December 30, 2024
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Housing Crisis Returns: Government Steps Up Restrictions in Hot Canadian Real Estate Markets!

Housing Crisis Returns: Government Steps Up Restrictions in Hot Canadian Real Estate Markets!

As government workers across Canada returned to the office back in October, a curious trend emerged in the real estate market. A month later, we find ourselves facing a resurgence of overheated real estate markets, with certain regions booming and others lagging behind. Let’s explore how this shift has impacted the sales to new listings ratio (SNLR) and what implications it may have for the future of Canadian real estate.

  1. The Sales to New Listings Ratio (SNLR)
    • The SNLR is a key indicator used by the Canadian Real Estate Association (CREA) to gauge demand in the housing market.
    • Falling within the 40-60% range indicates a balanced market, while above 60% signals a seller’s market with rising prices.
    • On the other hand, a ratio below 40% signifies a buyer’s market with falling prices.
    • Factors such as rate of change and seasonality can influence the SNLR, providing valuable insights into market dynamics.
  2. Canadian Real Estate Markets Re-Enter Frothy Territory
    • The national SNLR has seen a significant uptick in recent months, reaching 67.3% in November—a clear indication of a seller’s market.
    • This surge in demand can be attributed to credit stimulus and pent-up buyer demand, driven by expectations of lower mortgage rates in the near future.
    • While most markets have experienced an increase in the SNLR, a few government towns have seen substantial growth, tightening the housing market significantly.
  3. Markets Impacted By Public Sector, Back-To-Office Orders Saw The Sharpest Tightening
    • Regions heavily reliant on public administration, such as Victoria, Quebec City, and Ottawa, have witnessed a considerable spike in the SNLR.
    • Government initiatives aimed at anchoring workers to major cities through back-to-office orders have played a significant role in boosting real estate demand in these regions.
  4. Toronto and Vancouver Real Estate Markets Are Underperforming
    • Despite having sizeable government employment, major cities like Toronto and Vancouver have seen less improvement in demand compared to other regions.
    • Toronto’s SNLR dropped by 10.4 points, placing it in a balanced market, while Vancouver remained on the cusp of balance with a 9.2-point increase.

In conclusion, while Canadian real estate markets have tightened significantly, the sustainability of this trend remains uncertain. Sentiment-driven rallies can be fleeting, and various fundamental factors like population growth and employment trends could alter the market dynamics in the future. As we navigate through these evolving market conditions, it’s crucial to stay informed and prepared for any potential shifts in the real estate landscape.

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