The Ottawa Real Estate Podcast (TOREP)
Paul Stevenson & David Warren · Ottawa, ON
Two Ottawa mortgage agents cover buying, selling and investing in Ottawa with frequent rate, Bank of Canada and first-time-buyer commentary.
Status: active
YouTube channel: 2.2K subscribers · 610.4K views · 982 videosPublic YouTube figures as of 2026-10-29; subscriber counts are rounded by YouTube.
Episodes
- 36 min
HST Rebates End as Selling a Home in Ottawa Gets Harder
Ontario is ending the $24,000 HST rebate on new builds as of April 1, 2027, the same day the enhanced rebate expires, all this while the Ottawa real estate market is already feeling the ripple effect. Selling a home has gotten tougher, buyers are pickier, and some new build buyers can’t sell their current place in time. We sat down with Ottawa real estate lawyers Natalie Guertin and Michèle Poirier to talk about what they’re seeing on closings right now. We get into why lenders still can’t agree on how to handle HST rebates, how that’s affecting down payments and appraisals, and why some buyer
- 37 min
Why Ottawa First Time Buyers Are Skipping the Starter Home
Ottawa first time buyers are walking into pre approval meetings looking at $700,000 and $800,000 detached homes, while the starter condo and townhome get passed over. We asked realtors at the Ottawa Real Estate Board trade show where they see the best buying opportunity over the next 12 months, and most of the ones we spoke with off camera pointed to the same place. We talk about older two and three bedroom condos and townhome condos in Ottawa, what to watch for with reserve funds and special assessments, and purchase plus improvements mortgages and how much renovation money some lenders will
- 26 min
Bank of Canada Rate Hike Odds Just Jumped to 87%
In just a few days, the market odds of a Bank of Canada rate hike on October 28 went from roughly 35% to 87%, and several of Canada’s big banks changed their forecasts along the way. We break down what triggered the shift, why some forecasters now expect back to back increases, and why choosing between a variable and fixed rate mortgage just got a lot more complicated. We also look at CMHC’s warning that today’s slowdown in new construction could create tomorrow’s housing shortage, what the foreign buyer ban set to expire on January 1 could mean for preconstruction sales, and whether builders
- 25 min
Canada Just Lost 68,000 Jobs. What Happens to Housing Next?
More homes are hitting the market, mortgage rates are climbing, and Canada just lost 68,000 jobs in a single month. Could the housing market be heading for a bigger shift? We break down the latest Canadian real estate trends, including rising housing inventory, home prices, and what the September numbers reveal about where the market could be headed. We also look at why some markets are holding up better than others, even as properties sit unsold and buyers become more cautious. We discuss the latest Canadian employment numbers, changing expectations for the Bank of Canada, and why fixed mortg
- 28 min
Ottawa Home Prices Are Down And Sellers Are Feeling The Pressure
Ottawa home prices may be holding relatively steady, but that does not mean the market has bounced back. Buyers are taking their time, sellers are adjusting expectations, and some Ottawa homes are selling for less than their owners paid just a few years ago. This week we have Greg Campbell with us to discuss what he is seeing across Orleans, Barrhaven, Kanata and other Ottawa neighbourhoods, including falling sales volumes, detached home prices, townhouse prices, condo inventory and the growing gap between asking prices and what buyers are actually willing to pay. We also look at why some sell
- 23 min
Mortgage Payments Are Straining Canadians More Than Ever
Mortgage payments are putting more pressure on Canadian homeowners, and the latest numbers show just how many borrowers are feeling it. This week we talk about the rise in financial difficulty, what mortgage renewals are actually looking like, and why the biggest challenge may no longer be rate shock but the monthly payment itself. We also look at where mortgage rates are sitting, what the bond market could signal for fixed rates, and how borrowers are adjusting their amortization and payment strategies as they come up for renewal. With more homeowners becoming conscious of their spending, sav
- 23 min
Mortgage Rates Are Climbing: What You Need to Know Right Now
Canadian mortgage rates are moving higher again, while inflation remains stuck at 3% and uncertainty around tariffs continues to weigh on the economy. This week we look at what is pushing fixed mortgage rates higher and why some borrowers who waited for lower rates are now seeing the opposite happen. We break down the latest Canadian inflation numbers, rising bond yields, slower mortgage borrowing, household debt, and what the Canada US trade situation could mean for future interest rates. We also discuss Ottawa real estate, the current buyer’s market, why some properties are still selling qui
- 25 min
Mortgage Rates Are Rising Again: What You Need to Know
Mortgage rates are rising again while Canada’s economy is sending mixed signals, and Ottawa’s housing market just posted a surprisingly sharp drop in sales. This week we break down the Bank of Canada’s latest rate decision, why inflation, oil prices, tariffs, and weak employment numbers are making future rate cuts harder to predict, and what rising bond yields could mean for fixed mortgage rates. We also look at Ottawa real estate, where August sales fell dramatically even though average home prices remained relatively stable. We also discuss the growing gap between buyers and sellers, rising
- 28 min
Is Your Mortgage at Risk? The Tariff Impact Explained
Are you concerned about the impact of tariffs on the Canadian real estate market and your mortgage in Ottawa? As a homeowner or potential buyer in the Ottawa real estate market, it's essential to understand how the recent tariff changes in Canada may affect your mortgage rates and the overall Canadian housing market. The Bank of Canada's decisions on mortgage rates can significantly influence the Ontario housing market, and as an Ontario landlord or tenant, it's crucial to stay informed about the potential changes. The Ottawa housing market is particularly vulnerable to these changes, and unde
- 27 min
50% US Tariffs Could Shake Canada’s Economy and Housing Market
Canada’s economy is facing another major shock, with a potential 50% tariff increase hitting $28 billion in Canadian goods. At the same time, inflation has risen, fixed mortgage rates are climbing, and Canadians are still dealing with a serious affordability problem. In this episode we talk about what is happening with Ottawa real estate, Canadian housing, mortgage rates, inflation, and the Bank of Canada. We also look at why five year fixed rates have moved into the mid fours, why more borrowers are considering variable mortgages, and what the latest inflation numbers could mean for interest
- 30 min
Are Ottawa Home Prices Done Falling? (July Market Update)
This week we look at whether Ottawa home prices may have finally bottomed out, what the latest market numbers are telling us, and why mortgage rates could still make affordability challenging. We also discuss Canada’s surprisingly strong jobs report, mortgage renewals, fixed rates, and how upcoming tariffs could affect the housing market. 00:13 Introduction to Ottawa real estate market 01:51 Current Perception Of The Real Estate Market 03:12 Mortgage Rates At Renewal 06:09 Getting A Mortgage With Bruised Credit 13:59 July Real Estate Stats 18:01 Job Numbers 24:47 Canadian Rent Prices Continue
- 26 min
Buyer Confidence Hits Record High as Market Forecast Darkens
CMHC says home sales could decline by about 3 percent this year while the national average home price is expected to dip slightly. At the same time, more Canadians are feeling confident enough to get back into the market. Is this the start of a real shift or are buyers getting ahead of themselves? 00:00 Tribute to Paul Rushforth 02:03 The Real Estate Market 08:50 Housing Forecast 12:11 Interprovincial Tariffs 13:28 Foreign Buyer Ban 18:27 More Canadians Are Using Mortgage Brokers 22:33 What Are The Benefits Of Using A Mortgage Broker? 24:56 Mood Boosts Get in touch with us! Paul Stevenson - Mo
- 24 min
Inflation Surprise Means Lower Interest Rates Coming?
Inflation came in lower than expected, Ottawa home buyers could save around $30,000 on new construction, and a major tariff announcement could create new uncertainty for Canada's economy. This week, we discuss the latest inflation numbers, what they could mean for future interest rates, why more Canadians are choosing variable rate mortgages again, Ottawa's new development charge reductions, the city's upcoming renoviction bylaw, and how recent trade news could affect the housing market in the months ahead. Whether you're planning to buy, sell, or simply stay informed, we break down the bigges
- 32 min
Why Canadians Can't Make Sense of These Headlines
Mortgage rates still are not moving, but the story behind them is changing fast. We discuss why the latest economic headlines are sending mixed signals and why even the biggest financial institutions are taking things one day at a time. In this week's episode, we discuss the latest Canadian jobs report, slowing manufacturing, the growing impact of artificial intelligence on the economy, and why bond markets continue to influence mortgage rates across Ontario. We also explore how uncertainty is affecting the Ottawa real estate market and why so many Canadians are struggling to make sense of con
- 29 min
Here's Why This Government Rebate Has Builders Paying Attention
A new government rebate could change the way many Canadians approach buying a home. In this week's episode of the Ottawa Real Estate Podcast, we break down the latest Government of Canada new home rebate, explain who may qualify, and discuss why this policy is already getting attention across the housing market. We also look at the latest Canadian real estate statistics, how builders are responding to changing demand, and why interest rates and bond yields continue to play such an important role in mortgage pricing. With expectations that fixed mortgage rates could ease in the coming months, w
- 41 min
Why Canadians Are Building Homes Instead of Buying Them
This week we sit down with Derek Serra, President of Westboro MIC, to discuss one of the biggest shifts happening in Canadian real estate right now. We explore why more Canadians are considering building their own homes, the hidden challenges of construction financing, and why private mortgages are becoming an increasingly important part of the housing market. We also discuss the condo slowdown, foreign buyer policies, construction costs, mortgage lending trends, and why many borrowers with excellent credit scores are turning to private lenders for short term financing solutions. Whether you'r
- 30 min
The Housing Market Feels Stuck. Here's Why.
Buyers are waiting. Sellers are hesitating. And mortgage rates are reacting to events happening far beyond Canada's borders. In this week's episode, we break down what's really driving today's market, whether buying before selling makes sense right now, where mortgage rates could go next, and why uncertainty may be the biggest force shaping real estate decisions in 2026. 00:00 Introduction and Personal Updates 01:08 Insights from Whitehorse: Housing Market and Lifestyle 05:30 Current Events Impacting Mortgage Rates 14:20 Understanding Mortgage Brokers and Their Role 21:36 Buying vs. Selling: S
- 30 min
Self-Employed? You Can Still Buy a Home in Ontario!
If your mortgage is renewing soon, the first offer you receive is rarely the final word. And if you are self-employed and have been told you do not qualify, there are programs most people never hear about that can change that conversation entirely. This week, we answer real questions from real Ottawa listeners, including fixed versus variable right now, what the renewal process actually looks like, and how self-employed buyers are getting approved without twenty percent down. 00:00 Intro 01:19 Current Market Trends and Observations 03:17 Understanding Mortgage Renewals 09:24 Fixed vs. Variable
- 35 min
Are Buyers Panic-Canceling Deals?
Something unusual is happening in the Canadian real estate market right now. This week we talk about buyers accepting offers and then walking away, what Canada's technical recession means for housing prices and mortgage rates going forward, and why rural properties are quietly becoming one of the most interesting opportunities in the market right now. We also make the case for why having the right professionals around you in this environment is more important than it has ever been. 00:00 Intro 01:28 Rural Property Trends and Buyer Behaviour 04:46 Unique Challenges in Real Estate Transactions 1
- 28 min
Is a Variable Rate Mortgage Your Best Move Now?
The conversation around fixed versus variable rates just shifted and the buyers who catch this early are going to be in a very different position than the ones who do not. This week, we break down why variable rates are increasingly becoming the more cost effective option right now, what Ottawa's unique spring market dynamics mean for buyers and sellers this season, and why military relocations create a pattern in the Ottawa market that most people outside the region never think about. 00:00 Introduction to the Spring Market 01:40 Spring Market Update 02:50 Military Relocations and Their Impac
- 29 min
Interest Rates vs Oil Prices: Which One Matters More?
Ottawa home prices and new listings are both up at the same time, and that combination is telling two very different stories depending on which side of the market you are on. In this episode, we break down the latest real estate numbers, what rising interest rates and global oil prices are doing to everyday affordability in Canada, and why the next five years in the housing market may look nothing like the last five. We also get into AI and tokenized investments and what those shifts could mean for how Canadians build wealth going forward. 00:00 Intro and Weekend Recap 01:41 April Real Estate
- 31 min
Your Mortgage Rate Just Got Hit by Global Conflicts
The Bank of Canada held rates but what Tiff Macklem said about sticky inflation should have every Canadian buyer and homeowner paying close attention. Global conflicts are pushing energy prices up, and that pressure is already working its way into mortgage rates and everyday costs across Canada. In this episode we discuss the rate decision, new government changes to mortgage insurance and the RRSP home buyers plan that most people have completely missed, and why no matter how good AI gets, it will never replace a real conversation when hundreds of thousands of dollars are on the line. 00:00 In
- 30 min
Canada Just Made a Massive Economic Move (Here's Why)
Re/Max is being acquired by Real Brokerage, Canada just announced its first ever sovereign wealth fund, and AI is quietly reshaping how real estate transactions happen. Three massive shifts landed in the same week and almost nobody is connecting the dots. In this episode we talk about what the Real Brokerage acquisition of Re/Max actually means for agents, buyers, and sellers in Canada. Real is a cloud-based tech-first brokerage and this deal is not just a business transaction, it is a signal about where the entire industry is heading. The sovereign wealth fund conversation is just as importan
- 31 min
Your Home's Price Doesn't Matter If This Is Wrong
Most people listing their home right now are focused on the wrong things entirely, and it is costing them offers they never even know they missed. In this episode Paul sits down with Frances Ebbrell, a real estate agent who has built her approach around something most agents never talk about: emotional storytelling. Frances breaks down why selling a home has nothing to do with listing its features and everything to do with making a buyer feel something the moment they walk through the door or read the listing description. She explains the difference between a home that sits and a home that get
- 25 min
The Six Week Window You Can't Miss
The spring market in Ottawa is not arriving the way most people expected, and if you are waiting for the headlines to tell you when to move, you are already behind. In this episode, we break down the March numbers and what they are actually signalling beneath the surface. Days on market dropped sharply, inventory is rising, and prices are quietly firming up in ways that do not show up in the general conversation yet. Detached homes, townhouses, and condos are each telling a different story right now and knowing which segment is leading the recovery could completely change your approach as a bu
- 34 min
New Build Prices Just Shifted: Here's What Changed
Most people buying a new build right now have no idea that the rules just changed, and whether that change puts money back in your pocket or quietly disappears depends entirely on what you know before you sign. In this episode we break down the new HST rebate rules and what they actually mean in practice, because the way builders and lawyers are handling these changes varies wildly and the difference could cost you thousands. We walk through four real scenarios that show exactly how this plays out at the table and what you need to ask before you get there. We also get into what is happening in
- 30 min
The $130,000 Rebate Nobody's Talking About Correctly
Everyone is talking about the $130,000 HST rebate but almost no one understands how it really works. We break down what is actually happening behind the scenes and why this confusion could cost buyers thousands. In this episode, we uncover the real mechanics of the Ontario HST rebate and we explore how purchase prices, incentives, and monthly payments are affected and why this one year window could be one of the most important opportunities in the Ontario housing market right now. If you are looking at new builds in Ottawa or anywhere in Ontario, or even Canada, this conversation will change h
- 48 min
First-Time Buyers Have Waited Years for This Market: Here's What Actually Happened
First time buyers in Canada have been told to wait, save more, and be patient for years now, and the market has not rewarded that patience. In this episode we sit down with Shaun Cathcart, Senior Economist at the Canadian Real Estate Association, and we get into what the actual data says about where the Canadian real estate market stands right now, how mortgage rate swings and global events are reshaping what buyers can realistically afford, and whether the long awaited recovery is something buyers can actually count on or just another headline that fades. Shaun also breaks down the housing su
- 26 min
Mortgage Renewals Are About to Get Expensive: Here's Why
Mortgage renewals could be the most expensive financial decision you have ever made without even realizing it. We are in a rate environment where even the experts admit predictions over three to five years are essentially guesswork. In this episode, we break down what is actually driving mortgage rates in Canada right now, why global events you would never think to connect to your monthly payment are quietly shaping what you will owe at renewal, and what Ottawa homeowners need to be thinking about before they sit down with their lender. 00:00 Introduction to the Podcast and Hosts 01:27 Market
- 31 min
Oil Prices and Why Your Mortgage Just Got Expensive
In this week’s episode of the Ottawa Real Estate Podcast, we discuss how global geopolitical conflicts are quietly influencing mortgage rates across Canada and why markets react so quickly to international events. We break down how oil prices, inflation pressures, and bond markets connect directly to the mortgage rates Canadians see today. We also talk about the latest market activity heading into the spring surge, the shifting housing supply across Canada, and why the role of mortgage brokers is becoming more important in today’s environment. 00:00 Intro 02:01 Market Trends and Spring Surge 0
- 30 min
If You Wait for a Crash You Could Lose Thousands in 2026
Most buyers are waiting for rates to fall or for a market crash that may never come. But what if 2026 is the year that waiting quietly costs you thousands? In this episode of the Ottawa Real Estate Podcast, we share what we learned at the Mortgage Professionals Canada Conference and how it could reshape your strategy. We talk about why rates are expected to stay stagnant in 2026, why a major housing crash is unlikely, and how demographic shifts are quietly driving long term housing demand across Ottawa and Ontario. We also talk about inventory levels, construction slowdowns, government policy
- 25 min
This New Mortgage Option Could Cost You Thousands More
A new 2 percent down payment program sounds like a breakthrough for first time home buyers. But when we look closer, the numbers tell a different story. This week on the Ottawa Real Estate Podcast, we break down Nova Scotia’s new down payment option and why it may come with higher mortgage rates than many expect. We connect the dots between inflation, housing affordability, and the growing impact of regulatory red tape on Canadian real estate prices. We also discuss recent inflation data, how it influences mortgage rates across Canada, and why structural housing policies continue to shape home
- 20 min
Listing First Could Be Your Biggest Advantage in This Changing Market
Most homeowners and buyers are flying blind in today’s real estate market: missed opportunities, longer sales cycles, and rising frustration. In this episode, we strip away the hype to reveal the real story behind Ottawa’s shifting real estate landscape and how you can navigate it safely. Discover why now is the perfect time to list if you want to maximize your sale, how weak demand is putting buyers in control, and what overlooked strategies can help you get ahead, like listing your home first or considering creative financing options. Don’t let market uncertainty hold you back! Listen now to
- 29 min
Federal Job Cuts, Rising Mortgage Arrears, and Canada’s Economy
In this week’s episode, we discuss how federal public service job cuts could influence Ottawa’s housing market and local economy. We talk about the recent rise in mortgage arrears across Canada and what it reveals about financial stress among homeowners. We also explore slower than expected GDP growth and how these economic signals are shaping real estate activity across Ottawa and the broader Canadian market. We share our thoughts on how job reductions could affect housing demand, local businesses, and financial confidence in the region. We also talk about how homeowners are navigating higher
- 44 min
Pricing Properties Wrong in Ottawa? Here's What's Failing
This week on the Ottawa Real Estate Podcast, we sit down with realtors Greg Campbell and Frances Ebbrell to talk about the shifts buyers and sellers are feeling right now across Ottawa. We talk about the benefits of home seller closing insurance, why buyer behaviour is changing, and how pricing strategies are making or breaking deals in today’s market. We also compare East and West Ottawa to see where real value is showing up for first time home buyers, how community vibes impact demand, and why smaller towns around Ottawa are creating stronger connections than ever. 00:00 Intro 04:08 Explorin
- 28 min
Is Your Divorce Costing You Your Home? It Doesn't Have To
As 2025 begins, buyer confidence is quietly returning to the Canadian real estate market. In this episode, we discuss what’s shifting beneath the surface, why experience matters more than ever in a tighter market, and how a little known CMHC program could change the conversation for couples navigating separation or divorce. We also break down recent CPI numbers and why more Canadians are suddenly asking about variable rates again. Is this the start of a meaningful reset in housing sentiment? 00:00 Introduction and Market Overview 07:14 Divorce and Real Estate Solutions 16:07 Current Mortgage T
- 28 min
The Real Reason Canadian Home Prices Are About to Rise
As 2026 begins, optimism is quietly returning to Canadian real estate. In this episode, we unpack what December numbers really say about buyer and seller balance, why downsizing has become more complicated than expected, and what modest price growth could look like in the year ahead. From employment trends to easing rental pressure, this conversation focuses on real market psychology and local insight rather than headlines. Is stability the real story of 2026? 00:00 Welcome to 2026: A Fresh Start in Real Estate 02:42 Market Sentiment: Balancing Buyers and Sellers 05:49 Navigating the Challenge
- 30 min
2025 Ottawa Market: Our Predictions Put to the Test
In this week’s episode, we look back at 2025 and put our real estate predictions to the test. We break down what actually happened in the Ottawa housing market, review the latest stats, and talk through inflation, mortgage rates, and shifting buyer and seller behaviour across Canada. We discuss why active listings surged, why single family homes kept prices moving, and why condos told a different story. We also talk about variable versus fixed rate mortgages, how inflation is shaping lending decisions, and why Ottawa continues to stay resilient compared to other Canadian markets. 00:00 Introdu
- 28 min
2026 Renewals Are About to Flood the Market
In this week’s episode we break down the real estate trends shaping buyer behaviour, the growing caution in the Canadian housing market, and why so many people are holding out for better deals. We talk about the impact of recent employment data on mortgage rates, the sudden appeal of variable rates over fixed, and why 2026 is shaping up to be a pivotal year with a surge in renewals and activity. We also discuss how bank consolidations may reshape lending across Canada and how Royal LePage’s price predictions align with what we are seeing on the ground. Rising mortgage arrears and tighter broke
- 31 min
Canada’s Housing Crisis: The Coming Reality Check
In this week’s episode of the Ottawa Real Estate Podcast, we look at why Canada’s GDP shocked the market and how interest rates, the bond market, and global influences are shaping real estate across the country. We talk about stalled business investment, soft consumer spending, and why the economy feels like it is running on fumes. We also break down the rise of bank consolidations, the changing mindset around homeownership, and why more young Canadians are turning to the booming stock market instead of real estate. 00:00 Intro and Personal Updates 02:49 Economic Overview: GDP and Market Trend
- 31 min
Canada's Real Estate Market Just Changed Forever
In this week’s episode we explore how the newly approved federal budget affects mortgage rate policy and why political stability plays such a crucial role in rate movements. We also look at the changes introduced by Bill 60 and how its updated landlord tenant rules may accelerate eviction timelines and influence rental supply. We also review the latest data on mortgage arrears and discuss what rising delinquency signals about household stress across the country. We compare fixed and variable mortgage rates and talk through what borrowers should consider as rate trends evolve. This episode brin
- 30 min
Inside Canada’s Real Estate Rollercoaster
In this week's episode we break down the latest national and Ottawa market data, revealing how month-over-month gains, shifting buyer behavior, and economic pressure points are shaping the fall market. From interest rate uncertainty to government budget impacts, this conversation explores the signals behind the volatility and what they may mean for buyers and homeowners. 01:38 Real Estate Market Overview 01:57 Budget Implications on Real Estate 03:23 Current Home Sales Trends 05:17 Market Volatility and Buyer Behavior 07:40 Investor Insights and Market Predictions 11:42 Economic Indicators and
- 32 min
Why Your Home Deal Is Falling Apart (And How to Avoid It)
In this week’s episode, we unpack everything shaping the Canadian real estate market right now. We explore how lenders are competing, the growing pressure of mortgage renewals, how appraisals are changing deal outcomes, and why gifted down payments are under closer scrutiny. We also break down Ottawa’s latest housing stats and what shifting job trends could mean for homeowners and buyers. 00:00 Introduction and Remembrance Day Reflection 02:06 Market Insights from the Centum Network Conference 03:20 Renewals and Market Dynamics 08:19 B Lenders not Renewing Client's Mortgages 10:36 Appraisals a
- 30 min
How the 2025 Canadian Budget Could Reshape Real Estate in Ottawa
This week we break down the 2025 Canadian budget and what it could mean for the housing market, mortgage industry, and everyday Canadians. We talk about the government’s focus on rental housing, the projected 78.3 billion dollar deficit, and how public sector job cuts could ripple through the real estate market. We also share our thoughts on transparency in government spending and what these changes might signal for the future of Ottawa’s housing landscape. 00:00 Intro 01:55 The Federal Budget 11:15 Job Cuts and Impact on the Real Estate Market 24:41 The Current State of the Rental Market 28:0
- 31 min
Bank of Canada Cuts Rates Again: Are We Entering a New Era for Canadian Real Estate?
This week, we unpack the Bank of Canada’s latest rate cut and what it signals for the future of Canadian real estate. We discuss how lower rates could impact variable mortgages, the growing influence of AI investments on jobs, and what the upcoming federal budget might mean for homeowners and renters. We also cover Ontario’s new housing measures and the ongoing need for efficiency in the landlord and tenant board. Watch the full episode to hear our take on how these shifts could reshape the market. 00:00 Introduction and Banter 01:51 Bank of Canada's Rate Cut 06:03 US Tariffs and Their Impact
- 33 min
Are We Already in a Recession? What Happens to Home Prices Next
This week, we unpack how Canada’s real estate market is reacting to a tough economic climate. From the latest insights at the Mortgage Professionals Canada Conference to the growing strain of inflation and development fees, we break down why prices are expected to dip over the next year and a half. We also explore how buyers are regaining negotiation power, what could happen with the upcoming federal budget, and why the next two years might reshape how Canadians buy and sell homes. 00:00 Introduction and Market Overview 02:42 Insights from the Mortgage Professionals Canada Conference 10:53 Cur
- 29 min
Mortgage Renewals: How to Survive a HOT Housing Market
In this week’s episode of the Ottawa Real Estate Podcast, we break down the surprising resurgence in Canadian real estate activity and what’s driving it. We talk about mortgage renewals, why more buyers are including conditions to sell their homes, how job market strength is influencing rate expectations, and why fixed mortgage rates haven’t dropped even as bond yields fluctuate. Plus, a bit of Thanksgiving humour to lighten things up. 00:00 Introduction and Market Overview 01:59 Multiple Offers On Properties 03:54 Renewals and Buyer Conditions 07:48 Job Market Insights and Economic Indicators
- 40 min
Surprising Stats and New Rules You Need to Know
This week in The Ottawa Real Estate Podcast, we break down the latest twists in the Canadian real estate landscape and what they could mean for buyers, sellers, and mortgage professionals. We unpack fresh September market stats, new OSFI rules on rental properties, and how recent political meetings could shape future tariffs and housing trends. We also take a closer look at the downtown Ottawa condo market and the Build Canada Homes budget to understand where opportunities may emerge. 00:00 Introduction and Market Overview 02:33 New Tariffs on the Horizon? 02:58 September Real Estate Stats and
- 32 min
Housing Market Shockwave: Bold Government Moves, Tariffs, and First-Time Buyer Doubts
This week on the Ottawa Real Estate Podcast we discuss the government’s Build Canada Homes initiative and whether it will truly deliver more supply or fall short like past promises. We unpack how new tariffs on wood and lumber could drive up construction costs and impact affordability. We also talk about the growing role of intergenerational wealth as parents step in to help first-time buyers, and why so many are still hesitant to purchase in today’s market. If you want to understand the trends shaping Canadian real estate right now, this episode is for you. 03:11 Government Housing Initiative
- 31 min
Mortgage Rates Drop But Is Canada Headed For Stagflation?
In this week’s episode, we discuss the Bank of Canada’s quarter point rate cut and what it means for variable and fixed mortgages. We break down why celebrating lower rates can be misleading if the economy is struggling, and why understanding the risks of variable rates is critical. We also cover Ottawa’s Housing Action Plan, how deferring development charges could accelerate new projects, and the impact of the Candice Greener Homes loan program ending for many homeowners. 00:00 Intro 00:54 New Sponsor: Easy Neon Signs 02:48 Discussion on Variable vs Fixed Rate Mortgages 06:07 How Lower Rates
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