affordable for those buyers wishing to get into the market and for those who wish to maneuver into a more conducive living situation than the one they are in currently.
Sellers, upon listing your home for sale, the best strategy for a quick sale, as always, is to price your property right the first time it hits the market. What is right? With my help, we will evaluate the most recent sales of comparable properties to yours in your area and understand their differences with your home. A keen evaluation is key to establishing the correct list price. Price too high in this market and you may risk alienating potential buyers who want to buy now. Buyers want to know that you understand current market trends and want to see the possibility that you will be a reasonable competitor in a negotiation. Remember, a good deal happens when both parties are required to compromise and make concessions.
Pundits are anticipating that buyer-friendly conditions will persist throughout the first half of 2026. The key factors influencing today's market are: elevated inventory providing buyers with more choice and negotiating power; buyer caution due to economic uncertainty, trade concerns and a cooling labour market; investor pullback where softening rents have led to many investors leaving or trying to leave the market (especially in the condo sector). Toronto is teetering on entering a buyer's market as supply has increased to approximately 5.8 months as of early February (over 6 months of inventory is considered a buyer's market).
On January 28, the Bank Of Canada again held the key interest rate at 2.25%. Inflation was 2.1% in 2025, and the Bank expects inflation to stay close to the 2% target over the next projection period. The next policy rate announcement is on March 18.
Buyers, if you are ready to buy, now is a great time to begin the process. That is, first you must know what you can afford. Start with a conversation with your bank mortgage specialist or a private mortgage broker. They will evaluate your current financial situation to help steer you down the right affordability path. Next, speak to me :) I will help you to research and evaluate all currently listed properties and all recent area comparable sales to help you make the perfect decision for your next chapter. Then, I will help you construct the perfect offer and strongly defend your position to make sure you are well represented in the contract negotiation.
There is currently a lot of pent-up demand for homes right now. Buyer are out there and looking to buy! Open houses are busier than the recent usual and, despite the average days-on-market statistics, some properties are selling in very short periods of time. Buyers are always active in Toronto.
There is much to discuss these days in the Toronto real estate market and it's impossible to cover everything in this short letter. If you have more questions about when you should sell, buy or invest, contact me today to discuss your situation. 2026 promises to be an active year!

Have a great February!!

02/01/2026

https://sherrycooper.com/articles/bank-of-canada-holds-overnight-rate-steady-at-2-25-2/

Today, the Bank of Canada once again held the policy rate steady at 2.25%. This is the bottom of the Bank’s estimate of the neutral overnight rate, where monetary policy is neither expansionary nor contractionary. With inflation hovering just above 2% and core inflation falling to 2.5%, the Govern...

12/10/2025

The November 2025 Market Stats are in.
A decent month of sales for Toronto area realtors as 5,010 homes sold through the MLS system. With a listing inventory of about 25,000 homes, buyers have a fairly decent variety to scrutinize before they buy. This also means that 4 out of 5 homes are not selling!
The Toronto Real Estate Board reported an average selling price in November of $1,039,458. If one looks at the year-to-date average price in the GTA (January - November 30) it is $1,071,757, representing a difference of +4.3% from the start of 2025. Toronto prices have held up well despite affordability issues and concerns over trade with the US, a testimony to people’s desire for home ownership. With an encouraging November jobs report and news on the broader Canadian economy, it's very possible that a collective buyer optimism will begin to reveal itself in the new year.
As I've been saying for a while now, it's a good time to be a buyer. Toronto is currently in a market that favours the buyer as there is approximately 5 months of inventory at present. That said, the freehold market (excluding condos) is at approximately 4.3 months of inventory, signifying that we are in a more balanced market that just slightly favours the buyer. (A typical seller's market has 1 to 3 months of inventory and a buyer’s market is between 4 to 6 months). The market continues to offer more choice with less competition providing buyers more power in a purchase negotiation.
In 2025, the policy interest rate has dropped a full point. During today's announcement, the Bank Of Canada just held the rate at 2.25%, as unemployment is now at the lowest it has been since July 2024.
All that said, many people have the gnawing instinct to wait for what they hope is the market bottom before they make a move, and it's very possible that they will miss it and end up buying as market activity (competition) and prices increase. And when there is a sense that prices are going up, there tends to be a rush to buy creating the possibility of encountering more multiple offer situations.
As mentioned, 4 out of 5 houses are NOT selling! Many realtors simply put their sign on a lawn, post the listing on the MLS, and wait for the product to sell itself. That may have worked when there were 5 buyers for every home but, in order to sell a property today, a dedicated realtor is required; one who understands marketing, follow-up, and negotiation, and has the support and marketing power of a large world-wide company like RE/MAX beside them. Did you know that over 25% of the homes in the GTA are sold by RE/MAX?!
If buying and/or selling real estate is a plan of yours for 2026, or if you simply want a professional opinion of what is currently happening in your neighbourhood, please don’t hesitate to reach out. Now is a great time to get educated and I am here to help. And if you know anyone who would benefit from speaking with me, I would truly appreciate your referral!
Have a great December, and all the best for a wonderful holiday season!!

12/10/2025

https://www.bankofcanada.ca/2025/12/fad-press-release-2025-12-10/

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.

11/12/2025

The October 2025 Market Stats are in.
As the year approaches it's end, the question I'm frequently asked is, "Should I list my property for sale now, or wait until the new year? And if I wait, should I wait for the Spring market or list earlier in 2026?" These are all great questions.
While timing the real estate (or any) market is never a perfect science, one could argue that it is more unpredictable today than it has been in the past 30 years! These days, the market is more fragile than in the past and any announcement (from trade deals to tariffs to interest rates) can shift the market either way. This unpredictability makes your choices harder today than they were when it was a fair assumption that prices would simply rise if you waited to list.
There is still time in 2025 (five weeks) to properly list and market your property for sale before the traditional yearly slowdown which usually occurs from mid-December to mid-January. If you need to list now, it is possible to have a positive outcome. The benefit of this timing may be that your competition will choose to wait until 2026 and potential buyers who want to buy now will have your well-presented property in their sights.
Waiting for the Spring market, if you're able to do so, will bring better weather, traditionally more buyers to the market, but it also brings more competition for your property as other sellers are using the same strategy. I've always said, if you're ready to sell now, sell now. Why wait? Especially in today's unpredictable market where we're not guaranteed prices will be higher six months from now.
The good news is, that the Toronto real estate market remains resilient. The average sale price in the 416 is up 9% from October 2020, for instance. Your home's value has weathered quite the turbulent past five years fairly well, all things considered.
In October, the 6138 sales number was up 9.8% month-over-month from September, proving that the lowering of interest rates is having an immediate impact on buyer activity. But, year-over-year sales and the average sale price were both down from October 2024. It took 14.8% longer to sell a home and the amount of new homes brought to market remained relatively flat since this time last year.
The interest rate cut of October 29 (-0.25%) was mainly fuelled by still more trade uncertainty and the recent inflation numbers. However, a stronger than expected October jobs report raises questions about how quickly the central bank can proceed with more rate cuts to aid our tariff-hit economy. Pundits are suggesting that, if there is no rate cut announced on December 10, then there will most likely be one in early 2026.
If you have questions about when you should sell, buy or invest, contact me today to discuss your situation. And if you know anyone who would benefit from speaking with me, I would truly appreciate your referral!
Have a great November!!

11/10/2025

LEASED!!
221 Winnett Avenue
Represented the seller.

Detached bungalow in Humewood-Cedarvale.
Get in touch to talk about your situation.

10/30/2025

https://www.bankofcanada.ca/2025/10/fad-press-release-2025-10-29/

The Bank of Canada today reduced its target for the overnight rate by 25 basis points to 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%.

10/22/2025

SOLD!!
52 Granby St.
Represented the buyer.

2-Storey Condo Townhouse in Church-Yonge Corridor.

Believe it or not, there's multiple offer bidding happening in the city right now as buyers are jumping back into the market.
After a lengthy back and forth, my client secured this property and won the day!

Get in touch to talk about your situation.