As Millions of mortgages come up for renewal, we have been getting this question a lot. Fixed or Variable, whats the move for this year? We are joined by financial columnist and fellow Podcast Rob Carrick to discuss.

• Variable and fixed-rate mortgages are now at par after six BOC rate cuts, with the 5-year bond yield dropping significantly from 3.85% to 2.64%⁠
• The Bank of Canada is expected to implement two more quarter-point rate cuts by July 2025, bringing the policy rate to 2.50%, with Big 6 banks forecasting even more aggressive cuts to 2.00-2.25% by year-end⁠
• ⁠​Market volatility is at levels not seen since 2008, with potential U.S. trade tensions and recession concerns creating an unpredictable rate environment⁠⁠

Check out Rob's Website

See Rob At the Globe & Mail

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Exchange-Traded Funds (ETFs) | BMO Global Asset Management

Buy & sell real estate with Ai at Valery.ca

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We're joined by Jessica Moorhouse to discuss all things money, real estate, investing and success,

• Buying vs renting
• What a good relationship with money and success looks like
• Your "why" in business, investing & life & the concept of 'enough point', and how to find fulfillment beyond monetary success.
• The importance of homeownership; Buying vs renting
• A budget is essential for financial clarity and success.

Buy Jessica's Book

Visit Jessica's Website

GET M DDLE SCHOOL EVENT TICKETS

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

Buy & sell real estate with Ai at Valery.ca

Get a mortgage pre-approval with Owl Mortgage

See omnystudio.com/listener for privacy information.

This is a discussion about five crucial real estate investment terms for 2025. Know these, understand these and utilize them!

• Location remains fundamental but has evolved - investors must now consider factors like tech hubs, remote work accessibility, and infrastructure beyond just traditional metrics.
• DSCR (Debt Service Coverage Ratio) is crucial for evaluating investment property viability, with 1.25 being a good benchmark to ensure sufficient income to cover mortgage payments.
• Mortgage renewals will be significant in 2025, with 1.2 million Canadians facing renewal - preparation should start 4-6 months in advance to negotiate better terms.

GET M DDLE SCHOOL EVENT TICKETS

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

Buy & sell real estate with Ai at Valery.ca

Get a mortgage pre-approval with Owl Mortgage

See omnystudio.com/listener for privacy information.