Slide 1
Canada’s banking watchdog flagged risks in pre-construction condo appraisals potentially breaching 80% loan-to-value mortgage rules.

Slide 2
Blanket appraisals worked during rising prices but create challenges as condo markets soften.

Slide 3
Pre-construction condo prices dropped 10–30% from 2022 peaks, increasing valuation risks at closing.

Slide 4
Regulatory scrutiny encourages stronger valuation practices, supporting more stable mortgage lending decisions.

Slide 5
Experienced brokers help buyers navigate shifting rules, identify value opportunities, and secure compliant financing.