A local business leader is offering strategic insight into financial resilience and workforce retention, as Milton’s housing market continues to show signs of stability despite elevated interest rates and broader economic pressures.
Mohammad Asif, director at the Milton branch of MetaNexus Business Solutions and an expert in digital transformation and strategic leadership, has more than two decades of experience in finance, consulting, and operations. He is also recognized for his people-first leadership approach, which emphasizes mentorship, inclusive culture, and team development.
Asif has held senior advisory roles in the financial services sector. His work centres on helping organizations address turnover, improve compliance, and implement data-driven models to support sustainable growth.
“Organizations that lead with both strategy and empathy tend to see better long-term results,” Asif said.
He applies the same long-term view to real estate, particularly in the town of Milton, where he said market fundamentals remain sound.
“Milton is maintaining stability,” he said in an interview. “While some parts of Ontario have experienced notable price declines, Milton’s average home price remains just above $1.03 million — a modest increase from last year.”
Asif said the town’s steady performance is supported by its growing population of young families, strong infrastructure and ongoing development. Although more listings are available and buyers are becoming more cautious, he said Milton’s market operates on its own dynamics.
“Real estate trends shouldn’t be viewed strictly through provincial averages,” he said.
With mortgage rates sitting around 6.7 per cent, affordability is a growing concern. Asif said some buyers are looking to townhomes or condominiums as more attainable options, while others are pooling resources with family or waiting to see what direction the Bank of Canada takes.
“This is no longer a blanket seller’s market,” he said. “Success now comes from securing pre-approvals, locking in interest rates early and identifying motivated sellers.”
For first-time buyers, Asif recommends looking beyond cosmetics and focusing on long-term value. He also advises making use of federal financial tools, including the First Home Savings Account and the RRSP Home Buyers’ Plan.
“Don’t overlook older homes,” he added. “Neighbourhoods like Clarke, Beaty and Timberlea offer larger lots and value for those looking to build equity.”
Asif said existing homeowners should align decisions around refinancing, upsizing or downsizing with long-term financial goals. While some private lenders may offer favourable refinance terms, he warned that conditions should be carefully reviewed. Those upsizing may benefit from mortgage portability, and downsizers should plan for added costs such as land transfer taxes and condominium fees.
“Anyone up for renewal should compare options instead of automatically accepting current rates,” he said.
Despite economic uncertainty, Asif said Milton remains a strong choice for real estate investors. He cited steady immigration, population growth and major infrastructure projects—such as expanded GO Transit service and Highway 401 upgrades—as key long-term drivers.
He also pointed to recent zoning changes that now permit Additional Residential Units (ARUs), enhancing rental income potential.
“Today’s market demands detailed cash flow assessments,” he said. “Investors must be ready to adapt to financing requirements and policy shifts.”
Asif said the core message for both buyers and sellers is the same: don’t react impulsively.
“Whether you’re a buyer, seller or investor, the key is to look at the big picture,” he said. “Milton remains one of Ontario’s strongest real estate markets. It’s not about timing the market — it’s about staying in it.”
CMP
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