Zan Molko Real Estate - Harvey Kalles Real Estate Ltd.

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Zan Molko, Real Estate Broker, ABR, CBW, ASP, ASA, Harvey Kalles Real Estate Ltd. Real Estate Agent in and around Toronto, North York, Thornhill, Richmond Hill, Vaughan, Markham
Buying a home, Selling a home, investing?

10/13/2026

Canadian Housing Affordability Remains Stable in Many Regions
In the luxury real estate market here in Toronto, it’s always important to keep an eye on the bigger picture. Canada saw a modest improvement in housing affordability in Q2, thanks to steady home prices and growing incomes. Notably, Toronto and Vancouver experienced some positive movement, while several Prairie and Atlantic markets faced declines. Looking ahead, rising interest rates could drive up costs by 2027—an evolving landscape I monitor closely to ensure my clients are prepared for every shift.

10/12/2026

Toronto Condo Supply Faces Tariff Exposure
In Toronto’s luxury condo market, we’re seeing how the ongoing trade tensions are directly impacting new supply. Recent data from a federal construction index shows that fabricated metal costs rose by 2.1% last quarter, with structural steel up 1.8%. These increases put added pressure on our city, especially since so many projects here depend on steel-intensive construction. With condo starts already on the decline, Toronto doesn’t have much buffer against these rising costs, making us particularly sensitive to price shocks on the supply side. In short, higher building material costs combined with fewer new projects have made the Toronto market more vulnerable to sudden pricing pressure—a key factor to keep in mind when considering opportunities in this evolving landscape.

10/11/2026

Happy Thanksgiving

Home affordability finds its footing, but rising rates could change thatLately, I’ve been closely watching shifts in hom...
10/10/2026

Home affordability finds its footing, but rising rates could change that
Lately, I’ve been closely watching shifts in home affordability across Toronto, North York, and Thornhill. In August, Canada’s average five-year fixed mortgage rate climbed to 4.55%. For now, this uptick has had little effect on monthly payments. The real story is the boost in affordability, thanks to home prices trending lower—something especially noticeable in our markets here and in other major cities like Vancouver and Montréal. As always, in the luxury segment, these changes can open up new opportunities for those keeping a close eye on the market.


https://www.housing-trends.com/agent-news/molko-zan-1/2071620-Home-affordability-finds-its-footing%2C-but-rising-rates-could

Industry Updates: Single-Family Sales Rise, Resale Supply Tightens, Cultural Programming ExpandsIt’s been an eventful pe...
10/09/2026

Industry Updates: Single-Family Sales Rise, Resale Supply Tightens, Cultural Programming Expands
It’s been an eventful period for Toronto real estate, especially in the single-family segment. We’ve seen single-family home sales climb in the Greater Toronto Area, a trend likely influenced by the recent expansion of the HST rebate. Meanwhile, the condo market continues to lag, with sales remaining on the softer side. Resale inventory is becoming more limited, which may nudge home prices upward—a dynamic I monitor closely in luxury markets across North Toronto, North York, and Thornhill. New housing starts have dipped slightly, and on the innovation front, Toronto has introduced an AI pilot program for building permits—a promising sign for smoother processes in future transactions. These shifts are shaping the landscape for buyers and sellers alike, and understanding their nuances is key to navigating the high-end market successfully.


https://www.housing-trends.com/agent-news/molko-zan-1/2078662-Industry-Updates%3A-Single-Family-Sales-Rise%2C-Resale-Supply-Ti

Small-Scale Infill Is (Finally) Showing Up In Toronto's Housing DataIt’s encouraging to see small-scale infill projects—...
10/08/2026

Small-Scale Infill Is (Finally) Showing Up In Toronto's Housing Data
It’s encouraging to see small-scale infill projects—such as accessory dwelling units and multiplexes—making a noticeable impact in Toronto’s housing data. These types of developments have grown to represent about 10% of housing starts across Canada, a shift that’s been spurred by zoning reforms and a move away from single-detached home construction. As someone who works closely with buyers and sellers in Toronto’s luxury real estate market, I’m paying close attention to how these changes influence both neighborhood character and investment opportunities in areas like North Toronto, North York, and Thornhill. The evolving landscape offers new considerations for those thinking about their next move.


https://www.housing-trends.com/agent-news/molko-zan-1/2099980-Small-Scale-Infill-Is-%28Finally%29-Showing-Up-In-Toronto%27s-Hous

10/07/2026

Toronto Ranks 20th Worldwide
Toronto continues to make its mark on the world stage, ranking 20th out of 1,000 cities in a 2026 global index—a testament to the city’s robust economy and exceptional human capital that keep demand strong. However, the same report highlights a persistent challenge for our market: housing affordability. With a median multiple near 7.5, Toronto stands out as one of the least affordable major cities surveyed in 2026, with residents dedicating a larger share of their income to housing than almost anywhere else globally. Ongoing supply constraints and a projected slowdown in housing starts through 2026 are key factors behind this affordability gap. As someone who specializes in Toronto’s luxury real estate market, I see firsthand how these dynamics shape our city’s unique blend of opportunity and challenge.

10/06/2026

'Temporary detour, not a derailment': RBC on latest market slowdown
August brought a slight pause to Canada’s housing market, with home resales dipping by 0.7%. It’s important to recognize that this isn’t a derailment, but rather a temporary detour—regional trends continue to show a mix of price and sales movements. For many buyers, renewing mortgages at higher rates has become a new hurdle, even as inventory remains balanced and borrowing costs hold steady. In Toronto’s luxury market, I see firsthand how these subtle shifts can influence both buyers’ strategies and sellers’ expectations, underscoring the value of steady guidance in ever-evolving conditions.

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