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Canada's Economy in the Crosshairs, the constant assault of the Trump Tariffs / Trade War looms over every strategic thought in Canada today & the uncertainty of the future of auto parts & car assembly plants can change the Bank of Canada's approach to Rate Cuts in a huge way

What happens on April 16th

Will Inflation come back

What Mortgage Rate to take

Let's get into it 

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Really a privilege to have Julian on the Pod, CAPREIT is the largest Landlord in Canada & the spotlight on affordable Rental Housing is bigger than ever

We cover: 

- Why huge professional Landlords just make more sense 

- Why Renters may be much better off with REIT managed properties than Mom & Pop Landlords

- The coming 416 Condo Crash & the implications for the Rental Market

- How Dog Crate Condo reductivism betrayed Renter & Investors 

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We break down last week's BoC Rate Cut & the future of Mortgage Rates for the next few months

How does it affect the Housing Market moving forward? Because there is a lot going on in Real Estate! Listings are piling up, sales have fallen off a cliff,  Mortgage Underwriting is tightening up

We are entering into a whole new world of Real Estate in Canada

And Ron had a HUGE rant to make 

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All about Commercial Mortgages

For the first time on the Pod a deep dive on the Commercial Mortgage Market

What are the trends, what's the Outlook, what to expect next year

The effect of the Trump Tariffs are highly impactful on the Commercial Mortgage World. Vanessa discusses how just the FEAR of a Trade War is rippling through Canada: just how hard will it be to get a Commercial Mortgage done?

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The CEO of the largest Residential Real Estate lawyer in Canada Axess Law is our guest & do we have some interesting facts about Fraud attempts at the Lawyer's Office

Elder Abuse is off the charts when it comes to adult children trying to take advantage of elderly parents through Title & Mortgage Fraud & the stories about FAKE Wives are both sad & hilarious

Welcome to the world of RE law that you have never known before 

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And why does it take so long to get anything in Ontario approved: I have the right person to give those answers.

Our Special Guest Ian Jones has nearly 60 years of experience building Condo, Commercial Mixed Use & you name it in North America 

He had lived through the highs & lows of those 60 years of Building & Development in Ontario & no one can tell the story of the coming Condo Crash, the relentless challenges of Government induced expense & complexity better than Ian

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Today Fixed Mortgage in Canada have become a part of the ever changing, never calm, always in turmoil world of Donald Trump: Tariffs ON / Tariffs OFF / Tariffs for the Whole World. And throw in some US Federal Reserve Chairman Powell for a bit of extra action. Canada Bond Yields & Fixed Rates fell 2 weeks ago & 3.94% 5 – Yr Fixed Rates popped up everywhere, a week later Bond Yields retraced 20 bps & very low 4% became more normal. Let’s assume after Jerome Powells Hawkish stance that the US Fed has stopped Cutting for awhile (don’t believe the no cuts for a year stuff)

On the Canadian Housing front although Detached Sales showed signs of Life the Future of Pre-Construction Dog Crate Condos in 416 looks dark indeed. And in BC Premier Eby who was a leader in the fight for affordable housing is feeling the heat of a Big Budget Deficit. And Ron’s Rant points towards the future of Canadian Jobs & Economic well being.

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The big story of last week in Real Estate was a big downward shift in Fixed Mortgage Rates in Canada. Many Fixed Rates dropped below 4% with brief flashes of 3.84% on CMHC purchases

Some Conventional Rates under 4%

BIG DIFFERENCE from 4.59% - 4.39% just 2 months ago. Does this mean now is a good time to buy a house? MAYBE But with the return of the Trump Tariffs a possibility is buying a home today to chancy

And welcome Jeanine Borges our Butler Mortgage Office Manager to the Podcast & NO she didn't lose a bet with Sacha  

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When we record the Pod on Friday there was still debate when Tariffs will start & whether Oil & Gas would be a carve out but please hear this: the volatility on Mortgage Rates is big. Huge fluctuations in 3 & 5 year bond yields are creating a Roller Coaster effect which may lead to lower rates this week

Resale Purchase business had ticked up in January but still tons of listings so a Buyers' Market which creates some of its own chaos

Bottom line? Mortgage Borrowers MUST shop for best rate

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Scott is the Manager for the Biggest Private Consumer Insolvency Firm in Ontario: Hoyes Michalos. Insolvencies based on Real Estate related issues have soared in the last 18 months.& Scott has the insights & analysis from the ground floor of the financial disaster zones

The lessons of Co-signers, the perils of building a rental empire, the confluence of everything going wrong at once & what can be done to work out debt problems. An episode packed with unique insights .

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