ONE HIKE RARELY STAYS ONE HIKE 👀

• BoC is still sitting at 2.25%
• The last 3 hiking cycles ran 3, 5 and 10 hikes

Last cycle also had 50, 75 and even 100 bps moves 😬

If variable saves you $160/month on a $500K mortgage, run the numbers 1% higher. That’s roughly $275/month more.

🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caPREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://getflowmortgage.ca/free/fixed-vs-variableWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

The Bank of Canada did nothing on September 2nd. Seventh hold in a row. So why did the fixed rate market start pushing up?

I got asked that about a dozen times last week, and everybody in the country is getting it wrong.

🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caPREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://www.getflowmortgage.ca/free/f...WealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/sh...🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram:   / flowmortgageco  🐶 Alex's Instagram:   / themortgagepug  

🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caPREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://www.getflowmortgage.ca/free/fixed-vs-variableWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

In this episode, Alex McFadyen breaks down the recent economic data, the Bank of Canada's upcoming decision, and how tariffs and inflation impact mortgage rates and the housing market. He explains complex economic concepts in a clear way to help Canadians understand what it means for their finances.

takeaways

• Canada's GDP growth in Q2 was 3.3%, exceeding the Bank of Canada's forecast.
• Potential output is the growth rate that keeps inflation stable, currently at 1.2%.
• Tariffs and trade tensions increase economic uncertainty, affecting interest rate decisions.
• The Bank of Canada is expected to hold rates steady at 2.25% in the upcoming meeting.
• Mortgage rates are rising as bond yields increase, impacting fixed-rate loans.
• Market expects no rate cuts in the near term due to strong growth and inflation data.
• Homeowners should review their mortgage terms and consider prepayment penalties.
• Economic uncertainty from tariffs could slow employment and housing demand.




🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/starthttps://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

In this episode, Alex McFadyen discusses how recent trade tensions and tariffs between the US and Canada could impact mortgage rates, housing, and the broader economy. He explains the mechanisms behind these effects and offers practical advice for homeowners and prospective buyers navigating uncertain times.

• Impact of US-Canada trade war on mortgage rates
• How tariffs influence inflation and interest rates
• Differences between fixed and variable mortgage rates
• The effect of trade tensions on employment and growth
• Strategic mortgage planning during economic uncertainty

🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/sh...🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram:   / flowmortgageco  🐶 Alex's Instagram:   / themortgagepug  

You can fix almost anything about a property. You can't fix what it is on paper. These are the five property types I check the financing on before anything else, and one of them can leave you finding $200,000 in cash that you didn't plan for.

I walk through what each one is, exactly where to spot it on the

listing before you write an offer, and what I'd do if I already owned one. Leaseholds and acreages both have good buys in them, so this isn't a list of things nobody should touch. It's a list of things worth a phone call before your subject removal date.

Send the listing to whoever is handling your financing. It takes half a day to find out, and it's the cheapest question you'll ask all deal.

CHAPTERS

0:00 The five, and the one that costs $200,000

1:33 Leasehold: you own the building, not the land

5:08 Co-op: shares in a corporation, not a title

7:56 Micro units: the square footage lenders won't touch

10:16 Acreage: what a lender actually counts

13:10 Title risk: what the Cowichan ruling changed

16:15 When it's still fine to buy one anyway

17:42 The one thing to do before subject removal

Alex McFadyen is a mortgage broker in British Columbia

Flow Mortgage Co works with roughly 500 families a year across BC.

🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caPREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://mbp.getflowmortgage.ca/prepareframeworkWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

Alex McFadyen discusses the intricacies of reverse mortgages in Canada, including recent rate changes, different options available, and how to determine if a reverse mortgage is right for you or your parents.

We cover:Recent rate cuts by Canadian reverse mortgage lendersHow reverse mortgages work and who qualifiesComparison of reverse mortgage, line of credit, and traditional refinanceImpact of interest compounding and rate type on costsImportance of understanding future balance and property value growth

🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caPREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://mbp.getflowmortgage.ca/prepareframeworkWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/starthttps://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/keywordsreverse mortgage, Canadian housing market, mortgage options, interest rates, home equity, financial planning, property value, mortgage comparison, inheritance planning

On July 21, the US hit $28 billion of Canadian exports with 50% tariffs under a 1930 law with no confirmed use in roughly 90 years. They take effect August 19, and there's no CUSMA

exemption this time. Last tariff war, Canadian fixed mortgage rates fell. This time opened the other way, and the gap is $264 a month on a $600,000 renewal.

🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caPREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://mbp.getflowmortgage.ca/prepareframeworkWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

Everyone online says a 30-year mortgage is a trap that costs you an extra $73,000. I sit with clients on this every single week, and on its own that number is close to useless. This is what the clickbait leaves out.

On a $500,000 mortgage, going from a 25-year to a 30-year amortization does add about $73,000 in interest. That part is true. But in today's dollars it's closer to $48,000, more than half of it lands after year 20, and almost nobody keeps a mortgage the full 30 years anyway. A 30-year sets a minimum payment, not a 30-year sentence, and used the right way it's a wealth tool.

In this one I break down the real math the trap posts skip, the two false assumptions it's built on, a real client who went back to 30 on purpose and freed up $950 a month, and who should actually take the 30 (and who definitely shouldn't).

Follow me instagram.com/themortgagepug

The Bank of Canada held rates again.In this video, I break down why the Bank of Canada’s July 15th rate hold may not bring the relief many Canadians were hoping for, especially if your mortgage is renewing in 2026.I covered:Why the Bank of Canada held rates againWhy inflation at 3.2% mattersWhy gas and oil prices are complicating the dataWhy fixed rates are not controlled directly by the Bank of CanadaHow US inflation and the Fed can affect Canadian mortgage ratesWhy 2026 renewals are still a major riskWhy waiting for lower rates may not save you moneyWhat homeowners should do before their renewal dateComment BOC and I’ll send you the Bank of Canada decision playbook.------🛠️ FREE TOOLS & RESOURCES:Rate My Rate - Instant Mortgage Checkup (free, no login required)https://rate.getflowmortgage.caPREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://mbp.getflowmortgage.ca/prepareframeworkWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/