Toronto Real Estate Portfolio

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Toronto Real Estate Portfolio Helping You to Properly Buy, Sell & Invest in Toronto Real Estate so That You Can Enjoy Your Life and Financial Independence.

Specializing in Custom Made Homes, Flip Properties, Pre-construction Condos/Houses, Assignments Buying or Selling a Home is One of the Most Important Decisions in Someone's Life. Investing in Real Estate is one of the most lucrative and secure investment opportunities you can make for your financial future and retirement. Welcome to Toronto Real Estate Portfolio. With our in-depth experience and knowledge of the property market, we successfully help our clients make wise decisions that relate to purchase, sale, and property investments. We guide our clients through the process and support them all the way in building a property portfolio that works for them leading up to retirement and beyond. We specialize in custome-made homes, flip properties, pre-construction condos, and assignments and can help you decide on the best route of investment for you and provide you with the support you need every step of the way.

10/16/2026

Toronto Falls Into Moderate Bubble Risk
As someone who’s been helping people sell, buy, and invest in Canadian real estate for over 16 years, I’ve seen Toronto’s market evolve through many cycles. According to a leading global wealth manager, Toronto now sits in the 'moderate bubble risk' category after the sharpest annual price drop—about 11%—among 23 major cities worldwide. Between 2014 and 2022, we watched real home prices double, driven by population growth, investor energy, and strong construction. But since 2022, higher interest rates, the foreign-buyer ban, and increased supply have combined to push prices down nearly 30% from their peak. This correction has brought prices closer to what more residents can afford. However, the report points to continued price pressure ahead, with rising inventory, slower growth, and the potential for more rate hikes keeping many buyers on the sidelines. Understanding how these shifts impact your buying, selling, or investment decisions is key in this market.

10/14/2026

Toronto Condo Closings Reveal Deeper Debt
Toronto’s condo market is revealing some tough truths beneath the surface—especially when it comes time to close on those preconstruction units. With appraisal values often landing below the original purchase price, many buyers are suddenly facing significant cash shortfalls. Over my 16 years helping clients navigate Canadian Real Estate, I’ve seen how focusing only on timely mortgage payments can miss the bigger picture. True financial health means looking at the entire household balance sheet—credit cards, lines of credit, and even rental losses. It’s crucial to ask: what’s really funding those gaps? Simply paying down credit cards won’t solve deeper cash flow issues if there’s an ongoing deficit or a rental property isn’t performing. I recently saw a client facing a $350K interest-only second mortgage at nearly 10%, with $44,500 in upfront costs—adding up to about 26% of their net cash in the first year alone. For anyone navigating these complex closings, remember: getting the keys to one condo isn’t the same as solving your financial puzzle. A holistic plan is key to lasting success.

10/13/2026

Home affordability finds its footing, but rising rates could change that
After more than 16 years navigating the Canadian real estate landscape, I’ve seen how quickly the balance between affordability and rates can shift. In August, the average five-year fixed mortgage rate climbed to 4.55%, but for now, most buyers haven’t felt much difference in their payments. What’s really making a mark is the drop in home prices—particularly in Toronto, Vancouver, and Montréal—which is opening doors for many. Staying informed on these trends is key to making confident decisions, whether you’re looking to buy, sell, or invest.

10/11/2026

Happy Thanksgiving

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—think accessory dwelling units and multiplexes—starting to make a real impact on Toronto's housing data. These types of homes now account for about 10% of housing starts across Canada. This shift is largely thanks to recent zoning reforms and comes as single-detached home construction slows down. After 16 years helping clients navigate Toronto’s evolving real estate landscape, I’ve seen firsthand how these changes open up new possibilities for buyers, sellers, and investors alike.


https://www.roomvu.com/agent-news/lilia-merkoulovitch/2099980-Small-Scale-Infill-Is-%28Finally%29-Showing-Up-In-Toronto%27s-Hous

10/07/2026

Toronto Ranks 20th Worldwide
Toronto has once again secured its place among the world’s top 25 cities, ranking 20th out of 1,000 global cities in the latest 2026 index. Our city’s strong economic fundamentals and exceptional human capital continue to drive demand—something I’ve witnessed firsthand over 16 years helping clients navigate buying, selling, and investing in Canadian real estate. Yet, this same index points out the ongoing challenge: housing affordability. With a median multiple near 7.5, Toronto remains one of the least affordable major markets surveyed, and residents here spend a greater share of their income on housing than almost anywhere else globally. Slowing housing starts and supply constraints are still key factors behind this affordability gap. As someone deeply invested in Toronto’s real estate landscape, I understand how these factors shape opportunities and decisions for buyers and sellers alike.

10/06/2026

Toronto, Vancouver housing still hugely desirable despite recent challenges
Toronto and Vancouver continue to capture global attention—ranking 20th and 24th worldwide—thanks to their robust economies and enduring appeal. Yet, affordability remains a real challenge, as both cities score low on Quality of Life due to high housing costs. With Canada needing to build between 430,000 and 480,000 homes each year to truly move the needle on affordability—and that target still out of reach—navigating these markets takes real experience. After 16 years helping clients sell, buy, and invest in Canadian real estate, I’ve seen firsthand just how resilient and desirable these cities remain, even in the face of ongoing challenges.

GTA Homes More Affordable as Prices Dip Below $1MAugust brought a 2.1% year-over-year decrease in GTA home sales, with 5...
10/01/2026

GTA Homes More Affordable as Prices Dip Below $1M
August brought a 2.1% year-over-year decrease in GTA home sales, with 5,057 properties changing hands and average prices slipping 2.7% to $993,410. Benchmark prices are also down 4.5%. While the market always tends to slow a bit this time of year, it’s worth noting that improved affordability is giving buyers new opportunities. After more than 16 years helping clients navigate the ups and downs of Canadian real estate, I know how important it is to find the silver linings—and right now, a dip below the $1 million mark could open doors for many. If you’re considering your next move, staying informed is key.


https://www.roomvu.com/agent-news/lilia-merkoulovitch/1974029-GTA-Homes-More-Affordable-as-Prices-Dip-Below-%241M

09/29/2026

National Day for Truth and Reconciliation

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