Are Canadian Mortgage Rates About to Drop Big Time?

Sep 10, 2025

31:53

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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 Recap

02:13 Current Job Market and Economic Indicators

04:04 Impact of the Economy in Upcoming Bank of Canada Rate Announcements

06:12 Inflation and Interest Rate Predictions

10:23 Fixed Rates and Mortgage Renewals

14:00 Impact of Renewals on the Economy

22:50 Housing Starts and Construction Challenges

26:23 Policy Interventions and Market Corrections

30:01 Mood Boosts

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Paul Stevenson - Mortgage Agent Level 2