The Flow: Real Estate and Money Show

By Flow Mortgage CoBusiness Investing

The Flow: Real Estate and Money Show episodes

April 28 The Canadian Mortgage Renewal Crisis Has Begun
🛠️ FREE TOOLS & RESOURCES:Equity Framework - https://www.getflowmortgage.ca/equity/assessmentPREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://mbp.getflowmortgage.ca/prepareframeworkRate 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/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/
12 min
April 23 What No One Tells You Before Co-Signing a Mortgage in Canada
🛠️ FREE TOOLS & RESOURCES:
Canadian Co Buy Playbook - https://www.getflowmortgage.ca/free/cobuy
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/
15 min
April 21 Short Term Rentals are back in Kelowna British Columbia!
🛠️ 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/
20 min
April 16 My own mortgage payment just SKYROCKETED: Here's what I'm going to do
🛠️ 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/
15 min
April 14 Canadians Just Lost $52,000 in Home Equity: Here's what you should do
🛠️ 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/
14 min
April 09 1 in 10 Canadians Are About to See Their Mortgage Payment Jump 40% in 2026
PREPARE FRAMEWORK: https://mbp.getflowmortgage.ca/prepareframework

The Bank of Canada buried a staff paper showing 1 in 10 Canadians renewing their mortgage in 2026 are looking at a payment increase of over 40%, and the headlines calling the renewal wave "over" are averaging out the people getting crushed with the people getting relief. The borrowers taking the hit aren't random. They're 2021 variable rate fixed payment holders who hit their trigger rate, watched their amortization stretch to 50, 60, even 70 years, and are now about to have their payment completely rebuilt from scratch. It's not a rate shock, it's an amortization shock, and most people don't even know the difference. Before you renew, Alex runs through his PREPARE framework, seven questions covering payment stability, risk tolerance, equity, future plans, affordability, rate cycle position, and employment stability, because fixed versus variable is the answer, not the starting question.
17 min
April 07 The Canadian Housing Crash Is Real: But Only In These 2 Canadian Cities
Smart Renewal Playbook: https://drive.google.com/file/d/1cGdU8O_Uzow_mMXDb_w1fhasFBk3hBN2/view?mcp_token=eyJwaWQiOjMxNTgzMDI2ODQ2OTUyNiwic2lkIjoxOTk2NDE3MDQ2LCJheCI6IjdhMmU1NWI2MGVhZmI4NjllY2YxOTJkMGIwYmFjMWYzIiwidHMiOjE3NzU1MzAzMjAsImV4cCI6MTc3Nzk0OTUyMH0.HZIdixBMpdDLuLZgL9jVtP22hAabzd0OtCDqUWke-KU

Canadian housing isn't crashing nationally, it's splitting. Toronto and Vancouver are the two markets actually struggling, with Toronto prices down 28% year over year and delinquencies climbing. Meanwhile, Quebec, Halifax, Calgary, and Ottawa are posting record prices and strong sales. National headlines are averaging it all together and creating a completely distorted picture. Where you live determines your reality right now, and making decisions based on national data could cost you. Alex breaks down the actual CMHC, Royal LePage, and TransUnion numbers by city so you know exactly where you stand.
13 min
April 02 Canada is trying to make housing more affordable: But it might FAIL
The government announced what looks like a massive win for home buyers, but the math tells a different story. Alex breaks down all four housing announcements that dropped in the same week, including Bill C-4's GST rebate, the Ontario HST removal, $1.7 billion in federal funding to provinces, and the Carney-Ford development charge cuts. He runs the actual numbers on what buyers in BC, Alberta, and Ontario will save, explains why the $130,000 headline figure applies to almost nobody, and connects the dots on why the same week these "buyer savings" were announced, Ontario quietly backed a $1.3 billion fund to buy up 23,000 unsold condos from developers who couldn't sell them. If you're a first-time buyer sitting on the sidelines right now, this one is worth your time.
17 min
March 31 Here's why Canadian Banks are CUTTING Credit Lines: And what you can do
Banks across Canada are quietly cancelling credit lines and credit cards for thousands of customers, many with 800+ credit scores and perfect payment histories. Alex breaks down the real reasons behind this wave of closures, from the 84,000 jobs lost in February, to rising bond yields, a military conflict disrupting oil supply through the Strait of Hormuz, and new OSFI capital requirements forcing banks to clean up their balance sheets. If your credit line has been cut or you're worried it might be next, this episode tells you exactly what to do before your safety net disappears.
11 min
March 24 Bank of Canada Just Said House Prices Need to Drop: Canadians are screwed
The Bank of Canada held rates at 2.25% while deputy governor Carolyn Rogers made headlines by openly stating house prices need to correct for affordability, a major shift from the central bank's usual rhetoric. The problem is the bank is completely trapped, as cutting rates risks inflation while hiking rates would tank an already bleeding economy that lost 84,000 jobs in February. Canada's housing market is splitting in two, with Toronto and BC down significantly while Quebec and Calgary are still climbing. For homeowners, buyers, and renewers, the window to act is now before conditions get worse.
13 min

About The Flow: Real Estate and Money Show

From the publisher's feed

Welcome to The Flow: Real Estate & Money Show. 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.