In this week’s episode of the Ottawa Real Estate Podcast, we break down surprising stats about down payments in Ottawa, why delinquency rates are still incredibly low, and what’s really going on with those 2027 mortgage renewals. We talk about the difference between variable and adjustable rate mortgages and share insider updates from a recent lender breakfast that might surprise you. We also unpack how construction delays and labor shortages are holding back housing starts, and what this could mean for buyers and sellers.

00:00 Intro

01:43 Understanding Borrower Profiles in Ottawa

06:35 Delinquency Rates and Mortgage Insights

11:39 Variable vs. Fixed Rate Mortgages

15:08 Market Stability and Renewal Insights

18:04 Bank of Canada Announcement Predictions

26:24 Housing Starts and Construction Challenges

31:01 Mood Boosts

Get in touch with us!

Paul Stevenson - Mortgage Agent Level 2 

CENTUM Financial Services LP

Email: [email protected]

Phone: 1-613-263-4543

https://www.paulstevenson.ca

David Warren - Mortgage Agent Level 2 

Referral Mortgages

Email: [email protected]

Phone: 1-613-686-6003 

https://www.referralmortgages.com

If you have a question or topic you'd like to hear us discuss send us an email at: [email protected] or leave us a comment below!

New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com 

Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group.