The Flow: Real Estate and Money Show
Alex McFadyen · Langley, BC
Short episodes demystifying the homebuying process, real estate investing and mortgage financing for Canadians.
Status: active · Flow Mortgage Co
YouTube channel: 5.3K subscribers · 1.3M views · 838 videosPublic YouTube figures as of 2026-10-29; subscriber counts are rounded by YouTube.
Episodes
- 12 min
Foreign buyers are BACK!! How it affects you..
The foreign ban... well it's over. Here's what it means! https://www.getflowmortgage.ca/free/prepare-to-buy-----WealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFor 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/
- 11 min
How a HOUSE crash could happen with the Bank of Canada Rate increase
Canadian home prices have dropped nearly $170,000 (about 20%) from their 2022 peaks, entering uncharted territory compared to past Bank of Canada rate-hike cycles. In this episode, we break down what historical data actually reveals about rate hikes and housing market bottoms. https://www.getflowmortgage.ca/free/prepare-to-buy
- 9 min
Rates Went up... now what? How to survive more bank of Canada rate increases
They did it, raised first time since '23 - now what? How to Decide on Your Mortgage Fixed or Variable in 7 Questions https://www.getflowmortgage.ca/free/fixed-vs-variable Book a free strategy call https://getflowmortgage.ca/contact 🐶 Alex's Instagram: www.instagram.com/themortgagepug
- 14 min
WHY the Bank of Canada has NO CHOICE (& what to do now)
They've got no CHOICE but to raise rates - so here's how you deal with it.How to Decide on Your Mortgage Fixed or Variable in 7 Questionshttps://www.getflowmortgage.ca/free/fixed-vs-variableBook a free strategy callhttps://getflowmortgage.ca/contact🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/
- 11 min
This ALWAYS Happens to Mortgage Rates when US Inflation goes up
Exactly how US inflation impacts Canadian mortgage rates, the correlation between US and Canadian bond yields, and what homeowners and buyers should consider in the current economic climate. Exactly how US inflation impacts Canadian mortgage rates, the correlation between US and Canadian bond yields, and what homeowners and buyers should consider in the current economic climate.🛠️ 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.getf
- 10 min
Canada LOSING jobs before the bank of Canada hikes rates
How could they possibly raise rates now..... I'll explain 🛠️ 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, "
- 11 min
How to SURVIVE the Bank of Canada Rate increases
"Variable rates win unless there are four or more hikes." Do with that what you will...or listen to find out what the market is projecting and what usually happens! 🛠️ 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
- 14 min
Condo Taxes are INSANE: David Eby goes after developers
The political landscape in British Columbia is heating up as Premier David Eby calls for a snap election set for October 24th. With the housing market in turmoil, Eby's recent proposals raise questions about their potential impact on real estate and how poorly the politicians have done around housing in 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://www.getflowmortgage.ca/free/fixed-vs-variableWealthFlow Newsletter - Weekly m
- 12 min
This ALWAYS happens When the US raises rates
The US & Canada are tied together whether you like it or not...but does it mean Canadian rates always go up (or down) with the US? I broke down what's going to happen, what has happened & What to do in todays video: 🛠️ FREE TOOLS & RESOURCES:PREPARE 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://getflowmortgag
- 15 min
SKYROCKETINGRates (How this could ruin Canadian Real Estate)
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 Updatesht
- 14 min
Japan is pushing YOUR Interest Rates UP (and what it means for Canada)
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.ca PREPARE Framework - Decide on Your Mortgage Fixed or Variable in 7 Questions https://www.getflowmortgage.ca/free/f... WealthFlow Newsletter - Weekly market data & Economic Updates https://zfrmz.com/4hiodTOpjIgqNIy7fvmM 💰WORK WITH US:Book a free
- 13 min
This "ALWAYS" Happens BEFORE the Bank of Canada Raises Rates
🛠️ 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 lis
- 12 min
This could force mortgage rates up (how it works when GDP goes up)
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 e
- 12 min
50% Tariffs on Canada could destroy mortgages...again
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 & RESOUR
- 14 min
Canadian Banks Won't Finance These 5 Properties in 2026
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
- 15 min
Reverse Mortgages are Making Canadians BROKE (r)
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 req
- 12 min
Trump's 50% Tariffs Are Pushing Canadian Mortgage Rates Up
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/prepareframeworkWealthFl
- 10 min
The 30-Year Mortgage "Trap" Is a Lie (I Ran the Numbers)
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 t
- 9 min
Will the Bank of Canada Raise Rates Next?
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 ren
- 12 min
$1 Trillion Dollars being stolen by Boomers
A trillion dollars will transfer from boomers to heirs between 2023-2026. Half of Canada's household wealth is held by boomers. Reverse mortgage volumes are increasing fivefold year over year. 31% of first-time homebuyers receive family help, with an average gift of $115,000. Parents can help their kids buy homes through gifts, co-signing, or reverse mortgages. Instagram - https://www.instagram.com/themortgageplug LinkedIn - https://www.linkedin.com/in/alexmcfadyen
- 14 min
$19 Billion Says Canadians Are Avoiding Variable
Fixed rates just caught up to variable. On today's rate sheets they're only 15-35 basis points apart. Alex breaks down why fixed and variable mortgage rates actually move for completely different reasons, what real StatCan data says about how Canadians have been choosing between them for the past two years, and the exact 4-step math to figure out which one is right for your file. Free Fixed or Variable PREPARE quiz: studio.getflowmortgage.ca/quiz Follow me: www.instagram.com/themortgagepug
- 10 min
$3.2B Condo Bailout Just Got Worse (they lied to us)
🚨 Does anyone actually know where the $3.2 billion in taxpayer money is going? 🤔 Tag someone who’s confused about the government’s latest housing plan! Two weeks in, and the silence is deafening. The government announced a buyout of 2,200 empty condos, but the details? Still in the dark. 💰 Only $300 million in actual government funding? The rest? It’s all loans and financing that leaves us wondering who benefits. If you’re in the market, these decisions could impact your equity and options. We deserve transparency on how this affects real buyers! What’s your take on all this? 🛠️ FREE TOOLS
- 20 min
The Canadian Gov't just bailed out Developers (and what it means for you)
Last week Carney and Eby committed up to $3.2 billion to buy 2,200+ empty Vancouver condos and stop prices from falling. I'm a BC mortgage broker, and I walk through what the money actually does, who it helps and who gets nothing, how we've done this before, the immigration and rate cuts that really caused the glut, where prices could go through 2028, and whether you should be buying right now. 🛠️ FREE TOOLS & RESOURCES: Rate My Rate - Instant Mortgage Checkup (free, no login required) https://rate.getflowmortgage.ca PREPARE Framework - Decide on Your Mortgage Fixed or Variable in
- 13 min
1 in 10 mortgages stuck
Some Canadian homeowners are about to hit a mortgage renewal problem they did not see coming. They made their payments. They did nothing wrong. But their home value dropped. And now, when their mortgage comes up for renewal, they may not have enough equity to refinance, switch lenders, or restructure their debt. In this episode, I break down the difference between a renewal, a refinance, and a switch, because they are not the same thing. I also explain why some homeowners may be stuck taking whatever their current lender offers, even if the rate is not competitive. We cover: Why falling home v
- 10 min
Could Trump’s Ceasefire Lower Canadian Mortgage Rates?
Last week Trump looked at 4.2% American inflation and said he loves it. Days later the war he blamed for it started to end and oil dropped. Both halves of that reach your Canadian mortgage. Alex walks the whole chain: why a president's celebrating inflation is reckless when the U.S. spends about a trillion dollars a year just on debt interest, how the breaking US-Iran deal pulled the war premium out of oil, why cheaper oil could ease bond yields and your fixed rate,the catch for Canada as an oil producer, and where the Bank of Canada fits. This is breaking news, so the deal is treated as a
- 10 min
The Bank of Canada is MISSING the recession: here's how this affects your mortgage
The Bank of Canada held at 2.25% on June 10, 2026, for the fifth straight time. Alex breaks down what it means for your mortgage: why fixed rates are going the wrong way and the rate-hike risk Macklem hinted at, and how to think about renewing or buying right now.Renewing in the next 18 months? Free renewal calculator: https://www.getflowmortgage.ca/smart/calculator FOLLOW ME on Instagram FREE RESOURCES MENTIONED: • Oil, Bonds & Your Mortgage (how yields actually move your rate): https://getflowmortgage.ca/free/rate-protection • The PREPARE Framework — 7 questions before you pick fixed or
- 14 min
The real reason mortgage rates aren't dropping (most are surprised)
The Bank of Canada decides on June 10, and last week’s jobs report may have just taken the rate cut you were budgeting for off the table. Canada added 88,000 jobs in May against a forecast of 10,000, and bond yields jumped on the news. In this one I break down what that actually does to fixed vs variable, why a strong economy makes your fixed rate more expensive, and how to plan your renewal around it. 📊 Calculate your renewal payment difference: https://www.getflowmortgage.ca/smart/calculator FOLLOW ME on Instagram FREE RESOURCES MENTIONED: • Oil, Bonds & Your Mortgage (how yields actually
- 12 min
Canadian Recession Going to Crush Housing? How it really works
Is Canada really in a recession? 🤔 The truth might surprise you! Here's the deal: A "technical recession" means two consecutive quarters of economic decline. But here’s the twist—house prices aren’t crashing, interest rates aren’t dropping, and banks are raking in record profits! But why? 1️⃣ House prices are only down about 4% from last year, and that decline is slowing. 2️⃣ Interest rates remain high due to inflation, despite what many expect. 3️⃣ Banks are thriving, making billions while we wait for a market crash that may never come. So, if you're holding off on real est
- 12 min
Canadians are cutting groceries to pay their mortgage: What to do instead
🛠️ 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
- 14 min
Gas prices are secretly RAISING your mortgage rates: Here's what to do next
🛠️ 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
- 14 min
How to qualify for a mortgage as a Business owner in Canada
🛠️ FREE TOOLS & RESOURCES:BOSS METHOD for Business owners - https://www.getflowmortgage.ca/boss/assessmentRate 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 po
- 17 min
The bond yield just changed EVERYTHING for mortgage rates: Here's what to do
🛠️ FREE TOOLS & RESOURCES:Smart Renewal strategy - https://www.getflowmortgage.ca/smartPREPARE 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 Fl
- 14 min
Canada's housing market isn't crashing: It's STUCK. Here's how to protect yourself
🛠️ 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
- 19 min
CMHC Just Launched 5% Down on Prefab Homes: Here's the Catch
🛠️ 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
- 14 min
Bond Yields BROKE the Bank of Canada
🛠️ FREE TOOLS & RESOURCES:PREPARE 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
- 20 min
Canada LOST a Trillion dollars of capital: What this means for Canadians
🛠️ 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
- 11 min
What you MISSED about the bank of Canada Monetary Policy
🛠️ FREE TOOLS & RESOURCES:PREPARE 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
- 12 min
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, "
- 14 min
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, &qu
- 20 min
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
- 15 min
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
- 14 min
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
- 16 min
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 fr
- 13 min
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. Nati
- 16 min
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 ba
- 10 min
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.
- 12 min
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 condition
- 18 min
The War just made your Mortgage Payment SKYROCKET: Here's what to do next
Three weeks ago, five-year fixed mortgage rates were sitting in the high threes. Today, most lenders are above 4%. The reason has nothing to do with Canada's housing market, your credit, or the Bank of Canada. A US-Israel strike on Iran threatened the Strait of Hormuz, oil jumped from $70 to over $100 a barrel, bond yields spiked, and lenders passed every basis point straight to your mortgage payment. In this episode, Alex breaks down exactly how that chain of events works, where rates are heading, why the Bank of Canada is completely stuck, and what you should actually do right now if you
- 14 min
The warning signs before you miss a Mortgage Payment: and how to fix it
Equity Assessment tool - https://www.getflowmortgage.ca/equity/assessment The headline says 450,000 Canadians missed their mortgage payments. That number is misleading, but the real data underneath it is actually more concerning. Mortgage broker Alex McFadyen breaks down what the Bank of Canada study actually found, why 2026 is shaping up to be a critical year for homeowners, and what the warning signs look like before most people even realize they're in trouble.
- 18 min
The Bank of Canada Just Admitted It's Trapped: March 18 rate announcement
Bank of Canada holds at 2.25% but the rate hold is the least interesting part. Tiff Macklem basically went on TV and said he wants to cut but can't. The economy is contracting, groceries are up 30% since 2021, oil just jumped from $60 to $100 a barrel, and the average Canadian filing for insolvency is carrying $67K in unsecured debt before they've even hit their mortgage renewal. The big banks can't agree on what happens next. TD says hold through 2026. BMO says hold through 2027. RBC says a rate hike to 3.25% by end of 2027. Scotiabank is calling a 50 basis point hike in the secon
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Directory compiled 2026-10-28. Details come from public listings and the show’s own feed.