The Flow: Real Estate and Money Show

Flow Mortgage Co
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  • Investing
  • Updated Weekly

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: getflowmortgage.ca Alex's Social Media: @themortgagepug Flow's Social Media: @flowmortgageco

  1. 10h ago

    SKYROCKETINGRates (How this could ruin Canadian Real Estate)

    ONE HIKE RARELY STAYS ONE HIKE 👀 • BoC is still sitting at 2.25%• The last 3 hiking cycles ran 3, 5 and 10 hikes Last cycle also had 50, 75 and even 100 bps moves 😬 If variable saves you $160/month on a $500K mortgage, run the numbers 1% higher. That’s roughly $275/month more. 🛠️ 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://getflowmortgage.ca/free/fixed-vs-variableWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

  2. Sep 8

    Japan is pushing YOUR Interest Rates UP (and what it means for Canada)

    The Bank of Canada did nothing on September 2nd. Seventh hold in a row. So why did the fixed rate market start pushing up? I got asked that about a dozen times last week, and everybody in the country is getting it wrong. 🛠️ 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://www.getflowmortgage.ca/free/f...WealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/sh...🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram:   / flowmortgageco  🐶 Alex's Instagram:   / themortgagepug

  3. Sep 3

    This "ALWAYS" Happens BEFORE the Bank of Canada Raises Rates

    🛠️ 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://www.getflowmortgage.ca/free/fixed-vs-variableWealthFlow Newsletter - Weekly market data & Economic Updateshttps://zfrmz.com/4hiodTOpjIgqNIy7fvmM💰WORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

  4. Sep 1

    This could force mortgage rates up (how it works when GDP goes up)

    In this episode, Alex McFadyen breaks down the recent economic data, the Bank of Canada's upcoming decision, and how tariffs and inflation impact mortgage rates and the housing market. He explains complex economic concepts in a clear way to help Canadians understand what it means for their finances. takeaways Canada's GDP growth in Q2 was 3.3%, exceeding the Bank of Canada's forecast.Potential output is the growth rate that keeps inflation stable, currently at 1.2%.Tariffs and trade tensions increase economic uncertainty, affecting interest rate decisions.The Bank of Canada is expected to hold rates steady at 2.25% in the upcoming meeting.Mortgage rates are rising as bond yields increase, impacting fixed-rate loans.Market expects no rate cuts in the near term due to strong growth and inflation data.Homeowners should review their mortgage terms and consider prepayment penalties.Economic uncertainty from tariffs could slow employment and housing demand. 🛠️ FREE TOOLS & RESOURCES:Rate 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://getflowmortgage.ca/starthttps://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

  5. Aug 25

    50% Tariffs on Canada could destroy mortgages...again

    In this episode, Alex McFadyen discusses how recent trade tensions and tariffs between the US and Canada could impact mortgage rates, housing, and the broader economy. He explains the mechanisms behind these effects and offers practical advice for homeowners and prospective buyers navigating uncertain times. Impact of US-Canada trade war on mortgage ratesHow tariffs influence inflation and interest ratesDifferences between fixed and variable mortgage ratesThe effect of trade tensions on employment and growthStrategic mortgage planning during economic uncertainty 🛠️ FREE TOOLS & RESOURCES:Rate 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://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/sh...🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram:   / flowmortgageco  🐶 Alex's Instagram:   / themortgagepug

  6. Aug 18

    Canadian Banks Won't Finance These 5 Properties in 2026

    You can fix almost anything about a property. You can't fix what it is on paper. These are the five property types I check the financing on before anything else, and one of them can leave you finding $200,000 in cash that you didn't plan for. I walk through what each one is, exactly where to spot it on the listing before you write an offer, and what I'd do if I already owned one. Leaseholds and acreages both have good buys in them, so this isn't a list of things nobody should touch. It's a list of things worth a phone call before your subject removal date. Send the listing to whoever is handling your financing. It takes half a day to find out, and it's the cheapest question you'll ask all deal. CHAPTERS 0:00 The five, and the one that costs $200,000 1:33 Leasehold: you own the building, not the land 5:08 Co-op: shares in a corporation, not a title 7:56 Micro units: the square footage lenders won't touch 10:16 Acreage: what a lender actually counts 13:10 Title risk: what the Cowichan ruling changed 16:15 When it's still fine to buy one anyway 17:42 The one thing to do before subject removal Alex McFadyen is a mortgage broker in British Columbia Flow Mortgage Co works with roughly 500 families a year across BC. 🛠️ 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://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

  7. Aug 11

    Reverse Mortgages are Making Canadians BROKE (r)

    Alex McFadyen discusses the intricacies of reverse mortgages in Canada, including recent rate changes, different options available, and how to determine if a reverse mortgage is right for you or your parents. We cover:Recent rate cuts by Canadian reverse mortgage lendersHow reverse mortgages work and who qualifiesComparison of reverse mortgage, line of credit, and traditional refinanceImpact of interest compounding and rate type on costsImportance of understanding future balance and property value growth 🛠️ 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://getflowmortgage.ca/starthttps://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/keywordsreverse mortgage, Canadian housing market, mortgage options, interest rates, home equity, financial planning, property value, mortgage comparison, inheritance planning

  8. Jul 28

    Trump's 50% Tariffs Are Pushing Canadian Mortgage Rates Up

    On July 21, the US hit $28 billion of Canadian exports with 50% tariffs under a 1930 law with no confirmed use in roughly 90 years. They take effect August 19, and there's no CUSMA exemption this time. Last tariff war, Canadian fixed mortgage rates fell. This time opened the other way, and the gap is $264 a month on a $600,000 renewal. 🛠️ 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://getflowmortgage.ca/contactFlow Mortgage Co https://getflowmortgage.ca 🌊🌊🌊🎙️ Make sure to check out our brand new podcast, "The Flow: Real Estate & Money Show" wherever you listen to podcasts. https://podcasters.spotify.com/pod/show/the-flow-show-real-estate🌐If this content lights a bulb for you, give us a like, share, and make sure you're subscribed to Flow Mortgage Co. 🌊🌊🌊For daily content make sure to follow us on social media!🌊 Flow Instagram: https://www.instagram.com/flowmortgageco/🐶 Alex's Instagram: https://www.instagram.com/themortgagepug/

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About

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: getflowmortgage.ca Alex's Social Media: @themortgagepug Flow's Social Media: @flowmortgageco

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