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Episode 61: Variable vs Fixed (Explained) + The Land-Claim Mortgage Crisis

Send us a text Rates fell 0.25—but fixed didn’t budge. Richmond’s land-title fight spooked lenders. Condo sales tanking in the GTA. CRA pays a $4.99M refund automatically(?!). BC Hydro bans new crypto-mining hookups. We break down what actually affects your mortgage today, how variable vs fixed really works, and the real-world fallout if lenders refuse renewals on contested land. In this episode:• Variable vs Fixed: why only one moved after the cut• Adjustable vs fixed-payment variables (and how your payment changes)• When to lock your variable into a fixed (signal to watch: bond yields)• Richmond land claim → renewals, valuations, insurability• GTA condo freeze, Amazon job-cut chatter, Chinese EV tariffs talk• BC Hydro’s crypto/data-center limits & what that means for innovation• Ontario’s proposed HST relief for first-time buyers (what it actually saves) Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/ Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/ Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Episode 60: Banks: profits + layoffs signal cost-cutting cycle

Send us a text Canada’s economy is sending mixed signals—and mortgages, housing, and jobs are caught in the crossfire. Alex & Alex unpack September’s jobs print vs. unemployment, inflation ticking to ~2.4%, and what that means for the next Bank of Canada move. We also hit breaking headlines: the Ontario ad that sparked a Canada-US tariff spat, bank record profits alongside layoffs, Stellantis/GM shifts in auto manufacturing, and why “missing middle” construction is booming in Alberta but stalling in Toronto/Vancouver. Plus: CRA call-centre accuracy shockers, mortgage-fraud fines in the GTA, Richmond land-claim jitters in B.C., and global demographics—Poland’s tax break for bigger families vs. Japan’s hard line on immigration. Practical takeaways for buyers, owners, and investors in a market that feels different city to city.  Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/ Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/ Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/