The Ottawa Real Estate Podcast

In this week’s episode, we look back at 2025 and put our real estate predictions to the test. We break down what actually happened in the Ottawa housing market, review the latest stats, and talk through inflation, mortgage rates, and shifting buyer and seller behaviour across Canada. We discuss why active listings surged, why single family homes kept prices moving, and why condos told a different story. We also talk about variable versus fixed rate mortgages, how inflation is shaping lending decisions, and why Ottawa continues to stay resilient compared to other Canadian markets.00:00 Introduction and Year-End Reflections02:43 Market Predictions Review05:41 Current Market Stats and Trends08:54 Inflation and Economic Indicators11:40 Variable vs Fixed Rate Mortgages14:51 Listener Engagement and Comments17:32 Future Predictions and Market Insights27:45 Holiday Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week’s episode we break down the real estate trends shaping buyer behaviour, the growing caution in the Canadian housing market, and why so many people are holding out for better deals. We talk about the impact of recent employment data on mortgage rates, the sudden appeal of variable rates over fixed, and why 2026 is shaping up to be a pivotal year with a surge in renewals and activity. We also discuss how bank consolidations may reshape lending across Canada and how Royal LePage’s price predictions align with what we are seeing on the ground. Rising mortgage arrears and tighter broker regulations point to a major shift in the quality and stability of the market. Watch the full conversation to hear our thoughts and see how these trends may shape the next two years.00:00 Introduction to the Current Real Estate Market02:36 Market Trends and Predictions for 202605:43 Impact of Employment Data on Mortgage Rates08:38 Variable vs Fixed Mortgage Rates11:31 Bank Consolidations and Their Effects16:29 Royal LePage Predictions for Home Prices20:42 Mortgage Arrears and Financial Stress28:23 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week’s episode of the Ottawa Real Estate Podcast, we look at why Canada’s GDP shocked the market and how interest rates, the bond market, and global influences are shaping real estate across the country. We talk about stalled business investment, soft consumer spending, and why the economy feels like it is running on fumes. We also break down the rise of bank consolidations, the changing mindset around homeownership, and why more young Canadians are turning to the booming stock market instead of real estate. 00:00 Intro and Personal Updates02:49 Economic Overview: GDP and Market Trends05:50 Interest Rates and Bond Market Dynamics08:53 Impact of Global Events on Canadian Economy12:09 Bank Consolidation and Its Effects14:42 Shifts in Consumer Behavior and Real Estate Perspectives18:05 The Future of Homeownership vs. Renting20:47 Bank Earnings and Market Adjustments23:50 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week’s episode we explore how the newly approved federal budget affects mortgage rate policy and why political stability plays such a crucial role in rate movements. We also look at the changes introduced by Bill 60 and how its updated landlord tenant rules may accelerate eviction timelines and influence rental supply. We also review the latest data on mortgage arrears and discuss what rising delinquency signals about household stress across the country. We compare fixed and variable mortgage rates and talk through what borrowers should consider as rate trends evolve. This episode brings together the key market forces Canadians need to understand as the housing landscape continues to change.00:00 Intro01:04 The Federal Budget Was Approved02:45 Political Stability and Its Impact on Mortgage Rates04:38 Understanding Bill 60 and Its Implications for Landlords11:49 The Balance Between Landlord and Tenant Rights18:05 Current Trends in Mortgage Arrears and Market Dynamics27:23 Listener Questions: Should We Lock In a Rate Now or Wait?29:29 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week's episode we break down the latest national and Ottawa market data, revealing how month-over-month gains, shifting buyer behavior, and economic pressure points are shaping the fall market. From interest rate uncertainty to government budget impacts, this conversation explores the signals behind the volatility and what they may mean for buyers and homeowners. 01:38 Real Estate Market Overview01:57 Budget Implications on Real Estate03:23 Current Home Sales Trends05:17 Market Volatility and Buyer Behavior07:40 Investor Insights and Market Predictions11:42 Economic Indicators and Their Impact13:24 Lending Practices and Buyer Conditions22:33 Government Budgets and Cost of Living28:04 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week’s episode, we unpack everything shaping the Canadian real estate market right now. We explore how lenders are competing, the growing pressure of mortgage renewals, how appraisals are changing deal outcomes, and why gifted down payments are under closer scrutiny. We also break down Ottawa’s latest housing stats and what shifting job trends could mean for homeowners and buyers. 00:00 Introduction and Remembrance Day Reflection02:06 Market Insights from the Centum Network Conference03:20 Renewals and Market Dynamics08:19 B Lenders not Renewing Client's Mortgages10:36 Appraisals and Their Impact on Transactions19:17 Gifted Down Payments and Financial Strategies22:52 Ottawa Market Statistics and Trends28:03 Job Market Insights and Economic Indicators31:41 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5(The winner will be chosen randomly and announced on October 29th)If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

This week we break down the 2025 Canadian budget and what it could mean for the housing market, mortgage industry, and everyday Canadians. We talk about the government’s focus on rental housing, the projected 78.3 billion dollar deficit, and how public sector job cuts could ripple through the real estate market. We also share our thoughts on transparency in government spending and what these changes might signal for the future of Ottawa’s housing landscape.00:00 Intro01:55 The Federal Budget11:15 Job Cuts and Impact on the Real Estate Market24:41 The Current State of the Rental Market28:04 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5(The winner will be chosen randomly and announced on October 29th)If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

This week, we unpack the Bank of Canada’s latest rate cut and what it signals for the future of Canadian real estate. We discuss how lower rates could impact variable mortgages, the growing influence of AI investments on jobs, and what the upcoming federal budget might mean for homeowners and renters. We also cover Ontario’s new housing measures and the ongoing need for efficiency in the landlord and tenant board. Watch the full episode to hear our take on how these shifts could reshape the market.00:00 Introduction and Banter01:51 Bank of Canada's Rate Cut06:03 US Tariffs and Their Impact on Canadian Economy09:22 Impact of AI on the Economy11:45 Job Cuts in the Banking Sector15:33 Could There Be New Elections Coming Up?19:25 Ontario's New Housing Measures24:01 Renters' Rights and Security of Tenure29:03 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5(The winner will be chosen randomly and announced on October 29th)If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

This week, we unpack how Canada’s real estate market is reacting to a tough economic climate. From the latest insights at the Mortgage Professionals Canada Conference to the growing strain of inflation and development fees, we break down why prices are expected to dip over the next year and a half. We also explore how buyers are regaining negotiation power, what could happen with the upcoming federal budget, and why the next two years might reshape how Canadians buy and sell homes.00:00 Introduction and Market Overview02:42 Insights from the Mortgage Professionals Canada Conference10:53 Current Economic Climate and Housing Market Analysis15:49 Negotiation Power Shifts in Real Estate19:42 Inflation Trends and Their Impact26:55 Federal Budget Anticipations and Housing Development34:02 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5(The winner will be chosen randomly and announced on October 29th)If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week’s episode of the Ottawa Real Estate Podcast, we break down the surprising resurgence in Canadian real estate activity and what’s driving it. We talk about mortgage renewals, why more buyers are including conditions to sell their homes, how job market strength is influencing rate expectations, and why fixed mortgage rates haven’t dropped even as bond yields fluctuate. Plus, a bit of Thanksgiving humour to lighten things up.00:00 Introduction and Market Overview01:59 Multiple Offers On Properties03:54 Renewals and Buyer Conditions07:48 Job Market Insights and Economic Indicators08:48 Bank of Canada Rate Predictions09:54 Market Volatility and Fixed Rates13:01 Regulatory Changes and Competition in Banking17:49 OSFI Clarifications and Industry Reactions21:12 Canada's Financial System27:10 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5(The winner will be chosen randomly and announced on October 29th)If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

This week in The Ottawa Real Estate Podcast, we break down the latest twists in the Canadian real estate landscape and what they could mean for buyers, sellers, and mortgage professionals. We unpack fresh September market stats, new OSFI rules on rental properties, and how recent political meetings could shape future tariffs and housing trends. We also take a closer look at the downtown Ottawa condo market and the Build Canada Homes budget to understand where opportunities may emerge. 00:00 Introduction and Market Overview02:33 New Tariffs on the Horizon?02:58 September Real Estate Stats and Trends04:57 Impact of Market Trends on Personal Business07:35 Analyzing Property Types and Market Demand10:40 The Downtown Market Dynamics15:15 Clarifying the Build Canada Homes Budget22:03 OSFI's New Rules on Rental Properties37:38 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5(The winner will be chosen randomly and announced on October 29th)If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

This week on the Ottawa Real Estate Podcast we discuss the government’s Build Canada Homes initiative and whether it will truly deliver more supply or fall short like past promises. We unpack how new tariffs on wood and lumber could drive up construction costs and impact affordability. We also talk about the growing role of intergenerational wealth as parents step in to help first-time buyers, and why so many are still hesitant to purchase in today’s market. If you want to understand the trends shaping Canadian real estate right now, this episode is for you.03:11 Government Housing Initiatives and Skepticism10:09 Impact of New Tariffs on Wood and Lumber14:24 Financial Support for First-Time Home Buyers24:29 Current Trends in First-Time Home BuyingGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5(The winner will be chosen randomly and announced on October 29th)If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week’s episode, we discuss the Bank of Canada’s quarter point rate cut and what it means for variable and fixed mortgages. We break down why celebrating lower rates can be misleading if the economy is struggling, and why understanding the risks of variable rates is critical. We also cover Ottawa’s Housing Action Plan, how deferring development charges could accelerate new projects, and the impact of the Candice Greener Homes loan program ending for many homeowners. 00:00 Intro00:54 New Sponsor: Easy Neon Signs02:48 Discussion on Variable vs Fixed Rate Mortgages06:07 How Lower Rates Impact Your Variable Rate Mortgage07:30 Why Are Bonds Going Up?09:07 Are We Looking At Stagflation?12:06 Understanding Variable vs Fixed Rates14:42 Rates Can Go Up Really Fast Also17:32 Ottawa's Housing Action Plan26:54 The End of the Greener Homes Loan Program29:04 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5(The winner will be chosen randomly and announced on October 29th)If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

This week we break down Canada’s massive $13 billion plan to build 4,000 factory built modular homes on federal land. We explore what this means for affordability, the impact on trades and jobs, and how it connects to Ottawa’s latest housing stats. We also discuss the Bank of Canada’s latest rate cut, fixed vs variable mortgages, and what the August market numbers tell us about where things are heading.01:37 Inflationary Data03:39 Are Your Rates Going Down?10:12 Real Estate Stats for August17:05 Build Canada Homes Program18:49 Will Factory Built Housing Impact the Labour Market?22:26 There's Still No Budget23:05 Are the New Houses Going to Help Affordability?29:51 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comIf you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group.

This week on the Ottawa Real Estate Podcast, we break down the latest shifts in the Canadian real estate market and what they could mean for homeowners and buyers across the country. We explore the current job market struggles, rising unemployment, and how these economic indicators could push the Bank of Canada toward a rate cut. We also look at the impact of inflation, declining housing starts, and the massive wave of mortgage renewals set to hit Canadians. With fixed mortgage rates expected to drop in the coming months, we discuss what this all means for affordability, household budgets, and future policy decisions. Along the way, we share a few laughs to keep things balanced.If you’re following Ottawa housing trends or keeping an eye on Canadian mortgage updates, you won’t want to miss this episode.00:00 Introduction and Weekend Recap02:13 Current Job Market and Economic Indicators04:04 Impact of the Economy in Upcoming Bank of Canada Rate Announcements06:12 Inflation and Interest Rate Predictions10:23 Fixed Rates and Mortgage Renewals14:00 Impact of Renewals on the Economy22:50 Housing Starts and Construction Challenges26:23 Policy Interventions and Market Corrections30:01 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comIf you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group.

In this week’s episode of the Ottawa Real Estate Podcast, we discuss the impact of US tariffs on construction costs, the rising demand for mortgage insurance, and the ongoing challenges of housing affordability. We also look at key economic indicators and what they reveal about the Canadian market this fall. Join us as we share strategies for navigating today’s market and talk about why timing may not be as important as long-term planning when it comes to buying a home.00:00 Welcome Back to Real Estate Insights03:09 Current Market Trends and Economic Indicators06:00 US Tariffs08:08 Tariffs and Housing Prices11:00 Impact of Tariffs on Housing and Construction Costs13:07 Is a Recession Coming?17:14 Dropping Home Prices19:11 Navigating the Real Estate Market: Timing and Strategy21:24 Is it Time to Start Buying Houses Again? 24:08 Canadian Government's Budget26:17 Surge in Mortgage Insurance Demand27:21 Mortgage Insurance Demand and Affordability Challenges30:07 30 Year vs 25 Year Amortization30:28 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comIf you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group.

In this week’s episode, we explore how the Ottawa Senators’ new land purchase could transform the city’s nightlife and tourism. We break down the latest Ottawa housing market statistics, share how job market changes are shaping real estate, and discuss a recent legal case that puts phantom offers in the spotlight. We also look ahead at possible Bank of Canada rate cuts and what these shifts could mean for the future of our market. Join us for local insights, market predictions, and a few laughs along the way.00:00 Introduction and Summer Break Announcement01:56 Senators Purchase and Development Plans05:29 Impact on Ottawa's Nightlife and Tourism09:31 July Housing Market Stats Overview12:21 Market Trends and Predictions14:59 Summer Market Slowdown17:49 Job Market Insights and Economic Impact18:39 US and Canadian Employment Trends23:42 Economic Indicators and Market Reactions26:58 S&P 50028:22 Real Estate Market Dynamics and Legal Cases30:42 You Have to Know This if You're Ever in a Multiple Offer Situation36:26 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comIf you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group.

In this week’s episode of the Ottawa Real Estate Podcast, we explore how federal public sector job cuts could impact Ottawa’s real estate market. We break down the latest summer trends and explain why some homes are still moving fast while others sit. We also look at where mortgage rates are headed, how AI is quietly transforming the job market, and how supply chain issues are squeezing smaller builders. Join us for practical insights, market signals, and a few laughs.00:00 Introduction and Summer Real Estate Trends01:55 Current Market Dynamics and Pricing Strategies04:46 Impact of Employment Trends on Real Estate06:15 Bank of Canada Rate Announcement This Week06:39 The Liberal Party is Cutting Public Service Jobs08:52 Interest Rates and Economic Indicators09:55 The Role of AI in Employment and Efficiency11:10 Jobs Being Cut14:13 Is AI Replacing Jobs in the Government?18:51 Are Rates Expected to Go Up?22:06 Fixed -vs- Variable Rate Mortgages28:12 Home Builders and Material Costs30:42 Mood Boost and Closing RemarksGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comIf you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group.

In this week’s episode of the Ottawa Real Estate Podcast, we unpack why the Canadian housing market feels stuck right now and what’s holding it back. We explore rising mortgage rates, stalled new home construction, and the growing impact of economic uncertainty and trade agreements. We also discuss why some regions are hitting price peaks while others are sliding, and what’s behind the shift in consumer behaviour. Whether you're in the industry or just trying to make sense of where the market is going, this episode helps you connect the dots.00:00 Introduction to the Current Real Estate Landscape02:57 Market Trends and Consumer Behavior04:29 Interest Rates and Economic Indicators06:30 Business Challenges and Consumer Confidence13:22 Future Outlook and Economic Uncertainty16:12 US Influence on Canadian Economy18:25 Challenges in New Construction20:28 Housing Supply Crisis in Ontario22:31 Impact of Housing Start Slowdown23:31 Regional Real Estate Trends25:57 Mortgage Payment Increases in the Last 10 Years28:36 The Shift to Remote Living and Its Effects30:08 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comIf you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group.

In this week’s episode of the Ottawa Real Estate Podcast, we unpack the surprising trends shaping the Canadian real estate market right now. Is the market really balanced, or are we just in a holding pattern? We discuss how strong job numbers (mostly part-time) and sticky inflation are keeping interest rate predictions murky.We also break down how consumer anxiety is showing up in spending habits, and why so many Canadians are still feeling the pinch despite more stability. Plus, we talk about the CRA's new digital tool to fight mortgage fraud and what it could mean for brokers and buyers alike.As always, we keep it real, informative, and a little bit entertaining. 00:00 Introduction to Market Trends and AI Tools01:49 Current Real Estate Market Overview02:44 Is it a Balanced Market?04:04 Are Divorces More Common Now?04:57 Impact of Job Data on Interest Rates08:18 Inflation and Consumer Spending Insights10:26 Fixed Rates Are Starting to Rise11:58 Rent is Going Down12:52 Financial Stress Among Canadians22:52 Mortgage Fraud and CRA's New Digital Tool27:32 Conclusion and Mood Boost SegmentGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: paul@paulstevenson.caPhone: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: david@referralmortgages.comPhone: 1-613-686-6003 https://www.referralmortgages.comIf you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group.