{"id":1510,"date":"2026-01-28T20:32:00","date_gmt":"2026-01-29T01:32:00","guid":{"rendered":"https:\/\/ganhosegastos.ca\/?p=1510"},"modified":"2026-01-28T20:34:17","modified_gmt":"2026-01-29T01:34:17","slug":"2025-the-lost-year-and-the-2026-question-mark","status":"publish","type":"post","link":"https:\/\/ganhosegastos.ca\/en\/2025-the-lost-year-and-the-2026-question-mark\/","title":{"rendered":"2025: The Lost Year (And the 2026 Question Mark)"},"content":{"rendered":"<p data-path-to-node=\"4\">We started 2025 with a nervous sense of uncertainty, and to change things up a bit, we are starting 2026 with a complete lack of a map.<\/p>\n<p data-path-to-node=\"5\">If last year felt like a &#8220;lost year&#8221; for real estate, it is because we spent twelve months waiting for a turnaround that never really showed up. Last January, I looked at what 2025 might hold in my post: <b data-index-in-node=\"204\" data-path-to-node=\"5\"><a data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwi_5uPuqq6SAxUAAAAAHQAAAAAQgg0\" href=\"https:\/\/ganhosegastos.ca\/en\/2025-real-estate-market-what-can-we-expect\/\" target=\"_blank\" style=\"outline: none;\">2025 Real Estate Market: What Can We Expect?<\/a><\/b>.<\/p>\n<p data-path-to-node=\"6\">Looking back, we got the lower interest rates we wanted, but the &#8220;rebound&#8221; stayed on the sidelines. Now, as we head into 2026, the honest truth is that <b data-index-in-node=\"152\" data-path-to-node=\"6\">we just don\u2019t know yet<\/b> if things will finally move.<\/p>\n<h3 data-path-to-node=\"7\">Rates are Down, but the Market is Stuck<\/h3>\n<p data-path-to-node=\"8\">This week, the Bank of Canada kept interest rates at 2.25%. While that sounds like good news compared to where we were two years ago, it hasn&#8217;t sparked a buying frenzy. With the Canadian dollar sitting at $0.74 USD and new trade tariffs affecting our economy, people are being very careful with their money.<\/p>\n<p data-path-to-node=\"9\">We aren&#8217;t guessing about interest rates anymore. Now, we are guessing if the economy is strong enough for people to actually feel comfortable taking on a mortgage.<\/p>\n<h3 data-path-to-node=\"10\">Why Everyone is Still &#8220;Waiting and Seeing&#8221;<\/h3>\n<p data-path-to-node=\"11\">Here is the reality of what we are seeing right now:<\/p>\n<ul data-path-to-node=\"12\">\n<li>\n<p data-path-to-node=\"12,0,0\"><b data-index-in-node=\"0\" data-path-to-node=\"12,0,0\">The Condo Standoff:<\/b> In places like Toronto, there are more condos for sale than people want to buy. Sellers are still hoping for 2023 prices, but buyers are looking at the economy and saying, &#8220;No thanks.&#8221;<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"12,1,0\"><b data-index-in-node=\"0\" data-path-to-node=\"12,1,0\">Job Security Matters:<\/b> Unemployment is at 6.8%. It doesn&#8217;t matter how low the interest rate is if you\u2019re worried about your job.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"12,2,0\"><b data-index-in-node=\"0\" data-path-to-node=\"12,2,0\">Fewer Renters:<\/b> With new rules cutting down on the number of international students and permits, the rental market has cooled off. For investors, the math just isn&#8217;t as easy as it used to be.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"13\">The Bottom Line<\/h3>\n<p data-path-to-node=\"14\">In a market this confusing, being patient is a strategy. 2026 might eventually find its footing, but for now, it is okay to stay on the sidelines. We all want the market to recover, but trying to act like everything is back to normal right now is just wishful thinking.<\/p>\n<p data-path-to-node=\"15\"><b data-index-in-node=\"0\" data-path-to-node=\"15\">What do you think?<\/b> Are you waiting for rates to drop even more, or is it the job market that has you worried? Let me know in the comments!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We started 2025 with a nervous sense of uncertainty, and to change things up a bit, we are starting 2026 with a complete lack of a map. If last year felt like a &#8220;lost year&#8221; for real estate, it is because we spent twelve months waiting for a turnaround that never really showed up. Last [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1511,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","tve_updated_post":"<div class=\"thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad\" data-css=\"tve-u-19c075782e0\" style=\"\">\n\t<div class=\"tve-content-box-background\"><\/div>\n\t<div class=\"tve-cb\"><div class=\"thrv_wrapper thrv_text_element\">\t<p data-path-to-node=\"4\">We started 2025 with a nervous sense of uncertainty, and to change things up a bit, we are starting 2026 with a complete lack of a map.<\/p><p data-path-to-node=\"5\">If last year felt like a \"lost year\" for real estate, it is because we spent twelve months waiting for a turnaround that never really showed up. Last January, I looked at what 2025 might hold in my post: <b data-index-in-node=\"204\" data-path-to-node=\"5\"><a data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwi_5uPuqq6SAxUAAAAAHQAAAAAQgg0\" href=\"https:\/\/ganhosegastos.ca\/en\/2025-real-estate-market-what-can-we-expect\/\" target=\"_blank\" class=\"\" style=\"outline: none;\">2025 Real Estate Market: What Can We Expect?<\/a><\/b>.<\/p><p data-path-to-node=\"6\">Looking back, we got the lower interest rates we wanted, but the \"rebound\" stayed on the sidelines. Now, as we head into 2026, the honest truth is that <b data-index-in-node=\"152\" data-path-to-node=\"6\">we just don\u2019t know yet<\/b> if things will finally move.<\/p><h3 data-path-to-node=\"7\">Rates are Down, but the Market is Stuck<\/h3><p data-path-to-node=\"8\">This week, the Bank of Canada kept interest rates at 2.25%. While that sounds like good news compared to where we were two years ago, it hasn't sparked a buying frenzy. With the Canadian dollar sitting at $0.74 USD and new trade tariffs affecting our economy, people are being very careful with their money.<\/p><p data-path-to-node=\"9\">We aren't guessing about interest rates anymore. Now, we are guessing if the economy is strong enough for people to actually feel comfortable taking on a mortgage.<\/p><h3 data-path-to-node=\"10\">Why Everyone is Still \"Waiting and Seeing\"<\/h3><p data-path-to-node=\"11\">Here is the reality of what we are seeing right now:<\/p><ul data-path-to-node=\"12\"><li><p data-path-to-node=\"12,0,0\"><b data-index-in-node=\"0\" data-path-to-node=\"12,0,0\">The Condo Standoff:<\/b> In places like Toronto, there are more condos for sale than people want to buy. Sellers are still hoping for 2023 prices, but buyers are looking at the economy and saying, \"No thanks.\"<\/p><\/li><li><p data-path-to-node=\"12,1,0\"><b data-index-in-node=\"0\" data-path-to-node=\"12,1,0\">Job Security Matters:<\/b> Unemployment is at 6.8%. It doesn't matter how low the interest rate is if you\u2019re worried about your job.<\/p><\/li><li><p data-path-to-node=\"12,2,0\"><b data-index-in-node=\"0\" data-path-to-node=\"12,2,0\">Fewer Renters:<\/b> With new rules cutting down on the number of international students and permits, the rental market has cooled off. For investors, the math just isn't as easy as it used to be.<\/p><\/li><\/ul><h3 data-path-to-node=\"13\">The Bottom Line<\/h3><p data-path-to-node=\"14\">In a market this confusing, being patient is a strategy. 2026 might eventually find its footing, but for now, it is okay to stay on the sidelines. We all want the market to recover, but trying to act like everything is back to normal right now is just wishful thinking.<\/p><p data-path-to-node=\"15\"><b data-index-in-node=\"0\" data-path-to-node=\"15\">What do you think?<\/b> Are you waiting for rates to drop even more, or is it the job market that has you worried? Let me know in the comments!<\/p><\/div><\/div>\n<\/div>","tve_custom_css":"@media (min-width: 300px){.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper { width: calc(33.3333% - 10px); }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper:nth-child(n+4) { margin-top: 35px !important; }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper:not(:nth-child(n+4)) { margin-top: 0px !important; }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper:not(:nth-child(3n)) { margin-right: 15px !important; }.tcb-post-list[data-css=\"tve-u-19673ade9c7\"] .post-wrapper.thrv_wrapper:nth-child(3n) { margin-right: 0px !important; }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper { width: calc(100% + 0px); }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper:nth-child(n+2) { margin-top: 15px !important; }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper:not(:nth-child(n+2)) { margin-top: 0px !important; }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper:not(:nth-child(n)) { margin-right: 15px !important; }.tcb-post-list[data-css=\"tve-u-1964ef8b98d\"] .post-wrapper.thrv_wrapper:nth-child(n) { margin-right: 0px !important; }[data-css=\"tve-u-19c075782e0\"] { padding: 0px !important; margin: 0px !important; }}","tve_user_custom_css":"","tve_globals":{"e":"1","font_cls":[]},"tcb2_ready":1,"tcb_editor_enabled":1,"tve_landing_page":"","_tve_header":"","_tve_footer":""},"categories":[13,65,12,10],"tags":[],"class_list":["post-1510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy","category-interest-rates","category-real-estate","category-uncategorized","post-wrapper","thrv_wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2025: The Lost Year (And the 2026 Question Mark) - Ganhos &amp; Gastoss<\/title>\n<meta name=\"description\" content=\"2025 was a &quot;lost year&quot; for real estate. 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He started his career while studying Accounting and Economics at York University, and went on to work at some of Canada\u2019s largest banks \u2014 RBC, TD Canada Trust, Scotiabank, and CIBC \u2014 where he helped clients with mortgages, credit strategies, and personal financial planning. Before focusing on mortgages full-time, Paulo served as an Investment Advisor at Edward Jones, one of North America\u2019s largest investment firms. There, he worked closely with families to build practical plans for investing, retirement, and estate protection \u2014 always keeping real-world goals at the centre. A strong advocate for financial literacy, Paulo is especially passionate about helping the Luso-Canadian community take control of their financial future. 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He has been an active member of the community for years, serving as Vice-President of the Federation of Portuguese Canadian Business and Professionals (FPCBP) and now as a Director with ACAPO (Alliance of Portuguese Clubs and Associations of Ontario). 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