Host David Fleming is joined by mortgage expert Tony Della Sciucca for a candid discussion on Toronto’s mortgage market and its impact on buyers, investors, and the real estate landscape as a whole. With two decades of experience, Tony brings invaluable insights into navigating today’s interest rate environment, the changing policies at CMHC, and what buyers and investors should prepare for as we head into 2025.
Whether you’re a first-time buyer, a seasoned investor, or just curious about the future of the housing market, this episode is packed with critical advice and insider knowledge to help you make informed decisions.
In This Episode:
- The current state of interest rates and where they’re headed in 2025
- Fixed vs. variable mortgages: Which is right for you?
- How CMHC’s new $1.5M insured mortgage cap and 30-year amortization policy changes the game
- Strategies for managing cash flow as an investor
- Why Canada’s mortgage stress test could be overdue for reform
Timestamps:
00:00 - Introduction
00:05 - Meet Tony Della Sciucca: Toronto mortgage expert
01:00 - Why interest rates are driving today’s real estate decisions
10:15 - Fixed vs. variable rates: The pros and cons
20:30 - CMHC’s policy changes: What you need to know
30:20 - How investors can navigate today’s market challenges
45:50 - Why removing the stress test could boost affordability
55:10 - Predictions for mortgage rates in 2025
Don’t Miss:
- Tony’s advice for first-time buyers trying to balance risk and stability
- David’s perspective on why investors should prepare for a market rebound
- A lively debate on whether Toronto is becoming a renters-only city
Subscribe to The Last Honest Realtor on YouTube or your favorite podcast platform for weekly insights into Toronto real estate. Like, comment, and share your thoughts—are you a fixed-rate fan or a variable-rate risk-taker? Let us know in the comments!
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