Welcome to Season 6, Episode 5 of The Green Effect Podcast!

Stephen is bringing the heat on some massive updates in the Canadian mortgage and real estate market.

In this episode, we dive into a brand new pilot program working directly with the Canada Revenue Agency to combat mortgage fraud. If you are a real estate investor or a landlord, this is a must-listen. We also break down the latest inflation numbers, why your grocery bills are still high, how Stephen slashed his cell phone bill, and the reality of falling rents across most of Canada.

What We Cover in This Episode:

• The New Anti-Fraud Tech: A look into a new CRA software pilot attempting to stop fraudulent income documents.

• Retail & Inflation: Q4 retail sales, consumer confidence, and breaking down Canadian headline inflation versus sticky grocery prices.

• Cost-Cutting Realities: Where Canadians are cutting back in 2026.

• The Rental Market Shift: Why rents are dropping across most of Canada and what real estate investors need to do to protect their cash flow.

• Mortgage Rate Update: The current state of fixed mortgage rates and alternative lending options.

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In this episode of The Green Effect, Stephen Green breaks down the current realities of the Canadian mortgage landscape. We dive deep into the often misunderstood world of private mortgages—exploring the high risks and potential rewards involved.

We also unpack the latest market statistics for nearby Ontario regions revealing why understanding your local trend line is critical whether you are buying or selling. Plus, we discuss a major hurdle facing the economy: youth unemployment and its long-term impact on the housing market.

Finally, we tackle the topic of generational wealth, offering strategies for parents looking to support their children in purchasing their first home.

In this episode, we cover:

• The Private Mortgage Trap: Why you need to mitigate your risk.

• The Stress Test: How it currently impacts your borrowing power.

• Market Watch: Detailed real estate stats for Waterloo and London / St. Thomas.

• Generational Wealth: Practical advice on how to help the next generation enter the property market.

• Job Market Impact: How unemployment rates are shaping housing trends.

#CanadaRealEstate #CanadianMortgages #HousingMarketCanada #MortgageRates #PrivateMortgages

In this episode of The Green Effect, Stephen Green dives deep into the major financial shift coming in 2026: the massive wave of mortgage renewals. Stephen breaks down why blind loyalty to your bank could cost you thousands, and the importance of always doing your research and exploring your options.

We also analyze the latest Canadian market trends, including rising mortgage delinquencies in Ontario, the decline in single-family building permits, and what the drop in immigration means for rental demand. Whether you are a homeowner preparing for renewal or an investor trying to cash-flow in a fluctuating market, this episode provides the critical data you need to protect your assets.

Key Takeaways

• The 2026 Renewal Wave: A massive volume of mortgages are up for renewal soon; understanding your rate options is critical.

• The Creditor Insurance Trap: Why bank-provided mortgage insurance is often harder to claim than independent policies.

• Market Warning Signs: Mortgage delinquencies are rising, specifically in Ontario, signaling financial stress for many households.

• Inventory Shortage: Single-family building permits are down, which will likely squeeze inventory in the coming years.

• Rental Market Shift: While rental starts are up, demand is softening due to lower immigration targets.

#CanadianRealEstate #MortgageRenewal #RealEstateCanada #MortgageTips #HousingMarket