Podcast: Play in new window | Download (Duration: 12:07 — 11.1MB)
Subscribe: Apple Podcasts | Spotify | Youtube Music | RSS | More
Episode 3
Canada’s 2025 Housing Market: Buy, Sell, or Wait?
In Episode 3 of Smart Moves: Your Real Estate and Mortgage Podcast, we break down TD Economics’ latest report and what it means for real estate across Canada including key insights for Edmonton-area buyers and sellers.
You’ll discover:
✅ The impact of global tariffs and trade tensions on Canada’s economy
✅ What falling interest rates could mean for your mortgage
✅ Whether now is the right time to buy, sell, or hold
✅ Regional breakdowns – where affordability is improving, and where it’s not
✅ How to stay informed and confident in a volatile market
Whether you’re actively house-hunting or just trying to understand where the market is headed, this episode helps you decode the data and make smart, strategic decisions in 2025. Tap play to hear what’s ahead and how to navigate it with clarity.
Understanding the Global Economic Backdrop
Explore how global trade tensions, tariffs, and investment slowdowns are shaping Canada’s economic outlook in 2025 and why it matters to homebuyers.
What Interest Rates Are Telling Us
TD Economics projects possible Bank of Canada rate cuts. We discuss what this could mean for borrowing costs, mortgages, and the Canadian dollar.
Why Edmonton May Be a Bright Spot in a Slowing National Market
Despite uncertainty, we look at encouraging trends like pent-up demand, relaxed mortgage rules, and strong population growth.
Affordability Challenges & Market Psychology
From panicked sellers to hesitant buyers, this section unpacks the emotional and financial challenges facing Canadians — especially in high-cost regions like the GTA.
Government Tools & Economic Buffers
We break down how policy measures like wage subsidies and EI are being positioned to protect the economy and housing stability.
Scenario Planning: What If Tariffs Hit Hard?
Using TD’s scenario analysis, we examine what could happen to the market in a worst-case trade war environment and how rate cuts might offset the damage.
What 2025 Looks Like in Edmonton vs. Other Canadian Cities
Real estate isn’t one-size-fits-all. We explore what 2025 might look like in hot zones like the GTA and more affordable areas across the Prairies and Atlantic provinces.
Smart Moves in Edmonton’s 2025 Market: What Buyers and Sellers Should Focus On
With so much uncertainty, we highlight practical steps from staying informed to working with trusted advisors that can help you move smarter this year.
Tools to Move Smarter in a Changing Market
Get Pre-Qualified in Minutes – Use our mobile app to check your affordability, browse current rates, and get mortgage ready in minutes. Download Now
Run the Numbers with Confidence – Our enhanced Alberta Mortgage Calculators help you compare terms, estimate payments, and plan your budget like a pro. No guesswork, just clarity.
AI-Powered Property Search – Search smarter with tools that match Edmonton homes to your lifestyle, not just your price range. It’s like having a real estate assistant in your pocket. Check it out
Access Real-Time SOLD Data – Wondering what homes are actually selling for in your neighbourhood? Use our SOLD Data Tool to view recent sale prices and trends in Edmonton and beyond.
Start Your Digital Journey Now Because at Property Smart Advisors, smart decisions come from more than opinions — they’re backed by tech, insights, and real-time data.
Smart Moves Episode 3: Structured Transcript & Key Insights
This summary transcript captures the most important takeaways and themes from Episode 3. It’s organized for quick scanning, while giving you the depth and clarity needed to better understand how global economics, interest rates, and local housing trends could impact your next move.
Click to expand full summary transcript
1. Economic Uncertainty & Trade Tariffs:
The episode begins by examining the global backdrop for Canada’s housing market, including rising concerns over trade tariffs, especially from the U.S., and how they could slow investment and economic growth in Canada.
2. Interest Rate Forecasts:
TD Economics predicts potential interest rate cuts by the Bank of Canada, which could ease mortgage costs—but these changes also risk weakening the Canadian dollar if the U.S. doesn’t follow suit with similar cuts.
3. Signs of Strength in the Housing Market:
Despite uncertainty, the report cites pent-up buyer demand, slightly more flexible mortgage rules, and Canada’s ongoing population growth as supporting pillars for real estate activity.
4. Challenges Ahead:
Tariff threats, affordability struggles (especially in GTA and Vancouver), and sellers reacting with panic listings are real concerns. TD warns these pressures could create pricing volatility.
5. Regional Market Differences:
High-demand areas may cool slightly, while more affordable regions—like Alberta or parts of Atlantic Canada—could see stronger price growth as buyers shift their focus.
6. Government’s Role:
Short-term supports like wage subsidies and longer-term strategies to attract business investment are being explored. But budget constraints mean we may not see pandemic-level support programs again.
7. Takeaways for Buyers & Sellers:
Staying informed and seeking expert guidance is key. Buyers should consider long-term affordability, regional trends, and consult with advisors before making decisions in this mixed market.
8. Edmonton-Specific Relevance:
In cities like Edmonton, where prices remain more stable and housing is relatively affordable, the outlook is more balanced—making it a potential opportunity for buyers priced out of overheated markets.
9. Final Word:
Knowledge is power. Whether you’re buying, selling, or renewing your mortgage, understanding broader trends—and how they connect to your local market—can make all the difference.
Missed Episode 2?
Explore how AI and emotions are shaping the real estate experience — from smarter home searches to better decision-making. Click here to catch up on Episode 2.
What’s next?
In Episode 4, we tackle rising home insurance costs, unexpected expenses buyers overlook, and the new reality of “hidden” costs of homeownership. Click here to listen to Episode 4 now.
Source: This podcast episode is informed by insights from TD Economics published on February 19, 2025. For more details visit: Questions? We’ve Got Answers Addressing Issues Impacting the Economic and Financial Outlook
