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.

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

*********

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.