Mortgage broker podcasts / For home buyers and homeowners

The Green Effect Podcast

Stephen Green · Waterloo, ON

Biweekly market updates from a Kitchener-Waterloo mortgage broker on Bank of Canada decisions, bond yields, fixed vs variable, renewals, HST rebate and the Waterloo/Southwestern Ontario housing market.

Status: active · The Financial Collective

Episodes

Nov 3, 202627 min
The Bank of Canada Just Hiked — What It Means for Buyers & Sellers
The Bank of Canada raised its policy rate on October 28, its first increase since July 2023. In this episode, mortgage broker Stephen Green explains why inflation is running higher on fuel prices, how the hike lands on buyer confidence, and what he's seeing in the Ontario market right now. In this episode: • The Bank of Canada's first increase since 2023 • Consumer confidence and why it moves the market fast • Have we hit the bottom yet? • Selling to buy, and why conditional offers are getting turned down • Why the first offer is usually the best • Readiness vs timing for first-time buyers • C
Oct 6, 202616 min
Fixed Up, Variable Flat — October Market Update for Canadian Homeowners
As of October 5, 2026, fixed mortgage pricing is rising with bond yields while variable holds steady. Stephen Green breaks down what that gap means for buyers and renewers, why you need to understand the variable product you choose, and what's happening in the Kitchener-Waterloo, Cambridge, London and St. Thomas markets. In this episode: • Bond yields, fixed mortgages and the coming rush to variable • Static vs adjustable variable mortgages explained • Lessons from the 2022 increases • Why your broker should be monitoring your variable • Months of inventory and price risk for sellers • Stelco
Sep 22, 2026
Why Canadian Home Sales Stalled — Confidence, Rates & Delinquencies
Housing affordability in Canada is the best it has been in years. Prices have come down, rates have sat at relatively low levels for months, and on paper the math works better today than it has in a long time. So why has the market gone quiet? In this episode I connect the dots between inflation, fuel costs, tariffs, bond yields and the housing market, and land on the piece almost everyone overlooks: consumer confidence. Buyers who can afford to move are choosing not to, and that single factor explains more about this market than any rate table will. WHAT I COVER - Why home sales slowed even a
Sep 8, 202627 min
Bank of Canada Holds, 42,000 Jobs Lost, Waterloo Housing Market Update
The Bank of Canada held the overnight rate this week, and almost every headline stopped there. The more useful information was in the press conference, where the Bank said it is not ruling out an increase — because tariffs are inflationary and inflation has climbed to the top of their tolerance band. In this episode Stephen Green breaks down what the central bank actually signalled, why headline inflation of 3% and core inflation of 2.2% tell two different stories, and what a soft August jobs report means for Canadian housing this fall. In this episode: - The Bank of Canada held, but explicitl
Aug 25, 202625 min
Tariffs, Bond Yields and Your Canadian Mortgage — Market Update
A 50% tariff is going in. Canada is matching it dollar for dollar as of September 8. And the bond market moved the same morning the news landed. In this episode Stephen Green connects the trade-war headlines to the number that actually shows up on your mortgage statement. IN THIS EPISODE: • The 50% tariff, where the negotiation broke down, and Canada's dollar-for-dollar response • Why the provinces are willing to play ball — but only within reason • Bond yields dropped, and why fixed mortgage pricing follows the bond market • Monoline lenders repriced last week, the big banks held, one moved t
Aug 11, 202621 min
Jobs Report Doubts, Bond Yields and Canada's Coming Housing Squeeze - S6E17
Ontario's unemployment rate dropped to a two-year low — and Stephen Green isn't convinced. In this episode of The Green Effect Podcast, Stephen walks through the four forces moving the Canadian mortgage and housing market right now, and what each one means for you if you're buying, renewing, or waiting. In this episode: • Ontario added 52,000 jobs, Canada added 75,100, and unemployment fell to roughly 6.4% — Stephen explains why a workforce survey may not match what's happening on the ground • Why unemployment is the key number that drives spending, hiring and the entire economic cycle • The 5
Jul 28, 202621 min
S6 E16: Fixed Rates Tick Up, 50% Tariffs & My Canadian Housing Bottom Call
Fixed mortgage rates moved up this week — not by much, but enough to notice. In this episode, Waterloo mortgage broker Stephen Green traces the line from a trade dispute, to the bond market, to your mortgage payment, and then looks forward at where this market actually goes from here. IN THIS EPISODE: • Proposed 50% US tariffs on autos, dairy and alcohol — and whether CUSMA blocks them • The bond yield connection: why fixed rates followed, and by roughly how much • Bank of Canada's hold, June inflation, and what the next print could look like • Unemployment near 6.5% and why it's the number th
Jul 14, 202628 min
Don't Sign That Renewal — Jobs, Housing & Bank of Canada Rates - S6E15
Your bank just mailed you a mortgage renewal letter — and signing it without advice could cost you thousands. This week, Waterloo mortgage broker Stephen Green explains why banks are pushing borrowers to sign on the dotted line with no guidance, and what to do instead. He also digs into the numbers shaping the Canadian market right now. On this episode: Behind the June jobs report — seasonal youth hiring vs. 17,000 lost manufacturing jobs The housing market shift: 4 months of inventory and room to negotiate again Why RBC Economics says affordability is the best it's been in years What the Bank
Jun 30, 202624 min
New Build HST Rebate, Short-Term Rental Tax Traps & Variable Rate Warnings (Canada 2026) | The Green Effect Podcast S6E14
Chasing the HST rebate on a new-build home? Before you switch from resale to new construction, this episode walks Canadian homebuyers through the real risks. Mortgage broker Stephen Green covers the new-build HST rebate confusion nobody can answer yet, a short-term-rental HST trap that can cost second-home buyers thousands, and a mortgage renewal warning every homeowner should hear before their maturity date. Then it's a full Canadian mortgage market update: why variable rates are popular again (and why they are NOT set-and-forget), where fixed rates and bond yields are heading, the balanced m
Jun 16, 202629 min
Bank of Canada Holds Rates: What It Means for Canadian Mortgages | Appraisal Shocks, the Slow Bleed & Claude AI Rabbit Hole (S6E13)
⭐ Enjoying The Green Effect Podcast? Follow the show and leave a 5-star rating — it takes 10 seconds and helps other Canadians find honest mortgage talk. The Bank of Canada held its overnight rate at 2.25%, but Canadian mortgage broker Stephen Green says the real story is what the Bank actually said, not the number. In this episode he breaks down the June 2026 Bank of Canada decision and what it means for Canadian mortgage rates and your renewal, why refinance appraisals are coming in way off, where fixed and variable rates sit today, and why he thinks Southwestern Ontario's economy is in a "s
Jun 2, 202628 min
The Slow Bleed: Mortgage Rates, Rising Delinquencies, and a Technical Recession?
The Green Effect | Season 6, Episode 12 We are back with a jam-packed episode of The Green Effect, and Stephen is pulling absolutely no punches today. From chaotic wine country weddings and frustrating credit card fraud to deep-diving into whether we are in a "real" recession or just a half-assed make-believe one, we are covering it all. First up, Stephen shares a crucial warning on the rise of financial fraud. Learn the exact pattern scammers use to test your cards, why you need to stop texting or emailing your sensitive documents immediately, and the credit-monitoring tools that won't wreck
May 19, 202626 min
Spring Market Surge | Bond Yield Blues | Navigating the Middle Class Squeeze
The Green Effect | Season 6, Episode 11: Spring Market Surge, Bond Yield Blues, and Navigating the Middle Class Squeeze Fresh off a humid trip to Mexico, Stephen Green is back in the studio late on a Sunday night (coffee in hand!) to break down a week of massive, moving targets in the Canadian economic landscape. From a sudden explosion in local real estate activity to the sobering reality behind rising insolvency numbers, this episode cuts through the media noise to give you the raw, unfiltered truth about your money, your mortgage, and the market. If you're feeling the pinch of everyday life
May 5, 202634 min
Bank of Canada Hold | Market Fragility | Why Rates Aren't Everything
"Life is stupid expensive." In Season 6, Episode 10 of The Green Effect , Stephen Green cuts through the noise of the latest Bank of Canada meeting and the quarterly monetary report to explain what's actually happening on the ground for Canadian homeowners and investors. We're in a market defined by "fragility," and if you aren't prepared for the hidden costs of real estate, you're flying blind. Stephen dives into the "supply and demand" story that no one is telling—from the massive glutton of rental inventory hitting the market to the plummeting numbers of single-family building permits. Plus
Apr 21, 202629 min
Mortgage Rate and Solutions Advice | HST Rebate On New Homes Impact | War In Iran
Navigating the Real Estate Market in Uncertain Times: Insights and Strategies Are you feeling overwhelmed by the current state of the real estate market? You're not alone. Between escalating global tensions and a volatile bond market, the housing landscape is shifting beneath our feet. In this episode of The Green Effect , we pull back the curtain on how international events—like the recent tensions in the Middle East—directly impact the gas you put in your car and the mortgage rate you sign on your home. Stephen Green breaks down the complexities of today's market, offering a grounded perspec
Apr 7, 202633 min
The Cost of Hesitation: Rate Outlook, Global Inflation, and Buyer Strategies
The Canadian real estate and mortgage markets are changing by the minute, and sitting on the sidelines waiting for a better deal could be costing you thousands of dollars. Welcome back to Season 6, Episode 8 of The Green Effect. In this episode, Stephen breaks down the current buffet of news impacting your wallet and your home. With global events directly affecting inflation and borrowing costs, we cover exactly what you need to know to protect your investments and stop playing the waiting game. What You Will Learn In This Episode: - Global Inflation's Impact: How overseas conflicts and restri
Mar 24, 202625 min
The Economic Domino Effect: Bond Yields Spiking & The Millennial Market Shift
Welcome back to The Green Effect, Season 6, Episode 7! One would argue we are witnessing history right now, and it is having a massive domino effect on the Canadian economy, inflation, and your mortgage. This week, we are breaking down exactly what the Bank of Canada is doing, why bond yields are spiking to 14-month highs, and why I spent my weekend locking in rates. If you are a buyer, seller, or real estate professional, you cannot afford to miss this episode. We are also diving deep into the demographic shifts you need to understand, including why Millennials are the hottest buyers on the m
Mar 10, 202635 min
Global Uncertainty & Your Mortgage: Economic Climate, Reverse Mortgages & Consumer Confidence
We might have lost an hour to daylight savings time this weekend, but we are gaining a ton of clarity on the current Canadian real estate and mortgage market. In Season 6, Episode 6 of The Green Effect, we are cutting through the global uncertainty and media noise to look at the actual statistical data driving your mortgage rates and housing prices. In this episode, we cover: The Power of Forward-Leading Indicators: Why following the headlines is a mistake.. but how tracking the statistical data happening in real time helps us try and determine what's happening. Follow the 5-year Government of
Feb 24, 202624 min
Canadian Real Estate Pulse: What's Actually Happening with Rates, Rents, and Inflation
Welcome to Season 6, Episode 5 of The Green Effect Podcast! Stephen is bringing the heat on some massive updates in the Canadian mortgage and real estate market. In this episode, we dive into a brand new pilot program working directly with the Canada Revenue Agency to combat mortgage fraud. If you are a real estate investor or a landlord, this is a must-listen. We also break down the latest inflation numbers, why your grocery bills are still high, how Stephen slashed his cell phone bill, and the reality of falling rents across most of Canada. What We Cover in This Episode: The New Anti-Fraud T
Feb 10, 202636 min
Private Mortgages, Inventory Trends & The Truth About The Recent Employment Report
In this episode of The Green Effect, Stephen Green breaks down the current realities of the Canadian mortgage landscape. We dive deep into the often misunderstood world of private mortgages—exploring the high risks and potential rewards involved. We also unpack the latest market statistics for nearby Ontario regions revealing why understanding your local trend line is critical whether you are buying or selling. Plus, we discuss a major hurdle facing the economy: youth unemployment and its long-term impact on the housing market. Finally, we tackle the topic of generational wealth, offering stra
Jan 27, 202628 min
Canadian Housing Market 2026: Renewals, Delinquencies & Insurance
In this episode of The Green Effect, Stephen Green dives deep into the major financial shift coming in 2026: the massive wave of mortgage renewals. Stephen breaks down why blind loyalty to your bank could cost you thousands, and the importance of always doing your research and exploring your options. We also analyze the latest Canadian market trends, including rising mortgage delinquencies in Ontario, the decline in single-family building permits, and what the drop in immigration means for rental demand. Whether you are a homeowner preparing for renewal or an investor trying to cash-flow in a
Jan 13, 202624 min
Economic Struggles, Bank of Canada Insights, and Real Estate Readiness
Are you bleeding money on streaming services? It might be time for a hard reset. In this episode of The Green Effect , Stephen Green gets personal about the "subscription creep" that hits most of our bank accounts. He shares his recent strategy that drastically slashed his monthly streaming bill and offers practical advice on how you can audit your own expenses to save significant cash every month. But it's not just about saving money; it's about understanding the economy we are living in right now. Stephen takes a somber but necessary look at the current global climate and the emotional weigh
Dec 29, 202526 min
Interest Rates, Population Shrinkage, & The Buyer's Market
The Green Effect is back. After an 8-month hiatus, Stephen Green returns to the mic to discuss why the podcast paused, how content strategy is evolving, and why deep-dive conversations matter more than ever in a world of short-form clips. But this episode isn't just about media—it's about the market. Stephen breaks down exactly what the Bank of Canada is doing (and what they aren't doing) and how that impacts your wallet. We look at the startling data behind Canada's shrinking population dynamics, why Ontario and BC are seeing an exodus, and why we are officially sitting in a "Buyer's Market."
Feb 11, 20251 h 5 min
Trend to "Right Size" Homes | Commercial Interests | Branding & Elite Service Offering | Generational Wealth Transfers
🎙️ The Green Effect Podcast - Season 5 Premiere! 🚀 Join host Stephen Green as he kicks off Season 5 with special guest Scott Shea, the 'Right Sizing Expert' in real estate ! 🏡💡 Trend to "Right Size" Homes | Commercial Interests | Branding & Elite Service Offering | Generational Wealth Transfers In this episode, we dive into: ✅ The emotional challenges of moving & downsizing. ✅ Generational wealth transfer & its impact on real estate. ✅ The shift towards smaller, more affordable homes. ✅ Why relationships, integrity & trust matter in business. ✅ The future of real estate in a skill-based, r
Dec 10, 202424 min
Stress Test Free Switch Fiasco | Major Bank Involved in Law Suit | Unemployment Rate Impacts | Tiffyboy: Santa or Scrooge?
📢 New Podcast Episode Alert! 🎙️ 🎙️ Season 4, Episode 25 of The Green Effect Podcast 🎙️ Stress Test Free Switch Fiasco | Major Bank Involved in Law Suit | Unemployment Rate Impacts | Tiffyboy: Santa or Scrooge? Hosted by Stephen Green , this episode dives into the latest insights shaping Canada's financial landscape : 📌 The impact of Bank of Canada announcements on mortgages 📌 New stress-test-free mortgage switching regulations 📌 Scotiabank's automatic renewal process explained 📌 Economic health indicators, including unemployment trends 📌 The implications of high household debt and int
Nov 26, 202424 min
JT and Disney+ Lady Spending Money They Don't Have | Truth Behind the New Stress Test-Free Mortgage Switches | Singing About Fraud on Social Media
📢 New Podcast Episode Alert! 🎙️ 🌟 Green Effect Podcast Season 4, Episode 24 🌟 JT and Disney+ Lady Spending Money They Don't Have | Truth Behind the New Stress Test-Free Mortgage Switches | Singing About Fraud on Social Media In this engaging episode of The Green Effect Podcast , Stephen Green dives into the latest economic and real estate developments in Canada, with his signature mix of humor and no-nonsense analysis. Stephen dissects the federal government's GST holiday, highlighting its short-term benefits and potential long-term consequences, including inflation and economic strain. He
Nov 20, 202431 min
Podcast Update | Trump Impacts on Canada and Beyond | Current Mortgage State and Rates | Reaching out for help
🌟 Green Effect Podcast Season 4, Episode 23 🌟 Podcast Update | Trump Impacts on Canada and Beyond | Current Mortgage State and Rates | Reaching out for help. In this episode of the Green Effect Podcast, Stephen Green discusses the evolution of his podcast, the current political landscape with a focus on Donald Trump, and the economic impacts of his policies. He delves into the housing market dynamics, emphasizing the importance of working with knowledgeable mortgage professionals, and highlights the significance of consumer sentiment in financial decision-making. Green also shares personal i
Aug 13, 202425 min
Unemployment Stats - True Meaning | Market Update - Months of Inventory | Temporary Workers - Impacts | Pointless 30 Year Am for New Builds and First TIme Homebuyers
🌟 Green Effect Podcast Season 4, Episode 22 🌟 Unemployment Stats - True Meaning | Market Update - Months of Inventory | Temporary Workers - Impacts | Pointless 30 Year Am for New Builds and First TIme Homebuyers In this episode, Stephen Green discusses various topics related to the economy, employment, and housing market. He provides updates on the unemployment rate, particularly for young people, and highlights the challenges faced by students in finding summer jobs. He also talks about the high immigration rate in Canada and its impact on the economy. Additionally, he discusses the role of
Jul 30, 20241 h 5 min
Future of Real Estate Agents and Mortgage Brokers | A BUILT Business on Social Media | Developing Your Brand
📢 New Podcast Episode Alert! 🎙️ 🌟 Green Effect Podcast Season 4, Episode 21 🌟 Future of Real Estate Agents and Mortgage Brokers | A BUILT Business on Social Media | Developing Your Brand We have TWO incredible guests! In this episode, Madelyn Townes, Real Estate Agent from Remax, joins Lacey Morrison and I. Madelyn shares her incredible journey of leveraging social media, particularly TikTok, to skyrocket her real estate business. 📈🏡 Our co-host Lacey of The Broker Social fame, adds valuable insight from her side of the business where she helps agents grow their business through social m
Jul 23, 202437 min
New format - REALLY LIVE! | Increased Volumes | What will Tiffyboy do? | Inflation Report Recap | Appraisal Trends
The Green Effect Podcast is LIVE! Season 4 - Episode 20 New format - REALLY LIVE! | Increased Volumes | What will Tiffyboy do? | Inflation Report Recap | Appraisal Trends 🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of entrepreneurship. 🏡 🎙️ 🔍 In This Episode: 🏡 Updates on the real estate market: increased listings and buyer-seller negotiations. 📊 Analysis of recent unemployment numbers and the potential actions of
Jul 9, 202428 min
Building a Brand and Business | Canadian June Unemployment Stats | The Current Housing Market | Tiffyboy and What He's Thinking for July
The Green Effect Podcast is LIVE! Season 4 - Episode 19 Building a Brand and Business | Canadian June Unemployment Stats | The Current Housing Market | Tiffyboy and What He's Thinking for July 🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of entrepreneurship. 🏡 🎙️ 🔍 In This Episode: 🏡 Updates on the real estate market: increased listings and buyer-seller negotiations. 📊 Analysis of recent unemployment numbers and the
Jun 25, 20241 h 7 min
Social Media Impact for Realtors | Challenges for First Time Homebuyers and the Condo Market | The Current State of the Housing Market | Clients First and the Client Experience
The Green Effect Podcast is LIVE! Season 4 - Episode 18 Social Media Impact for Realtors | Challenges for First Time Homebuyers and the Condo Market | The Current State of the Housing Market | Clients First and the Client Experience Join host Stephen Green and guest host Bryan Braga, Mortgage Agent with The Financial Collective on the latest episode of the Green Effect Podcast as they sit down with Realtor Scottie Henderson. 🎙️ 🔍 In This Episode: 📲 The importance of originality in social media marketing . 🏡 The evolution of Scottie's real estate career . 💡 The impact of social media on se
Jun 11, 202437 min
Solo Again! | ADU's and Laneway Homes | Recent Employment Numbers | Bank of Canada's Rate Drop | Canadian Values CAN'T Drop!
The Green Effect Podcast is LIVE! Season 4 - Episode 17 In the latest episode of The Green Effect Podcast, Stephen Green dives deep into some of the most pressing topics affecting the Canadian real estate market and economy: 🏦 Bank of Canada's Rate Drop: How will this impact your mortgage and the housing market? 🏡 Affordable Housing: Insights on Justin Trudeau's latest comments and their potential effects. 📊 Employment Numbers: What do the latest figures mean for Canadians and the economy? 🏠 Property Appraisals & Additional Dwelling Units: How these changes could benefit homeowners and inv
Jun 4, 20241 h 18 min
The Power of Social Media | Partnerships and Referral Sources on Social Media | Authenticity and Relatability in Social Media Content
The Green Effect Podcast is LIVE! Season 4 - Episode 16 The Power of Social Media | The Power of Partnerships and Referral Sources on Social Media | Authenticity and Relatability in Social Media Content In this episode of the Green Effect Podcast, Stephen Green interviews Lacey Morrison, the founder of Broker Social Club. Lacey shares her journey of transitioning from being a mommy influencer and goldsmith to becoming a social media expert for mortgage brokers. She emphasizes the power of social media in building communities and establishing trust with potential clients. Lacey encourages authe
May 28, 202458 min
Real Estate Investing, Joint Ventures, Kingston Real Estate, Successful Student Rentals with René Masse
The Green Effect Podcast is LIVE! Season 4 - Episode 15 Real Estate Investing, Joint Ventures, Kingston Real Estate, Successful Student Rentals with René Masse, Investor /Realtor/Coach/Entrepreneur On this week's edition of The Green Effect Podcast, we have Rene Masse…or whatever his name is! Rene is a successful investor in the Kingston area as well as a realtor in Ontario. We talk about what a successful residential rental property looks like as well as the advantage of working with student tenants. We talked business in general and how he ended up in this line of work. Finally, I give Rene
May 21, 20241 h 2 min
Current State and Future of Mortgage Broker Technology with Tom Hall, Co-Founder, Blu Mortgage!
The Green Effect Podcast is LIVE! Season 4 - Episode 14 Current State and Future of Mortgage Broker Technology with Tom Hall, Co-Founder, Blu Mortgage! Very excited to have Tom Hall, Co- Founder of Blu Mortgage visits The Green Effect Podcast! Tom and his company are leading the industry with incredible mortgage technology solutions. Their Blu Mortgage platform is an industry leading solution for top performing mortgage agents and brokers in Canada. Pathway Pro, The Financial Collective's Top Level Mortgage Agent Platform is built on Blu Mortgage. Tom and I talk about the current state of mort
May 14, 202434 min
Mother's Day Weekend | Mortgage Broker Fined for Fraud | Canada Post Woes | Jobs Numbers - Good but Bad | Tenant Ordered to Pay A LOT of Money for Non-Res Landlord
The Green Effect Podcast is LIVE! Season 4 - Episode 13 Mother's Day Weekend | Mortgage Broker Fined for Fraud | Canada Post Woes | Jobs Numbers - Good but Bad | Tenant Ordered to Pay A LOT of Money for Non-Res Landlord In this episode, we explore a bunch of stuff starting with the joy of Mother's Day Weekend. We'll discuss how my wife and I spent our day…watching a roast! Switching to a tougher topic, we'll dive into the recent scandal of a mortgage broker fined for significant fraud, dissecting the details of the case and its repercussions on the industry and trust in financial professionals
Apr 30, 202427 min
Federal Budget Fallout | Rates. Up? Down? Sideways? | Death of the Middle Class | 3.9 Million Homes? | Now What?
The Green Effect Podcast is LIVE! Season 4 - Episode 12 Federal Budget Fallout | Rates. Up? Down? Sideways? | Death of the Middle Class | 3.9 Million Homes? | Now What? Join me this week as we dissect the most pressing economic issues. First, we delve into the recent federal budget's fallout—what it means for the economy and how it affects you. Then, we'll break down interest rates: Are they going up, down, or holding steady in this unpredictable financial climate? I'll also discuss the alarming trends contributing to the death of the middle class, and what policies might help revive it. Plus,
Apr 23, 202433 min
Market Update - Housing is moving! | Halal Mortgages - Clarity | Stupid Things My Prime Minister Says | Housing Thoughts and Where We are Going
The Green Effect Podcast is LIVE! Season 4 - Episode 11 Market Update - Housing are moving! | Halal Mortgages - Clarity | Stupid Things My Prime Minister Says | Housing Thoughts and Where We are Going We start the podcast this week with our usual market update going through the happenings of offers on homes and mortgage rates. We then begin to break down the federal budget that was released. We need to dispel the misinformation about Halal Mortgages. From there, we break into talking about where our housing numbers and behaviours are right now before we can really understand how much of a disa
Apr 16, 202455 min
Guest Appearance with Bryan Braga, Mortgage Agent with The Financial Collective!
The Green Effect Podcast is LIVE! Season 4 - Episode 10 Guest Appearance with Bryan Braga, Mortgage Agent with The Financial Collective! Bryan visits us to talk about his journey as a new Mortgage Agent in this insane market. We chat about COVID and the impact on all people who were looking to grow their careers at that time. Dive into the circle of life: Go to school, work, retire, and die…but, can you break the cycle? We go over his thoughts on the market specifically for millennials. Bryan is one of the only people who really understands starter homes, so we talk about it! Finally, how he s
Apr 9, 202434 min
Monitor problems | Social Media Consultant | Market Chat | Employment Numbers | CMHC Predictions | Bond prices and fixed rates
The Green Effect Podcast is LIVE! Season 4 - Episode 9 Monitor problems | Social Media Consultant | Market Chat | Employment Numbers | CMHC Predictions | Bond prices and fixed rates Nuts-o week! I hit on all three of The Green Effect Podcast's main topics…Finance, Life, and Business. I start by talking about my new and incredible experiences with a social media consultant. I then give an update on the real estate market and all the insane things that are going on. Canadian employment numbers are out and CMHC comes out with some very interesting predictions over the next couple of years around
Mar 26, 202430 min
Market Update - BIG Shifts! | Shameless Plugs on Programs: TFCMP.ca and PremierePartner.ca | Immigration Number CHANGES! | OSFI is ALIVE and Talking!
The Green Effect Podcast is LIVE! Season 4 - Episode 8 Market Update - BIG Shifts! | Shameless Plugs on Programs: TFCMP.ca and PremierePartner.ca | Immigration Number CHANGES! | OSFI is ALIVE and Talking! Really interesting week in the market…things are very much picking up and we talk about it. We've got some incredible new programs that we also chat about that you need to know about! We finish with two humungous announcements around lowering immigration numbers in Canada as well as OSFI coming to the table with some changes for mortgage lending into 2025. Instagram, YouTube, Facebook, TikTok
Mar 12, 202423 min
Market Talk | The B.O.C. Announcement - Now What? | Economy Worst Than Appears? | Rental Property Challenges
The Green Effect Podcast is LIVE! Season 4 - Episode 7 Market Talk | The B.O.C. Announcement - Now What? | Economy Worst Than Appears? | Rental Property Challenges Let's talk what is going on in the market! Multiples, over list price, going firm. Like it's 2021 all over again! Is the economy worst than things appear? We have high debt to income household debt and high business insolvency…not good. The B.O.C. and their thoughts on the housing market NOT being their problem. Instagram, YouTube, Facebook, TikTok: stephengreen.ca
Mar 5, 202432 min
The B.O.C. Rate Announcement | Quarterly Bank Earnings | Turnover Rents Up HUGE! | First Timer Incentive Axed | Rate Talk
The Green Effect Podcast is LIVE! Season 4 - Episode 6 The B.O.C. Rate Announcement | Quarterly Bank Earnings | Turnover Rents Up HUGE! | First Timer Incentive Axed | Rate Talk It's Bank of Canada Rate Announcement Week…almost as exciting as Super Bowl Week! What are they going to do? Quarterly bank results are out…who are the winners and losers. Hint, the casino always wins! Turnover rents are through the roof…what is the big picture impact? And finally, the Feds get rid of that crazy share-ownership program. Blah! Instagram, YouTube, Facebook, TikTok: stephengreen.ca
Feb 27, 202425 min
Personal Update | Inflation and Interest Rates | New Home Construction and Immigration | Fraud at HSBC
The Green Effect Podcast is LIVE! Season 4 - Episode 5 Personal Update | Inflation and Interest Rates | New Home Construction and Immigration | Fraud at HSBC We start with a personal update about me and my messed up world. Then move on to Canadian inflation talk which of course becomes interest rate talk. New home construction way down…shocker! But what role will a reduction in international students play? And finally, RBC's door prize for buying HSBC, HSBC is in some hot water over fraud allegations. Fun. Instagram, YouTube, Facebook, TikTok: stephengreen.ca
Feb 14, 202425 min
Personal Surgery Update | Roller Coaster Ride of Canadian Unemployment, US Inflation, and Tiffyboy Speaking | Mortgage Renewal Planning and Mortgage Planners
The Green Effect Podcast is LIVE! Season 4 - Episode 4 Personal Surgery Update | Roller Coaster Ride of Canadian Unemployment, US Inflation, and Tiffyboy Speaking | Mortgage Renewal Planning and Mortgage Planners Crazy week. Just crazy. Had an important surgery canceled, unemployment numbers and inflation are all over the place, and then Tiffyboy won't shut up. Nuts. We unpack two very significant report announcements around Canadian unemployment numbers, and US inflation numbers that truly did have an impact on the economy. We also talk about the importance of mortgage planning and what I'm s
Jan 30, 202427 min
Personal Updates | Rate talk…now what? | International Students and AirBNBs | What I'm seeing with mortgages | Crazy stats around new Canadians and housing starts
The Green Effect Podcast is LIVE! Season 4 - Episode 3 Personal Updates | Rate talk…now what? | International Students and AirBNBs | What I'm seeing with mortgages | Crazy stats around new Canadians and housing starts Had an up and down week…flooring, doctor, and lots-o mortgages. The B.O.C. had their rate announcement…boring but where are we going now? International Student admittance cap. When coupled with the AirBNB tax changes, all our housing problems are solved right? Finally, crazy stats revealed around new Canadians ratio to new housing starts…nuts! Instagram, YouTube, Facebook, TikTok
Jan 15, 202426 min
Fun Mortgage Rates Talk | Foreclosures and Power of Sales | Immigration Change of Direction? | Federal Government Not Getting the Love
The Green Effect Podcast is LIVE! Season 4 - Episode 2 Fun Mortgage Rates Talk | Foreclosures and Power of Sales | Immigration Change of Direction? | Federal Government Not Getting the Love Let's talk mortgage rates and the emotional rollercoaster that they are. Foreclosures and Power of Sales are big…but are they? And who are they really impacting? Is Canadian Immigration going a completely different direction? It's possible. Finally, JT and Disney+ Lady not feeling the love of Canadians…but why? Instagram, YouTube, Facebook, TikTok: stephengreen.ca
Jan 8, 202426 min
Happy New Year! | 2024 Predictions | Mortgage Rates and The B.O.C.'s choices | AirBNB Bans and Their True Impact…if any? | International Students | Housing in General
The Green Effect Podcast is LIVE! Season 4 - Episode 1 Happy New Year! | 2024 Predictions | Mortgage Rates and The B.O.C.'s choices | AirBNB Bans and Their True Impact…if any? | International Students | Housing in General 2024 is here…thank goodness! 2023 can just go f$#@ off! Let's talk about what 2024 has in store for us. Rates, mortgages, and immigration. Popular topics and all will impact the 2024 housing market. Sprinkle in some talk on AirBNB issues and you have a podcast that could prep you for 2024! Instagram, YouTube, Facebook, TikTok: stephengreen.ca
Dec 12, 202326 min
International Student Changes Coming! | AirBNB - What's in Store for People with AirBNBs? | The B.O.C. and their non-move on rates | What's Next For Housing?
The Green Effect Podcast is LIVE! Season 3 - Episode 40 International Student Changes Coming! | AirBNB - What's in Store for People with AirBNBs? | The B.O.C. and their non-move on rates | What's Next For Housing? International students have changes coming to their requirements to be here in Canada…will that change things? AirBNB bans in major urban centres…will this bring a landslide of inventory to the market or more long term rentals and CRA windfall? Yeah, I was wrong on The B.O.C. rate non-movement…let's talk about who I blame. And finally, what's next for Canadian Housing Armageddon? Ins
Dec 5, 202349 min
SPECIAL EPISODE | Housing Hell - Video Review | Bank Quarterly Earnings | Loan Loss Provisions
The Green Effect Podcast is LIVE! Season 3 - Episode 39 SPECIAL EPISODE | Housing Hell - Video Review | Bank Quarterly Earnings | Loan Loss Provisions VERY excited for this podcast. I bring the latest and greatest with the Banks' Quarterly Earnings…still making money! Also chat about Loan Loss Provisions and why no one should jump off any buildings just yet. The star of our episode is my side-by-side review of " Housing Hell: How we got here and how we get out.". Pierre Pollevre put this YouTube video out and you'll be shocked at the stats, numbers, and material…in an interesting way. Instagra

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