The Flow: Real Estate and Money Show

In today’s episode, Alex McFadyen brings on Daniel Foch. Daniel discusses his journey in using social media platforms like Twitter and Instagram to engage with audiences on real estate topics, reflecting on the differences in user engagement and content reception between the two platforms. The conversation also covers the challenges of rapid information and policy changes in the Canadian real esta...

In this episode, Alex McFadyen breaks down the latest changes in mortgage regulations and real estate guidelines introduced by the Canadian government. Starting with new CMHC rules that impact down payments and amortizations, Alex explores what these mean for first-time home buyers and the market. He also discusses the recent announcement by the BC NDP on a new homebuyers platform and its implicat...

Alex McFadyen, Mortgage Broker and Owner of Flow Mortgage Co., dissects the recent sweeping changes to the Canadian mortgage industry announced by the government, focusing specifically on CMHC-insured mortgages and their impact on buyers. He also delves into a significant rate cut announcement made by the U.S. Federal Reserve, explaining the potential implications for the Canadian financial landsc...

In this episode, Alex McFadyen from Flow Mortgage Co. engages Brendon Ogmundson from the BCREA in a comprehensive discussion on the housing market in British Columbia. Make sure to check out Episode 47 of The Flow for Alex's original conversation with Brendon. The conversation begins with some light banter about the Seattle Seahawks' latest game before diving into Brendon's recent YouT...

In this episode, Alex McFadyen from Flow Mortgage Co. humorously discusses the Bank of Canada's mandate to control inflation and its effectiveness over the past years. He provides an analysis of the recent rate cuts, examining their impact on variable and fixed mortgage rates. Alex details the market's current state and future projections, offering advice for homeowners and potential buyer...

In this episode, Alex McFadyen from Flow Mortgage Co. discusses the anticipated Bank of Canada (BOC) rate cut expected on September 4th, and its potential repercussions for the Canadian real estate and mortgage markets. The episode delves into the recent US economic data, Canadian bond yields, fixed and variable mortgage rates, and strategies for consumers managing renewals. It also touches on lon...

Alex McFadyen from Flow Mortgage Co. delves into the economic challenges In Canada (and the U.S.), highlighting the implications of inflation, job losses, and wage cuts on interest rates. The discussion centers on how the declining rates impact mortgage products, with practical advice for consumers on making informed decisions. Alex emphasizes the importance of keeping a flexible strategy in an ev...

In this episode, Alex McFadyen from Flow Mortgage Co. and guest Dave Larock from Integrated Mortgage Planners Inc. explore the latest developments in the Canadian mortgage market. They discuss the Bank of Canada's recent interest rate decisions, the impact on inflation and housing costs, and share predictions for the rate cut cycles. Dave offers a deep dive into the complexities of housing sup...

In this episode, host Alex McFadyen from Flow Mortgage Co. welcomes Brendon Ogmundson, the Chief Economist of the BC Real Estate Association (BCREA). They discuss the current state of the Canadian real estate market, focusing on challenges and changes over the past 12 months. Topics covered include the impacts of policy changes, the Bank of Canada's rate decisions, and projections for the rest...

Buckle up! Fixed Rates are plunging, but that's not all good news for the overall Canadian economy. In this emergency rate update episode, Alex McFadyen (The Mortgage Pug) delves into the recent changes in the Canadian economic landscape, ravaged by the recent U.S. stats. Particularly focusing on the impact of bond yields and the U.S. jobs report from early August 2024. This period saw signifi...

In this episode, Alex McFadyen analyzes the recent decision on July 24, 2024  by the Bank of Canada to reduce interest rates by a quarter percent (0.25%), twice within the past two months. The discussion focuses on the implications of these cuts on the Canadian real estate market, including insights from various surveys and market reactions. Key points include how these rate cuts are affecting fix...

In this episode, Alex McFadyen discusses the upcoming Bank of Canada's (BOC) Overnight Rate decision (on July 23, 2024) and its potential effects on the Canadian housing market. He reviews the trends over the past months, the current state of mortgage applications, and forecasts potential outcomes if the BOC reduces rates again. By examining recent news articles and surveys, Alex gives a compr...

In this episode, Alex McFadyen delves into a recent Financial Post article about a proposed home equity tax that could drastically alter the Canadian housing market. The proposal, supported by a leftist group and potentially backed by the current Liberal-NDP coalition government, aims to tax principal residences, particularly those valued over a million dollars. This episode breaks down the articl...

In this podcast, your host Alex McFadyen brings back on Bruno Valko, the VP of sales of RMG Mortgages, discusses the dynamics of the Canadian real estate market. FIRST, make sure to check out Episode 16 of The Flow when we first had Bruno on. Bruno and his team at RMG Mortgages are well known for their data-driven analyses of where the Canadian economy is at and how those trends will impact differ...

Alex McFadyen (The Mortgage Pug) delves into the Canadian real estate and lending markets' events in the first half of 2024 (January-June). Alex covers interest rate changes by the Bank of Canada, shifts in the bond market, and their impacts on fixed and variable rate mortgages. The discussion also includes the surge in property listings, trends among first-time homebuyers, and the challenges...

In this episode, Alex McFadyen brings on Kyle Grant from Grant Residential Group. Kyle is an experienced property manager. Kyle delves into the complexities of today's real estate market. From fluctuating rental rates and rising interest rates to new tenancy laws and the impact of government regulations, Kyle provides detailed insights into the challenges and opportunities for both landlords a...

In this episode, Alex McFadyen welcomes Ron Butler. Ron dives into the ongoing real estate crisis in Toronto and its broader implications for the Canadian market. He discusses the sharp decline in the value of commercial land and multifamily properties, particularly the 50% drop in condo prices over the past 14 months. Ron explores the potential consequences if a significant percentage of pre-sale...

This episode of The Flow delves into the Bank of Canada's decision to cut the overnight interest rate by a quarter percent on June 5th, 2024 to 4.75%, its first rate cut since 2020. Alex McFadyen focuses on the immediate and potential long-term impacts of this rate cut on the real estate market, mortgage consumers, and the broader economy. Key points include the effects on adjustable and fixed...

In this special preview episode, Alex McFadyen discusses the upcoming Bank of Canada's (BOC) rate announcement on June 5, 2024, and its potential impact on the Canadian real estate market, especially for those with variable rate mortgages. With economists previously predicting more rate cuts earlier in the year, there's now a higher probability of an imminent but gradual rate drop. We expl...

In this podcast episode, Alex McFadyen, from Flow Mortgage Co., delves into the imminent crisis in the real estate market, popularly termed as the 'renewal crisis' or 'renewal wall.' He discusses the recent OSFI report and its implications for borrowers, investors, and the housing market. The conversation covers the different types of mortgages, potential impacts of higher renewal...

Today’s episode of the Flow, Alex takes us on a deep analysis of the current Canadian real estate market, focusing specifically on CMHC's Mortgage Consumer Trends report for 2024. It discusses how the market environment, including government rule changes and tax guidelines, is influencing potential homebuyers and investors, and shares valuable statistics that could surprise many, from realtors...

Does the government want to kill housing rentals? With so many powers given to Canadian tenants in recent years, the sustainability to be a landlord has been called into question. In this compelling episode, Alex McFadyen dives deep into the tumultuous landscape of Canadian real estate investing, painting a vivid picture of the challenges and shifts faced by investors in recent years. The discussi...

In this podcast episode, Alex welcomes guest Austin Carroll to discuss his journey from a professional hockey career to his success in private equity real estate. Austin shares how he transitioned from playing hockey, including being drafted by the Calgary Flames and playing overseas, to investing in real estate while still an active athlete. The discussion delves into the intricacies of private e...

This episode of The Flow is a conversation Alex had with James “Jamie” Garbutt, a licensed realtor and co-owner of Steel & Oak Brewing Co. Alex and Jamie talk about the current state of the real estate market in British Columbia, focusing on investment opportunities, changes in zoning laws, and the impact of recent governmental tax changes on real estate investors. Jamie shares his journey fro...

This episode of The Flow delves into the implications of the newly announced 2024 Federal budget by the Canadian Liberal Government, particularly focusing on the real estate market. It highlights major changes, including an increase in capital gains tax from 50% to 66.7% for certain real estate investments, potentially affecting personal investments, property owners, and the real estate business b...