Daniel Foch · Real estate broker, housing analyst
Daniel Foch
"The largest generation in history needs to sell the most expensive houses in history."
The number behind it.
Policy rate2.25%Bank of Canada, 2026-09-02
5-year mortgage6.09%conventional, 2026-09-02
What the desks asked, and when.
30 verified citations across 16 outlets. The ones with a documented month, below.
Where the policy rate stood that day.
2.25%July 2026
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
2.25%July 2026
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
2.25%April 2026
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
CTV News
'Buyers have very little to be confident about right now': expert on February home sales decline
2.25%March 2026
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
2.75%September 2025
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
2.75%July 2025
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
3.25%January 2025
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
4.25%September 2024
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
4.75%July 2024
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
4.50%March 2023
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
The Wall Street Journal
2.50%July 2022
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
0.25%July 2021
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
The Globe and Mail
0.25%November 2020
Bank of Canada target for the overnight rate
Bank of Canada target for the overnight rate
Undated pieces, columns and the full archive: research and press.
Who is answering
A real estate broker, and Chief Real Estate Officer at Valery.ca, an AI-powered brokerage.
Co-host of The Canadian Real Estate Investor: 440+ episodes since 2022, past a million downloads, 4.8 on Apple and Spotify.
B.Comm in Real Estate and Housing, Guelph. MSc Applied Economics, Bath, in progress. Second generation, from the family brokerage in Georgina.
442episodes
1,000,000downloads
4.8rating
How the record describes him.
- "a broker at Foch Family Realty in Georgina, Ontario"The Globe and Mail, November 2020
- "Chief Real Estate Officer of Valery"RENX, April 2025
- "Head Coach at realist.ca"Storeys, contributor page
- "probably one of the leading agents who makes charts as my source of content"Daniel, in REM, December 2024
What he built.
- ValeryChief Real Estate Officer of Valery.ca, an AI-powered brokerage described by CP24 as Canada's first, with an AI assistant for agents and clients and an in-house agent academy.Chief Real Estate Officer
- RealistDeal analysis and market research tools for real estate investors, plus an investor community and meetups hosted with Nick Hill. Home of The Canadian Real Estate Investor podcast.Head coach and community host
- HomiesAn AI back office that runs an agent's busywork: CMAs, listing prep, content, follow-ups. Grown out of the autonomous assistant Daniel used to automate his own admin, as covered by Inman.Part of the founding team
- The HabistatCo-founded housing-data platform giving realtors real-time market charts and trends. TRREB launched it as a member benefit in December 2024; the global license is held by TRREB's technology subsidiary PropTx.Co-founder
- The Canadian Real Estate InvestorDaniel co-hosts The Canadian Real Estate Investor with Nick Hill: more than 440 episodes, twice a week since July 2022, past one million downloads, rated 4.8 on Apple Podcasts and Spotify. Markets, data and deals for one of the country's largest real estate audiences.Co-host, with Nick Hill
Every headline was a point on this line.
| Date | Outlet | Headline | Policy rate |
|---|---|---|---|
| November 2020 | The Globe and Mail | As the pandemic pushes urbanites out of big cities, some look for communities that share their values | 0.25% |
| July 2021 | Toronto Star | Realtors are making big money flipping houses. But should they? | 0.25% |
| July 2022 | The Wall Street Journal | Housing Boom Fades World-Wide as Interest Rates Climb | 2.50% |
| March 2023 | Bloomberg | A Nation's Heavily Indebted Consumers Face a Painful Margin Call | 4.50% |
| July 2024 | Reuters | Supply in Canada's property market surges as mortgage renewals loom | 4.75% |
| September 2024 | BNN Bloomberg | What the Bank of Canada's cut might do to the housing market | 4.25% |
| January 2025 | BNN Bloomberg | Rents are falling, so what does that mean for the housing market? | 3.25% |
| July 2025 | blogTO | Toronto's housing market has completely fallen off a cliff | 2.75% |
| September 2025 | CTV News | 'Don't call it a comeback yet': Real estate expert on August home sales surge | 2.75% |
| March 2026 | CTV News | 'Buyers have very little to be confident about right now': expert on February home sales decline | 2.25% |
| April 2026 | BNN Bloomberg | Impact of BoC rate hold on the Canadian housing market | 2.25% |
| July 2026 | The Margin | Is the government really bailing out condo developers? | 2.25% |
| July 2026 | Newsweek | Who Will Buy Baby Boomers' Houses? The Question That Could Shape the 2030s | 2.25% |
Write to Daniel.
Research and advisory, media and speaking, buying or selling. It lands at danielfoch@gmail.com.