Vancouver Real Estate Podcast VREP #485 | What Every Borrower Needs to Know about Mortgage Rates this Fall with Kyle Green
Sep 12, 2025
Join mortgage expert Kyle Green, owner of Origin Mortgages, as he shares valuable insights on navigating the chaotic mortgage landscape this fall. With a surge in inquiries, he discusses strategies for borrowers facing a wave of renewals and the volatility of interest rates. Discover how recent economic shifts, like Trump tariffs, affect mortgage strategies, and learn whether September will bring much-anticipated rate relief. Kyle also breaks down the importance of timing and the nuances of fixed versus variable rates to help you make informed choices.
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Renewal Wave Driving Inquiry Spike
- Green's brokerage saw a 50% jump in mortgage inquiries in July–August compared to earlier months.
- Increased front-end activity usually leads to more completed transactions later.
Pendulum Between Variable And Fixed
- The variable vs fixed debate has swung multiple times since 2023 based on macro events.
- Tariffs pushed fixed rates up earlier, but recent weak jobs data moved expectations back toward cuts and lower rates.
Why Fixed Rates Don't Move With BoC Cuts
- Bank of Canada cuts change prime and immediately affect variable rates, but not fixed rates.
- Fixed rates follow the bond market, which prices in expected policy moves well before official announcements.