The Flow: Real Estate and Money Show

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 Fixe...

🚨 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 wond...

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...

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 swi...

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 premi...

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 R...

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...

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 Intere...

🛠️ 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://...

🛠️ 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://...

🛠️ 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:...

🛠️ 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/4hiodTO...

🛠️ 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://...

🛠️ 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://...

🛠️ 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://...

🛠️ 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://...

🛠️ 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://...

🛠️ 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/4...

🛠️ 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.co...

🛠️ 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://...

🛠️ 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://...

🛠️ 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://...

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. The...

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 t...

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,...