OAKVILLE & GTHA REAL ESTATE BLOG

As summer winds down, the Greater Toronto Area (GTA) real estate market is shifting once again—this time with an important boost from the Bank of Canada’s recent interest rate cut. On September 17, 2025, the Bank lowered its policy interest rate to 2.5%, marking a significant move that is expected to reinvigorate buying activity across the region. Market Snapshot: August 2025 (TRREB)  According to the Toronto Regional Real Estate Board (TRREB), August brought encouraging signs of stability: Sales: 6,232 transactions across the GTA, a 4.6% increase from August 2024. New Listings: 13,119, down slightly year-over-year, helping balance supply. Average Selling Price: $982,880, nearly flat compared to last year (+0.4%). Trend: Balanced conditions are giving both buyers and sellers room to maneuver, with the recent rate cut expected to stimulate fall demand. City & Regional Highlights Toronto  Toronto continues to see steady demand for condos and townhomes, appealing to buyers looking for affordability in the core. Detached homes are moving more cautiously, but price stability suggests confidence returning to the market. Mississauga  Mississauga remains a buyer-friendly market, especially in the detached and semi-detached segments. With borrowing costs easing, families upsizing or relocating may find strong value in the fall. Oakville  Luxury demand in Oakville is regaining traction. The combination of limited inventory and lower financing costs positions this market for an active fall season, especially for executive homes and lakefront properties. Burlington  Burlington continues to attract buyers migrating west from Toronto. The city’s blend of affordability, lifestyle, and community feel has kept prices steady and competitive. Muskoka  Cottage country remains strong, with buyers eyeing investment properties and second homes. While activity softened slightly through the summer, the rate drop could encourage more buyers to act before year-end. What This Means for Buyers & Sellers With interest rates now at their lowest level in two years, affordability is improving across the GTA and Muskoka. Buyers who were waiting on the sidelines are expected to re-enter the market this fall, while sellers may benefit from increased competition for well-priced homes. At Regan Irish & Associates, we specialize in helping clients navigate market shifts with confidence. Whether you’re buying a luxury home, selling a family property, or investing in Muskoka, our market insight and negotiation expertise ensure you get the best results.  1320 Cornwall Rd Unit 103, Oakville, ON L6J 7W5  905.842.7677  Visit reganirish.com——

The August 2025 GTA Real Estate Market Update reflects renewed momentum and affordability in Toronto, Oakville, Mississauga, Burlington, and Muskoka. Thanks to steady interest rates and appealing home prices, July proved surprisingly dynamic. Let’s dig into the numbers and what they mean for you. Interest Rates Remain Stable — Affordability Fueling Activity In July 2025, the Bank of Canada maintained its key rate at 2.75%, its third consecutive pause. With lower borrowing costs now more accessible, affordability is encouraging a wave of renewed buyer activity. GTA Market Overview: Sales Surge, Prices Slightly Dip Home Sales: 6,100+ transactions region-wide, marking a 10.9% increase YoY and the strongest July since 2021. Month-over-Month: Seasonally adjusted sales rose 13% from June to approximately 5,744 units, the biggest monthly gain in nine months. New Listings: Up 5.7% YoY, totaling 17,613 new offers. Price Trends: The MLS® Home Price Index (HPI) Composite Benchmark fell 5.4% YoY. The average GTA selling price dropped 5.5% YoY to around $1,051,719. Word on the street indicates the HPI drifted slightly lower—about $979,000, down 0.2% from June. What It Adds Up To: Buyers are back in force—sales are outpacing new listings while prices softened, creating renewed market opportunities. City Highlights Toronto A more balanced landscape—but some segments remain soft. Condos and detached homes see inventory rising; semis are steadier. Oakville, Mississauga, Burlington & Muskoka While TRREB doesn’t break down by city in these reports, regional trends suggest: Mississauga & Burlington: Strong rise in listings and dipping average prices give buyers leverage. Oakville: Stability in demand for luxury keeps discounts modest. Muskoka: Continued strong interest in sub-$2M waterfront properties should benefit from broader GTA momentum. What This Means for You For Buyers: Renewed affordability, rising inventory, and favorable interest rates make August a prime time to move. For Sellers: A more balanced market—strategic pricing and quick response will be key to success. For Investors & Cottage Buyers: Strong July sales in the GTA point to increasing investor interest; Muskoka remains a high-value lifestyle and investment destination. Work With the GTA Real Estate Experts Whether you’re planning to buy a Muskoka cottage, invest in a luxurious Oakville property, or explore options across Toronto, Mississauga, or Burlington, now is the time to act. Regan Irish & Associates specializes in luxury, resale, and investment properties across the GTA and Muskoka. Our market insight and negotiation skills help you get the best results—whether buying, selling, or investing.  1320 Cornwall Rd Unit 103, Oakville, ON L6J 7W5  905.842.7677  Visit reganirish.com  Let’s make today’s market your opportunity—contact us today!

Downsizing is on the rise across Canada, with more homeowners seeking simpler, more affordable living. This guide explores why and when to downsize, how to plan the move, and what to consider when choosing your next home.

Two of the most respected names in real estate, Alex Irish & Associates and The Regan Team, are excited to announce a strategic merger that will combine their expertise, resources, and market reach. This partnership of Regan Irish & Associates brings together the strengths of both firms, offering an enhanced real estate experience for clients across Southern Ontario, including expanding into new regions like Collingwood and Muskoka. The merger reflects both brokerages’ long-standing commitment to providing high-quality, relationship-focused service while leveraging new technologies and business strategies to ensure their clients receive unparalleled support. “Alex is the consummate professional,” said Matthew Regan, CEO of The Regan Team. “She embodies the qualities of a person I would trust with my own home sale, and I am excited to partner with her to combine the best of both our brokerages. Our goal is to create a work culture that allows our agents to thrive, while being confident and equipped to provide the service our clients deserve. Our clients are going to benefit immensely with a wider and deeper net of potential buyers and an even further reach in marketing and advertising.” Alex Irish, Founder of Alex Irish & Associates, emphasized that this partnership is the next natural step for her business. “By combining our resources and efforts we knew we’d be able to create a better real estate experience for our clients, our agents and business partners.” she explained. “This merger allows me to focus more on client relationships while also mentoring our agents who can continue to offer that same high level of service. Matthew has built a business model that aligns with my long-term vision, allowing us to scale while still maintaining the personal touch. Simply put, we are better together.” Alex has built her brand over decades, particularly in the Oakville area, where her name is synonymous with excellence in real estate. Her personal approach, based on referrals and repeat business, has earned her a loyal clientele. Matthew has focused on recruiting top agents and scaling his business, growing The Regan Team to one of the top brokerages in Canada. This merger offers an exciting opportunity to grow into new territories. Together, the merged brokerage will have 15 offices spanning from Niagara to Toronto to Muskoka. This expanded presence means more resources for clients, from enhanced marketing capabilities to a wider net of potential buyers. The merger will officially take effect on October 31, 2024, and the new branding and operations will be rolled out in the coming months. About Alex Irish & Associates Alex Irish & Associates, led by Alex Irish, is a highly respected name in Oakville, known for its personalized, referral-based business model and long-standing relationships with clients. Alex has built her brand on trust, excellence, and attention to detail, qualities that will remain at the forefront of the merged firm. About The Regan Team The Regan Team has a long-standing reputation for innovation, process-driven operations, and a focus on agent recruitment and development to provide the highest level of service for their clients. Under Matthew’s leadership, the brokerage has expanded its presence across Ontario, providing agents with the tools and support needed to succeed in a competitive market. For more information on this exciting merger, please contact Matthew Regan.

Selling your home can be exciting (and overwhelming). This step-by-step guide walks you through every stage of the selling process, from prepping your property and choosing the right price to navigating market conditions and closing the deal.

Considering an investment property in Oakville is an excellent choice due to its diverse range of neighbourhoods and amenities that appeal to various demographics. Here are some key points that our team at Alex Irish and Associates recommends you consider: 1. Neighbourhoods Oakville’s many neighbourhoods cater to different preferences and needs. Whether you’re targeting business professionals, young families, newcomers to Canada, or students — the right option for you is available. In South Oakville, especially in areas like Old Oakville, you’ll come across a mix of custom-built and historic homes. Meanwhile, North Oakville is known for its newer, subdivision-style properties. When planning your investment, it’s key to think about the type of tenant you’re aiming to attract in each area. 2. Proximity to Amenities Oakville offers essential amenities like schools, parks, shopping, and recreational facilities, all of which boost the quality of life and make the area even more appealing to potential buyers and renters. 3. Educational Institutions Oakville is home to some of Canada’s top public and private schools, making it a draw for both local and international families. Plus, with Sheridan College nearby, there are great opportunities to invest in smaller condos that are perfect for students and young professionals seeking convenient and more affordable housing.  4. Transportation Oakville’s accessible transit links to Downtown Toronto and proximity to several international airports are significant advantages for residents, particularly those in business. 5. Growth Oakville’s expanding economy presents opportunities not only in terms of real estate investment, but also for professional careers. This growth can positively impact property values and rental demand over time. Takeaways Oakville’s diverse neighborhoods, exceptional amenities, superb schools, and convenient transit options make it an ideal location for real estate investment. Whether you’re looking for long-term rental income or future resale potential, Oakville deserves to be at the top of your list. As your selling and listing agents, Alex Irish and Associates is here to provide expert real estate advice tailored to your needs.