The Ottawa Real Estate Podcast

In this week’s episode, we look back at 2025 and put our real estate predictions to the test. We break down what actually happened in the Ottawa housing market, review the latest stats, and talk through inflation, mortgage rates, and shifting buyer and seller behaviour across Canada. We discuss why active listings surged, why single family homes kept prices moving, and why condos told a different story. We also talk about variable versus fixed rate mortgages, how inflation is shaping lending decisions, and why Ottawa continues to stay resilient compared to other Canadian markets.00:00 Introduction and Year-End Reflections02:43 Market Predictions Review05:41 Current Market Stats and Trends08:54 Inflation and Economic Indicators11:40 Variable vs Fixed Rate Mortgages14:51 Listener Engagement and Comments17:32 Future Predictions and Market Insights27:45 Holiday Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: [email protected]: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: [email protected]: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: [email protected] 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.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

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 Market02:36 Market Trends and Predictions for 202605:43 Impact of Employment Data on Mortgage Rates08:38 Variable vs Fixed Mortgage Rates11:31 Bank Consolidations and Their Effects16:29 Royal LePage Predictions for Home Prices20:42 Mortgage Arrears and Financial Stress28:23 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: [email protected]: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: [email protected]: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: [email protected] 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.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week’s episode of the Ottawa Real Estate Podcast, we look at why Canada’s GDP shocked the market and how interest rates, the bond market, and global influences are shaping real estate across the country. We talk about stalled business investment, soft consumer spending, and why the economy feels like it is running on fumes. We also break down the rise of bank consolidations, the changing mindset around homeownership, and why more young Canadians are turning to the booming stock market instead of real estate. 00:00 Intro and Personal Updates02:49 Economic Overview: GDP and Market Trends05:50 Interest Rates and Bond Market Dynamics08:53 Impact of Global Events on Canadian Economy12:09 Bank Consolidation and Its Effects14:42 Shifts in Consumer Behavior and Real Estate Perspectives18:05 The Future of Homeownership vs. Renting20:47 Bank Earnings and Market Adjustments23:50 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: [email protected]: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: [email protected]: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: [email protected] 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.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week’s episode we explore how the newly approved federal budget affects mortgage rate policy and why political stability plays such a crucial role in rate movements. We also look at the changes introduced by Bill 60 and how its updated landlord tenant rules may accelerate eviction timelines and influence rental supply. We also review the latest data on mortgage arrears and discuss what rising delinquency signals about household stress across the country. We compare fixed and variable mortgage rates and talk through what borrowers should consider as rate trends evolve. This episode brings together the key market forces Canadians need to understand as the housing landscape continues to change.00:00 Intro01:04 The Federal Budget Was Approved02:45 Political Stability and Its Impact on Mortgage Rates04:38 Understanding Bill 60 and Its Implications for Landlords11:49 The Balance Between Landlord and Tenant Rights18:05 Current Trends in Mortgage Arrears and Market Dynamics27:23 Listener Questions: Should We Lock In a Rate Now or Wait?29:29 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: [email protected]: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: [email protected]: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: [email protected] 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.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

In this week's episode we break down the latest national and Ottawa market data, revealing how month-over-month gains, shifting buyer behavior, and economic pressure points are shaping the fall market. From interest rate uncertainty to government budget impacts, this conversation explores the signals behind the volatility and what they may mean for buyers and homeowners. 01:38 Real Estate Market Overview01:57 Budget Implications on Real Estate03:23 Current Home Sales Trends05:17 Market Volatility and Buyer Behavior07:40 Investor Insights and Market Predictions11:42 Economic Indicators and Their Impact13:24 Lending Practices and Buyer Conditions22:33 Government Budgets and Cost of Living28:04 Mood BoostsGet in touch with us!Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LPEmail: [email protected]: 1-613-263-4543https://www.paulstevenson.caDavid Warren - Mortgage Agent Level 2 Referral MortgagesEmail: [email protected]: 1-613-686-6003 https://www.referralmortgages.comDon’t miss your chance to win a glowing 20” x 10” neon sign, sign up today!https://forms.gle/GBbq9ZrhK2k8Avgv5If you have a question or topic you'd like to hear us discuss send us an email at: [email protected] 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.https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).