What should you really consider before locking in your mortgage rate?   In this episode, I sit down with Mathieu-Alexandre Poupart from Orbis Mortgage Group to unpack the real estate and mortgage landscape in a time of high uncertainty. We talk about bond yields, Bank of Canada rate decisions, and how U.S. economic policy impacts Canadian housing. Matt shares how timing, prepayment penalties, and choosing between fixed or variable rates can make or break your investment strategy.   We also talk about what lenders really look at when you apply for a mortgage, how income and debt affect your options, and why Montreal is still doing okay compared to other markets. Whether you're buying your first property or renewing, this conversation gives you the knowledge to make smart and grounded choices.   What you will learn if you listen to the episode:   - How bond yields affect mortgage rates in Canada\ - Choosing between fixed and variable mortgage rates - Understanding prepayment penalties on mortgages - Why Montreal's housing market is more stable - What lenders check when approving a mortgage - How U.S. interest rates impact Canadian real estate - Smart tips for renewing your mortgage in 2025   SUPPORT US ON PATREON!    patreon.com/realestateeffect and become a part of our real estate family! You'll get access to exclusive content, monthly virtual meetings [Ask me anything!], special events, and more!   And please subscribe to the show, share it with a friend and send us feedback. Visit www.realestateeffect.ca and follow me on IG @monsaxel   Connect with Axel Monsaingeon:   Linkedin - https://www.linkedin.com/in/axel-monsaingeon-42577b28/ Website - https://www.realestateeffect.ca/ Facebook - https://www.facebook.com/realestateeffect/ Instagram - https://www.instagram.com/veryrealestateeffect/ Youtube - https://www.youtube.com/channel/UCc8EYrmO1aVvVIgwT7AfNFw   Connect with Mathieu-Alexandre Poupart:   Instagram: https://www.instagram.com/mathieualexandrepoupart/ Link Tree: linktr.ee/mpoupart    Do you have any questions about your real estate journey?   Whether you're curious about navigating the complexities of development projects, dealing with financial challenges, or anything in between, I'm here to delve into the topics that matter most to you.    I invite you to submit your questions by visiting our website at https://www.realestateeffect.ca/ and clicking on the 'Send Voicemail' widget on the right side.   Your inquiries will help shape our upcoming episodes, ensuring we cover the real estate issues you're most interested in. 

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