Is the Canadian Dream dead—or simply changing? Rising mortgage rates are increasing monthly borrowing costs even as home prices soften in some markets. That combination creates both pressure and opportunity: buyers may have more negotiating power, while homeowners approaching renewal could face higher payments. This guide breaks down how to stress-test your budget, look beyond headline prices, compare local market signals, and choose a strategy that fits your finances. Whether you are buying, selling, renewing, or waiting, informed decisions matter more than market panic. Review your numbers early and consult a qualified professional before taking action.
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