Podcast appearances and mentions of alex mcfadyen

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.

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.

Today's episode of the Flow, Alex takes us on a deep analysis of the current Canadian real estate market, focusing specifically on CMHC's Mortgage Consumer Trends report for 2024. It discusses how the market environment, including government rule changes and tax guidelines, is influencing potential homebuyers and investors, and shares valuable statistics that could surprise many, from realtors to general consumers. Highlighting a shift in sentiment among homebuyers towards pessimism about their purchasing potential, the discussion delves into common sentiments of inaccessibility within the housing market, while effectively debunking myths and emphasizing the importance of mindset, planning, and strategy in overcoming these challenges. The script also offers commentary on a variety of relevant topics, such as the advantages of longer amortization periods, the rising trend of online mortgage shopping, the significance of gifts for down payments, and current fears of interest rate increases. Additionally, it addresses how misinformation and a lack of clear financial strategies are costly for many in the market, providing listeners with a clearer understanding of how to navigate these complex issues. The episode aims to educate and inform listeners, encouraging better financial decisions in real estate investments. 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.

Does the government want to kill housing rentals? With so many powers given to Canadian tenants in recent years, the sustainability to be a landlord has been called into question. In this compelling episode, Alex McFadyen dives deep into the tumultuous landscape of Canadian real estate investing, painting a vivid picture of the challenges and shifts faced by investors in recent years. The discussion zeroes in on the array of government policies introduced to cool down the market and address housing affordability, including provincial speculation taxes, federal flipping regulations, and stringent rent control measures. Amidst an atmosphere of growing negativity towards investors, fueled by both political rhetoric and public sentiment, we explore the implications of these changes for current and prospective investors. Drawing on firsthand insights and a critical analysis of the market response, this episode not only unpacks the hurdles but also highlights potential opportunities lurking in the shadows for savvy investors. For anyone wondering whether Canadian real estate still offers a viable investment avenue, this episode promises to shed light on the complexities of investing in a rapidly evolving 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.

Today's episode of The Flow features a conversation between Alex McFadyen and Eddie Lack. Eddie Lack is a former NHL goaltender playing for teams such as the Vancouver Canucks, Calgary Flames, and New Jersey Devils. Lack also won gold with Team Sweden in the IIHF 2017 World Championship. Lack is now a real estate agent based in Scottsdale, Arizona. They discuss transitioning from professional sports to careers beyond, focusing particularly on real estate investment and development. Eddie shares insights from his past as a hockey player to his current endeavors in real estate, emphasizing the importance of evolving, learning, and maintaining humility. They discuss the differences in team sizes between hockey and football, the journey of developing a new career path, and starting a podcast, 'Game to Gain', interviewing former athletes now involved in real estate. The conversation also touches on the mentality towards money, the lessons learned from property flipping, the challenges of pre-selling properties, and the importance of balancing work with personal happiness. Additionally, they comment on the changing real estate landscape, the influx of Canadians investing in American real estate, and the values of listening, learning, and evolving to achieve success in life beyond sports. Eddie's Instagram: @eddielack31 Eddie's Website: https://www.eddielack.com/ Stay Tuned for Eddie's “Game to Gain” podcast, coming soon! 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.

The Bank of Canada has maintained its rates, aligning with widespread expectations. However, the real estate market has witnessed some interesting dynamics in recent weeks and months in anticipation for rates to fall. Join your host, Alex McFadyen, as he discusses this announcement with Matt Scalena, co-host of the Vancouver Real Estate Podcast, highlighting the potential future ups and downs in the market. The hosts speculate that the housing supply issue might continue to inflame the market even if rates drop. The Bank of Canada, in alignment with its US counterpart, has hinted at a slow decline in rates upon hitting a 2% target for Canada's core inflation. This discussion suggests a heightening real estate market activity in the spring, and it purports that market conditions have surpassed the lowest point. Matt's Instagram: @matt_scalena Vancouver Real Estate Podcast (VREP): @vancouverrealestatepodcast Checkout the Vancouver Real Estate Podcast wherever you listen to podcasts: https://www.vancouverrealestatepodcast.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.

Let's face it - navigating the last few years of interest rate hikes in the mortgage market has not been easy. But, as the Bank of Canada gets inflation under control, and we start to see real opportunities in the real estate market, it's time to strategize around financing and consider the top tips for finding the right mortgage in 2024. This week, Alex McFadyan, owner of Flow Mortgage Co, joins Matt & Adam to discuss his top financing tips for investors, strategies that will save you money, and the property type and location where he is seeing huge opportunity right now. How's the mortgage market? What are key obstacles for investors? And what common mistakes do borrowers make? All this and so much more on today's episode.

This podcast episode features a conversation between Alex McFadyen (your host), and Neel Dhingra, a business expert focusing on educating people about money and mindset through creating valuable content. Neel is the founder of Forward Academy. He discusses his journey, his growth in terms of business, how he became a media coaching expert, and his investment approach. He details how attending conferences and networking led to valuable learning and new opportunities. The podcast covers topics like the importance of investing in self-development, the impact of social media videos in communication and business growth, learning from real estate investments, and the significance of having confidence in personal skills when taking financial risks. Neel's Instagram: @neelhome Forward Academy's Instagram: @forward.usa 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 of The Flow, Alex McFadyen discusses the impact of the changes brought by the BC NDP's 2024 Budget, specifically its impact on the B.C. Real Estate Market. It sheds light on the introduction of the anti-flipping tax and changes to the property transfer tax. Alex praises the property transfer tax exemption for first time buyers and new build properties but criticizes the anti-flipping tax. Being involved in the day-to-day of the real estate market, Alex views the anti-flipping tax as a political move by Premier David Eby (especially considering 2024 is an election year), doubting its effectiveness in making housing more affordable. In conclusion, Alex believes these changes could increase rental rates and negatively affect the supply of real estate. 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 is a conversation between your host, Alex McFadyen, and Denny Dumas, a seasoned realtor in Greater Vancouver, specializing in New Westminster and the Tri-Cities. Denny shares insights from his 10 years in real estate, assessing trends observed in the industry, mistakes he has made in real estate investing, and his predictions for the market's future. Operating in an era marked by skyrocketing interest rates, significant dips in sales volumes, and uncertainties in the Bank of Canada's monetary policy, Denny offers a measured approach by advocating for personal situation-informed decision-making in real estate investment. Despite these challenges, Denny views real estate as a robust long-term investment and commends increasing consumer interest. Denny is a co-owner of the "Garbutt & Dumas Real Estate Team" in Metro Vancouver. Aside from being a top tier Realtor, Denny is the host of three podcasts: Selling Vancouver Real Estate Podcast, the Denny Dumas Podcast, and The Seahawks Social Podcast. Look out for those wherever you listen to podcasts. Denny's Instagram: @denny.dumas The Garbutt & Dumas Real Estate Team Instagram: @gdrealestateteam Garbutt & Dumas Website: www.garbuttdumas.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, your host Alex McFadyen, brings on Deana Steele to discuss the impact of recent policy changes on short term rentals (e.g.: AirBnb, VRBO, etc.) in British Columbia. The discussion largely centers around how the ban on short term rentals impact Kelowna, BC. The changes, set by both provincial regulations and local zoning laws, are primarily aimed at addressing affordable housing issues, but have left many investors and property owners in a difficult situation. With short term rentals essentially removed from all zones, only current license holders can continue their operations. Deana provides insights into the possible directions operators can take, including transitioning into midterm rentals or stable long-term leases. Find our previous episode with Deana here: https://podcasters.spotify.com/pod/show/the-flow-show-real-estate/episodes/Impacts-of-BCs-Crackdown-on-Short-Term-Rentals--feat--Amanda-Van-Der-Lee--Deana-Steele-E03-e2b0q0u This episode features Deana Steele, founder of Keys to Kelowna Properties.  While Kelowna is renowned for its world-class amenities, there's few world-class accommodations that lend itself to them. Deana Steele is here to change that. Keys to Kelowna is Deana's opportunity to share the beauty of her city and one-of-a-kind luxury real estate rentals with the world. As a driven entrepreneur, she's always been able to see new opportunities and build sustainable businesses. With the personal success of her property online, Keys to Kelowna started naturally in 2013. She attracted the attention of Airbnb, who pursued her to help remote real estate investors by managing their properties in their absence. Today, she focuses on hand-selecting inspiring clients, impressive properties and confirming VIP guests, while her team carefully takes care of day-to-day tasks. Deana's Website: ⁠⁠https://www.keystokelowna.com⁠⁠ Deana's Instagram: @keystokelowna 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 Flow: Real Estate & Money Show, Alex McFadyen, your host, discusses the Bank of Canada's (BOC) decision to maintain the overnight rate at 5% in January 2024, and essentially removing rate hikes from its immediate plans. Alex interprets and walks through the BOC's confidence in inflation returning to normal, and speculates about future reductions in interest rates influenced by several factors including the housing market, economic indicators (domestic and abroad), and immigration. Alex also highlights the impact of U.S economic activities on Canada's economic decisions. Differences between adjusting short-term and long-term mortgage rates, and potential penalties for early mortgage termination were also touched on. Alex emphasizes the need for personal financial strategy and planning, especially as we approach recessionary times. 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 Michael “Mike” Ponte, an experienced real estate investor and educator. Mike discusses the current trends and potential opportunities in the real estate market in Canada. He emphasizes the importance of understanding numbers and making informed decisions based on current market conditions and what YOU can handle. The conversation particularly focuses on the impact of increased interest rates on property investments as well as what investing looks like for larger multi-family properties. Mike suggests possibilities such as partnering with other investors, buying properties at a discounted price in challenging times, and why investing in multifamily and land development can be beneficial. The episode also touches on the importance of forward-thinking and planning for worst-case scenarios. Find Michael Pointe on Instagram: @savvy_investors Checkout Michael's Website here: https://thesavvyinvestor.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 podcast, your host Alex McFadyen brings on Bruno Valko, the VP of sales of RMG Mortgages, discusses the dynamics of the Canadian real estate market. 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. Discussing the impact of interest rates on property values, the role of government and corporate entities in influencing housing availability and prices, and the effects of supply and demand, Valko uses his expertise to break down complex economic conditions. His analysis highlights the need for prospective homeowners and investors to not just react to immediate market trends but to understand the deeper economic factors at play. To learn more about RMG Mortgages, make sure to book a call with us at: getflowmortgage.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.

***Start Your Realty Ninja Real Estate Website*** Free Trial and 20% Off your first year: https://www.realtyninja.com/tom Canadians in 2024 are more and more worried about being able to pay their new mortgage payments. In this episode of The Tom Storey Show, Steve Karrasch and Tom Storey discuss mortgages and money with Alex McFadyen of Flow Mortgage Co. Connect with Alex: Web: https://www.getflowmortgage.ca/ Instagram: https://www.instagram.com/flowmortgageco/ YouTube: https://www.youtube.com/@flowmortgageco *** Need Home or Property Insurance? *** Use SQUARE ONE: Tenants, Landlords and Home Owners Save $20 with Square One Insurance using this link: https://www.squareone.ca/thetomstoreyshow?offer_code=TTSS

It's 2024 and let's face it - there are concerns about the state of the market, the economy, and, well, the world. But in times of uncertainty, you can move to the sidelines and cautiously wait it out, or you can take control and find the opportunities that exist in every market. This week, top mortgage broker, prolific content creator, and real estate investor, Alex McFadyen sits down with Matt & Adam to unpack his take on mindset mastery, unwavering persistence, and turning losses into wins. Alex shares his best strategies for setting realistic yet ambitious goals that translate to business, life and real estate. This episode is a must-listen for anyone looking to succeed in the dynamic world of real estate today.

Kicking off 2024, we have part two of Alex McFadyen's conversation with Adam Scalena from the Vancouver Real Estate Podcast (VREP) and Scalena Real Estate. Find the first episode here: https://podcasters.spotify.com/pod/show/the-flow-show-real-estate/episodes/The-State-of-Vancouver-Real-Estate-wAdam-Scalena-E05-e2b9h9r Adam shares his tips on how to thrive in any real estate market, even during downturns. He provides insights on several methods he applies to gain an edge such as taking advantage of foreclosures and estate sales, keeping up-to-date with city plans, and looking for opportunities in areas close to new development. He particularly emphasized that despite high interest rates, now could be an excellent time to buy if you have the available capital and the will to find the right opportunities. He dives deeper into specific areas he sees as potential opportunities such as downtown Vancouver and exploring assignments. 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): https://www.vancouverrealestatepodcast.com/ Scalena Real Estate: https://www.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.

In this podcast episode, Alex McFadyen brings on fellow Canadian, Tom Storey, a successful real estate agent from Toronto. Together, they discuss the shifting dynamics of the real estate market, particularly in light of rising interest rates. He emphasizes the need for long-term thinking when investing in real estate and warns against expecting the rapid growth of the past 10 years to continue. Tom advises his listeners to invest in what they know and possess a good understanding of, and suggests seeking out educational resources to improve their knowledge of investing in real estate. He also broaches the topic of worst-case scenarios and explains that such considerations are crucial when investing. Further, he discusses the uncertainties and predicts some possible outcomes in the real estate market for the year 2024. If you want to change your thinking and grow your wealth by thinking bigger, this is the episode for you. Find Tom on Instagram: @thestoreyteam Find Tom's Podcast “The Tom Storey Show” wherever you find podcasts: https://www.youtube.com/c/thetomstoreyshow Check out Tom's Website here: storeyteam.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 podcast episode, Alex McFadyen brings on David Smith, from David Smith Homes Group, to revisit their “Sweater Scores” from last year and discuss their thoughts and predictions for the housing market in 2024. They discuss how interest rates and inflation might affect the market. They noted that the impact of interest rates would be significant, with both rating it at 9/10 and 10/10 respectively. They express concern about the government's interference impacting specific people in a negative way. They also discuss the shift in work trends due to COVID-19 and the transitioning back to city living. The speakers conclude by discussing their plan to invest in real estate and advise listeners to consider upsizing moves and pre-sale condo opportunities, if it fits within their financial comfort level and capacity. Find David on Instagram: @davidsmithhomes Check out David's Website here: davidsmithhomes.ca If you want to checkout Alex & David's previous predictions for 2024, make sure to check out the old podcast here: https://open.spotify.com/episode/3mfKA5m6uJ5Rfs3bKPabmu?si=isRK-NItS2qv7vlkJ5A4eA&nd=1&dlsi=d4edf228f0c14cc4 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 reflects on the changes the Canadian Real Estate Market underwent in 2023 and makes predictions about the market in 2024. The year 2023 brought unprecedented shifts in the market caused by fluctuating interest rates and governmental interventions which resulted in a dynamic and often challenging market. Alberta is identified as a promising area for investment. Predictions for 2024 indicate a rough ride due to inflation, with generational wealth transfer facilitating first-time home buyers. The speaker also predicts a future trend of micro-developers capitalizing on new provincial land use laws. Advice for listeners includes long-term investing and caution against making rash decisions. Find Alex on Instagram: @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 express relief that the Bank of Canada (BOC) maintained interest rates, alleviating suspense for listeners. Topics of discussions included effects of recent interest rate holds, market predictions, potential market impacts and current observations including rising rental rates, housing costs, and considerations around mortgage renewals. The hosts discuss the issue of decreased bond yields, the possibility of a market collapse, and the continued increases of fixed rates. They share their predictions on how rates might affect the real estate market in early 2024 and advise against locking into a five-year fixed mortgage rate. Lastly, they engage about the increasing competitiveness of mortgage rates in the market, making numerous references to rate forecasts and how these can impact purchasing power. 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.

Today's episode features the Top 3 Mortgage Broker in our favorite nation - Canada. Alex McFadyen gives us insider knowledge on what's happening in our neighboring country. Not only that, as a podcast host of The Flow State, he is passionate about helping people start a healthy relationship with money to build wealth.Here are the highlights of today's episode: 03:00 Have a Relationship with Money 06:26 Passion for Financial Success 13:00 US V Canada Housing Markets 32:01 Opportunities for First-Time Homebuyers48:00 Define Generational Wealth Make sure you watch this episode from start to finish! ----- Follow us on Instagram @kennybsimpson @krystlersimpson ----- About the guest:Alex McFadyen is one of the Top 3 Mortgage Brokers in Vancouver, Canada. He is the host of The Flow State and he is a hardcore real estate investor. Follow Alex on Instagram @https://www.instagram.com/themortgagepug/ ----- SPONSORS: * Prime Corporate Services: Whether you're new to owning a business or owning property or you're an experienced business owner, Prime Corporate Services will help you and make the process so much easier. So, if you book a call the first thing they are going to do for you is help you understand what your business structure should look like, your corporate structure, tax planning, estate planning, and all of that. Maybe you're saying, I'm brand new to starting a business and all of this sounds foreign and complicated. Remember, this company helps new people just get started every day. They will help you form the entity that's best for you and walk you through the process. Visit https://primepartner.info/gitcg to schedule a free call! * Cost Segregation Services: We have been working with Tim Looney at CSSI for a few years now and he has saved our clients and our hundreds of thousands, if not millions of dollars, in taxes doing Cost Segregation Studies. Let me give you a few examples. We bought a property in 2019, if we had just used straight-line depreciation, we would have saved about $18,750. Because we did a cost seg we saved $258,000 – that's $239,350 more than standard straight-line depreciation in the first year! Call Tim Looney at (318) 469-9861 to schedule a complimentary property analysis, and tell him Krystle and Kenny sent you! #realestate #podcast #realestateinvesting #housingmarket #inventory #sandiego #networking #raisingmoney #sandiegorealestate #realestateinvestor #success #commissionlawsuit #successmindset #investingtips #alexmcfadyen #marketing #canada #vancouver --- Support this podcast: https://podcasters.spotify.com/pod/show/getinthecashflowgame/support

Welcome to The Flow: Real Estate & Money Show. In this inaugural episode your host, Alex McFadyen, gives us a quick review of what you can expect from The Flow. Whether you're a first time buyer, buying your second home, or a seasoned real estate professional, you're going to want to Subscribe. We're going to be regularly bringing on expert guests from all over. The Flow is for people in Canada who are: looking to understand the homebuying process, to demystify real estate investing, and to make mortgage financing accessible for anyone. The goal here is to help people understand: ways to make their money work for them, get in the market sooner, and open up the box on how mortgage financing works Your host, Alex McFadyen (aka The Mortgage Pug), has been in the business for 11 years and has helped over 3000 families secure financing on their homes. We hope to help you find your State of Flow. 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 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 Flow Mortgage to discover how we can help make your property aspirations come true.

We welcome back David Smith from David Smith Homes Group to talk about his recent blog article titled '2023 – All Change & More Of The Same' Partner, Alex McFadyen, explores this blog in detail with David to help prepare for 2023! Let us know what you think about this episode by leaving us a review! This podcast is also available on our Thrive YouTube channel! LOOKING TO INVEST IN REAL ESTATE? Click here to check out our new investment guide! www.thrivemortgage.ca // Check out all of our content by clicking here! --- Send in a voice message: https://anchor.fm/yvrremoshow/message

The Bank of Canada raised interest rates by a half percent on December 7th, 2022. How is that going to impact you? This special short-form episode features Alex McFadyen who covers the impact of the raised rates, what you can expect, and some key stats to help you you need to know! If you own, are selling, or looking to buy real estate, this episode will be a valuable breakdown of how to move forward in this market! LEARN ABOUT VARIABLE RATES Click here for our market outlook! LOOKING TO INVEST IN REAL ESTATE? Click here to check out our new investment guide! www.thrivemortgage.ca // Check out all of our content by clicking here! --- Send in a voice message: https://anchor.fm/yvrremoshow/message

Alex McFadyen is a top-performing mortgage broker in Canada, a partner at Thrive mortgage and host of the YVR REMO Show. Alex comes back on the podcast to talk about the social media world and the power of video, investing in real estate, sober November and taking breaks from alcohol, getting myocarditis from the vaccine, mental health stigma, and the future of Thrive. Podcast Videos can be found on the Denny Dumas Podcast YouTube channel Email us at thedennydumaspodcast@gmail.com Alex McFadyen Website: http://www.alexmcfadyen.com/ Website: https://www.thrivemortgage.ca/ Instagram: https://www.instagram.com/themortgagepug Denny Dumas Instagram: https://www.instagram.com/denny.dumas Facebook: https://www.facebook.com/denny.dumas.5 Website: https://www.dennydumas.com

Today we switch seats with Taylor Steele & Austin Carroll, with Integrated Equities. Alex McFadyen, Thrive Mortgage Co. Partner, gets interviewed and they ask him about interest rates, where the current market going, and his mindset on the current rate environment! If you want to know what the current market is like from a high-performing mortgage broker, this episode is a must-listen! CLICK HERE to view their YouTube Channel! Looking to invest in real estate? Click here to check out our new investment guide! Visit our website at www.thrivemortgage.ca // Check out all of our content by clicking here! --- Send in a voice message: https://anchor.fm/yvrremoshow/message

September 2022  Each year, to mark the arrival of the first Codebreakers at GC&CS in 1939 we hold our Veterans' Reunion. The Reunion is always a very special day for us at Bletchley Park as it gives us the chance to thank our Veterans for their service. For the Veterans it is a chance to meet old friends, make new ones, reminisce and tell stories of their time here. This year it was made more poignant as because of the global pandemic, this was the first we have been able to hold since 2019. It meant that we were not sure just how many would be able to make it, but twenty Veterans and over one hundred of their family and friends managed to join us for this special day. Podcast Producer Mark Cotton will bring you a flavour of the day and interviews with the following Veterans: Kay Wingate Pat Field Anne Chetwynd-Stapylton Miriam Myland Jean Cheshire (wartime resident)  Betty Webb Pat Davies Many thanks to Alex McFadyen, editor of the official Bletchley Park magazine, Ultra, for assisting on the day.  Image: ©Will Amlot for the Bletchley Park Trust 2022  #BPark, #Bletchleypark, #WW2,

Most people are afraid of debt, especially because we are not taught about it. Debt can be a powerful tool if used correctly, but it can also be dangerous if used incorrectly.  In this episode of the WealthSmarts podcast, Richard and Matt are joined by Alex McFadyen from Thrive Mortgage to talk all about debt. Alex and his team have a goal of serving Canadian Homeowners with an educational experience. Some topics we discuss include good vs bad debt, different ways we can use debt vehicles (mortgages, lines of credit, etc), the importance of your credit score and some practical tips to improve it. You can find Alex and his team at: https://www.thrivemortgage.ca/

Getting Mortgages and Busting Down Perceived Walls.   Money is required to buy real estate.   BUT!   The good news is, sometimes, it doesn't have to be your money.   In this episode, I chat with Alex McFadyen, one of the partners at Thrive Mortgage Co. We talk a little bit about his background before going into the power of real estate investing and what his company does. He also weighs in on some of the changes he is seeing in the mortgage industry and offers sound advice for investors.   Here are some of the key takeaways from today's show: The 3 levels of listening to others How to create wealth through owning several properties or leveraging your own Preparation, transparency, and flexibility are key when working with good mortgage brokers Variable rates versus fixed rates How to work on your branding and manage your social media And so much more...   Alex McFadyen is a mortgage professional based in Langley, Vancouver B.C. with over 10 years of experience in creative mortgage financing. He started out as The Mortgage Pug on social media because of his passion for investing in real estate and educating people.   =====

This week's episode outlines current mortgage trends. Recently, Alex McFadyen was on The Garbutt + Dumas Real Estate Podcast and we are bringing you a replay of that show here today! We talked about the current state of the market from a real estate and client perspective. What's the impact of the stress test? What should you be looking out for? If you enjoy this week's show, check out their podcast as well! Click here to visit their podcast website Find us online! Facebook Instagram Click here to visit our website --- Send in a voice message: https://anchor.fm/yvrremoshow/message

If you're getting started in investing, this is a must-listen for you. We're going to help you understand the first steps when buying your first investment, raising capital, and what to look out for. Thank you Alex McFadyen, and Deryk Williamson from Thrive Mortgages and host of the YVR REMO Show for being amazing hosts.  Make sure you check out their Podcast. https://anchor.fm/yvrremoshow/   =====

On our first episode of Hard Assets we bring on Thrive Mortgage Co, a top mortgage broker group in the Lower Mainland area of British Columbia. In this talk with Alex McFadyen & Deryk Williamson, Logan & Caileigh dive deep into a few topics starting off with a conversation about how the outset of COVID was from a mortgage brokers perspective and end the show talking about the state of the current market and how to deal with subject free offers. We also touch on getting creative in this expensive real estate market! It sure has been a crazy market and environment to conduct business but we're all here to do our best to help provide answers along the way and hope this podcast helps to further educate the public. Here is how to find the guys over at Thrive: https://www.thrivemortgage.ca Insta/FB: thrivemortgageco Find Caileigh & Logan: Insta: caiandersonrealestate & Logan__crowder https://www.logancrowder.ca http://www.caianderson.com

We are at episode 10! This episode features partners Alex McFadyen, Dean Lawton, & Deryk Williamson as they talk about what happening with oil, the state of the market, deferrals, and more! Tune in for this special podcast marking our tenth episode! --- Send in a voice message: https://anchor.fm/yvrremoshow/message

CORVID-19 is affecting all aspects of like so what exactly is it doing to the residential financing world? Alex McFadyen from Thrive Mortgage CO and the YVR REMO Show joins James and Denny to talk about how this pandemic is affecting mortgages and how to government plans to help. This episode will focus on BC mortgages, prime rate changes, fixed rates vs variables, renewals, renter situations, how people are reacting and what may happen in the near future. Podcast Videos can be found on the Garbutt + Dumas Real Estate Team YouTube channel Email us at garbuttdumaspodcast@gmail.com Alex McFadyen Instagram: https://www.instagram.com/themortgagepug Facebook: https://www.facebook.com/alexmcfadyen.mortgageadvisor Website: http://www.alexmcfadyen.com Check out Alex's Podcast "YVR REMO Show - Real Estate & Mortgage Experience in Vancouver" https://podcasts.apple.com/ca/podcast/yvr-remo-show-real-estate-mortgage-experience-in-vancouver/id1495427450 James Garbutt Instagram: https://www.instagram.com/jamesgarbutt Facebook: https://www.facebook.com/jamesgarbutt Website: https://jamesgarbutt.com Denny Dumas Instagram: https://www.instagram.com/denny.dumas Facebook: https://www.facebook.com/denny.dumas.5 Website: https://www.dennydumas.com Garbutt + Dumas Real Estate Instagram: https://www.instagram.com/garbuttdumas Facebook: https://www.facebook.com/GarbuttDumas Website: http://www.garbuttdumas.ca

This week's episode bring us together with Derek Peever from PeeverConn. Derek is an established real estate investor and shares wth us his history, wheres he's at today, and insight into investing. This episode also features partners Alex McFadyen and Dean Lawton. Tune in for some great information! --- Send in a voice message: https://anchor.fm/yvrremoshow/message

We are back for a special episode 6! We revisit the coronavirus and the impact it continues to have on the stock and real estate markets. We discuss how it's affecting the lending space and what you should or should not do. This episode features partners Alex McFadyen, Dean Lawton, and Deryk Williamson. Join them for the next 27 minutes and learn how you can take advantage of the these changes brought by the virus. You don't want to miss this one! --- Send in a voice message: https://anchor.fm/yvrremoshow/message

For the next 37 minutes we talk about 4 ways to make money in real estate! We start off talking about the hidden profits in construction, move on to how to make money in renovations & flipping, talk about long-term rental properties, and end with talks of buying your residence. It's a great, information-packed episode so tune in with partners Alex McFadyen, Dean Lawton, and Deryk Williamson to learn more! > Please Subcscribe & Share if you're getting value! > Check us out on facebook.com/thrivemortgageco > Check us out on instagram.com/thrivemortgageco --- Send in a voice message: https://anchor.fm/yvrremoshow/message

In this episode we talk about upsizing

Alex McFadyen is a mortgage professional and partner at Thrive Mortgage Co. Alex and Denny share how structure in their lives gives them freedom, the importance of being yourself when growing a business, how consistency is everything and the impact of videos in social media Podcast Videos can be found on the Zero to Here YouTube Channel // Alex McFadyen - Instagram: themortgagepug, Facebook: alexmcfadyen.mortgageadvisor, Website: thrivemortgage.ca // Denny Dumas - Instagram: denny.dumas, dennydumas.com // Email us at zerotoherepodcast@gmail.com

We sat down with Mortgage Advisor, Alex McFadyen, to talk about proactive communication. Learn how he builds relationships in a way that's scaleable using video!

We sat down with Mortgage Advisor, Alex McFadyen, to talk about proactive communication. Learn how he builds relationships in a way that's scaleable using video!

This week on Mortgage Marketing Radio is special guest Alex McFadyen, "The Mortgage Pug". Alex’s story is a compelling one, he started his Mortgage Brokering business from scratch in Canada in 2015 and has grown to the point where throughout 2018, he helped over two hundred families buy a home for a total of 85 million dollars. Alex achieved this by creating a successful brand, a brand centred around his Pug and effective social marketing. The ins and outs of which, he explains in this interview. Amongst the insights contained in this episode are some gems from Alex about his methodology. He talks about why you should focus on what your team and you are doing, not the outcome of said actions, as the two may not correlate, often for years after the inception of your business. Controlling the outcome of your actions takes time, and Alex has only just started a more precision audit of his results. But with another year of doubled growth in the books, the writing might already be on the wall for the success of Alex’s methods. Other subjects Geoff and Alex cover are, focusing on your strengths and prioritizing your existing clients over new ones. Alex explains how his dog was always a topic of discussion for him and his friends, and when it came to figuring out a way for him to stand out from the crowd, his dog being the centre of his brand was the natural choice. Having a lovable pug as a centrepiece for your marketing is a bold decision, but it has served as a great catalyst for Alex’s explosive growth. Geoff and Alex go over some more social selling tactics, what works? and what doesn’t? With a mind for turning those faceless likes and followers in to real life connections and leads. Alex even does a thought exercise towards the end to give you an idea of why you should be utilizing social media.   Links from Todays Episode: Alex’s Website - Alex’s Social Media –   Ready to grow your business in the new year? Check out the new  which helps you get more Agent referrals, convert more clients and build your online presence. Want more free content to help you succeed? Join our Facebook Group  Finally, you can  or  to get all new episodes when they are released.  (for iPhone)

#smalltalk returns with Alex McFayden: Building an awesome customer experience with video. "I think truly whenever we’re starting a business or in any capacity that related to clients; b2b, b2c, we have to actually change roles, we have to put ourselves in the position of the client…ask the same question; how do I want to feel or be made felt” #smalltalk is back and we have Mortgage professional extraordinaire Alex McFadyen join the show. Alex shares two key elements that that are turning heads with those who decide work with them. A conversation you simply don’t want to miss. To download the complete guide that we discussed that highlights how the best are using video to convert more leads, get more referrals, and build better, stronger relationships faster, please click on the link below. https://app.bombbomb.com/app/form/?form_id=42346e76-5bd6-5e7b-8b6a-a67ade7f56df Alex McFadyen's Contact Information The Mortgage Pug Team - Canadian Mortgage Experts alex@mortgagepug.ca 604-619-3319 mortgagepug.ca

Listen to our conversation with Alex McFadyen, our 2018 All-Around Mortgage Video Influencers Winner

Listen to our conversation with Alex McFadyen, our 2018 All-Around Mortgage Video Influencers Winner

 Our guest this week is Alex Mcfadyen.  Alex is a mortgage broker from Langley BC. He's a long-time friend of the show, who has been growing his business like crazy. What we love about Alex is that he learns new stuff and actually applies it. With his mascot pug Ernie, he has some of the best branding out there and makes some of the best videos in the industry. Signup for 100s of past episodes and other goodies at ilovemortgagebrokering.com.    Stats Location: Langley BC Brokerage: CME Quotes 'Discipline, persistence, and consistency.' References Kerwin Rae Bomb Bomb  Floify Pipedrive  Trello Be The Better Broker - Dustan Woodhouse  4 Hour Work Week - Time Farris   More About Alex Web: www.alexmcfadyen.com Phone: 604.619.3319 Email: alex@mortgagepug.ca  Twitter Facebook Instagram  Vimeo  Host Scott Peckford More Shows See more notes and other episodes at the I Love Mortgage Brokering website.