As someone who’s spent a lifetime rooted in the Cowichan Valley, I keep a close eye on how the broader Canadian housing market shapes our own community. Heading into 2026, we’re seeing a stable national market, but affordability remains a real challenge. In fact, one-third of Canadian homeowners will be renewing their mortgages soon, and 67% are understandably concerned about higher rates. With nearly half having less than a 15% buffer in their payment budgets, it’s easy to see why the pressure is mounting—especially for newcomers and recent buyers. Having helped many folks navigate these uncertainties, I know how vital it is to understand both the numbers and the local experience. Every family’s situation is unique here in the Valley, and I’m always focused on making the process as smooth as possible, no matter the climate.
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