Ep.114 | 2025 Recap & 2026 Predictions: Rates, Housing Prices, & Condo Markets

In Episode 114 of the Canadian Private Lenders Podcast, Ryan and Neal wrap up 2025 by reviewing their bold economic and housing predictions, and grading themselves on what they got right (and wrong).They break down RE/MAX’s controversial condo recovery forecast, analyze rate cuts from the Bank of Canada, unpack national and Atlantic Canada housing trends, and debate what 2026 could look like for home prices, housing starts, immigration, and the Canadian dollar.This episode is a grounded, no-nonsense discussion on where Canada’s real estate and lending markets are heading, and what lenders, investors, and brokers should be paying attention to next.Show Notes:00:00 – RE/MAX Says These Cities Will Lead the Condo Recovery01:30 – Why Toronto & Vancouver Didn’t Make the List03:03 – Do Condo Markets Even Exist in Atlantic Canada?04:13 – Why Condo Price Data Can Be Misleading05:19 – Reviewing Our 2025 Rate Cut Predictions06:55 – Who Nailed the First Bank of Canada Rate Cut07:17 – 100 Basis Points of Cuts: How Accurate Were We?07:37 – Canadian Home Prices in 2025: What Actually Happened08:31 – Nova Scotia Home Prices vs Transaction Volume10:14 – Atlantic Canada Housing Trends Explained10:32 – Housing Starts in Canada: The Real Numbers12:07 – Why Housing Data Is Hard to Trust in Atlantic Canada14:47 – 2026 Begins: Rate Cuts, Hikes, or Flat?16:11 – How Much Room Does the Bank of Canada Have Left?19:14 – Will Canadian Home Prices Rise or Fall in 2026?21:16 – Ontario vs Atlantic Canada Market Psychology22:57 – Immigration, Construction Slowdowns & Demand25:52 – Nova Scotia Housing Market Predictions for 202628:18 – Atlantic Canada Outlook by Province29:24 – Housing Starts in 2026: Boom or Collapse?33:56 – CAD vs USD: Where Is the Dollar Headed?36:21 – Travel, Politics & Economic Sentiment39:53 – Final Thoughts & 2026 OutlookResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: [email protected]