{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"S6 E16: Fixed Rates Tick Up, 50% Tariffs &amp; My Canadian Housing Bottom Call","description":"Fixed mortgage rates moved up this week \u2014 not by much, but enough to notice. In this episode, Waterloo mortgage broker Stephen Green traces the line from a trade dispute, to the bond market, to your mortgage payment, and then looks forward at where this market actually goes from here.  IN THIS EPISODE: \u2022 Proposed 50% US tariffs on autos, dairy and alcohol \u2014 and whether CUSMA blocks them \u2022 The bond yield connection: why fixed rates followed, and by roughly how much \u2022 Bank of Canada's hold, June inflation, and what the next print could look like \u2022 Unemployment near 6.5% and why it's the number that matters most right now \u2022 CREA's lowered national forecast \u2014 with Ontario as the one bright spot \u2022 Waterloo Region: average price down 6.4%, sales down 2.9%, Cambridge sales up 15.2% \u2022 Single-family building permits near zero while rentals flood the supply pipeline \u2022 Stephen's mid-2027 bottom call and why he doesn't believe a crash is coming \u2022 First-time buyers: strong inventory, best affordability in years, and why your offer stands out \u2022 The strategy conversation to have before you buy with a home still to sell \u2022 Current fixed and variable rate landscape \u2022 Gifted down payments now appearing on more than half of first-time buyer files \u2022 Public service announcement: do not auto-sign your bank renewal letter  KEY TAKEAWAYS: 1. Fixed rates follow bond yields \u2014 trade news reaches your mortgage faster than most people realize. 2. Employment is the foundation. Watch the unemployment rate more closely than the rate announcements. 3. Gradual and bumpy beats a boom. Smaller peaks and valleys are a healthier market than 2021 was. 4. If you're renewing, a letter from your bank is a starting point \u2014 not an offer you have to accept.  Enjoying the show? Please subscribe and leave a 5-star review \u2014 it genuinely helps more Canadians find these breakdowns.  WATCH &amp;amp; LISTEN: YouTube:&amp;nbsp;https:\/\/www.youtube.com\/channel\/UCZwLHIk2V8EIkDeRVx4EjwA  Apple Podcasts:&amp;nbsp;https:\/\/podcasts.apple.com\/us\/podcast\/the-green-effect-podcast\/id1434969273  Spotify:&amp;nbsp;https:\/\/open.spotify.com\/show\/6iKdA4EY2crIuYymE9SZd9   Questions about your renewal, purchase or refinance? Email&amp;nbsp;stephen@thefinancialcollective.ca&amp;nbsp;or call 519-500-1789.  Stephen Green, Mortgage Broker \u2014 The Financial Collective | Better Mortgage Choice, FSRA Lic. #13496. General information only, not financial advice. ","author_name":"The Green Effect Podcast","author_url":"http:\/\/thegreeneffect.libsyn.com\/website","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/42233145\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/42233145"}