The Flow: Real Estate and Money Show

Trump's proposed 50-year mortgage lowers monthly payments slightly but adds hundreds of thousands more in interest, helping banks and builders while hurting first-time buyers. Canada once had 40-year mortgages and could follow if supply issues persist. Longer terms do not fix affordability and only raise prices without major housing supply reforms.

Canada's 2025 budget just dropped with a staggering $78.3 billion deficit - and it changes everything for homeowners and buyers. With only $20 billion in new stimulus (most not hitting until 2027), the Bank of Canada may be forced to cut rates below 2.25% just to compensate for weak fiscal policy. I break down the three critical things you need to know: the GST rebate for first-time buyers (and why it might not actually help), what this means for your mortgage rates and renewals, and why this budget could actually hurt house prices in the short term. Plus, with 1.2 million mortgages renewing in 2025-2026 and immigration cuts reducing demand, the next 12-24 months could be rough - but there's a surprising opportunity for 2027-2028 buyers. If you're buying, selling, or renewing your mortgage, this budget impacts you directly. Here's exactly what to do next.

For the first time in three years, variable rates are cheaper than fixed, and inquiries have tripled. But the same day the Bank of Canada cut rates, bond yields spiked, and Scotiabank is now forecasting rate HIKES in 2026. With only a 34 basis point spread between variable and fixed, this might be the tightest decision you'll ever make. In this episode, I break down the real math, the actual risks, and give you a framework to decide what's right for YOUR situation, because getting this wrong could cost you $25,000+.Retry

Home ownership in Canada has collapsed from 69.5% to 65.8% in just a decade, with first-time buyers dropping from 40% to only 10% of the market while $83.9 billion in capital fled the country in four months. Despite the Bank of Canada cutting rates to 2.5%, record inventory levels and sophisticated investors running for the exits signal that the traditional path to Canadian home ownership may be permanently broken.

The Bank of Canada cut its policy rate to 2.25%, signaling the end of its easing cycle amid growing recession fears and structural economic challenges. While variable-rate holders will see small payment relief, rising bond yields and collapsing housing activity suggest the move reflects desperation, not recovery.

Canadians now owe $1.74 for every dollar they earn with household debt hitting $3.07 trillion, and that car loan or credit card is quietly killing your mortgage qualification by $50,000 or more. Here are 12 legal strategies to reclaim your borrowing power and why 2 million Canadians renewing in 2025-2026 might not requalify at their own bank.

In this conversation, Alex McFadyen delves into the troubling practices within the Canadian mortgage market, particularly focusing on the use of inflated property values to back mortgages. He discusses the concept of blanket appraisals, the implications for buyers, and the advantages that developers gain from this system. The conversation highlights systemic risks, the differences between power of sale and foreclosure, and the potential consequences for buyers who find themselves underwater on their mortgages. Ultimately, McFadyen argues that the Canadian housing market is experiencing a managed decline rather than an honest correction, with regulators facilitating a transfer of risk from developers to individual buyers.

Canada just hit a record 91,969 listings in September with only 43% selling, the weakest ratio since 1995, and consumer confidence has collapsed to just 16% believing the economy will improve. This isn't a crash, it's a slow grinding correction that's already reshaping the entire Canadian housing market, and here's exactly what it means for buyers, sellers, and homeowners right now.

Canada just crushed job expectations with 60,400 new positions when economists predicted only 5,000, and the fallout is already reshaping mortgage rate predictions for the rest of 2024. In this episode, we break down why the October 29th rate cut odds plummeted from 70% to 53% overnight, why the Bank of Canada just admitted their inflation measurement framework is fundamentally flawed, and what this means for your variable versus fixed mortgage decision right now.

BMO Capital Markets just declared Canada's housing bubble has been deflating for three years, and we're only halfway through a correction that could last until 2030. In this episode, we break down why the bank says Toronto prices are down 27% from peak, which markets are hit hardest, and what this means for homeowners, investors, and first-time buyers navigating a multi-year downturn.

Last week's OSFI announcement had investors thinking rental property investing was dead, but this week's clarification reveals the real impact is more nuanced yet still significant. Here's exactly how the new capital classification rules will affect your ability to build a rental portfolio and why costs are about to go up starting November 1st.

Canada's banking regulator just finalized new mortgage rules for 2026 that will make it nearly impossible for average Canadians to build rental property portfolios... but won't stop institutional investors like BlackRock. If you own a rental property or are thinking about buying one, you need to understand how this will affect you before it's too late.

The Bank of Canada just slashed rates to 2.5% - the lowest in three years - but choosing between fixed and variable mortgages could cost you $25,000 over the next five years if you get it wrong. Alex breaks down the exact decision matrix he uses with clients, revealing why variable rates could save you $12,000 in some scenarios or lose you $10,000 in others, depending on what happens next. Plus, discover the three key questions you must answer to determine which mortgage strategy is right for your specific situation and why the "obvious" choice might be the costliest mistake you make.

86% of Canadian borrowers are unknowingly overpaying $15,000 on their mortgages by choosing the "safe" 5-year fixed term, and recent jobs data has exposed exactly why this is happening. In this episode, I break down the hidden mechanics of mortgage pricing that banks don't want you to understand, and reveal which mortgage terms are secretly underpriced right now due to market mispricing. Learn the exact framework I use to help clients save $8,000-$12,000 on their mortgages by avoiding overpriced terms and making data-driven decisions instead of emotional ones.

Friday's jobs report flipped September 17th rate cut odds from 23% to 86% in just 72 hours after Canada lost 66,000 jobs when economists expected a gain of 7,500. Alex McFadyen breaks down why this economic earthquake means the relief you're waiting for is already priced in, and why the next two weeks could be your last chance to capture better variable rate discounts before lenders adjust their pricing.

77% of Canadians are waiting for September 17th, thinking it means cheaper mortgages and falling home prices, but they're wrong. Host Alex McFadyen breaks down why the Bank of Canada's next rate decision is a trap that's keeping buyers and renewals frozen while smart money moves now, revealing the real math on mortgage savings ($78/month on a $600K home), why variable rates might not save you anything, and why waiting for rate cuts could cost you thousands while missing current opportunities in a paralyzed market.

Mortgage rates just hit 3.69% for the first time since 2022, but this could be the worst news for unprepared buyers and investors who don't understand the trap being set. I break down why these "promotional" rates are actually corporate desperation before fiscal year-end, and reveal the three strategies you need to implement in the next 60 days before the biggest payment shock in Canadian history hits in 2026.

Most Canadians are banking on their home to fund retirement. In this episode, Alex McFadyen explains why relying solely on home equity is risky with renewals, rising payments, and falling values. He shares practical guardrails, smarter strategies like downsizing, refinancing, HELOCs and reverse mortgages, and explains how to build a real plan instead of hoping your house saves you.

In this episode, we break down how Canada's housing crisis has become a self-inflicted disaster. From the foreign buyer ban and CMHC's tighter financing rules to the mortgage stress test, we reveal how contradictory policies are stalling construction, cancelling projects, and driving prices higher... and what buyers and investors can do to navigate it.

Alex McFadyen breaks down the surprising aftermath of consecutive Fed and Bank of Canada meetings, revealing why Canadian mortgage rates are now tracking US policy more than Canadian decisions. This data-heavy episode explores eight key takeaways from recent central bank announcements, including why fixed rates might stay higher longer, which regions offer the best real estate opportunities, and why variable rates could outperform over the next 18 months. Essential listening for mortgage holders facing renewals, real estate investors, and anyone trying to navigate the volatile rate environment with practical strategies for buyers, sellers, and investors in today's unpredictable market.

CMHC just revealed the exact timeline for mortgage rate bottoms that 90% of brokers missed. Rates hit bottom Q2 2025, full recovery by Q3 2026 - buried on page 12 of their summer report.I break down their 4-region analysis, the 2% national price decline prediction, and why developer distress is creating massive opportunities for positioned investors.

The Canadian mortgage market has experienced a dramatic reversal, with banks now suggesting rate hikes are back on the table instead of the expected rate cuts, driven by core inflation hitting 3.4% - well above the Bank of Canada's 2% target. This shift is particularly concerning given that 2026 will see record-high mortgage renewals, meaning millions of Canadians could face significantly higher payments than anticipated. The housing market remains in limbo with regional variations (some areas up 10-15%, condos down 5.2%), creating what may be a brief window of opportunity for buyers before costs potentially increase further.

Are you ready for your mortgage renewal? With up to 60% of Canadian mortgages renewing by the end of 2026, many homeowners are facing payment increases of up to 40%. This episode breaks down the renewal crisis, exploring the risks and outlining concrete strategies to navigate the changing market. Host Alex McFadyen dives deep into the pros and cons of fixed, variable, and hybrid loans, and shares insider tips on how to negotiate with your bank, decide between refinancing or switching lenders, and ultimately turn this financial challenge into a strategic advantage. Learn what you need to do now to protect your finances and secure the best possible terms for your future.

Canada's housing market has reached a breaking point. In this episode of The Flow: Real Estate & Money, Alex McFadden exposes the harsh realities behind the affordability crisis. A $1.011 million home is now considered "affordable" despite requiring two six-figure incomes and a $202,000 down payment. Foreign buyer taxes and bureaucratic permit delays have only worsened the problem.Alex breaks down the systemic failures locking out an entire generation from homeownership and examines potential solutions, from streamlining approvals to aligning immigration with housing construction. This is an unfiltered look at who's being left behind and what it will take to fix Canada's broken housing market.Listen for the hard truths about real estate, policy failures, and the path forward.

Feeling the pressure of mortgage decisions? This episode of the Flow Mortgage Co. podcast offers clear insights into the June 2025 Canadian mortgage market. Host Alex explains the financial risks of delaying your mortgage decisions, why waiting for "perfect" market conditions is a losing game, and how understanding rate risk can save you thousands. We dive into the latest data from variable rate demand shifts to GDP contractions and equip you with strategies for navigating potential rate scenarios. Tune in to learn how to secure flexibility and avoid common pitfalls in today's unpredictable market.

In this episode, Alex McFadyen of Flow Mortgage Co. addresses whether Canada is heading for a real estate and recessionary crisis, acknowledging that many Canadians are struggling with rising rents and mortgage costs. He breaks down the CMHC Home Affordability Report, which confirms severe housing supply issues, noting an annual shortfall of 200,000 new homes and that a 2030 timeline for resolution is no longer realistic. McFadyen also clarifies misconceptions about interest rates, explaining that fixed rates are trending upwards due to sticky inflation and surging oil prices, indicating rate cuts are not imminent. Despite headlines suggesting a crisis, he points out that over the past five years, real estate values are up across the country, and he emphasizes that affordability cannot be fixed without addressing the supply issue. Ultimately, Alex advises listeners to prepare for the market rather than trying to time it, as waiting could prove more costly, and he highlights that smart investors are actively seeking opportunities in the current climate.

They say you should wait for mortgage rates to fall, but what if that's the most expensive myth in Canadian real estate right now? In June 2025, fixed mortgage rates are actually RISING, and it has little to do with the Bank of Canada's announcements.In this episode, Alex McFadyen pulls back the curtain on what's really happening in the market. Learn about the critical factors you're probably not watching, like government bond yields, oil prices, and swap spreads; that have a bigger impact on your wallet. Waiting for the "perfect moment" could cost you over $5,000 in extra interest payments.This is the timing playbook you need to navigate today's volatile market and make smarter financial moves.

The Bank of Canada held rates, but don't let that fool you... the market isn't anticipating cuts, and inflation is far from over. In "Fixed, Variable, or Broke?", we'll dissect the BoC's unspoken signals and reveal why fixed mortgage rates might rise, not fall. Discover why adaptability, not just a low rate, is your winning strategy in a market where debt is quietly sabotaging mortgage readiness. Tune in for clarity on your mortgage choices and a plan to navigate the hidden risks ahead.

This podcast episode dives into the current Canadian mortgage landscape, focusing on the pivotal decision between fixed and variable mortgage rates. The host analyzes how recent market changes, including Bank of Canada's interest rate holds and shifts in bond yields, are influencing this choice. The episode breaks down current uninsured mortgage rates, historical trends over the last 20-25 years, and forward market projections to help listeners gauge potential future rate movements. A key emphasis is placed on understanding prepayment penalties and the importance of choosing a lender with fair penalty clauses, regardless of whether one opts for a fixed or variable rate. The discussion weighs the pros and cons of each rate type, considering factors like budget stability for homeowners, cash flow predictability for investors, and the flexibility to adapt to life changes. Ultimately, the episode aims to equip Canadians with data-driven insights to make more informed mortgage decisions.

Explore the challenging realities of Canada's current housing market as Alex McFadyen unpacks the latest 2025 CMHC homebuyer study. Discover why a staggering 65% of first-time homebuyers are pushing their finances to the absolute limit and how a "co-ownership boom" sees over 54% teaming up with non-traditional partners just to enter the market. In a landscape Alex calls "survival of the fittest," gain crucial insights and practical strategies to navigate these turbulent times and make smarter homebuying decisions.

This podcast dives into the critical juncture facing Canadian real estate, exploring whether the market is headed for a significant downturn or a period of recovery. Host Alex McFadyen breaks down five key factors that could lead to a market collapse, such as the impact of US tariffs on inflation and mortgage rates, the lengthy time it takes Canadians to save for a down payment, and declining sales in major markets. Conversely, he examines five reasons for potential market stabilization or a comeback, including the recent initiation of interest rate cuts by the Bank of Canada, persistent under-building of new homes relative to demand, and high immigration levels bolstering housing needs. The episode provides listeners with data and insights into these conflicting pressures to offer a clearer understanding of the current state and possible future of real estate in Canada.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 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.