For buyers, that means talking to a mortgage broker now about how the stress test and semi-annual compounding affect your actual borrowing power, not just the rate advertised. Knowing your real number before you tour homes saves you from falling for a property you can't actually close on.
For sellers, the wedge is unpermitted improvements. Public records and sites like HouseSigma and Realtor.ca only see what the City of Saskatoon has on file, so a renovated kitchen or finished basement without a permit on record can leave real equity unpriced if you skip a hand-reviewed valuation.
Both sides benefit from acting on current numbers rather than last year's assumptions, since new listings are up 12.3 percent year over year and the market is shifting month to month. Get your hand-reviewed valuation from Joel Dyck.