As we round the fall months heading into the end of the year, with a Bank of Canada interest rate reduction in September and another on Oct. 29, prospective homebuyers on the new homes and resale fronts are wondering – is now the time to execute their well-thought-out plans.

Uncertainty from the threat of U.S. tariffs remains, though, causing some buyers and builders to pause.

Opportunities for buyers

If there was pent-up demand before, these circumstances are only causing it to grow even further, as prospective buyers wait for clarity before making their move.

“The Greater Toronto Area housing market in late 2025 is offering opportunities for buyers willing to take measured risks,” industry consultant and analyst Ben Myers says in his Stat Chat column on page 20. “After years of explosive growth, the market has entered a correction phase. Some of the long-standing drivers of price appreciation have reversed: Population growth has slowed, sales have stalled and even the rental market has cooled. Yet beneath these short-term adjustments, the same fundamentals remain: Limited land, strong long-term demand and a diverse population that still needs housing. For many, today’s lull may represent a brief pause before the next climb.”

Indeed, currently, it’s a buyers’ market, and there are choices and deals, particularly for inventory homes that are ready to move in.

“Our move-in ready homes are moving fast in this buyers’ market,” Richard Mariani, sales and marketing manager at CountryWide Homes, told NextHome. “Homebuyers see the unique opportunity to be able to get into a brand-new CountryWide Home that comes with appliances, air conditioner, full warranty, zero development charges and thousands of dollars in upgraded finishes.

“Whether they’re looking for a freehold townhome, semi or detached home, there’s flexibility to move in before the holidays or early 2026 in some of our most in-demand and premium communities throughout the GTA.”

Offerings and enticements

CountryWide, of course, is not the only builder with such offerings.

One company, The Tricar Group, is taking move-in ready to another level with an innovative approach. The company is launching sales of new condominium homes – after the building is complete (see page 16).

“By building Gordon Square III without a pre-sales phase, we’re not only accelerating the delivery of much-needed housing, we are giving buyers peace of mind,” says Tricar’s President Adam Carapella. “They can walk through the finished suites, move in quickly and avoid the uncertainty of waiting years for a home. It’s a smarter, more reliable way to buy, focused on the needs of homeowners.”

Georgian Communities, for example, offers a collection of move-in-ready homes, including semi-detached designs, at its Windfall community at Blue Mountain.

And Doug Tarry Homes offers move-in ready Quick Possession Homes – single-family home, semi-detached or townhomes – at a number of its communities in southwestern Ontario.

Terra View Homes, for example, has Designer Series Homes of “move-in ready, quick occupancy, quality family homes. Comprised of our most sought-after and in demand floorplans, every Designer Series home is finished in today’s most trending designer finishes both inside and out.”

Branthaven offers a series of Quick Start Homes that are move-in ready, with 30- to 120-day closings. These may also include luxury upgrades and more than $500,000 in price reductions.

National Homes, too, is offering significant enticements at some of its developments, including $200,000 cash off and a bonus value at its Northshore Townhomes community in Burlington.

Incredible value

“While some might see the uncertainty as a reason to wait, savvy buyers know that these conditions create opportunities to secure fantastic pre-construction deals,” says Debbie Cosic, CEO and founder of In2ition Realty. “Developers are offering incentives to attract buyers, and those who act now can lock in incredible value before the market shifts again.”

Some builders are also offering appealing incentives to buy sooner than later. These vary from builder to builder, however, and are sometimes shared with buyers only in sales offices. They are also available for the proverbial “limited time only and subject to change without notice,” so it’s best to check with builders directly.

CountryWide, for example, had earlier partnered with TD Bank to offer firm mortgage approvals up to 24 months.

Another builder, The Remington Group, is offering a free car or $85,000 in cash value, at its Gallery Towers development in downtown Markham.

And Doug Tarry Homes has a promotion on firm agreements
of purchase and sale of its Quick Possession Homes, from now to Jan. 31, 2026, offering discounts from $5,000 to $50,000.

MOVE-IN READY OPPORTUNITIES

BRAMPTON
Queens Lane, by Branthaven
branthaven.com

BURLINGTON
Millcroft Towns, by Branthaven
branthaven.com

COLLINGWOOD
Windfall, by Georgian Communities
georgiancommunities.ca

GUELPH
Gordon Square III, by The Tricar Group
tricar.com

GUELPH
Hart Village, by Terra View Homes
terra-view.com

GUELPH
Nima Trails, by Terra View Homes
terra-view.com

OAKVILLE
West & Post, by Branthaven
branthaven.com

OAKVILLE
Upper West Side 2, by Branthaven
branthaven.com