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The Green Effect PodcastAuthor: Stephen Green
Finance, life, business and everything in between! Reboot 2022! Brand new content with just myself gabbing away about the real estate world, personal stuff going on in my life, stories as an investor, and whatever else fits my fancy! Proudly sponsored by Top Consulting: topconsulting.ca Language: en Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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S6 E16: Fixed Rates Tick Up, 50% Tariffs & My Canadian Housing Bottom Call
Episode 16
Tuesday, 28 July, 2026
Fixed mortgage rates moved up this week — not by much, but enough to notice. In this episode, Waterloo mortgage broker Stephen Green traces the line from a trade dispute, to the bond market, to your mortgage payment, and then looks forward at where this market actually goes from here. IN THIS EPISODE: • Proposed 50% US tariffs on autos, dairy and alcohol — and whether CUSMA blocks them • The bond yield connection: why fixed rates followed, and by roughly how much • Bank of Canada's hold, June inflation, and what the next print could look like • Unemployment near 6.5% and why it's the number that matters most right now • CREA's lowered national forecast — with Ontario as the one bright spot • Waterloo Region: average price down 6.4%, sales down 2.9%, Cambridge sales up 15.2% • Single-family building permits near zero while rentals flood the supply pipeline • Stephen's mid-2027 bottom call and why he doesn't believe a crash is coming • First-time buyers: strong inventory, best affordability in years, and why your offer stands out • The strategy conversation to have before you buy with a home still to sell • Current fixed and variable rate landscape • Gifted down payments now appearing on more than half of first-time buyer files • Public service announcement: do not auto-sign your bank renewal letter KEY TAKEAWAYS: 1. Fixed rates follow bond yields — trade news reaches your mortgage faster than most people realize. 2. Employment is the foundation. Watch the unemployment rate more closely than the rate announcements. 3. Gradual and bumpy beats a boom. Smaller peaks and valleys are a healthier market than 2021 was. 4. If you're renewing, a letter from your bank is a starting point — not an offer you have to accept. Enjoying the show? Please subscribe and leave a 5-star review — it genuinely helps more Canadians find these breakdowns. WATCH & LISTEN: YouTube: https://www.youtube.com/channel/UCZwLHIk2V8EIkDeRVx4EjwA Apple Podcasts: https://podcasts.apple.com/us/podcast/the-green-effect-podcast/id1434969273 Spotify: https://open.spotify.com/show/6iKdA4EY2crIuYymE9SZd9 Questions about your renewal, purchase or refinance? Email stephen@thefinancialcollective.ca or call 519-500-1789. Stephen Green, Mortgage Broker — The Financial Collective | Better Mortgage Choice, FSRA Lic. #13496. General information only, not financial advice.
