The November 2025 data tells a deeper story about where the Canadian economy and GTA housing market are headed next.

Ciao! Welcome to a new episode of Helping YOU Build Build Wealth Through Real Estate...Brick by Brick with me, Nico James-Bock, Founder of The CondoWiz™ Group and Broker at Keller Williams Co-Elevation Realty in Toronto.

In this episode, we break down what the latest employment numbers, mortgage rate trends, and TRREB housing data are really telling us beneath the headlines.

In this episode, you’ll learn

• Why strong job growth is supporting confidence but not driving housing demand
• What falling prices and flat month-to-month changes tell us about the correction
• Why detached homes are now the weakest segment in the GTA
• How downtown condos are showing early signs of price stability
• The structural factors pushing inventory higher
• What the Bank of Canada’s position means ahead of the December rate decision
• Where buyers, sellers, and investors should focus as the market recalibrates

This is not a crash narrative. It’s a cycle story. And understanding where we are in that cycle matters.

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The Canadian housing market is entering 2026 with mixed signals. National data suggests slow stabilization — while Toronto’s condo sector continues to face significant structural pressure. Rising months of inventory, delayed completions, and valuation gaps are reshaping both investor sentiment and consumer confidence.

Ciao! Welcome to a new episode of Helping YOU Build Build Wealth Through Real Estate...Brick by Brick with me, Nico James-Bock, Founder of The CondoWiz™ Group and Broker at Keller Williams Co-Elevation Realty in Toronto.

In this episode, I break down:
• Why modest sales gains don’t yet signal a recovery
• How higher qualification stress and soft condo valuations are impacting closings
• Why affordability across Ontario has reached a historic low
• The real odds of a December rate cut — and what it means for 2026
• When experts expect the next true turning point

This is the moment to cut through headline noise and understand the underlying trends shaping the year ahead.
Forward-looking strategy > reactive decision-making.

Ciao ciao

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Helping YOU Build Wealth Through #RealEstate #BrickByBrick

Your support means the world. If you’ve found value in these conversations, the best way to keep them going is by subscribing. Support the show 🙏 Click the link to see support options.

Book a time for a quick 15min Chat - Discovery: https://calendly.com/thecondowiz/15min

Social:
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Ciao! Welcome to a new episode of Helping YOU Build Build Wealth Through Real Estate...Brick by Brick with me, Nico James-Bock, Founder of The CondoWiz™ Group and Broker at Keller Williams Co-Elevation Realty in Toronto.

The government just doubled the deficit to pour billions into capital projects, betting on future growth. But the numbers don't lie: Toronto's prices are still dropping. In this episode, we connect the dots between Ottawa's massive $78.3 billion budget, the Bank of Canada's muted rate cuts, and the very real decline in local home values.

What You Will Learn:

• The Real Target: Why the BoC is relying on the Budget's slow-moving stimulus instead of aggressive rate cuts.
• Where the Money Goes: Which key sectors (housing, infrastructure, defence) are getting the $170B+ investment and how that should affect long-term property values.
• The Disconnect: Why October's strong jobs report isn't enough to stop price declines (like the 7% condo drop) in the near term.
• Your Strategy: How to position your real estate investments now to leverage future fiscal growth while navigating today’s fragile market.

Next Steps: The market will closely watch the Inflation Rate data on November 17, and particularly the December 10 Bank of Canada Interest Rate decision, to see if the recent job strength is enough to keep rates steady.

Ciao ciao 👋🏼

Support the show

Helping YOU Build Wealth Through #RealEstate #BrickByBrick

Your support means the world. If you’ve found value in these conversations, the best way to keep them going is by subscribing. Support the show 🙏 Click the link to see support options.

Book a time for a quick 15min Chat - Discovery: https://calendly.com/thecondowiz/15min

Social:
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Every day, we unlock dozens of digital doors — logging in, posting, banking, sharing, connecting. Behind each one sits a mix of convenience and risk. And while most of us don’t think twice before clicking “login,” the truth is: the smallest habits can either keep us safe or cost us time, money, and peace of mind.

Ciao! Welcome to a new episode of Building Wealth Through Real Estate...Brick by Brick with me, Nico James-Bock, Founder of The CondoWiz™ Group and Broker at Keller Williams Co-Elevation Realty in Toronto.

In this episode, How to Stay Safe (and Sane) in a Connected World: 3 Simple Moves to Outsmart ID Thieves, we’ll talk about what it really means to protect yourself without becoming paranoid — just practical.

Here’s how:
1️⃣ Use strong passwords with a password manager and enable 2-factor authentication on every platform.
2️⃣ Save your important social media content to your device before you post it.
3️⃣ If you’re going away for more than 21 days, have someone collect your mail, or put a hold or forward in place.

These small moves don’t just protect your data — they protect your time, focus, and sanity.

📍 Recorded in Toronto | Hosted by Helping You Build Wealth Through Real Estate… Brick by Brick

Support the show

Helping YOU Build Wealth Through #RealEstate #BrickByBrick

Your support means the world. If you’ve found value in these conversations, the best way to keep them going is by subscribing. Support the show 🙏 Click the link to see support options.

Book a time for a quick 15min Chat - Discovery: https://calendly.com/thecondowiz/15min

Social:
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Toronto may dominate headlines — but Calgary is quietly leading a real estate revolution. 🏙️💥

In this episode of Helping You Build Wealth Through Real Estate… Brick by Brick, host Nico James-Bock, Broker with Keller Williams Co-Elevation Realty, sits down with Realtor® Matthew Baker of Manor Hill Realty — the exclusive brokerage representing Rohit Homes in Calgary.

Together, they unpack:
✅ Why more Ontario investors are turning westward
✅ The builder reputation and design philosophy behind Rohit Homes
✅ How Matthew’s personal investment journey offers real-world insight
✅ What makes Calgary’s market more attainable and profitable
✅ Tips for buyers seeking growth beyond the GTA

🎧 Whether you’re a first-time buyer, Realtor, or investor, this episode reveals how new construction in Calgary and Edmonton is redefining opportunity in 2025 and beyond.

Matthew Baker, Sales Representative

Manor Hill Realty Inc.

matthewejbaker@outlook.com | (647) 217-8807

Subscribe for more insights at Real Estate with Nico — helping you build wealth through real estate… Brick by Brick.

Support the show

Helping YOU Build Wealth Through #RealEstate #BrickByBrick

Your support means the world. If you’ve found value in these conversations, the best way to keep them going is by subscribing. Support the show 🙏 Click the link to see support options.

Book a time for a quick 15min Chat - Discovery: https://calendly.com/thecondowiz/15min

Social:
https://linktr.ee/nicojamesbock

After one of the sharpest corrections in Canadian housing history, signs of life are returning to the market — but this recovery looks different.
In this episode, Nico James-Bock breaks down what’s really driving the Fall 2025 market shift, from falling interest rates and renewed buyer confidence to new financing tools changing how Canadians access home equity.

Whether you’re a buyer, seller, investor, or simply following the economic pulse, this episode helps you understand where we are now, and what’s next for Canadian real estate.

Ciao! Welcome to a new episode of Building Wealth Through Real Estate...Brick by Brick with me, Nico James-Bock, Founder of The CondoWiz™ Group and Broker at Keller Williams Co-Elevation Realty in Toronto.

💡 In This Episode You’ll Learn:

✅ Why the GTA and Golden Horseshoe are still under pressure despite stronger national sales
✅ How the Bank of Canada’s rate cuts are reshaping affordability and confidence
✅ Why 2025 may be the “rebuilding year” and what that means for housing demand in 2026
✅ What new financing models like Home Equity Sharing Agreements (HESA) mean for homeowners
✅ How regional markets — from the Prairies to Atlantic Canada — are performing differently
✅ What buyers and sellers should really focus on as inventory levels remain high

📈 Key Takeaways:

• The market correction is lasting longer than expected, but optimism is building.
• Falling rates and softer inflation are laying the groundwork for a confidence rebound.
• Smart positioning and not speculation will separate winners from watchers in 2025.

🎧 Listen, Watch, and Engage

👉 Watch the full episode on YouTube or listen wherever you get your podcasts.
💬 Drop a comment with your thoughts on where you think the market is heading.
👍 Like, subscribe, and share this episode with anyone who wants to build wealth through real estate… brick by brick.

Ciao ciao

Support the show

Helping YOU Build Wealth Through #RealEstate #BrickByBrick

Your support means the world. If you’ve found value in these conversations, the best way to keep them going is by subscribing. Support the show 🙏 Click the link to see support options.

Book a time for a quick 15min Chat - Discovery: https://calendly.com/thecondowiz/15min

Social:
https://linktr.ee/nicojamesbock

Buying or selling a home in Ontario? Before you sign anything, there’s one essential document that protects you — the RECO Information Guide. In this short but powerful episode, I unpack what’s inside, why it matters, and how it helps you make confident, informed decisions in any real estate transaction.

Ciao! Welcome to a new episode of Building Wealth Through Real Estate...Brick by Brick with me, Nico James-Bock, Founder of The CondoWiz™ Group and Broker at Keller Williams Co-Elevation Realty in Toronto.

🏡 What You’ll Learn:

1️⃣ Working with a Real Estate Agent

• Why Ontario agents must be registered, insured, and trained
• What agents do for sellers (marketing, pricing, negotiating) and buyers (financing prep, showings, offers)
• Your key client protections: loyalty, disclosure, confidentiality, conflict avoidance

2️⃣ Know the Risks of Representing Yourself

• What it means to be a self-represented party
• Why you won’t receive advice or protection from the other side’s agent
• The risks of revealing motivation or price limits
• You can always change your mind and become a client

3️⃣ Signing a Contract with a Brokerage

• Understanding representation agreements and their scope
• Types of representation: Brokerage vs Designated
• What to look for: services offered, fees, expiry date, termination rights, and holdover clauses
• Fees are always negotiable, not fixed by RECO

4️⃣ Understanding Multiple Representation

• When a brokerage or agent represents both buyer and seller
• Allowed only with written consent from all parties
• Reduced duties — no undivided loyalty or advice on price
• Options if you don’t agree, like referral to another agent or brokerage

5️⃣ How to Make a Complaint

• Brokerages and agents are accountable to RECO
• Start by contacting the brokerage’s Broker of Record
• If unresolved, file a complaint directly with RECO
• RECO investigates under the Trust in Real Estate Services Act, 2002

🎯 Why It Matters

This episode is a consumer primer, highlighting the key protections built into Ontario’s real estate system, helping you buy or sell with confidence, clarity, and peace of mind.

🎙️ Listen now to understand the RECO Information Guide before your next real estate move.

Ciao ciao 👋🏼

Support the show

Helping YOU Build Wealth Through #RealEstate #BrickByBrick

Your support means the world. If you’ve found value in these conversations, the best way to keep them going is by subscribing. Support the show 🙏 Click the link to see support options.

Book a time for a quick 15min Chat - Discovery: https://calendly.com/thecondowiz/15min

Social:
https://linktr.ee/nicojamesbock

Canada’s economy is at a pivotal moment. Inflation has cooled below 2%, the Bank of Canada has trimmed rates to 2.5%, and yet unemployment is rising while GDP growth remains fragile. In this episode, we break down what Fall 2025 really means for homebuyers, sellers, and investors in the GTA.

Ciao! Welcome to a new episode of Building Wealth Through Real Estate...Brick by Brick with me, Nico James-Bock, Founder of The CondoWiz™ Group and Broker at Keller Williams Co-Elevation Realty in Toronto.

We’ll cover:

• How sustainability and supply chain shifts are shaping housing construction timelines and costs.
• Why GTA sales-to-new-listings ratios and months of inventory point to a buyer-skewed market.
• The latest on mortgage rates, bond yields, and what to expect after the October 29th Bank of Canada announcement.
• How federal initiatives like the Build More Homes plan, rental rebates, and infrastructure funds are designed to unlock new supply.

Whether you’re an investor eyeing opportunities, a homeowner looking to sell and/or refinance, or a first-time buyer hoping for affordability, this episode gives you the insights you need to build wealth through real estate at Canada’s economic crossroads.

We’ll revisit when September’s stats are released and after the Bank of Canada’s October 29th announcement. If you found this helpful, like and share this episode. And I’d love to hear your thoughts—whether you’ve got a mortgage renewal coming up, are wondering about affordability, or just want to share your take on the market. Ciao for now!

Support the show

Helping YOU Build Wealth Through #RealEstate #BrickByBrick

Your support means the world. If you’ve found value in these conversations, the best way to keep them going is by subscribing. Support the show 🙏 Click the link to see support options.

Book a time for a quick 15min Chat - Discovery: https://calendly.com/thecondowiz/15min

Social:
https://linktr.ee/nicojamesbock