{"id":92,"date":"2026-02-27T13:23:46","date_gmt":"2026-02-27T13:23:46","guid":{"rendered":"https:\/\/donemortgage.ca\/blogs\/?p=92"},"modified":"2026-06-09T22:14:51","modified_gmt":"2026-06-09T22:14:51","slug":"gta-home-prices-drop-below-1m","status":"publish","type":"post","link":"https:\/\/donemortgage.ca\/blogs\/gta-home-prices-drop-below-1m\/","title":{"rendered":"GTA Housing Market 2026: Is This the Opportunity Buyers Have Been Waiting For?"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#is-this-the-buying-window-brampton-has-been-waiting-for\">Is This the Buying Window Brampton Has Been Waiting For?<\/a><\/li><li><a href=\"#what-the-january-2026-gta-housing-market-is-really-telling-us\">What the January 2026 GTA Housing Market Is Really Telling Us<\/a><\/li><li><a href=\"#why-brampton-buyers-have-more-power-right-now\">Why Brampton Buyers Have More Power Right Now<\/a><\/li><li><a href=\"#is-this-the-bottom-of-the-gta-market\">Is This the Bottom of the GTA Market?<\/a><\/li><li><a href=\"#who-should-consider-buying-in-brampton-in-2026\">Who Should Consider Buying in Brampton in 2026?<\/a><ul><\/ul><\/li><li><a href=\"#who-should-probably-wait\">Who Should Probably Wait?<\/a><\/li><li><a href=\"#detached-vs-condo-in-the-gta-where-is-the-smarter-play\">Detached vs Condo in the GTA \u2014 Where Is the Smarter Play?<\/a><\/li><li><a href=\"#the-bigger-picture-affordability-vs-confidence\">The Bigger Picture: Affordability vs Confidence<\/a><\/li><li><a href=\"#what-smart-brampton-buyers-are-doing-right-now\">What Smart Brampton Buyers Are Doing Right Now<\/a><\/li><li><a href=\"#should-you-buy-in-the-gta-in-2026\">Should You Buy in the GTA in 2026?<\/a><\/li><li><a href=\"#talk-to-a-mortgage-broker-in-brampton-who-understands-the-905-market\">Talk to a Mortgage Broker in Brampton Who Understands the 905 Market<\/a><\/li><li><a href=\"#fa-qs\">FAQs<\/a><ul><li><a href=\"#links\">Links<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 id=\"is-this-the-buying-window-brampton-has-been-waiting-for\" class=\"wp-block-heading\"><strong>Is This the Buying Window Brampton Has Been Waiting For?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For the first time in five years, the average home price across the Greater Toronto Area has fallen below the $1 million mark.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In January 2026, the average selling price declined to <strong>$973,289<\/strong>, while GTA home sales dropped nearly 19% year-over-year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buyer activity has slowed.<br>Inventory remains elevated.<br>Confidence is cautious.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But here\u2019s the real question:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is this a warning sign \u2014 or the exact opportunity serious buyers in Brampton and the GTA have been waiting for?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Team Done Mortgage, we don\u2019t just report numbers. We analyze what they mean for buyers in Brampton, Mississauga, Vaughan, and across the 905 region.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s break it down.<\/p>\n\n\n\n<h2 id=\"what-the-january-2026-gta-housing-market-is-really-telling-us\" class=\"wp-block-heading\"><strong>What the January 2026 GTA Housing Market Is Really Telling Us<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In January 2026, the average selling price declined to $973,289 according to the <a href=\"https:\/\/trreb.ca\/market-data\/market-watch\/\" target=\"_blank\" rel=\"noreferrer noopener\">TRREB Market Watch<\/a>. Lower entry prices mean more buyers can now qualify for <a href=\"https:\/\/donemortgage.ca\/blogs\/what-is-a-high-ratio-mortgage-in-canada\/\" target=\"_blank\" rel=\"noreferrer noopener\">high ratio mortgages<\/a><br> with smaller down payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The headlines say:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Sales are down<br>\u2022 Prices are down<br>\u2022 Listings remain healthy<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the surface, that sounds negative.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In reality, this looks more like a <strong>confidence-driven slowdown<\/strong>, not a structural crash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s why:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Borrowing costs are significantly lower than 2023 peaks<br><\/li>\n\n\n\n<li>Supply levels are higher than they\u2019ve been in years<br><\/li>\n\n\n\n<li>Negotiation power has shifted toward buyers<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This isn\u2019t 2022\u2019s bidding-war frenzy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is a reset.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And resets create leverage.<\/p>\n\n\n\n<h2 id=\"why-brampton-buyers-have-more-power-right-now\" class=\"wp-block-heading\"><strong>Why Brampton Buyers Have More Power Right Now<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The 905 region \u2014 including Brampton \u2014 is seeing deeper price softness than Toronto\u2019s 416 core, particularly in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Condo apartments<br><\/li>\n\n\n\n<li>Entry-level detached homes<br><\/li>\n\n\n\n<li>Townhouses in high-inventory pockets<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This matters because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sellers are adjusting expectations<br><\/li>\n\n\n\n<li>Conditional offers are being accepted again<br><\/li>\n\n\n\n<li>Price negotiations are meaningful, not symbolic<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Over the past three years, buyers competed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today, buyers choose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is a fundamental shift in market balance.<\/p>\n\n\n\n<h2 id=\"is-this-the-bottom-of-the-gta-market\" class=\"wp-block-heading\"><strong>Is This the Bottom of the GTA Market?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No one rings a bell at the bottom of a housing cycle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But historical patterns suggest:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Markets move when fear peaks<br><\/li>\n\n\n\n<li>Prices stabilize before confidence returns<br><\/li>\n\n\n\n<li>Pent-up demand re-enters once rate clarity improves<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">TRREB\u2019s 2026 outlook indicates that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sales activity may remain steady compared to recent years<br><\/li>\n\n\n\n<li>Prices could stabilize in the second half of 2026<br><\/li>\n\n\n\n<li>Buyer confidence will likely return gradually<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Affordability has improved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Confidence hasn\u2019t caught up yet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That gap is where opportunity lives.<\/p>\n\n\n\n<h2 id=\"who-should-consider-buying-in-brampton-in-2026\" class=\"wp-block-heading\"><strong>Who Should Consider Buying in Brampton in 2026?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is not a blanket green light.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But it is a strong window for:<\/p>\n\n\n\n<h3 id=\"1-\ufe0f-first-time-buyers\" class=\"wp-block-heading\"><strong>1\ufe0f First-Time Buyers<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Less competition<br><\/li>\n\n\n\n<li>Flexible conditions<br><\/li>\n\n\n\n<li>Lower entry pricing than 2021\u20132023 highs<br><\/li>\n<\/ul>\n\n\n\n<h3 id=\"2-\ufe0f-upgraders\" class=\"wp-block-heading\"><strong>2\ufe0f Upgraders<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re selling and buying in the same market, softer pricing can work in your favor when moving up.<\/p>\n\n\n\n<h3 id=\"3-\ufe0f-buyers-with-stable-income\" class=\"wp-block-heading\"><strong>3\ufe0f Buyers With Stable Income<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your employment is secure and you plan to hold for 5+ years, short-term fluctuations matter far less than long-term positioning.<\/p>\n\n\n\n<h2 id=\"who-should-probably-wait\" class=\"wp-block-heading\"><strong>Who Should Probably Wait?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Be honest with yourself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pause if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your job stability is uncertain<br><\/li>\n\n\n\n<li>You\u2019re stretching debt ratios<br><\/li>\n\n\n\n<li>You\u2019re expecting short-term appreciation<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This market rewards discipline \u2014 not speculation.<\/p>\n\n\n\n<h2 id=\"detached-vs-condo-in-the-gta-where-is-the-smarter-play\" class=\"wp-block-heading\"><strong>Detached vs Condo in the GTA \u2014 Where Is the Smarter Play?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Condo sales have seen sharper slowdowns in some 905 areas due to higher supply and cautious investor demand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Detached homes have also softened \u2014 but long-term demand fundamentals remain stronger.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re buying to live:<br>Lifestyle fit matters more than short-term price charts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re investing:<br>Liquidity risk in condos needs serious evaluation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not every discount is an opportunity. Some are simply excess supply.<\/p>\n\n\n\n<h2 id=\"the-bigger-picture-affordability-vs-confidence\" class=\"wp-block-heading\"><strong>The Bigger Picture: Affordability vs Confidence<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s what most headlines miss:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Affordability has improved.<br>Confidence has not.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When confidence returns \u2014 even slightly \u2014 inventory can absorb faster than expected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And when that happens, negotiation leverage disappears quickly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The 2026 GTA market is not crashing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s recalibrating.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s a very different environment.<\/p>\n\n\n\n<h2 id=\"what-smart-brampton-buyers-are-doing-right-now\" class=\"wp-block-heading\"><strong>What Smart Brampton Buyers Are Doing Right Now<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Serious buyers in Brampton and the GTA are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Getting pre-approved early<br><\/li>\n\n\n\n<li>Watching specific neighborhoods<br><\/li>\n\n\n\n<li>Negotiating strategically<br><\/li>\n\n\n\n<li>Locking rates carefully<br><\/li>\n\n\n\n<li>Buying based on long-term plans<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s how transitional markets are won.<\/p>\n\n\n\n<h2 id=\"should-you-buy-in-the-gta-in-2026\" class=\"wp-block-heading\"><strong>Should You Buy in the GTA in 2026?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re waiting for perfect clarity, you may miss practical opportunity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re financially stable and planning long-term, this may be one of the most balanced buying environments we\u2019ve seen in years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lower competition.<br>Negotiation flexibility.<br>Reset pricing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That combination rarely lasts forever.<\/p>\n\n\n\n<h2 id=\"talk-to-a-mortgage-broker-in-brampton-who-understands-the-905-market\" class=\"wp-block-heading\"><strong>Talk to a Mortgage Broker in Brampton Who Understands the 905 Market<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before house hunting, understand your financing power.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Team Done Mortgage, we help buyers across Brampton and the Greater Toronto Area to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Structure strong pre-approvals<br><\/li>\n\n\n\n<li>Optimize debt ratios<br><\/li>\n\n\n\n<li>Compare lender options<br><\/li>\n\n\n\n<li>Plan purchases strategically<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In transitional markets, financing clarity creates confidence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Book a consultation with our Brampton mortgage team and understand where you truly stand before confidence returns to the crowd.<\/p>\n\n\n\n<h2 id=\"fa-qs\" class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1781042992047\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is 2026 a good time to buy a home in Brampton?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>If you have stable income and plan to hold 5+ years, early 2026 offers improved affordability and stronger negotiation power compared to recent years.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781043006178\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Why did GTA home prices fall below $1 million?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Slower buyer demand combined with elevated inventory pushed average prices lower, even though borrowing costs are lower than 2023 peaks.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781043020037\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Will GTA home prices fall further?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Some pockets may soften, especially where supply remains high. However, stabilization is expected later in 2026 if demand absorbs inventory.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781043038060\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Should I wait for interest rates to drop more?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Waiting can increase competition if confidence returns. A better strategy is securing pre-approval and acting when the right property appears.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781043044320\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How much down payment do I need in Brampton?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Minimum requirements depend on purchase price and occupancy type. Many buyers use 5% to 20%, but strategy varies by income and debt structure.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781043056141\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Are bidding wars still happening in 2026?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Less frequently than 2021\u20132022, but well-priced homes in high-demand areas can still attract multiple offers.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h3 id=\"links\" class=\"wp-block-heading\">Links<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/mortgage-broker-toronto\/\">Mortgage Broker Toronto<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" rel=\"noreferrer noopener\">CRA Home Buyers Plan Rules<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.cmhc-schl.gc.ca\/consumers\/home-buying?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">CMHC First-Time Home Buyer Resources<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-incentive-in-canada-is-it-actually-worth-it\/\">First-Time Home Buyer Mortgage<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/rrsp-first-time-home-buyer-rules-canada\/\">FHSA Guide RRSP vs TFSA<\/a><\/li>\n<\/ul>\n\n\n\n<div style=\"max-width:720px;background:#ECEAEB;padding:28px;border-radius:12px;font-family:Arial,Helvetica,sans-serif;color:#222;\">\n\n<!-- Profile Header -->\n<div style=\"display:flex; align-items:center; gap:20px; margin-bottom:20px;\">\n\n<img \nsrc=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/03\/swati-profile-photo.webp\"\nalt=\"Swati Malik - Mortgage Broker Done Mortgage\"\nstyle=\"\nwidth:120px;\nheight:120px;\nborder-radius:50%;\nobject-fit:cover;\nborder:4px solid #ffffff;\nbox-shadow:0 8px 18px rgba(0,0,0,0.15);\n\"\n\/>\n\n<div>\n<h2 style=\"margin:0;font-size:26px;font-weight:600;\">Swati Malik<\/h2>\n\n<p style=\"margin:4px 0 0;color:#444;font-size:16px;\">\nMortgage Broker \u2022 Done Mortgage\n<\/p>\n<\/div>\n\n<\/div>\n\n\n<!-- Address -->\n<div style=\"margin-bottom:16px;color:#333;font-size:15px;\">\n\ud83d\udccd 7 Strathearn Ave, Brampton, ON L6T 4P1, Canada\n<\/div>\n\n\n<!-- Bio -->\n<p style=\"margin-bottom:24px;color:#333;font-size:15px;line-height:1.6;\">\nLicensed Mortgage Broker with Dominion Lending Centres at Done Mortgage, helping clients across Ontario secure mortgage approvals, renewals, and refinancing solutions. She specializes in structuring mortgages for first-time buyers and self-employed borrowers through a wide network of lenders.\n<\/p>\n\n\n<!-- Action Buttons -->\n<div style=\"display:flex; flex-wrap:wrap; gap:12px;\"> \n\n<a href=\"tel:+16478642283\" \nstyle=\"text-decoration:none;padding:10px 18px;background:#023A78;color:#ffffff;border-radius:6px;font-size:14px;\">\n\ud83d\udcde Call\n<\/a>\n\n<a href=\"mailto:swatti@donemortgage.ca\"\nstyle=\"text-decoration:none;padding:10px 18px;background:#023A78;color:#ffffff;border-radius:6px;font-size:14px;\">\n\u2709 Email\n<\/a>\n\n<a href=\"https:\/\/donemortgage.zohobookings.in\/#\/allmortgageservices\" style=\"text-decoration:none;padding:10px 18px;background:#023A78;color:#ffffff;border-radius:6px;font-size:14px;\" target=\"_blank\" rel=\"noopener\">\n\ud83d\udcc5 Book Appointment\n<\/a>\n\n<a href=\"https:\/\/donemortgage.donemortgage.ca\/contact\/\" target=\"_blank\" style=\"text-decoration:none;padding:10px 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class='tpg-header-wrapper '>\n\t\t\t\t\t\n        <div class=\"tpg-widget-heading-wrapper rt-clear heading-style1 \">\n            <span class=\"tpg-widget-heading-line line-left\"><\/span>\n\t\t\t<h2 class='tpg-widget-heading'>\n\t\t\t            <a href=\"#\"  >\n\t\t\t\t\n\t\t\t\t                    <span>\n\t\t\t\t\t\tBlog&#039;s\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t            <\/a>\n\n\t\t\t\t\t<\/h2>            <span class=\"tpg-widget-heading-line line-right\"><\/span>\n\n\t\t\t\n        <\/div>\n\n\t\t\n\t\t                <\/div>\n\n                <div class=\"rt-row rt-content-loader gutenberg-inner grid-layout1 grid-behaviour tpg-full-height grid_layout_wrapper\">\n\t\t\t\t\t\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-285 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\"\t\tdata-id=\"285\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"285\" href=\"https:\/\/donemortgage.ca\/blogs\/fhsa-canada-how-contributions-tax-deductions-and-withdrawals-work\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-17-2026-03_52_05-AM.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"FHSA Canada: How Contributions, Tax Deductions and Withdrawals Work\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"285\" href=\"https:\/\/donemortgage.ca\/blogs\/fhsa-canada-how-contributions-tax-deductions-and-withdrawals-work\/\" class=\"tpg-post-link\" target=\"_self\">FHSA Canada: How Contributions, Tax Deductions and Withdrawals Work<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"uncategorized\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/uncategorized\/\">Uncategorized<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/07\/16\/\">\n\t\t\t\t\tJuly 16, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tSaving for a first home has never been easy, particularly in Ontario where home prices remain well&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"285\" href=\"https:\/\/donemortgage.ca\/blogs\/fhsa-canada-how-contributions-tax-deductions-and-withdrawals-work\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-284 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\"\t\tdata-id=\"284\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"284\" href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-in-ontario-programs-down-payment-and-closing-costs\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/07\/First-Time-Home-Buyer-in-Ontario.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"First-Time-Home-Buyer-in-Ontario\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"284\" href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-in-ontario-programs-down-payment-and-closing-costs\/\" class=\"tpg-post-link\" target=\"_self\">First-Time Home Buyer in Ontario: Programs, Down Payment and Closing Costs<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"uncategorized\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/uncategorized\/\">Uncategorized<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/07\/16\/\">\n\t\t\t\t\tJuly 16, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tBuying your first home usually becomes real long before you receive the keys. It may start when you&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"284\" href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-in-ontario-programs-down-payment-and-closing-costs\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-281 post type-post status-publish format-standard has-post-thumbnail hentry category-mortgage\"\t\tdata-id=\"281\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"281\" href=\"https:\/\/donemortgage.ca\/blogs\/canada-commercial-real-estate-market\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/07\/Canada-commercial-real-estate-market-trends-in-2026.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"Canada commercial real estate market trends in 2026\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"281\" href=\"https:\/\/donemortgage.ca\/blogs\/canada-commercial-real-estate-market\/\" class=\"tpg-post-link\" target=\"_self\">Canada&#8217;s Commercial Real Estate Market Is Showing Signs of Recovery<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"mortgage\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/mortgage\/\">Mortgage<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/07\/10\/\">\n\t\t\t\t\tJuly 10, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tThe Canada commercial real estate market is beginning to show encouraging signs of recovery after&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"281\" href=\"https:\/\/donemortgage.ca\/blogs\/canada-commercial-real-estate-market\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>                <\/div>\n\n\t\t\t\t\n            <\/div>\n        <\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Is This the Buying Window Brampton Has Been Waiting For? For the first time in five years, the average home price across the Greater Toronto Area has fallen below the $1 million mark. In January 2026, the average selling price declined to $973,289, while GTA home sales dropped nearly 19% year-over-year. Buyer activity has slowed.Inventory [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":93,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-92","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"rttpg_featured_image_url":{"full":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/02\/GTA-Home-Prices-2026-Is-This-the-Time-to-Buy-in-Brampton.webp",1200,800,false],"landscape":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/02\/GTA-Home-Prices-2026-Is-This-the-Time-to-Buy-in-Brampton.webp",1200,800,false],"portraits":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/02\/GTA-Home-Prices-2026-Is-This-the-Time-to-Buy-in-Brampton.webp",1200,800,false],"thumbnail":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/02\/GTA-Home-Prices-2026-Is-This-the-Time-to-Buy-in-Brampton-150x150.webp",150,150,true],"medium":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/02\/GTA-Home-Prices-2026-Is-This-the-Time-to-Buy-in-Brampton-300x200.webp",300,200,true],"large":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/02\/GTA-Home-Prices-2026-Is-This-the-Time-to-Buy-in-Brampton-1024x683.webp",1024,683,true],"1536x1536":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/02\/GTA-Home-Prices-2026-Is-This-the-Time-to-Buy-in-Brampton.webp",1200,800,false],"2048x2048":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/02\/GTA-Home-Prices-2026-Is-This-the-Time-to-Buy-in-Brampton.webp",1200,800,false]},"rttpg_author":{"display_name":"Swati Malik","author_link":"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/donemortgage.ca\/blogs\/category\/mortgage\/\" rel=\"category tag\">Mortgage<\/a>","rttpg_excerpt":"Is This the Buying Window Brampton Has Been Waiting For? For the first time in five years, the average home price across the Greater Toronto Area has fallen below the $1 million mark. In January 2026, the average selling price declined to $973,289, while GTA home sales dropped nearly 19% year-over-year. Buyer activity has slowed.Inventory&hellip;","_links":{"self":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/92","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/comments?post=92"}],"version-history":[{"count":10,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/92\/revisions"}],"predecessor-version":[{"id":248,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/92\/revisions\/248"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/media\/93"}],"wp:attachment":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/media?parent=92"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/categories?post=92"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/tags?post=92"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}