In this episode, Alex McFadyen of Flow Mortgage Co. addresses whether Canada is heading for a real estate and recessionary crisis, acknowledging that many Canadians are struggling with rising rents and mortgage costs. He breaks down the CMHC Home Affordability Report, which confirms severe housing supply issues, noting an annual shortfall of 200,000 new homes and that a 2030 timeline for resolution is no longer realistic. McFadyen also clarifies misconceptions about interest rates, explaining that fixed rates are trending upwards due to sticky inflation and surging oil prices, indicating rate cuts are not imminent. Despite headlines suggesting a crisis, he points out that over the past five years, real estate values are up across the country, and he emphasizes that affordability cannot be fixed without addressing the supply issue. Ultimately, Alex advises listeners to prepare for the market rather than trying to time it, as waiting could prove more costly, and he highlights that smart investors are actively seeking opportunities in the current climate.

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.