The Flow: Real Estate and Money Show

Did the Bank of Canada just cancel the Mortgage Renewal Apocalypse we were all worried about? Host Alex McFadyen from Flow Mortgage Co. unpacks important insights from the latest CMHC Financial Stability Report. Alex delves into critical topics such as the high household debt in Canada, trade policy volatility, and the upcoming wave of mortgage renewals set to hit in 2025-2026. He explains how these factors could impact homeowners, providing actionable strategies to manage mortgage renewals and potentially save thousands of dollars. The episode is rich with data and predictions, dissected to help listeners prepare for the future financial landscape. Additionally, Alex advises on the importance of understanding one's financial status and exploring refinancing options well in advance of their renewal dates.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug*********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

The Liberals retained power in Canada! But will they even make a dent in housing? Alex McFadyen, owner and Mortgage Advisor at Flow Mortgage Co., delves into Prime Minister Mark Carney's bold plan to build 500,000 homes annually in an effort to resolve Canada's decade-long housing crisis. Alex examines Carney's strategies, comparing them to historical attempts by the liberal government, and evaluates their feasibility based on current data and expert opinions. He covers various facets of Carney's proposal, including the creation of a new Crown Corporation, low-cost loans, prefab construction, immigration policy adjustments, and potential GST cuts. Join Alex as he breaks down the potential success and pitfalls of this ambitious plan, and what it could mean for Canada's housing market. Tune in for a comprehensive analysis and practical insights on whether Carney's plan is the solution Canada needs or just another lofty promise.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Is Canada actually in a real estate bubble like everyone says it is? Host Alex McFadyen dives deep into the pressing question. The discussion encompasses key factors including price to income ratios, debt to GDP ratios, mortgage stress, and the impact of recent political developments. Alex provides a thorough examination of both sides of the argument, presenting evidence for the possibility of a bubble as well as reasons why Canada might not be in one. He also highlights the role of immigration, fixed-rate mortgages, and economic growth in shaping the current real estate landscape. Whether you're a homeowner, investor, or simply curious about the market, this episode offers valuable insights to help you understand the complexities of the Canadian housing market.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Did the Bank of Canada make the worst decision? Alex delves into the Bank of Canada's (BOC) recent decision to pause interest rates at 2.75%, exploring its implications on the Canadian real estate market and mortgage strategies. We discuss the context of a weak growth outlook, rising job losses, and falling inflation, as well as the potential impact of the upcoming Canadian election. Key topics include the 'sticky' core inflation, consumer and business expectations, and the possible outcomes of this pause, drawing from historical data. We also examine the strategic considerations for mortgage holders, the potential for rate cuts, and the resulting effects on home affordability and the real estate market. The episode provides insights on fixed vs. variable rates, the effect of tariffs, and the psychological dynamics among consumers and businesses in this uncertain economic climate.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, host Alex McFadyen from Flow Mortgage Co. welcomes Bruno Valko, Vice President of Sales at RMG Mortgages, to discuss the complexities of the Canadian real estate market and mortgage rates amid economic uncertainties. The conversation explores the impact of the US Federal Reserve's decisions on Canadian bond yields, mortgage rates, and real estate values. They cover various topics, including the role of the Bank of Canada, the effects of tariffs, the challenges for first-time home buyers, and the potential for interest rate changes. Bruno provides expert insights on strategic mortgage planning, the importance of risk tolerance, and navigating market volatility. This episode is essential listening for anyone looking to understand the current Canadian real estate landscape and make informed decisions about their mortgage.Bruno Valko, the VP of sales of RMG Mortgages. FIRST, make sure to check out Episode 16 and 42 of The Flow when we first had Bruno on.Bruno and his team at RMG Mortgages are well known for their data-driven analyses of where the Canadian economy is at and how those trends will impact different areas of the economy. If you want to find out more about these reports, be sure to get in touch.To learn more about RMG Mortgages and the options available in private mortgage lending, make sure to get in touch with Bruno and check out RMG Mortgages at the options below:Website: rmgmortgages.caFacebook: @RMGMortgagesYouTube: @RMG_MortgagesAlex's Social Media: @themortgagepugReady to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Are we about to experience a massive recession? Alex McFadyen, also known as the Mortgage Pug, delves into the severe market downturn that saw over $6 trillion wiped off North American stocks. The US administration's firm stance on tariffs under Trump is causing substantial consumer confidence issues, likened only to COVID and the 2008 recession. The episode explores the interconnectedness of these economic shocks with the real estate market, especially in British Columbia, where uncertainty is cooling sales and increasing inventory. Alex discusses the implications of potential interest rate changes, the relationship between tariffs and inflation, and the fragility of the job market. The show also touches on the practical considerations for buyers and sellers in this volatile climate, including the sensitivity of mortgage rates to economic policies and the significance of having a clear budget and holding power.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

This episode discusses the forthcoming changes in Canadian real estate and economy, stemming from Pierre Poilievre's recent bold promise to reduce or eliminate capital gains taxes. This move could benefit small business owners and investors, addressing Canada's GDP challenges over the past decade. The episode provides historical context for current capital gains tax rules, compares them to the U.S. 1031 exchange, and explores potential positive outcomes for the economy. It also reviews the opposition response from NDP leader Jagmeet Singh and critiques various political promises related to housing and real estate. Finally, listeners are encouraged to research and consider the broader economic impact of these proposed changes.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Join Alex McFadyen as he dives into the latest in Canadian real estate and mortgage news. In this episode, Alex covers the recent announcement by Mark Carney to potentially eliminate the 5% GST for first-time home buyers on new development properties. He analyzes whether this move will impact the market and compares it with similar promises from conservative leader Pierre Poilievre. Additionally, Alex discusses the cancellation of BC's secondary suite program and offers insights into inflation trends and their possible effects on interest rates. With detailed feedback from industry experts and developers, Alex offers a thorough breakdown of the current housing market landscape. Tune in for strategic advice and a complete understanding of what's happening in Canadian real estate and mortgage markets today.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Is there a brand new MAJOR opportunity for Canadian First Time Homebuyers? Join Alex McFadyen, owner and Mortgage Advisor at Flow Mortgage Co., as he dives deep into how the Bank of Canada's recent rate cuts and ongoing tariff disputes are impacting Canadian homeowners. Alex discusses the financial pressures on small business owners and average Canadians, the implications for the real estate market, and how these changes provide both challenges and opportunities for buyers and investors. With notable insights on fluctuating interest rates, market uncertainty, and evolving buyer behavior, this episode offers valuable advice for making informed mortgage decisions in 2025.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen, owner of Flow Mortgage Co., reviews how recent tariff announcements from the Trump administration have influenced Canadian interest rates and the housing market. He discusses the market's volatile reaction to tariffs, the Bank of Canada's responses, and what these changes imply for mortgage rates. Alex also offers strategic advice for those in the real estate industry or considering mortgages during this period of economic uncertainty. The episode covers key market movements, the effect of bond yields on mortgage rates, and the potential outcomes of the Bank of Canada's upcoming announcements. Finally, Alex details his predictions on short-term market behaviors and offers practical tips for making informed mortgage decisions in this turbulent environment.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Are the Tariffs finally happening or not? Host Alex McFadyen, delves into President Trump's March 3rd announcement regarding the implementation of tariffs on Canadian imports, including a 25% tax on goods and a 10% tax on energy products. The discussion covers the immediate market reactions, such as the drop in bond yields and the subsequent impact on mortgage rates. Alex outlines potential consequences for the Canadian economy, including a possible trade war, inflation risks, and job losses, particularly in manufacturing provinces like Ontario and Quebec. The episode also explores what these developments mean for Canadian homeowners and buyers, including the likelihood of fixed and variable mortgage rate changes. Alex emphasizes the importance of staying informed and being flexible in the current market landscape.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen tackles the pressing issue of 1.2 million Canadian mortgages renewing in 2025 with significantly higher interest rates. He discusses the potential impact on the housing market, the financial strain on households, and various coping strategies. The episode also explores the effects of inflation, tariffs, and economic uncertainty on the real estate market, offering practical advice for homeowners facing renewal. Alex emphasizes the importance of understanding mortgage options, negotiating with banks, and considering fixed versus variable rates. Key statistics and insights from the Royal LePage consumer survey are highlighted to provide a comprehensive view of the challenges and opportunities ahead.Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Today we get a chance to welcome back David Smith to The Flow, a Realtor at the David Smith Homes Group and co-owner of Royal LePage Wolstencroft brokerage. Alex McFadyen, your host, and David, delve into the current Canadian real estate market dynamics, focusing on key issues like low sales ratios and the overflow of inventory, particularly in major metropolitan areas. The conversation explores the economic impacts of Trump's tariffs, the seasonal fluctuations in real estate transactions, and the recent trends among first-time buyers. The duo also discusses the implications of new regulations like the 30-year amortization for CMHC-insured mortgages and the challenges facing pre-sale properties. Finally, they touch upon the role of macroeconomic factors and media influence in shaping market sentiment and speculate on the market's trajectory for the first half of 2025.David Smith, PREC, is a Realtor with the David Smith Homes Group. David is also co-owner of the Royal LePage Wolstencroft brokerage based in Langley, BC. You can find David's website at: davidsmithhomes.caAnd on social media: @davidsmithhomesYour host of The Flow is Alex McFadyen, a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Alex McFadyen, mortgage broker and owner of Flow Mortgage Co., dives into the complex mortgage landscape of 2025 amid economic uncertainty brought on by fluctuating tariffs and varying interest rates. He discusses the 'mortgage renewal cliff' phenomenon and offers detailed strategies for choosing between fixed and variable rates. Alex also examines the impact of U.S. trade policies under the Trump administration, inflation trends, and provides insights into the historical performance of different mortgage options. Listeners will find guidance on key factors such as IRD penalties, risk management, and the benefits of hybrid mortgages.Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug**********Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show!https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-courseFor daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgagecoDon't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen, mortgage broker and owner of Flow Mortgage Co., provides an in-depth analysis of how Trump's proposed tariffs on Canadian goods could impact the mortgage market. After multiple attempts to record this episode due to constant changes, Alex discusses the potential economic repercussions, including inflation spikes and the effect on mortgage rates. He offers practical advice for homeowners and buyers, whether considering fixed or variable rate mortgages, and explores strategies for refinancing and cash flow management. Real estate's role as a stable investment during times of uncertainty is also examined. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, host Alex McFadyen delves into the upcoming Bank of Canada rate cut and its implications on variable rate discounts. McFadyen explains why these discounts are disappearing and how it affects borrowers. He also explores the broader economic impacts of potential tariffs introduced by Trump, including their effect on the Canadian GDP. Listeners will gain insight into the complexities of choosing between variable, fixed, and hybrid mortgage options amidst an uncertain economic landscape. Encouraging a deeper understanding, McFadyen stresses the importance of working with knowledgeable mortgage professionals. Additionally, he provides an overview of the new 90 percent refinance program by CMHC launching in early 2025, aimed at opening more doors for Canadian homeowners. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., delves into the potential impacts of US tariffs on Canadian exports, focusing particularly on real estate and mortgages. He discusses the possibility of a 6% GDP contraction and its implications on mortgage rates, job losses, and consumer spending. Alex also explores how tariff-induced economic changes could present both risks and opportunities for homebuyers and investors. The analysis includes historical comparisons, potential rate changes, and investor strategies in light of these developments. Stay informed with crucial dates such as the upcoming tariff announcements and BOC rate decisions. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen from Flow Mortgage Co. delves into the historical patterns of real estate interest rates over the past 30 years and their implications for future market conditions. The discussion aims to equip viewers with the knowledge needed to navigate rate cycles, make better mortgage decisions, and handle potential economic fluctuations. McFadyen underscores the importance of understanding inflation, economic growth, and global trends in relation to interest rates in both Canada and the U.S. He also explores various mortgage strategies and the benefits of rate diversification to cater to different financial goals. Additionally, McFadyen emphasizes the necessity of being well-informed and prepared for the financial uncertainties ahead. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode of the podcast, host Alex McFadyen dives deep into the factors likely to influence mortgage rates and the real estate market in Canada for the year 2025. Covering topics from Canada's economic outlook and disinflationary vs. reinflationary forces, to anticipated regulatory changes and rate predictions, Alex offers a comprehensive analysis. He also looks at key influences such as US trade tariffs, AI-driven productivity, and the anticipated resurgence in real estate transactions. The episode concludes with actionable advice for borrowers on choosing between fixed and variable rates. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

And just like that 2024 has come to a close. Alex McFadyen from Flow Mortgage Co. delves into the complexities of the 2024 real estate market, discussing its sluggish start and notable events that have shaped the landscape. Key points include government interventions, trends in interest rates, and significant policy changes, such as BC's property transfer tax exemptions and the federal government's introduction of a 30-year amortization for new builds. Alex also emphasizes the impact of these dynamics on buyers, sellers, and investors, setting the stage for a potentially transformative 2025 in real estate. He invites listeners to share their thoughts and predictions for the coming year in the comments section. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., discusses five major guidelines that many people overlook when qualifying for a mortgage. These include myths about employment duration, options for self-employed individuals, using child tax benefits, the impact of debt on qualification, and leveraging rental income from appraisals. Alex emphasizes the importance of understanding different lenders' criteria and offers practical advice for applicants to enhance their mortgage qualification chances. Tune in for in-depth insights and surprising tips to help you qualify for your next mortgage or refinance. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

On December 11, 2024, Tiff Macklem and the Bank of Canada (BOC) cut interest rates by half a percent, bringing the overnight rate to 3.25%. This change has significant implications for variable rate mortgages and lines of credit, while fixed rates remain influenced by bond yields. Banks are also adjusting discounts on variable rates due to increased demand. Furthermore, new mortgage rules introduced 30-year amortizations for insured loans and first-time buyers with less than 20% down. Economist Derek Holt from Scotiabank calls it a hawkishly large cut, sparking discussions about future rate trends and potential impacts from international factors like U.S. tariffs. The episode also covers how these changes may affect the Canadian real estate market, with projections indicating a possible early spring market favoring sellers and increased property transactions. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, host Alex McFadyen of Flow Mortgage Co. discusses the highly anticipated Bank of Canada (BOC) rate announcement, its impact on the housing market, and the mixed reactions of various stakeholders. He delves into the recent Canadian job report, highlighting a spike in unemployment and its implications for the BOC's decision to potentially cut interest rates. McFadyen also examines the introduction of new insured mortgage rules effective December 15, including the 30-year amortization update, and their potential influence on the real estate market. Lastly, he touches on changes to the stress test for uninsured mortgage transfers and what this means for homeowners. The episode is packed with critical insights to help navigate the upcoming shifts in the Canadian real estate landscape. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Host Alex McFadyen welcomes back mortgage expert Rob McLister. Rob, editor at MortgageLogic.News, discusses the influence of U.S. politics and economy on Canadian mortgage rates, notably assessing the potential impacts of Trump's policies and the electoral climate on future rates. Alex and Rob explore how Canadian interest rates are closely tied to U.S. economic performance, mortgage decision strategies amidst volatile interest rates, and the utility of tools like amortization simulators. Additionally, they delve into the challenge posed by abundant, yet often inaccurate, consumer information in the digital age and the enduring value of professional mortgage advice relative to automated solutions. Rob McLister, BBA, is an interest rate analyst, mortgage strategist, and Editor of MortgageLogic.news. ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Alex McFadyen of Flow Mortgage Co., dives deep into various significant developments in the Canadian real estate and economic marketplace towards the end of 2024. Key topics include the resurgence of consumer confidence amidst decreasing mortgage rates, an uptick in real estate sales, and notable shifts in bond markets. Additionally, the discussion highlights the Canadian government's recent $4.3 billion spending initiative that distributes $250 checks to Canadians, examining its potential impacts on the mortgage and real estate markets. The episode concludes with insights on rising HELOC uses and speculation on future interest rate cuts by the Bank of Canada. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, host Alex McFadyen and guest Adam Scalena, a Vancouver-based realtor and co-host of the Vancouver Real Estate Podcast, delve into the current state and future projections of Vancouver's real estate market. Adam and Alex reflect on the predictions they made about Vancouver Real Estate in 2024 from Episode 15 of The Flow. They discuss the impact of interest rates, the resilience of Vancouver's housing prices, and the challenges faced by both buyers and sellers in different submarkets. The conversation also touches on the dynamics of the pre-sale market, the rental market shifts due to policy changes, and opportunities for potential buyers and investors. Adam provides expert insights into market trends, the influence of political decisions, and the intricacies of tenant-landlord dynamics in Vancouver. Adam Scalena is real estate obsessed. Adam co-manages ⁠⁠Scalena Real Estate⁠⁠ founded in 2011, a real estate team that prides itself on expertly advising sellers and buyers on all aspects of the dynamic and fast-paced Vancouver real estate market. Adam's professional achievements include being recognized by The Real Estate Board of Greater Vancouver as a top 10% agent since his rookie year, as a Double Centurion Agent awarded to the top 1% in Canada (Century 21), and the coveted spot as Oakwyn's Top 30 Agents. Adam has also dedicated much of his career as a mentor to new agents, many of whom have gone on to be top-producing industry leaders. Adam is real estate obsessed. He has an extensive background in residential and commercial real estate investing, building, and renovating in Vancouver and throughout the province. His network has expanded over the years to include many of the best agents, contractors, engineers, lawyers, and architects in the industry throughout British Columbia. In 2016, Adam co-founded the Vancouver Real Estate Podcast, the first of its kind, which has become a global success with over 500+ five-star reviews, 1 million+ downloads, and countless awards and acknowledgments. The Vancouver Real Estate Podcast gives everyone the opportunity to stand on the shoulders of industry giants with timely, weekly conversations with builders, investors, politicians, urban planners, architects, economists, and other industry thought leaders, discussing their successes, failures, motivations, lessons learned and best investment advice. As leading voices in the industry, Adam and Matt have been featured in local and national media and have worked with many of Vancouver's most reputable developers on some of the region's most successful and respected development projects. Adam lives in East Vancouver with his wife, Sabrina, and his two girls, Ivy and Cecilia. The Vancouver Real Estate Podcast (VREP): vancouverrealestatepodcast.com Scalena Real Estate: scalenarealestate.com ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Trump won! Are we in for doom in the Canadian Markets? Alex McFadyen of Flow Mortgage Co. explores the implications of Donald Trump's recent U.S. election victory for Canadian real estate and mortgage rates. The discussion covers the historical correlation between U.S. policies and Canadian mortgage rates, the effect of U.S. treasury yields on Canadian bond yields, and how these changes could influence fixed and variable mortgage rates in Canada. McFadyen dives into the potential impacts on inflation, economic growth, and housing demand. Key takeaways include the importance of monitoring trends and considering fixed-rate mortgages for stability amidst rising volatility. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, host Alex McFadyen of Flow Mortgage Co. discusses the state of the rental market in Greater Vancouver with Keaton Bessey, Managing Broker of Greater Vancouver Tenant & Property Management Ltd. The conversation delves into several topics, including the slow market trends throughout 2024, the impact of an increased supply of rental properties, the correlation between rental and mortgage rates, and the challenges posed by current tenancy laws. Keaton provides insights into the demand dynamics, influences on rental rates, and the effects of recent governmental policy changes, aiming to offer a comprehensive look at the future outlook for renters and landlords in the region. Keaton Bessey is the Managing Broker at Greater Vancouver Tenant & Property Management Ltd. Are you looking for a Property Management company or just interested in the world of Property Management? Reach out to Keaton through the links below: Website: gvantpm.com Email: keaton@gvantpm.com Social Media: @gvantpm ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Join Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., as he delves into the bombshell announcement last week from the Bank of Canada. In this episode, Alex discusses the recent Bank of Canada rate cut on October 23, 2024, and its implications for the economy and housing market. He evaluates future predictions, including potential further rate cuts by December and the effects on borrowers with adjustable-rate mortgages. Alex also provides insights into the Fraser Valley real estate statistics, highlighting negotiation opportunities and market dynamics. Additionally, he covers upcoming changes in mortgage rules by CMHC in 2025 and their anticipated impact. This episode offers a comprehensive analysis of bond yields, fixed versus variable mortgage rates, and strategic mortgage decisions amid fluctuating rates, helping listeners prepare for upcoming financial shifts. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this comprehensive episode, Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., sits down with Heather Blaeser, a realtor specializing in development pre-sales, to dive deep into the complexities and nuances of the real estate market. The conversation covers a vast array of topics, from the historical boom and bust cycles in regions like Revelstoke, Canmore, and Kelowna, to the unique challenges of resort development and market demands. Key episodes include discussions on the rise of tourism and short-term rentals in Kelowna post-COVID-19, the impact of new short-term rental regulations coming into effect in May 2024, and the current struggle of closing deals amidst an affordability crisis and investment-driven purchases. Heather offers valuable insights on developer strategies adapting to new market conditions, financial and regulatory pressures, and shares actionable advice for potential investors on securing financing and making timely strategic decisions. Tune in to explore how industry veterans navigate and thrive in the ever-changing real estate landscape. You can find Heather on Instagram: @heatherblaeser.realestate You can also reach out to Heather through her website: blaeserhomes.ca ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., explores various significant changes impacting the Canadian real estate market. Starting with the Canadian Federal Government's October 8th announcement on the return of insured refinancings, a program which facilitates constructing secondary suites up to 90% of a property's 'as complete' value, Alex examines how these adjustments could benefit homeowners and investors alike. He also delves into new secondary suite incentive programs introduced by the federal government and provinces like British Columbia, analyzing the implications for zoning laws, rental income, and multi-family living opportunities. In addition, the episode covers potential taxation changes, including a proposed tax on vacant land and the underused housing tax, and discusses their broader market impact based on historical precedents from Ireland and South Africa. Throughout the episode, Alex provides critical insights on municipal acceptance challenges, the federal stance on housing solutions, and the anticipated effects on first-time homebuyers, while encouraging audience interaction and feedback. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In today's episode, Alex McFadyen brings on Daniel Foch. Daniel discusses his journey in using social media platforms like Twitter and Instagram to engage with audiences on real estate topics, reflecting on the differences in user engagement and content reception between the two platforms. The conversation also covers the challenges of rapid information and policy changes in the Canadian real estate market since 2020, such as evolving mortgage rates, regulations like the stress test, and the impact of government policies on real estate trends. Daniel offers insights into investment strategies, emphasizing the growth of roommate living arrangements and opportunities in value-add strategies for real estate investors amidst a complex and swift-changing landscape. Make sure to checkout the Canadian Real Estate Investor Podcast wherever you listen to podcasts. Daniel Foch is a Realtor with Rare Real Estate Group in Toronto. Dan is also a co-host of The Canadian Real Estate Investor Podcast. Daniel's Instagram: @danielfochThe Canadian Real Estate Investor Podcast: @canadianrealestateinvestor ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen breaks down the latest changes in mortgage regulations and real estate guidelines introduced by the Canadian government. Starting with new CMHC rules that impact down payments and amortizations, Alex explores what these mean for first-time home buyers and the market. He also discusses the recent announcement by the BC NDP on a new homebuyers platform and its implications. Additionally, Alex dives deep into OSFI's elimination of the stress test for uninsured mortgages, explaining how this benefits consumers and promotes competition among lenders. Tune in to get a detailed analysis of these significant regulatory changes and their potential impact on the real estate market. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., dissects the recent sweeping changes to the Canadian mortgage industry announced by the government, focusing specifically on CMHC-insured mortgages and their impact on buyers. He also delves into a significant rate cut announcement made by the U.S. Federal Reserve, explaining the potential implications for the Canadian financial landscape. The discussion covers down payment requirements, the effects on existing and first-time buyers, and explores strategic considerations in a declining rate environment. Lastly, Alex addresses the potential repercussions for banks, non-bank lenders, and consumers, all while providing actionable insights for those renewing or refinancing mortgages. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen from Flow Mortgage Co. engages Brendon Ogmundson from the BCREA in a comprehensive discussion on the housing market in British Columbia. Make sure to check out Episode 47 of The Flow for Alex's original conversation with Brendon. The conversation begins with some light banter about the Seattle Seahawks' latest game before diving into Brendon's recent YouTube video on the real estate market's challenges. They explore key topics such as the province's labor shortages, the anticipated demand for construction workers, the feasibility of meeting housing start targets, and the broader economic impacts of these issues. The talk further delves into the province's long-term housing affordability and strategies needed to retain young families in the region. They end with a reflection on the potential outcomes for the BC housing market by 2035. Make sure to check out Brendon's recent YouTube videos at: youtube.com/@BCRealEstateAssn/ And to learn more about the BCREA, check out their website at: bcrea.bc.ca ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen from Flow Mortgage Co. humorously discusses the Bank of Canada's mandate to control inflation and its effectiveness over the past years. He provides an analysis of the recent rate cuts, examining their impact on variable and fixed mortgage rates. Alex details the market's current state and future projections, offering advice for homeowners and potential buyers. He highlights the importance of understanding mortgage options in a constantly shifting economic landscape, emphasizing the outlook for further rate cuts and their potential benefits for borrowers. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco For FREE Resources, including the BEST App to calculate everything you need to know for your mortgage, check out the following link: linktr.ee/themortgagepug Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen from Flow Mortgage Co. discusses the anticipated Bank of Canada (BOC) rate cut expected on September 4th, and its potential repercussions for the Canadian real estate and mortgage markets. The episode delves into the recent US economic data, Canadian bond yields, fixed and variable mortgage rates, and strategies for consumers managing renewals. It also touches on long-term real estate market trends and offers advice for current and prospective homeowners. Alex emphasizes the importance of having a strategy and staying informed in a fluctuating market. Listeners are encouraged to engage with the content through reviews and direct contact. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Alex McFadyen from Flow Mortgage Co. delves into the economic challenges In Canada (and the U.S.), highlighting the implications of inflation, job losses, and wage cuts on interest rates. The discussion centers on how the declining rates impact mortgage products, with practical advice for consumers on making informed decisions. Alex emphasizes the importance of keeping a flexible strategy in an ever-changing market, pointing out recent trends in real estate prices, particularly the rebound in detached homes. He also discusses the expected rate cuts by the Bank of Canada and their potential impact on the housing market, advising listeners to stay adaptable and informed. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen from Flow Mortgage Co. and guest Dave Larock from Integrated Mortgage Planners Inc. explore the latest developments in the Canadian mortgage market. They discuss the Bank of Canada's recent interest rate decisions, the impact on inflation and housing costs, and share predictions for the rate cut cycles. Dave offers a deep dive into the complexities of housing supply, immigration trends, and the pros and cons of variable versus fixed-rate mortgages. With valuable advice for current and prospective homeowners, this episode is a must-listen for anyone navigating the real estate market in 2024. Dave Larock is a Mortgage Broker and the Owner of Integrated Mortgage Planners Inc. from Toronto, Ontario. To find out more about Dave and hear his expertise, check out his website at: integratedmortgageplanners.com You can find Dave on Instagram: @davethemortgagebroker ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, host Alex McFadyen from Flow Mortgage Co. welcomes Brendon Ogmundson, the Chief Economist of the BC Real Estate Association (BCREA). They discuss the current state of the Canadian real estate market, focusing on challenges and changes over the past 12 months. Topics covered include the impacts of policy changes, the Bank of Canada's rate decisions, and projections for the rest of 2024. They delve into regional market dynamics, specifically highlighting the Fraser Valley and Vancouver, and the challenges in the construction sector due to labor shortages. The conversation also explores the expectations of rate cuts and how federal and provincial government policies may affect the affordability and accessibility of housing in the near future. To get in touch with Brendon, reach out via email at: bogmundson@bcrea.bc.ca And to learn more about the BCREA, check out their website at: bcrea.bc.ca ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Buckle up! Fixed Rates are plunging, but that's not all good news for the overall Canadian economy. In this emergency rate update episode, Alex McFadyen (The Mortgage Pug) delves into the recent changes in the Canadian economic landscape, ravaged by the recent U.S. stats. Particularly focusing on the impact of bond yields and the U.S. jobs report from early August 2024. This period saw significant drops in bond yields influenced by the Bank of Canada's rate cut and adverse U.S. job data, setting the stage for a possible recession. The episode provides a thorough analysis of the potential effects on Canadian mortgage rates, recommending various term strategies and emphasizing the importance of working with a knowledgeable mortgage broker. It also outlines the anticipated shifts in both fixed and variable rate markets, offering valuable advice for borrowers considering renewing or refinancing their mortgages. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen analyzes the recent decision on July 24, 2024  by the Bank of Canada to reduce interest rates by a quarter percent (0.25%), twice within the past two months. The discussion focuses on the implications of these cuts on the Canadian real estate market, including insights from various surveys and market reactions. Key points include how these rate cuts are affecting fixed and variable mortgage rates, the psychology behind buying decisions, and market projections for the remainder of 2024. The episode also explores broader economic factors such as immigration's impact on GDP and the potential for a balanced real estate market in the near future. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen discusses the upcoming Bank of Canada's (BOC) Overnight Rate decision (on July 23, 2024) and its potential effects on the Canadian housing market. He reviews the trends over the past months, the current state of mortgage applications, and forecasts potential outcomes if the BOC reduces rates again. By examining recent news articles and surveys, Alex gives a comprehensive overview of how interest rates and purchase prices influence homebuyer behavior. He also reflects on the broader economic indicators like inflation, unemployment, and wage growth while addressing homeowners' concerns about the high cost of living and their hesitancy to move. Whether you're an investor, potential buyer, or existing homeowner, this episode offers valuable insights into navigating the current real estate environment. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen delves into a recent Financial Post article about a proposed home equity tax that could drastically alter the Canadian housing market. The proposal, supported by a leftist group and potentially backed by the current Liberal-NDP coalition government, aims to tax principal residences, particularly those valued over a million dollars. This episode breaks down the article, shares insights from Derek Holt of Scotiabank, and examines potential consequences, including impacts on home values, mortgage lending, and the broader housing supply. Listen in to understand what this proposal could mean for homeowners, investors, and the overall economy. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this podcast, your host Alex McFadyen brings back on Bruno Valko, the VP of sales of RMG Mortgages, discusses the dynamics of the Canadian real estate market. FIRST, make sure to check out Episode 16 of The Flow when we first had Bruno on. Bruno and his team at RMG Mortgages are well known for their data-driven analyses of where the Canadian economy is at and how those trends will impact different areas of the economy. If you want to find out more about these reports, be sure to get in touch. Alex and Bruno discuss several key topics impacting the Canadian mortgage market. They start by reflecting on the positive changes in the mortgage landscape over the past four months, including a crucial quarter-percent rate drop by the Bank of Canada. Valko breaks down the interconnectedness of Canadian fixed rate mortgages with U.S. treasury yields, highlighting how recent U.S. political events have influenced these rates. The conversation also covers the significant spread between Canadian fixed and variable rates, public misconceptions about Bank of Canada rate decisions, and the broader economic implications for potential homebuyers. Valko emphasizes the importance of consulting mortgage brokers to navigate these complexities and predicts potential rate drops could further impact the market. An invaluable episode for homeowners, potential buyers, and anyone interested in the dynamics of the mortgage industry. To learn more about RMG Mortgages and the options available in private mortgage lending, make sure to get in touch with Bruno and check out RMG Mortgages at the options below:Website: rmgmortgages.caFacebook: @RMGMortgagesYouTube: @RMG_Mortgages ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

Alex McFadyen (The Mortgage Pug) delves into the Canadian real estate and lending markets' events in the first half of 2024 (January-June). Alex covers interest rate changes by the Bank of Canada, shifts in the bond market, and their impacts on fixed and variable rate mortgages. The discussion also includes the surge in property listings, trends among first-time homebuyers, and the challenges faced by sellers, particularly baby boomers. Additionally, the episode addresses new governmental policies like zoning bylaw changes, restrictions on short-term rentals, and capital gains tax adjustments. The script provides a forward look into market predictions for the second half of 2024 and early 2025, highlighting factors such as immigration, potential interest rate shifts, and anticipated market recovery. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen brings on Kyle Grant from Grant Residential Group. Kyle is an experienced property manager. Kyle delves into the complexities of today's real estate market. From fluctuating rental rates and rising interest rates to new tenancy laws and the impact of government regulations, Kyle provides detailed insights into the challenges and opportunities for both landlords and tenants. He sheds light on common property management misconceptions, discusses the effects of regulatory changes on rental investments, and offers advice on navigating these turbulent times. The discussion also covers the implications of new legislative changes, including extended landlord occupancy requirements and potential benefits of mandatory credit reporting. As rental markets continue to shift, Kyle shares valuable strategies for property owners to mitigate risks and maximize returns over a long-term investment horizon. Find Kyle on Instagram: @theonlykg ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this episode, Alex McFadyen welcomes Ron Butler. Ron dives into the ongoing real estate crisis in Toronto and its broader implications for the Canadian market. He discusses the sharp decline in the value of commercial land and multifamily properties, particularly the 50% drop in condo prices over the past 14 months. Ron explores the potential consequences if a significant percentage of pre-sale buyers refuse to close on their purchases, drawing parallels to the 1993 condo market crash. The conversation also touches on inflated housing prices, high mortgage rates, and the economic dynamics affecting housing supply and demand in Canada, including government policies and development fees. Ron offers a bleak yet realistic perspective on the future of Toronto's condo market and provides insights into potential solutions and opportunities for buyers and developers. ***** Ron is known for his candid and passionate style, often using colorful language and profanity to express his opinions. He covers a range of topics, from the latest developments in mortgage rates to the inner workings of banks and lenders. The show is geared towards both individuals and businesses looking to stay informed and up-to-date on the latest news and trends in the industry. With his extensive knowledge and frank opinions, Ron provides a refreshing and entertaining perspective on the world of mortgages. Ron has over 28 years of experience in the Mortgage Broker world. Ron is the host of the “Angry Mortgage” Podcast. Find that wherever you listen to podcasts and on YouTube (@angrymortgage).Find Ron on Social Media (X, Instagram, TikTok, etc.): @ronmortgageguy ********** Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

This episode of The Flow delves into the Bank of Canada's decision to cut the overnight interest rate by a quarter percent on June 5th, 2024 to 4.75%, its first rate cut since 2020. Alex McFadyen focuses on the immediate and potential long-term impacts of this rate cut on the real estate market, mortgage consumers, and the broader economy. Key points include the effects on adjustable and fixed-rate mortgages, home equity lines of credit, and market activity. Alex also anticipates future movements in fixed interest rates, property prices, and housing demand based on this recent change. ***** If the Bank of Canada's decisions have you concerned, worried, or just want to see what other options are out there. Do not hesitate to get in touch with us at Flow Mortgage Co. through the website link below, our services generally come at no cost to you so it never hurts to have a discussion. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this special preview episode, Alex McFadyen discusses the upcoming Bank of Canada's (BOC) rate announcement on June 5, 2024, and its potential impact on the Canadian real estate market, especially for those with variable rate mortgages. With economists previously predicting more rate cuts earlier in the year, there's now a higher probability of an imminent but gradual rate drop. We explore why this is the case and delve into other significant news affecting the mortgage market, including recent comments from Justin Trudeau about the critical role of housing in Canadians' retirement plans. Tune in for an in-depth analysis of these issues and their implications for real estate owners, buyers, investors, and sellers. *****If the Bank of Canada's decisions have you concerned, worried, or just want to see what other options are out there. Do not hesitate to get in touch with us at Flow Mortgage Co. through the website link below, our services generally come at no cost to you so it never hurts to have a discussion. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.Alex's Social Media: @themortgagepug Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.

In this podcast episode, Alex McFadyen, from Flow Mortgage Co., delves into the imminent crisis in the real estate market, popularly termed as the 'renewal crisis' or 'renewal wall.' He discusses the recent OSFI report and its implications for borrowers, investors, and the housing market. The conversation covers the different types of mortgages, potential impacts of higher renewal payments, and strategies for managing loans during this critical period. Alex provides insights on refinancing, extending amortization schedules, and the impact of variable mortgage rates. He also addresses common misconceptions and offers actionable advice for those approaching mortgage renewals. The episode aims to equip listeners with the knowledge and tools to navigate the challenges posed by the impending renewal surge. ***** If you're coming up for mortgage renewal and you're concerned, worried, or just want to see what other options are out there. Do not hesitate to get in touch with us at Flow Mortgage Co. through the website link below, our services generally come at no cost to you so it never hurts to have a discussion. Alex McFadyen is a seasoned independent mortgage broker with over 11 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co. Alex's Social Media: @themortgagepug Ready to take the plunge into homeownership? Don't miss our comprehensive First-Time Home Buyers Course available at the link below. This essential resource is designed to guide you through the maze of purchasing your first home with confidence and ease. Free for a limited time to listeners of the show! https://alex-s-school-7883.thinkific.com/courses/first-time-home-buyer-course For daily insights, make sure to find us on Instagram, Facebook, and YouTube: @flowmortgageco Don't just dream about your future home, make it a reality! Subscribe to "The Flow: Real Estate & Money Show" for more invaluable insights, and visit our website at getflowmortgage.ca to discover how we can help make your property aspirations come true.