The tariff drama continues, we go over which Canadian cities could be impacted & why.

• Ontario Manufacturing Cities Most Vulnerable: Five Ontario cities are among the top 10 most exposed to tariffs, with Windsor being particularly vulnerable due to its automotive sector. The auto manufacturing corridor employs over 25,500 workers across various facilities.
• Varying Housing Market Risks: Cities with higher housing prices like Oakville ($1.3M)and Brampton ($999K)could see larger impacts, while steel and aluminum cities like Saguenay ($315K)and Baie-Comeau ($225K)have lower price exposure.
• Sudbury Most Resilient: Despite $460M in U.S. exports at stake, Sudbury is identified as Canada's most resilient city due to its diversified mineral export market.

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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

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See Rob At the Globe & Mail

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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

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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.

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The complexities of renting versus buying in Canada's current housing market, offering insights from both perspectives as a homeowner and strategic renter. We break down the financial implications, personal considerations, and market conditions that influence this important decision

• The true cost of homeownership extends far beyond the mortgage payment, including maintenance, taxes, and opportunity costs

• Higher homeownership rates don't necessarily indicate greater wealth - Switzerland's example shows renting can be part of a successful wealth-building strategy

• The decision between renting and buying should align with personal goals, financial situation, and long-term plans rather than societal pressure

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The U.S. is possibly implementing a 25% tariff on Canadian goods, with Canada announcing retaliatory measures including a $155B tariff package. This could lead to decreased exports, a weaker Canadian dollar, and higher import costs.

• Different regions face varying risks - Ontario's automotive sector, Alberta's energy industry, Quebec's aerospace sector, and BC's forestry industry are particularly vulnerable to tariff impacts.
• While the broader economy faces challenges, construction costs in Canada could decrease as materials originally meant for U.S. export get redirected to local markets at discounted prices, though this may be partially offset by Canadian retaliatory tariffs on U.S. building materials.

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We sit down with BMO's Senior Economist and Director of Economics, Rob Kavcic, to ask some tough questions:

• How does Canada's current housing market compare to previous corrections, and what's your outlook?
• How will the recent 25bps Bank of Canada rate cut impact real estate and the broader economy?
• Are rents decreasing currently? What's driving this?
• Given the price and rate changes, are we approaching the optimal buying opportunity?

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The "missing middle" housing represents a crucial opportunity in Canadian real estate, focusing on medium-density housing like duplexes, triplexes, and courtyard buildings that fill the gap between single-family homes and high-rise condos⁠⁠. The best opportunities lie in residential properties on major arterial roads in cities, where investors face less competition from first-time homebuyers⁠. This development approach requires a comprehensive team, including legal, financial, and construction professionals, along with significant experience and capital⁠

• Cities across Canada are changing zoning laws to accommodate missing middle housing, with Toronto specifically upzoning main roads to allow 6-10 units without site plan and up to 30 units with site plan⁠
• The target market includes young professionals, younger families, and multigenerational households seeking alternatives to expensive single-family homes and small condos⁠
• Success requires a strong project team, including expertise in multifamily underwriting, CMHC MLI select program understanding, and experience in construction and property management

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