The Flow: Real Estate and Money Show

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.caAlex's Social Media: @themortgagepugFlow's Social Media: @flowmortgageco

The Flow: Real Estate and Money Show is a business podcast hosted by Unknown Host, with 186 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts The Flow: Real Estate and Money Show, a business show with 186 episodes published.

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  The Flow: Real Estate and Money Show

  Canadian Banks Won't Finance These 5 Properties in 2026

  Aug 18, 202614 min

  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/4hiodTOpjIgqNIy7fvmMWORK 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-estateIf 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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  The Flow: Real Estate and Money Show

  Reverse Mortgages are Making Canadians BROKE (r)

  Aug 11, 202615 min

  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/4hiodTOpjIgqNIy7fvmMWORK WITH US:Book a free strategy callhttps://getflowmortgage.ca/starthttps://podcasters.spotify.com/pod/show/the-flow-show-real-estateIf 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

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  The Flow: Real Estate and Money Show

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

  Jul 28, 202612 min

  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/4hiodTOpjIgqNIy7fvmMWORK 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-estateIf 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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  The Flow: Real Estate and Money Show

  The 30-Year Mortgage "Trap" Is a Lie (I Ran the Numbers)

  Jul 21, 202610 min

  Everyone online says a 30-year mortgage is a trap that costs you an extra $73,000. I sit with clients on this every single week, and on its own that number is close to useless. This is what the clickbait leaves out. On a $500,000 mortgage, going from a 25-year to a 30-year amortization does add about $73,000 in interest. That part is true. But in today's dollars it's closer to $48,000, more than half of it lands after year 20, and almost nobody keeps a mortgage the full 30 years anyway. A 30-year sets a minimum payment, not a 30-year sentence, and used the right way it's a wealth tool. In this one I break down the real math the trap posts skip, the two false assumptions it's built on, a real client who went back to 30 on purpose and freed up $950 a month, and who should actually take the 30 (and who definitely shouldn't). Follow me instagram.com/themortgagepug

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  The Flow: Real Estate and Money Show

  Will the Bank of Canada Raise Rates Next?

  Jul 16, 20269 min

  The Bank of Canada held rates again.In this video, I break down why the Bank of Canada’s July 15th rate hold may not bring the relief many Canadians were hoping for, especially if your mortgage is renewing in 2026.I covered:Why the Bank of Canada held rates againWhy inflation at 3.2% mattersWhy gas and oil prices are complicating the dataWhy fixed rates are not controlled directly by the Bank of CanadaHow US inflation and the Fed can affect Canadian mortgage ratesWhy 2026 renewals are still a major riskWhy waiting for lower rates may not save you moneyWhat homeowners should do before their renewal dateComment BOC and I’ll send you the Bank of Canada decision playbook.------🛠️ 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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