The Flow: Real Estate and Money Show

This episode discusses the forthcoming changes in Canadian real estate and economy, stemming from Pierre Poilievre's recent bold promise to reduce or eliminate capital gains taxes. This move could benefit small business owners and investors, addressing Canada's GDP challenges over the past decade. The episode provides historical context for current capital gains tax rules, compares them to...

Join Alex McFadyen as he dives into the latest in Canadian real estate and mortgage news. In this episode, Alex covers the recent announcement by Mark Carney to potentially eliminate the 5% GST for first-time home buyers on new development properties. He analyzes whether this move will impact the market and compares it with similar promises from conservative leader Pierre Poilievre. Additionally,...

Is there a brand new MAJOR opportunity for Canadian First Time Homebuyers? Join Alex McFadyen, owner and Mortgage Advisor at Flow Mortgage Co., as he dives deep into how the Bank of Canada's recent rate cuts and ongoing tariff disputes are impacting Canadian homeowners. Alex discusses the financial pressures on small business owners and average Canadians, the implications for the real estate m...

In this episode, Alex McFadyen, owner of Flow Mortgage Co., reviews how recent tariff announcements from the Trump administration have influenced Canadian interest rates and the housing market. He discusses the market's volatile reaction to tariffs, the Bank of Canada's responses, and what these changes imply for mortgage rates. Alex also offers strategic advice for those in the real estate indust...

Are the Tariffs finally happening or not? Host Alex McFadyen, delves into President Trump's March 3rd announcement regarding the implementation of tariffs on Canadian imports, including a 25% tax on goods and a 10% tax on energy products. The discussion covers the immediate market reactions, such as the drop in bond yields and the subsequent impact on mortgage rates. Alex outlines potential co...

In this episode, Alex McFadyen tackles the pressing issue of 1.2 million Canadian mortgages renewing in 2025 with significantly higher interest rates. He discusses the potential impact on the housing market, the financial strain on households, and various coping strategies. The episode also explores the effects of inflation, tariffs, and economic uncertainty on the real estate market, offering pra...

Today we get a chance to welcome back David Smith to The Flow, a Realtor at the David Smith Homes Group and co-owner of Royal LePage Wolstencroft brokerage. Alex McFadyen, your host, and David, delve into the current Canadian real estate market dynamics, focusing on key issues like low sales ratios and the overflow of inventory, particularly in major metropolitan areas. The conversation explores t...

Alex McFadyen, mortgage broker and owner of Flow Mortgage Co., dives into the complex mortgage landscape of 2025 amid economic uncertainty brought on by fluctuating tariffs and varying interest rates. He discusses the 'mortgage renewal cliff' phenomenon and offers detailed strategies for choosing between fixed and variable rates. Alex also examines the impact of U.S. trade policies under the Trump...

In this episode, Alex McFadyen, mortgage broker and owner of Flow Mortgage Co., provides an in-depth analysis of how Trump's proposed tariffs on Canadian goods could impact the mortgage market. After multiple attempts to record this episode due to constant changes, Alex discusses the potential economic repercussions, including inflation spikes and the effect on mortgage rates. He offers practi...

In this episode, host Alex McFadyen delves into the upcoming Bank of Canada rate cut and its implications on variable rate discounts. McFadyen explains why these discounts are disappearing and how it affects borrowers. He also explores the broader economic impacts of potential tariffs introduced by Trump, including their effect on the Canadian GDP. Listeners will gain insight into the complexities...

In this episode, Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., delves into the potential impacts of US tariffs on Canadian exports, focusing particularly on real estate and mortgages. He discusses the possibility of a 6% GDP contraction and its implications on mortgage rates, job losses, and consumer spending. Alex also explores how tariff-induced economic changes could present bo...

In this episode, Alex McFadyen from Flow Mortgage Co. delves into the historical patterns of real estate interest rates over the past 30 years and their implications for future market conditions. The discussion aims to equip viewers with the knowledge needed to navigate rate cycles, make better mortgage decisions, and handle potential economic fluctuations. McFadyen underscores the importance of u...

In this episode of the podcast, host Alex McFadyen dives deep into the factors likely to influence mortgage rates and the real estate market in Canada for the year 2025. Covering topics from Canada's economic outlook and disinflationary vs. reinflationary forces, to anticipated regulatory changes and rate predictions, Alex offers a comprehensive analysis. He also looks at key influences such as US...

And just like that 2024 has come to a close. Alex McFadyen from Flow Mortgage Co. delves into the complexities of the 2024 real estate market, discussing its sluggish start and notable events that have shaped the landscape. Key points include government interventions, trends in interest rates, and significant policy changes, such as BC's property transfer tax exemptions and the federal government'...

In this episode, Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., discusses five major guidelines that many people overlook when qualifying for a mortgage. These include myths about employment duration, options for self-employed individuals, using child tax benefits, the impact of debt on qualification, and leveraging rental income from appraisals. Alex emphasizes the importance of u...

On December 11, 2024, Tiff Macklem and the Bank of Canada (BOC) cut interest rates by half a percent, bringing the overnight rate to 3.25%. This change has significant implications for variable rate mortgages and lines of credit, while fixed rates remain influenced by bond yields. Banks are also adjusting discounts on variable rates due to increased demand. Furthermore, new mortgage rules introduc...

In this episode, host Alex McFadyen of Flow Mortgage Co. discusses the highly anticipated Bank of Canada (BOC) rate announcement, its impact on the housing market, and the mixed reactions of various stakeholders. He delves into the recent Canadian job report, highlighting a spike in unemployment and its implications for the BOC's decision to potentially cut interest rates. McFadyen also examines t...

Host Alex McFadyen welcomes back mortgage expert Rob McLister. Rob, editor at MortgageLogic. News, discusses the influence of U.S. politics and economy on Canadian mortgage rates, notably assessing the potential impacts of Trump's policies and the electoral climate on future rates. Alex and Rob explore how Canadian interest rates are closely tied to U.S. economic performance, mortgage decision str...

Alex McFadyen of Flow Mortgage Co., dives deep into various significant developments in the Canadian real estate and economic marketplace towards the end of 2024. Key topics include the resurgence of consumer confidence amidst decreasing mortgage rates, an uptick in real estate sales, and notable shifts in bond markets. Additionally, the discussion highlights the Canadian government's recent $4.3...

In this episode, host Alex McFadyen and guest Adam Scalena, a Vancouver-based realtor and co-host of the Vancouver Real Estate Podcast, delve into the current state and future projections of Vancouver's real estate market. Adam and Alex reflect on the predictions they made about Vancouver Real Estate in 2024 from Episode 15 of The Flow. They discuss the impact of interest rates, the resilience of...

Trump won! Are we in for doom in the Canadian Markets? Alex McFadyen of Flow Mortgage Co. explores the implications of Donald Trump's recent U.S. election victory for Canadian real estate and mortgage rates. The discussion covers the historical correlation between U.S. policies and Canadian mortgage rates, the effect of U.S. treasury yields on Canadian bond yields, and how these changes could infl...

In this episode, host Alex McFadyen of Flow Mortgage Co. discusses the state of the rental market in Greater Vancouver with Keaton Bessey, Managing Broker of Greater Vancouver Tenant & Property Management Ltd. The conversation delves into several topics, including the slow market trends throughout 2024, the impact of an increased supply of rental properties, the correlation between rental and...

Join Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., as he delves into the bombshell announcement last week from the Bank of Canada. In this episode, Alex discusses the recent Bank of Canada rate cut on October 23, 2024, and its implications for the economy and housing market. He evaluates future predictions, including potential further rate cuts by December and the effects on borro...

In this comprehensive episode, Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., sits down with Heather Blaeser, a realtor specializing in development pre-sales, to dive deep into the complexities and nuances of the real estate market. The conversation covers a vast array of topics, from the historical boom and bust cycles in regions like Revelstoke, Canmore, and Kelowna, to the uniqu...

In this episode, Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., explores various significant changes impacting the Canadian real estate market. Starting with the Canadian Federal Government’s October 8th announcement on the return of insured refinancings, a program which facilitates constructing secondary suites up to 90% of a property's 'as complete' value, Alex examines how these...