The mortgage market in 2025 isn’t what it used to be. If you’re buying a home, renewing a mortgage, or investing in property in Ontario this year, the rules of the game have changed—and staying ahead means understanding the shifts that matter.

If 2024 was the year of uncertainty, 2025 is shaping up to be the year of recalibration. With rate cuts underway, home prices adjusting, and affordability back in the spotlight, the Canadian mortgage landscape is shifting—and fast.

Whether you’re a first-time buyer, an investor, or looking to renew or refinance, staying ahead of the trends can help you make smarter, more confident decisions. Here are the top mortgage trends to watch in Canada in 2025.