Canada’s housing “soft landing” is starting to look like a hard crash in certain pockets — Oakville, Cottage Country, and parts of the GTA — with power-of-sale listings and big losses showing up after peak 2020–2022 buys. Add in 2026 mortgage renewals, rising delinquencies, and a rental market that’s flipping as inventory builds, and you’ve got a messy setup: sellers under pressure, investors bailing, and affordability still not “fixed.”
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