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 Market
02:36 Market Trends and Predictions for 2026
05:43 Impact of Employment Data on Mortgage Rates
08:38 Variable vs Fixed Mortgage Rates
11:31 Bank Consolidations and Their Effects
16:29 Royal LePage Predictions for Home Prices
20:42 Mortgage Arrears and Financial Stress
28:23 Mood Boosts
Get in touch with us!
Paul Stevenson - Mortgage Agent Level 2
CENTUM Financial Services LP
Email: paul@paulstevenson.ca
Phone: 1-613-263-4543
https://www.paulstevenson.ca
David Warren - Mortgage Agent Level 2
Referral Mortgages
Email: david@referralmortgages.com
Phone: 1-613-686-6003
https://www.referralmortgages.com
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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.
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