The Canadian Economy and Estates Podcast

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144

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Nov 2026

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About the show

The Canadian Real Estate Homefront Podcast gives you the most up to date news and information on the Canadian Real Estate market. Both Brooke and Cortez are passionate about selling real estate and love the macro economics of the market and how that effects prices, supply, and so much more!

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November 6, 202630 min

Mortgage Rates vs The Election: What You Need To Know 🏡

🏡 SHOULD YOU BUY A HOME IN CANADA RIGHT NOW? 🇨🇦 Mortgage rates, housing affordability, rising bond yields, and economic uncertainty are creating some big questions for Canadian homebuyers. In this episode, Cortez Ranieri is joined by Max Lindsay, Mortgage Broker at Mortgage Financial Corporation, to discuss what's happening in Canada's housing market and what buyers, homeowners, and investors should be thinking about heading into 2027. 🏦 Should you choose a fixed or variable mortgage? 📉 Will interest rates and housing prices continue to change? 🏠 Is buying a home actually better than renting? 🚨 Are private lending and power-of-sale situations becoming a concern? 💰 Are longer mortgage amortizations helping buyers or creating more debt? 👨‍👩‍👧 What should parents know before gifting down payments or co-signing mortgages? We also break down Toronto's latest housing market statistics discussed in the episode, the potential impact of U.S. trade uncertainty on Canada, and why finding the right property at the right price may be more important than trying to time the market. Max shares insights from his experience in commercial banking and mortgage brokering, including the importance of understanding your financial limits before making one of the biggest purchases of your life. Whether you're a first-time buyer, renewing your mortgage, investing in property, or simply following Canada's economy, this conversation offers valuable perspectives on the decisions Canadians are facing. 🎙️ EPISODE HIGHLIGHTS: ⏱️ 02:34 — U.S. Election Results & Canada's Economy ⏱️ 06:23 — Fixed vs. Variable Mortgages ⏱️ 09:06 — Smart Homebuying Strategies ⏱️ 10:45 — Renting vs. Buying ⏱️ 13:17 — Private Lending & Power of Sale ⏱️ 15:55 — Toronto Housing Market Statistics ⏱️ 18:06 — Longer Mortgage Amortizations ⏱️ 20:21 — Mortgage Debt & Affordability ⏱️ 24:15 — Parents Co-Signing Mortgages ⏱️ 27:23 — Canada's 2027 Housing Outlook 🏦 CONNECT WITH OUR GUEST: MAX LINDSAY Mortgage Broker | Mortgage Financial Corporation Brokerage #10421 🏡 Residential | Commercial | Construction 📱 Cell: (905) 541-1041 ☎️ Office: (905) 529-2521 📧 Email: Max@mfco.ca 🌐 Website: https://www.mfco.ca 📅 Book a Mortgage Consultation: https://calendly.com/mortgagemax _ 🏦 Apply for a Mortgage: https://velocity-client.newton.ca/en/client/journey/home?shortCode=1lowdk66drl87 🏡 CONNECT WITH CORTEZ RANIERI Thinking about buying, selling, or investing in Toronto or the GTA? Let's talk! 📅 Book a FREE Real Estate Consultation: https://calendly.com/cortezranierirealestate/seller-consult 📱 Call or Text: 289-795-5773 📧 Email: cortezranieri@gmail.com 💻 Website: https://cortezranieri.ca 🎧 ENJOYED THE EPISODE? ⭐ Follow the podcast on Spotify! 📲 Share this episode with someone thinking about buying a home. 🔔 Stay tuned for more conversations about Canadian real estate, mortgage rates, investing, and the economy! ⚠️ Disclaimer: This episode is for informational purposes only and does not constitute personalized financial, mortgage, investment, or legal advice. #CanadianRealEstate #MortgageRates #TorontoRealEstate #CanadianHousingMarket #MortgagesMax #CortezRanieri

October 30, 202619 min

Why Canadian Real Estate Is Facing Its Biggest Test Yet 🏡

Canadian Elections, Pipelines & Toronto’s Tough Housing Market 🏡🇨🇦 Political change, interest rates and a challenging housing market—there’s plenty to unpack in this week’s episode. Cortez Ranieri discusses Canada’s latest election results, the potential implications for energy infrastructure, and the financial pressures facing property owners and private lenders. He also shares observations from working in the Greater Toronto Area real estate market, where limited showing activity and difficult selling decisions remain part of the conversation. 🎙️ IN THIS EPISODE 🗳️ Election results and housing priorities A look at Toronto’s mayoral race, municipal results across the GTA and Hamilton, and the BC election. We discuss how the political landscape could influence conversations around development, housing and the economy. 🛢️ Pipelines and Western Canadian energy What could the BC results mean for pipeline discussions and Canada’s ability to bring energy to international markets? 🏦 Pressure on private mortgage lenders We explore delinquencies, tax arrears and situations where lenders are accepting less than their original investment to recover capital. 🏙️ A difficult market for GTA condos Weak new condo sales and resale losses raise difficult questions for owners. Cortez discusses the considerations behind selling, holding or renting a property in the current environment. 🏗️ Housing construction and population growth Why housing completions and population growth need to be considered together when discussing affordability and long-term demand. 📊 The Bank of Canada and buyer confidence A reaction to the rate announcement, the inflation picture and what borrowing costs could mean for households already navigating a tight market. 🔑 A firsthand GTA market update Showing volume, listings moving to the rental market and the decisions buyers and sellers are weighing as they look ahead. ⏱️ EPISODE TIMESTAMPS 0:00 — Introduction and this week’s headlines 0:25 — Toronto mayoral election 2:20 — Mississauga, Hamilton and Brampton results 2:55 — BC election results 4:41 — Pipelines and energy exports 6:15 — Private lending, delinquencies and capital losses 9:10 — GTA new condo sales 11:13 — Resale losses and the condo market 13:02 — Housing supply, population growth and immigration 15:52 — Bank of Canada announcement and inflation 17:18 — GTA market observations and the year ahead 🏡 WORK WITH CORTEZ Buying, selling or reviewing your real estate options in the GTA? Connect with Cortez for a conversation about your goals, the current market and his tiered commission options. 📅 Free seller consultation: https://calendly.com/cortezranierirealestate/seller-consult 📱 Call or text: 289-795-5773 📧 Email: cortezranieri@gmail.com 💻 Website: https://cortezranieri.ca 🎧 Enjoyed the episode? Follow the podcast, leave a rating or review, and share it with someone following the Canadian housing market. 💬 Where do you think the market is heading? Join the conversation and let us know.

October 16, 202628 min

Is the GTA Market Trading Sideways? (What You Need to Know)

Canadian Real Estate: Buyer Hesitation, Mortgage Rates & What Comes Next 🏡📉 Dozens of showings. No offer. Buyers are looking—but what will get them to commit? 🤔 Cortez Ranieri and Brooke Hicks break down a challenging Canadian real estate market, where sellers are holding firm and buyers are waiting for value. They discuss Toronto housing trends, employment weakness, mortgage rate pressure, and the political backdrop affecting confidence. They also get practical about running a real estate business: using Homies AI to reduce admin work, managing a growing listing portfolio, introducing commission tiers, and helping sellers tackle everything from decluttering to staging. Plus, why a home’s smell, cleanliness, and presentation can matter more than sellers realize—and why Cortez expects the GTA market to trade sideways. 🎙️ EPISODE HIGHLIGHTS 👀 What 79 showings without an offer reveal about buyer expectations 🤖 How AI is changing everyday realtor tasks 💼 Different commission packages for different seller needs 🧹 The presentation mistakes buyers notice immediately 📊 How jobs, bond yields, and mortgage rates affect confidence 🇨🇦 Politics, traffic, infrastructure, and the outlook for Toronto ⏱️ TIMESTAMPS 0:00 Homies AI and reducing realtor admin 2:13 Managing 22 listings 4:12 Pricing expectations and buyer hesitation 5:49 Commission tiers and seller services 7:24 Preparing a home for sale 11:13 Toronto housing market update 15:08 Presentation and first impressions 17:12 Canadian employment trends 19:19 Mortgage rates and bond yields 22:15 Canadian politics 25:03 Toronto’s mayoral discussion 27:19 The GTA market outlook 🎧 Follow the Canadian Economy and Estates Podcast for more conversations about Canadian housing, business, and the economy. 📅 BOOK A CALL WITH US—IT’S ABSOLUTELY FREE! 🏡👇🏼 https://calendly.com/cortezranierirealestate/seller-consult 🤝 OTHER CONTACT INFORMATION 📱 Call or text: 289-795-5773 📧 Email: cortezranieri@gmail.com 💻 Cortez’s website: https://cortezranieri.ca 💻 Brooke’s website: https://www.brookehicks.ca This episode includes a discussion of our Homies AI partnership. Market figures and political commentary reflect the information discussed at the time of recording. #canadianrealestate #canadianeconomy #realestateagents

September 26, 202623 min

Canadian Real Estate: Why Sales Are At A 20-Year Low

🏠 Is Canada short on homes, or short on the right homes? Cortez Ranieri and Brooke Hicks open this week’s episode with a contradiction they’re seeing in the market: Brooke has buyers ready to look, but very few quality listings to show them. Meanwhile, national home sales remain unusually slow. They call it a divided market. A clean, staged home in a strong location with the right asking price can still attract attention and sell quickly. A home that needs work, is poorly presented or is priced above what buyers will pay may sit. Condos face their own challenges, even when the broader market looks balanced on paper. Cortez shares updates from several recent transactions, including an Oakville condo sale and a purchase at Fifty Old Mill. He also walks through a power-of-sale fourplex in St. Catharines where parking arrangements involving an adjacent medical building have raised questions. Brooke adds her experience with power-of-sale properties and the maintenance and management problems that can emerge during due diligence. The conversation then turns to the national picture. Cortez and Brooke discuss year-to-date home sales through August reaching their slowest pace since 2003, along with August sales, new listings and Canada’s months of inventory. They consider what those numbers say about the market overall and why the experience can look completely different from one city or property type to the next. 📈 Could interest rates rise again? With bond yields climbing, Cortez and Brooke discuss the renewed possibility of a Bank of Canada rate hike. They look at what higher borrowing costs could mean for confidence, variable-rate borrowers and people approaching mortgage renewal. They also compare Canada’s mortgage system with the U.S., where long-term fixed mortgages can change homeowners’ decisions about selling and moving. 📍 Regional markets tell different stories. They discuss why Regina remains near its peak in the figures covered, while Kitchener-Waterloo is far below its high. Cortez revisits the investor demand, universities, tech growth and pre-construction activity that contributed to Kitchener-Waterloo’s rise. Halifax, Montreal and Ottawa also enter the conversation as examples of markets holding up better than some Ontario cities. To close, they examine how immigration trends and softer rental demand may flow through to housing demand. They also ask whether Canada is building the kinds of homes prospective buyers need, as much new construction is focused on rentals. In this episode: • Why GTA buyers are struggling to find quality listings • What makes a home sell in a divided market • Lessons from recent condo and power-of-sale transactions • National sales, listings and inventory • Bank of Canada rate-hike risk and rising bond yields • Why prices vary so much between Canadian cities • Immigration, rental demand and housing starts ⏱️ Episode guide 00:00 Welcome back 01:11 GTA inventory shortage 02:34 The divided fall market 03:28 Recent condo transactions 04:39 The St. Catharines parking issue 06:09 Power-of-sale complications 07:42 Canada’s home sales hit a 23-year low 08:41 National inventory 10:27 Bank of Canada rate-hike risk 12:36 Canadian and U.S. mortgages 13:48 Portability and mortgage penalties 16:00 Cities near peak pricing 16:59 Kitchener-Waterloo’s decline 18:29 Immigration and housing demand 20:53 Foreign buyer rules 21:13 Housing starts 22:46 Fall market outlook 📲 Connect with Cortez: 289-795-5773 | cortezranieri@gmail.com | cortezranieri.ca Connect with Brooke: brookehicks.ca info@brookhicks.ca #CanadianRealEstate #CanadianEconomy #RealEstateAgents

September 19, 202620 min

The Impact of Mark Carney's Tax Plan on Canadian Real Estate Investors 🏘️

⚠️ We apologize—the video was unexpectedly cut off at the end. Thank you for listening and supporting the podcast! 🏡 CANADIAN REAL ESTATE, PRICE CUTS & MARK CARNEY’S NEW INVESTMENT TAX BREAKS 🇨🇦 Why are so many Canadian properties sitting on the market—and is price usually the real problem? In this episode of The Canadian Economy and Estates Podcast, Brooke Hicks and Cortez Ranieri discuss the widening gap between seller expectations and what buyers are actually willing to pay. Brooke shares why she is appreciating the slower real estate stretch following Labour Day and discusses her own renovation project, which has been sitting for approximately eight to ten months. The hosts also examine real estate data from Hamilton, Burlington, Peel Region and the GTA. They explain why broad housing headlines can be misleading when individual cities, neighbourhoods and property types are experiencing completely different conditions. 📊 Brooke’s Hamilton-Burlington market report includes: • An average price of approximately $815,000 • Prices down 4.2% year over year • 651 sales, representing an 11% decline • New listings down approximately 15% Brooke and Cortez explore why falling sales and falling listings could point to inventory stress—not necessarily the complete disappearance of buyer demand. They also discuss: 📉 Why sellers continue anchoring their expectations to previous market highs 💰 Why buyers are relying on current comparable sales 📸 Why better pictures, staging and descriptions cannot fix an unrealistic price 🤝 Why agents should never become offended by an offer 🔥 How the right price reduction can revive interest and generate competition 🏠 Why “appreciation is not a business plan” 📈 Why buyers should consider long-term usefulness, principal repayment and family needs 🏗️ How the GST/HST rebate may already be influencing builder decisions 🇨🇦 Mark Carney’s productivity mega deduction and the proposed reduction of Canada’s marginal effective tax rate on new business investment from approximately 13% to 6.4% 💼 Whether lower investment taxes could improve Canadian business confidence, investment and job creation 👴 The debate over aging baby boomers and the possibility of more housing supply entering the market 📞 BOOK A FREE REAL ESTATE CONSULTATION: 🏡 https://calendly.com/cortezranierirealestate/seller-consult 🤝 CONNECT WITH THE HOSTS: Cortez Ranieri 📱 Call or text: 289-795-5773 📧 cortezranieri@gmail.com 💻 https://cortezranieri.ca 📸 Instagram: @cortezranieri Brooke Hicks 💻 https://www.brookehicks.ca 📧 info@brookehicks.com 🎧 Follow The Canadian Economy and Estates Podcast for more conversations about Canadian real estate, housing affordability, mortgage rates, investing and the economy. Disclaimer: This podcast is provided for general information and entertainment purposes only. It should not be considered financial, legal, tax or investment advice. #CanadianRealEstate #CanadaHousingMarket #OntarioRealEstate #GTARealEstate #HamiltonRealEstate #BurlingtonRealEstate #MarkCarney #CanadianEconomy #RealEstateInvesting

September 12, 202613 min

Why New Listings Are Falling Faster Than Sales in the GTA📊

🏙️ GTA Real Estate Update: Supply Tightens, Condo Affordability Resets & Trade Risks Grow The GTA real estate market is flashing conflicting signals: sales are down only slightly, listings are falling sharply, and prices remain under pressure. 📊 In this episode, Cortez Ranieri examines the latest Toronto market data and explains why tightening inventory could shift conditions toward sellers sooner than expected. 🏠 He also discusses rising mortgage delinquencies, investor stress in Ontario, uneven employment growth across Canada, and the potential impact of Canada–U.S. trade tensions on jobs, consumer confidence, and housing. 🇨🇦🇺🇸 The episode also explores the reset in condo affordability, with pricing in many markets returning to roughly 2019 levels. 🏢 As fall inventory arrives after Labour Day, the question is whether serious buyers will return—or whether economic uncertainty will keep prices broadly flat through year-end. 🍂 🔑 IN THIS EPISODE 🏠 Why GTA housing supply is tightening 📉 Falling prices despite fewer listings 💳 Mortgage delinquencies and investor pressure 💼 Provincial differences in employment growth 🌎 Canada’s trade relationships with the U.S. and EU 🏢 Toronto condo affordability and owner equity 🍂 What to expect from the fall market 🏡 BOOK A FREE CALL WITH US Thinking about buying or selling real estate? Book a call with us—it’s absolutely free! 👇🏼 https://calendly.com/cortezranierirealestate/seller-consult 🤝 CONTACT US 📱 Call or text: 289-795-5773 📧 Email: cortezranieri@gmail.com 💻 Cortez Ranieri Real Estate: https://cortezranieri.ca 💻 Brooke Hicks Real Estate: https://www.brookehicks.ca 🎧 Follow the podcast for more Canadian real estate and economic updates. ⚠️ This content is for informational purposes only and should not be considered financial, legal, or real estate advice. #canadianrealestate #canadianeconomy #realestateagents

September 5, 202625 min

Market Crash or Recovery? What the New BoC Hold Means for You 🏡

🏦 BANK OF CANADA HOLDS, BOND YIELDS RISE & WHAT IT MEANS FOR REAL ESTATE The Bank of Canada has held its policy interest rate at 2.25% for the ninth consecutive meeting—but rising Canadian bond yields could still put upward pressure on fixed mortgage rates. In this episode of The Canadian Economy and Estates Podcast, Cortez Ranieri and Brooke Hicks unpack what the latest rate decision could mean for Canadian homeowners, buyers, sellers, and real estate investors. They discuss the tradeoff between fixed and variable mortgages, including Cortez’s current 3.69% variable mortgage rate with TD compared with fixed rates closer to 4%. The conversation also explores headline versus core inflation, consumer confidence, affordability, GDP per capita, and the growing productivity gap between Canada and the United States. Cortez and Brooke then connect these broader economic trends to the housing market, explaining why certain GTA communities are seeing stronger activity while others remain sluggish—and what listings, open houses, and buyer behaviour may be signaling. 🎙️ TOPICS INCLUDE: • The Bank of Canada’s latest interest-rate hold • Rising Canadian bond yields • The outlook for fixed mortgage rates • Fixed vs. variable mortgages • Headline inflation vs. core inflation • Consumer confidence and affordability • Canadian GDP per capita and productivity • The productivity gap between Canada and the United States • Canada’s reliance on resources and energy • GTA listings, open-house activity, and buyer demand • Real estate strategy in an uneven housing market 📅 BOOK A FREE REAL ESTATE CONSULTATION Thinking about buying, selling, or investing in the Greater Toronto Area? Book a free call with us: 🏡 https://calendly.com/cortezranierirealestate/seller-consult 🌐 CONNECT WITH THE HOSTS 🎙️ BROOKE HICKS 🌐 Website: https://www.brookehicks.ca 📧 Email: info@brookehicks.com 🎙️ CORTEZ RANIERI Sales Representative RE/MAX Aboutowne Realty Corp., Brokerage 📱 Call or text: 289-795-5773 📧 Email: cortezranieri@gmail.com 🌐 Website: https://cortezranieri.ca 📸 Instagram: @cortezranieri ❤️ Referrals are the heart of our business. Thank you for thinking of us whenever friends or family need trusted real estate professionals. 🔔 FOLLOW THE SHOW Follow The Canadian Economy and Estates Podcast for more discussions about Canadian real estate, Bank of Canada interest rates, mortgage rates, inflation, housing affordability, the GTA housing market, and the Canadian economy. ⭐ Follow the podcast and share this episode with someone navigating today’s mortgage or real estate market. ⚠️ DISCLAIMER This podcast is provided for informational and educational purposes only and does not constitute financial, mortgage, investment, legal, or tax advice. Speak with qualified professionals before making financial or real estate decisions.

August 15, 202614 min

Mortgage Delinquencies on the Rise: A Silent Crisis in Canadian Real Estate? 🇨🇦

🇨🇦 What do the latest Canadian economic numbers mean for housing, jobs and mortgage stress? Cortez Ranieri goes solo to break down the newest market data through a real estate lens, with a particular focus on Ontario and the Greater Toronto Area. 🏡 Topics covered in this episode include: • Ontario’s HST relief for new-home buyers • New construction compared with resale homes • Signs that Canadian population growth has peaked • The potential effect on home prices and rents • Canada’s strength in critical natural resources • July’s Canadian jobs report • The rapid rise in reverse mortgages • Increasing mortgage delinquencies and forced sales • Mark Carney’s Build Canada Homes announcement • Current housing and condo conditions across the GTA Cortez explains why tax relief may help some pre-construction buyers without fixing Ontario’s broader affordability problem. He also explores whether slowing population growth, weaker investor activity and rising financial stress could continue putting downward pressure on housing. 📊 His current GTA market read: slow summer conditions, weak condo demand and the strongest resale activity below $1 million in desirable neighbourhoods. ⏱️ CHAPTERS 00:00 – Introduction and market-update preview 00:33 – Ontario HST relief and new-home sales 01:02 – Ontario’s affordability problem 02:06 – Telco data and population growth 03:03 – Has Canadian population growth peaked? 04:48 – Canada’s reverse-mortgage boom 06:16 – Canada’s natural-resource advantage 07:16 – July’s Canadian jobs report 📞 Book a free consultation: https://calendly.com/cortezranierirealestate/seller-consult 📱 Call or text: 289-795-5773 📧 cortezranieri@gmail.com 💻 https://cortezranieri.ca

August 1, 202624 min

Canadian Economy in Crisis? Here's What the Data Actually Shows

🏠 Is Canada’s real estate market beginning to shift in favour of buyers? In this episode, Cortez Ranieri and Brooke examine the Summer 2023 real estate market across the Greater Toronto Area and explain how changing economic conditions and government policies are affecting buyers, sellers, and investors. They discuss rising housing inventory, declining condo prices, slower new-home sales, and creative transactions such as property swaps and conditional sales. They also explore CMHC financing for multi-unit buildings, Canada’s GDP growth, immigration policy, rental demand, HST rebates, and declining activity within the real estate industry. 🇨🇦 🔑 Topics covered: • Shifting market conditions across the GTA • Creative property swaps and conditional transactions • CMHC financing strategies for multi-unit properties • Canadian GDP growth and the economic outlook • Immigration policy and its effect on housing and rental demand • Falling condo prices and pre-construction affordability • Declining realtor activity and new-home sales • HST rebates and their effect on property costs • Boutique developments versus mass-market condos • Opportunities and legal considerations for buyers and investors Whether you’re buying, selling, investing, or following the Canadian economy, this episode offers a practical look at the trends shaping the housing market. 📊 📅 BOOK A FREE CALL WITH US 🏡👇🏼 https://calendly.com/cortezranierirealestate/seller-consult 🤝 CONTACT INFORMATION 📱 Call or text: 289-795-5773 📧 Email: cortezranieri@gmail.com 💻 Cortez: https://cortezranieri.ca 💻 Brooke: https://www.brookehicks.ca ⭐ Follow the podcast and leave a rating if you enjoyed the episode. ⚠️ Disclaimer: This episode is for general information and discussion only. It does not constitute financial, investment, tax, or legal advice. Consult a qualified professional before making a real estate or investment decision.

July 19, 202632 min

Is Canada's Housing Market Headed For Trouble?

🏡 Canada's Housing Market, Interest Rates, Healthcare & the Economy 🇨🇦 This week, we take a deep dive into Canada's housing market and the broader economy, discussing what we're seeing on the ground and what it could mean for buyers, sellers, investors, and homeowners over the coming months. 📉 We break down why home sales are beginning to improve while prices continue to soften, why some markets are recovering faster than others, and why investor-heavy cities like Kitchener-Waterloo and Hamilton have experienced some of the largest price declines. We also discuss the impact of Ontario's recent wildfire smoke on market activity, the slowdown in condo construction, and the growing focus on purpose-built rental developments. 📊 Beyond real estate, we cover the Bank of Canada's latest interest rate decisions, mortgage renewals, inflation, government policy, Canada's growing debt, healthcare challenges, global economic uncertainty, and even finish the episode with our predictions for the upcoming World Cup. ⚽ Whether you're buying your first home, investing in real estate, renewing a mortgage, or simply interested in Canada's economy, this episode offers practical insights into what's happening today and what to watch going forward. 00:00 – 👋 Welcome & episode overview 00:12 – 🏠 Looking back at the advantages previous generations had in the job and housing markets 00:28 – 🤖 AI, ChatGPT, and how technology is changing everyday life 00:43 – 🔥 Wildfires and smoky conditions affecting Ontario's real estate market 01:19 – 🌞 Summer slowdown and current market activity 02:07 – 📈 Has the housing market stabilized? 02:42 – 🗺️ Regional housing trends and migration across Canada 03:22 – 📉 Why prices are falling even as sales increase 04:22 – 🏘️ Which Canadian housing markets may recover first 04:46 – 🚚 Population shifts from Ontario to other provinces 05:18 – 💰 Why investor-heavy markets like Hamilton and Kitchener have declined the most 06:18 – 🏡 Investor activity and housing affordability 07:15 – 📉 Understanding negative equity 07:55 – 💵 Mortgage down payment requirements explained 08:43 – 🏠 Selling in a declining housing market 09:15 – 🔑 Renting your property instead of selling 10:24 – 🏗️ Rental market trends and new construction 12:20 – 🏢 Purpose-built rentals and government incentives 13:34 – 🚧 Why condo construction is slowing 16:09 – 👨‍👩‍👧‍👦 Policies aimed at encouraging families and population growth 17:34 – 🌍 Global tensions and economic risks 18:10 – 💳 The year of mortgage renewals 19:01 – 🏅 Changing sports culture among younger generations 19:49 – ⚽ World Cup predictions 20:56 – 🏦 Bank of Canada rate decisions and what comes next 22:49 – 📊 Why predictability matters for the economy 23:16 – 🛢️ Oil prices and global energy markets 24:05 – 🌎 Canada's dependence on the global economy 27:01 – 💸 Government spending, debt, and healthcare 30:34 – 🏥 Personal experiences with Canada's healthcare system 31:33 – 🗳️ Political divisions and economic policy 32:04 – 👋 Closing thoughts and what's next for Canada's housing market 🏡 Book a FREE Real Estate Consultation 📅 https://calendly.com/cortezranierirealestate/seller-consult 📱 Call or Text: 289-795-5773 📧 Email: cortezranieri@gmail.com 🌐 Cortez Ranieri https://cortezranieri.ca 🌐 Brooke Hicks https://www.brookehicks.ca ❤️ Thanks for listening! If you enjoyed this episode, please follow the podcast , ⭐ leave a 5-star rating , and share it with someone who wants to stay informed about Canadian real estate, investing, and the economy. 🇨🇦🏡📈 ⏱️ Episode Breakdown🤝 Connect With Us