They say you should wait for mortgage rates to fall, but what if that's the most expensive myth in Canadian real estate right now? In June 2025, fixed mortgage rates are actually RISING, and it has little to do with the Bank of Canada's announcements.

In this episode, Alex McFadyen pulls back the curtain on what's really happening in the market. Learn about the critical factors you're probably not watching, like government bond yields, oil prices, and swap spreads; that have a bigger impact on your wallet. Waiting for the "perfect moment" could cost you over $5,000 in extra interest payments.

This is the timing playbook you need to navigate today's volatile market and make smarter financial moves.

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

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

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

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

Alex McFadyen is a seasoned independent mortgage broker with over 14 years of experience in the industry. Alex is the owner and Mortgage Advisor of Flow Mortgage Co.

Alex’s Social Media: @themortgagepug

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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.

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

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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 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-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.

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-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.

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-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 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.ca

Facebook: @RMGMortgages

YouTube: @RMG_Mortgages

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.