A Rare Moment in Real Estate: Prices and Interest Rates Down at the Same Time

A Rare Moment in Real Estate: Prices and Interest Rates Down at the Same Time

November 2025

In today’s real estate market, we’re witnessing something extremely rare — a moment when both housing prices and interest rates are down at the same time.

This combination almost never happens, and it creates a short window of opportunity that smart buyers, sellers, and downsizers should pay attention to.

This insight was strongly echoed at our Office Meeting today with Jason Mercer, TRREB’s Chief Market Analyst, and I’m sharing two key slides from his presentation with you because the data matters — and it’s powerful.

What I’m Seeing Daily in the Market

In my own Market Watch across Toronto and the surrounding areas, I see a very clear shift:

• Every single day, there are more conditional sales
• In the last month, I was asked to complete multiple property market evaluations
• Professional stagers are being pre-booked already for the spring season
• Sellers are quietly preparing now

These are all indicators that the market is waking up and early movement is happening behind the scenes.

For Sellers

If you are considering selling, this is a strategic moment.

Prices have softened, but buyer activity is gaining momentum, and historically, once interest rates begin to stabilize, buyer confidence returns quickly.

That means:

• More showings
• More competition between buyers
• Stronger offers
• And prices are beginning to rise again — likely as early as spring 2026

If your move includes downsizing to a condo, this may be the best timing:

• Condo inventory is high
• Prices are more negotiable
• You can sell your house to strengthen demand
• And purchase your next home at today’s reduced values

For Buyers

This window may be small — and temporary.

Once confidence increases, competition will come back fast, and the days of negotiating will be gone.

Right now:

• There is a selection
• Sellers are open to conditions
• Interest rates are improving
• And prices are still at the bottom

If you’ve been waiting for a sign, this is it.

Local Market Note

Not all neighbourhoods move the same way.

Some haven’t changed in price since 2022, while others have adjusted noticeably.

Every street has its own story — which is why personalised evaluations matter.

Let’s Talk

Whether you’re thinking of buying, selling, or just want to understand what’s happening in your neighbourhood, I’m here to help.

Reach out for a complimentary home evaluation or a market conversation.

Sometimes, the right information at the right time can change everything.

📩 DM or call me anytime with your questions

📍 Serving Toronto & Greater Toronto Communities

Please contact Broker Donna Bulika for advice on selling or buying real estate in Toronto and to book your private consultation by filling out the form below or calling/texting at 416-797-6226, or emailing sold@donnabulika.com