Suban Sinnadurai
Share
Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Suban Sinnadurai, Mortgage brokers, Toronto, ON.
$60,000 in debt at 19 percent interest is costing you $950 a month just in interest alone.
That is $11,400 a year going nowhere.
Now move that same debt into your mortgage at around 5 percent.
That drops to roughly $250 a month.
A difference of $700 every single month.
Same debt. Just structured differently.
People think they need to pay everything off first. In reality, they just need to structure it properly.
Comment “strategy” if you want to see your numbers broken down like this.
Suban Sinnadurai | Mortgage Broker
Structured advice. Long-term strategy.
LIC # M14000866
10+ Years of Experience
1,000+ Clients Served
📞 416-305-3103
🌐 subansinnadurai.ca
Homes are quietly disappearing from the market right now.
Not because people are not buying. Because fewer are actually being built.
CMHC’s latest 2026 outlook is projecting Ontario housing starts to fall toward near 20 year lows.
Condo presales have dropped sharply, and developers rely on those presales to secure financing.
When presales slow down, projects get delayed or cancelled altogether.
Add in rising construction costs, tighter lending, and weaker investor demand, and builders are hitting pause.
What you see today is not the real problem. It is what is happening behind the scenes in the pipeline.
The homes not being built today are the listings that will not exist 12 to 24 months from now.
When rates stabilize and demand picks back up, supply may not be able to keep up.
The smartest decisions come from understanding not just today’s market, but where supply is headed next.
Book a consultation and we will build a strategy around what is coming, not just what is here today.
Suban Sinnadurai | Mortgage Broker
Structured advice. Long-term strategy.
LIC # M14000866
10+ Years of Experience
1,000+ Clients Served
📞 416-305-3103
🌐 subansinnadurai.ca
04/30/2026
Ontario housing starts are falling toward 20 year lows, and most buyers have no idea what that means for the next two to three years.
Annualized housing starts are running at less than 30 percent of the province’s 175,000 unit annual target.
That is a major gap between policy goals and actual construction.
Family-sized housing has all but vanished. Single detached, semi-detached, and townhouse construction has collapsed in recent months.
Developers are getting squeezed by soaring construction costs, development charges, land transfer taxes, and municipal fees.
Higher interest rates are hitting both buyers and developers, reducing demand and raising the cost of construction financing.
Less supply being built today means tighter inventory in two to three years.
When demand returns, the market will move faster than most people expect.
If you are planning to buy or refinance, this is the window to build a strategy before conditions shift.
Book a consultation and we will map out your next move.
Suban Sinnadurai | Mortgage Broker
Structured advice. Long-term strategy.
LIC # M14000866
10+ Years of Experience
1,000+ Clients Served
📞 416-305-3103
🌐 subansinnadurai.ca
Click here to claim your Sponsored Listing.
Category
Contact the business
Telephone
Website
Address
Toronto, ON
