Posted 5-year Mortgage Rates:
January 2025: 6.79%
January 2026: 4.56%
Savings per $100K per month: $130.69

2025 Year-End Market Insights
Bottom Line
For many buyers, especially financially qualified ones, the North Shore is currently a favourable market to buy because:
Inventory is elevated and sales are below historical norms, creating buyer leverage.
Prices have softened or stabilized compared with recent highs.
Mortgage rates are more predictable and lower than in the past year.
Forecasts suggest modest market improvement ahead, so buying before broad demand re-emerges may be advantageous.
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