Shows / The Flow: Real Estate and Money Show
The Flow: Real Estate and Money Show
Welcome to The Flow: Real Estate & Money Show. The Flow is for people in Canada who are: looking to understand the homebuying process, to demystify real estate investing, and to make mortgage financing accessible for anyone. The goal here is to help people understand: ways to make their money work for them, get in the market sooner, and open up the box on how mortgage financing works. We hope to help you find your State of Flow. Hear something interesting? Let's Connect! Website…
Episodes
- The Flow: Real Estate and Money Show
OSFI Doubles Mortgage Qualification Tests: Stress test + LTI
This podcast breaks down OSFI’s January 29 decision to keep both the mortgage stress test and the new loan to income limits. It explains why this double layer…
- The Flow: Real Estate and Money Show
Bank of Canada interest rate announcement: What does this mean and what to do next
Alex explains why the Bank of Canada’s 2.25% rate hold is not the full story. Bond markets and bank forecasts are leaning toward higher rates, not cuts. He…
- The Flow: Real Estate and Money Show
Are Canadians FLEEING Canada: or did Trump END it
Ally & Eddie contact: Ally.swopes@engelvoelkers.com The episode breaks down why more Canadians are shifting real estate money out of Canada and into U.S…
- The Flow: Real Estate and Money Show
Canada’s 2026 real estate market EXPOSED: $576month renewal shock incoming
READY FRAMEWORK to decide if you should buy now: https://flowprocess.lovable.app/ready Alex breaks down Canada’s 2026 “mystery bottom” and says it’s a regional…
- The Flow: Real Estate and Money Show
1.15M Renewals in 2026: 720,000 Canadians Facing Payment Shock
Alex breaks down why 2026 may not be a housing recovery, even though CREA forecasts rising sales and prices. He argues the 1.15 million mortgage renewals…
- The Flow: Real Estate and Money Show
Trump’s $200B Mortgage BOMBSHELL is about to hit Canada!
Trump announced a $200B plan to buy up US mortgage debt to push rates down. Because US bond yields and mortgage rates often drag Canadian rates with them, it…
- The Flow: Real Estate and Money Show
Rent or Buy in 2026? Canada's Rental Flood Changes EVERYTHING
Canada is about to add roughly 180,000 new purpose-built rentals in 2026, pushing vacancy rates higher in major cities and making renting cheaper than owning…
- The Flow: Real Estate and Money Show
The 5 Canadian Markets That will EXPLODE in 2026 (And The 5 That Won't)
Alex explains that Canada isn’t one housing market anymore, and shows how prices are rising in some provinces while falling in others. He breaks down what’s…
- The Flow: Real Estate and Money Show
How To Choose Fixed vs Variable In 2026: The SIMPLEST way
Alex compares today’s fixed vs variable mortgage rates and shows what the payment and interest differences look like on real numbers. He uses Bank of Canada…
- The Flow: Real Estate and Money Show
2026 Canadian Real Estate: This is about to get CRAZY!
First Time Buyers https://flowprocess.lovable.app/ready Renewals https://flowprocess.lovable.app/smart Fixed vs. Variable PREPARE quiz…
- The Flow: Real Estate and Money Show
Vancouver Rental CRASH: 37 Year high Vacancy
Vancouver’s rental market just hit a 3.7% vacancy rate, the highest in decades, and it’s shifting power back to renters with more choices and incentives. The…
- The Flow: Real Estate and Money Show
Mortgage renewals in 2026: Your bank has you TRAPPED!
In 2026, about 1.15 million Canadians hit renewal, but the bigger danger is many will be TRAPPED because their home value dropped and their loan to value may…
- The Flow: Real Estate and Money Show
Canadian's are LEAVING the country: Ron Butler tells all!
Podcast with Ron Butler from the Angry Mortgage Podcast talks about how money is flowing out of Canada and soon Canadians might follow and leave the country.
- The Flow: Real Estate and Money Show
Mortgage Renewal in 2026: What Homeowners Need to Know Now
The Bank of Canada has paused rates at 2.25%, signaling the rate cutting cycle is over and that lower pre-pandemic rates are not coming back. With 1.2 million…
- The Flow: Real Estate and Money Show
How the BOC Rate could Trigger UNEXPECTED $1,000 payment JUMP
The Bank of Canada held rates at 2.25%, but the real story is the massive payment shock coming for Canadians renewing mortgages from the 2020–2022 period…
- The Flow: Real Estate and Money Show
Rate cuts are DEAD: Canada's job report EXPOSES EVERYTHING
Canada’s latest jobs report showed a shock drop in unemployment and a surge in job creation, which sent the bond market into panic and pushed fixed mortgage…
- The Flow: Real Estate and Money Show
19,642 Canadians Just Made The BIGGEST MISTAKE: CMHC's Q3 Data EXPOSES Everything
CMHC-insured mortgages jumped 43 percent in Q3, showing more Canadians are relying on insurance because saving twenty percent down has become nearly…
- The Flow: Real Estate and Money Show
1.2M Canadians Face a MASSIVE Payment Spike in 2026: Are You One of Them?
1.2 million Canadians are renewing mortgages in 2026, most coming off sub-2% rates and facing $500–$600 monthly payment jumps. Fixed gives certainty but higher…
- The Flow: Real Estate and Money Show
HELOC Debt Just EXPLODED: Canadians are running out of money!
Canadians have pushed HELOC borrowing to about $179 billion, rising at the fastest pace in 13 years while home prices remain flat or cooling. Homeowners are…
- The Flow: Real Estate and Money Show
Canada’s Housing Market Just Flipped: And No One Saw It Coming
Canadian home prices rose 0.2% in October: the first increase after eight months of declines, signaling a possible slowdown in the market’s freefall, though…
- The Flow: Real Estate and Money Show
1.8 MILLION Investors misunderstood this: OSFI new Rental Property Rule
Last month, the mortgage industry panicked when OSFI announced new rules that seemed to ban using personal income to qualify for investment property mortgages…
- The Flow: Real Estate and Money Show
4.5X Your Income: The NEW Mortgage Limit Coming to Canada in 2026
Canada's banking regulator is testing a new mortgage rule that could take effect by spring 2026, capping mortgages at 4.5 times your gross household income…
- The Flow: Real Estate and Money Show
50-Year Mortgages Could DESTROY Homeownership in Canada (And No One’s Talking About It)
Trump’s proposed 50-year mortgage lowers monthly payments slightly but adds hundreds of thousands more in interest, helping banks and builders while hurting…
- The Flow: Real Estate and Money Show
$78.3 Billion Deficit Just Changed Everything: Why Your 2025 Real Estate Plans Are Dead
Canada's 2025 budget just dropped with a staggering $78.3 billion deficit - and it changes everything for homeowners and buyers. With only $20 billion in new…
- The Flow: Real Estate and Money Show
Variable vs Fixed: The $25,000 Mistake Most Canadians Are About to Make
For the first time in three years, variable rates are cheaper than fixed, and inquiries have tripled. But the same day the Bank of Canada cut rates, bond…
- The Flow: Real Estate and Money Show
Home Ownership Rate CRASHES: The Death of the Canadian Dream
Home ownership in Canada has collapsed from 69.5% to 65.8% in just a decade, with first-time buyers dropping from 40% to only 10% of the market while $83.9…
- The Flow: Real Estate and Money Show
FINAL Rate Cut to 2.25%: Fixed Rates About to SPIKE
The Bank of Canada cut its policy rate to 2.25%, signaling the end of its easing cycle amid growing recession fears and structural economic challenges. While…
- The Flow: Real Estate and Money Show
$3.07 Trillion in Debt: Why 2 Million Canadians Won't Requalify at Their Own Bank
Canadians now owe $1.74 for every dollar they earn with household debt hitting $3.07 trillion, and that car loan or credit card is quietly killing your…
- The Flow: Real Estate and Money Show
Critical situation in Canadian housing market
In this conversation, Alex McFadyen delves into the troubling practices within the Canadian mortgage market, particularly focusing on the use of inflated…
- The Flow: Real Estate and Money Show
91,969 Listings Hit Canada: The Housing Market Just BROKE
Canada just hit a record 91,969 listings in September with only 43% selling, the weakest ratio since 1995, and consumer confidence has collapsed to just 16%…
- The Flow: Real Estate and Money Show
Why Rich Canadians Are Deleveraging Real Estate (And What You Should Do)
Canada just crushed job expectations with 60,400 new positions when economists predicted only 5,000, and the fallout is already reshaping mortgage rate…
- The Flow: Real Estate and Money Show
Toronto Home Prices Down 40% - But BMO Says It Gets WORSE
BMO Capital Markets just declared Canada's housing bubble has been deflating for three years, and we're only halfway through a correction that could last until…
- The Flow: Real Estate and Money Show
OSFI Just Changed Rental Mortgages: What Every Canadian Investor Needs to Know
Last week's OSFI announcement had investors thinking rental property investing was dead, but this week's clarification reveals the real impact is more nuanced…
- The Flow: Real Estate and Money Show
New 2026 Mortgage Rules Will Make BlackRock Your Landlord
Canada's banking regulator just finalized new mortgage rules for 2026 that will make it nearly impossible for average Canadians to build rental property…
- The Flow: Real Estate and Money Show
Bank of Canada Admits: Variable Mortgages Will Save Canadians $25,000
The Bank of Canada just slashed rates to 2.5% - the lowest in three years - but choosing between fixed and variable mortgages could cost you $25,000 over the…
- The Flow: Real Estate and Money Show
$15,000 Mortgage MISTAKE: 86% of Canadians Are Getting Robbed (And Don't Know It)
86% of Canadian borrowers are unknowingly overpaying $15,000 on their mortgages by choosing the "safe" 5-year fixed term, and recent jobs data has exposed…
- The Flow: Real Estate and Money Show
Variable Rates Are BACK - But Here's the Trap Everyone's Missing
Friday's jobs report flipped September 17th rate cut odds from 23% to 86% in just 72 hours after Canada lost 66,000 jobs when economists expected a gain of…
- The Flow: Real Estate and Money Show
77% of Canadians Are Wrong About September 17th - Here's What's Really Happening
77% of Canadians are waiting for September 17th, thinking it means cheaper mortgages and falling home prices, but they're wrong. Host Alex McFadyen breaks down…
- The Flow: Real Estate and Money Show
3.69% Mortgage Rates Are BACK - But Here's the Trap Everyone's Missing -E101
Mortgage rates just hit 3.69% for the first time since 2022, but this could be the worst news for unprepared buyers and investors who don't understand the trap…
- The Flow: Real Estate and Money Show
Your House Is NOT a Retirement Plan: Canada’s Wake-Up Call -E100
Most Canadians are banking on their home to fund retirement. In this episode, Alex McFadyen explains why relying solely on home equity is risky with renewals…
- The Flow: Real Estate and Money Show
Why Canada Can’t Build Enough Homes: Foreign Buyer Ban + Stress Test + CMHC Rules -E99
In this episode, we break down how Canada’s housing crisis has become a self-inflicted disaster. From the foreign buyer ban and CMHC’s tighter financing rules…
- The Flow: Real Estate and Money Show
SHOCKING: Canadian Mortgage Rates Now Follow US Policy (Not Bank of Canada) -E98
Alex McFadyen breaks down the surprising aftermath of consecutive Fed and Bank of Canada meetings, revealing why Canadian mortgage rates are now tracking US…
- The Flow: Real Estate and Money Show
MORTGAGE RATES BOTTOM REVEALED: CMHC Just Leaked the Exact Timeline (90% of Brokers Missed This)
CMHC just revealed the exact timeline for mortgage rate bottoms that 90% of brokers missed. Rates hit bottom Q2 2025, full recovery by Q3 2026 - buried on page…
- The Flow: Real Estate and Money Show
RATE HIKES ARE BACK: Why Banks Just Changed Everything (Canadians Will Pay More)
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…
- The Flow: Real Estate and Money Show
OSFI Is Warning of a Payment Shock. Are You Ready? -E95
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…
- The Flow: Real Estate and Money Show
$202,000 DOWN FOR A TOWNHOME? Canada's Housing is RIGGED -E94
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…
- The Flow: Real Estate and Money Show
Lock in? Float? Wait? Your mortgage indecision is costing you.
Feeling the pressure of mortgage decisions? This episode of the Flow Mortgage Co. podcast offers clear insights into the June 2025 Canadian mortgage market…
- The Flow: Real Estate and Money Show
Canada's Housing Crisis: Unpacking the CMHC Report & Rate Reality -E92
In this episode, Alex McFadyen of Flow Mortgage Co. addresses whether Canada is heading for a real estate and recessionary crisis, acknowledging that many…
- The Flow: Real Estate and Money Show
Why WAITING for Lower Mortgage Rates Will Cost You THOUSANDS -E91
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…
- The Flow: Real Estate and Money Show
Here's what the Bank of Canada didn't tell you in the latest announcement -E90
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…
- The Flow: Real Estate and Money Show
Should you get a FIXED or VARIABLE mortgage? -E89
This podcast episode dives into the current Canadian mortgage landscape, focusing on the pivotal decision between fixed and variable mortgage rates. The host…
- The Flow: Real Estate and Money Show
Survival of the Fittest: The New Reality for Canadian Homebuyers - E88
Explore the challenging realities of Canada's current housing market as Alex McFadyen unpacks the latest 2025 CMHC homebuyer study. Discover why a staggering…
- The Flow: Real Estate and Money Show
Canadian Real Estate At a Pivotal Moment: COLLAPSE or RECOVERY? -E87
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…
- The Flow: Real Estate and Money Show
Canadian Mortgage Renewal Apocalypse CANCELLED? -E86
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…
- The Flow: Real Estate and Money Show
Will Carney's Plan Fix Canadian Housing Crisis? -E85
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…
- The Flow: Real Estate and Money Show
Is Canadian Real Estate Actually in a Bubble? - E84
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…
- The Flow: Real Estate and Money Show
Bank of Canada Made a Bad Decision -E83
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…
- The Flow: Real Estate and Money Show
Market Volatility is Creating Mortgage Chaos w/Bruno Valko -E82
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…
- The Flow: Real Estate and Money Show
Will Canadian Real Estate Bubble Finally Burst? -E81
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…
- The Flow: Real Estate and Money Show
Will Poilievre's Capital Gains Tax Changes Put Canada First? - E80
This episode discusses the forthcoming changes in Canadian real estate and economy, stemming from Pierre Poilievre's recent bold promise to reduce or eliminate…