The Flow: Real Estate and Money Show

Alex McFadyen breaks down the surprising aftermath of consecutive Fed and Bank of Canada meetings, revealing why Canadian mortgage rates are now tracking US policy more than Canadian decisions. This data-heavy episode explores eight key takeaways from recent central bank announcements, including why fixed rates might stay higher longer, which regions offer the best real estate opportunities, and why variable rates could outperform ...

The Canadian mortgage market has experienced a dramatic reversal, with banks now suggesting rate hikes are back on the table instead of the expected rate cuts, driven by core inflation hitting 3.4% - well above the Bank of Canada's 2% target. This shift is particularly concerning given that 2026 will see record-high mortgage renewals, meaning millions of Canadians could face significantly higher payments than anticipated. The h...

Are you ready for your mortgage renewal? With up to 60% of Canadian mortgages renewing by the end of 2026, many homeowners are facing payment increases of up to 40%. This episode breaks down the renewal crisis, exploring the risks and outlining concrete strategies to navigate the changing market. Host Alex McFadyen dives deep into the pros and cons of fixed, variable, and hybrid loans, and shares insider tips on how to negotiate wi...

Canada's housing market has reached a breaking point. In this episode of The Flow: Real Estate & Money, Alex McFadden exposes the harsh realities behind the affordability crisis. A $1.011 million home is now considered "affordable" despite requiring two six-figure incomes and a $202,000 down payment. Foreign buyer taxes and bureaucratic permit delays have only worsened the problem.

Alex breaks down the systemic fai...

Feeling the pressure of mortgage decisions? This episode of the Flow Mortgage Co. podcast offers clear insights into the June 2025 Canadian mortgage market. Host Alex explains the financial risks of delaying your mortgage decisions, why waiting for "perfect" market conditions is a losing game, and how understanding rate risk can save you thousands. We dive into the latest data from variable rate demand shifts to GDP contr...

In this episode, Alex McFadyen of Flow Mortgage Co. addresses whether Canada is heading for a real estate and recessionary crisis, acknowledging that many Canadians are struggling with rising rents and mortgage costs. He breaks down the CMHC Home Affordability Report, which confirms severe housing supply issues, noting an annual shortfall of 200,000 new homes and that a 2030 timeline for resolution is no longer realistic. McFadyen ...

They say you should wait for mortgage rates to fall, but what if that's the most expensive myth in Canadian real estate right now? In June 2025, fixed mortgage rates are actually RISING, and it has little to do with the Bank of Canada's announcements.

In this episode, Alex McFadyen pulls back the curtain on what's really happening in the market. Learn about the critical factors you're probably not watching, like ...

The Bank of Canada held rates, but don't let that fool you... the market isn't anticipating cuts, and inflation is far from over. In "Fixed, Variable, or Broke?", we'll dissect the BoC's unspoken signals and reveal why fixed mortgage rates might rise, not fall. Discover why adaptability, not just a low rate, is your winning strategy in a market where debt is quietly sabotaging mortgage readiness. Tune in f...

This podcast episode dives into the current Canadian mortgage landscape, focusing on the pivotal decision between fixed and variable mortgage rates. The host analyzes how recent market changes, including Bank of Canada's interest rate holds and shifts in bond yields, are influencing this choice. The episode breaks down current uninsured mortgage rates, historical trends over the last 20-25 years, and forward market projections ...

Explore the challenging realities of Canada's current housing market as Alex McFadyen unpacks the latest 2025 CMHC homebuyer study. Discover why a staggering 65% of first-time homebuyers are pushing their finances to the absolute limit and how a "co-ownership boom" sees over 54% teaming up with non-traditional partners just to enter the market. In a landscape Alex calls "survival of the fittest," gain crucia...

This podcast dives into the critical juncture facing Canadian real estate, exploring whether the market is headed for a significant downturn or a period of recovery. Host Alex McFadyen breaks down five key factors that could lead to a market collapse, such as the impact of US tariffs on inflation and mortgage rates, the lengthy time it takes Canadians to save for a down payment, and declining sales in major markets. Conversely, he ...

Did the Bank of Canada just cancel the Mortgage Renewal Apocalypse we were all worried about? Host Alex McFadyen from Flow Mortgage Co. unpacks important insights from the latest CMHC Financial Stability Report. Alex delves into critical topics such as the high household debt in Canada, trade policy volatility, and the upcoming wave of mortgage renewals set to hit in 2025-2026. He explains how these factors could impact homeowners,...

The Liberals retained power in Canada! But will they even make a dent in housing? Alex McFadyen, owner and Mortgage Advisor at Flow Mortgage Co., delves into Prime Minister Mark Carney's bold plan to build 500,000 homes annually in an effort to resolve Canada's decade-long housing crisis. Alex examines Carney's strategies, comparing them to historical attempts by the liberal government, and evaluates their feasibility b...

Is Canada actually in a real estate bubble like everyone says it is? Host Alex McFadyen dives deep into the pressing question. The discussion encompasses key factors including price to income ratios, debt to GDP ratios, mortgage stress, and the impact of recent political developments. Alex provides a thorough examination of both sides of the argument, presenting evidence for the possibility of a bubble as well as reasons why Canada...

Did the Bank of Canada make the worst decision? Alex delves into the Bank of Canada's (BOC) recent decision to pause interest rates at 2.75%, exploring its implications on the Canadian real estate market and mortgage strategies. We discuss the context of a weak growth outlook, rising job losses, and falling inflation, as well as the potential impact of the upcoming Canadian election. Key topics include the 'sticky' core...

In this episode, host Alex McFadyen from Flow Mortgage Co. welcomes Bruno Valko, Vice President of Sales at RMG Mortgages, to discuss the complexities of the Canadian real estate market and mortgage rates amid economic uncertainties. The conversation explores the impact of the US Federal Reserve's decisions on Canadian bond yields, mortgage rates, and real estate values. They cover various topics, including the role of the Bank...

Are we about to experience a massive recession? Alex McFadyen, also known as the Mortgage Pug, delves into the severe market downturn that saw over $6 trillion wiped off North American stocks. The US administration's firm stance on tariffs under Trump is causing substantial consumer confidence issues, likened only to COVID and the 2008 recession. The episode explores the interconnectedness of these economic shocks with the real...