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Listen "Ep. 27 - Fixed vs. Variable: Navigating Toronto’s Mortgage Market in 2025"
Episode Synopsis
Send us a textHost David Fleming is joined by mortgage expert Tony Della Sciucca for a candid discussion on Toronto’s mortgage market and its impact on buyers, investors, and the real estate landscape as a whole. With two decades of experience, Tony brings invaluable insights into navigating today’s interest rate environment, the changing policies at CMHC, and what buyers and investors should prepare for as we head into 2025.Whether you’re a first-time buyer, a seasoned investor, or just curious about the future of the housing market, this episode is packed with critical advice and insider knowledge to help you make informed decisions.In This Episode:The current state of interest rates and where they’re headed in 2025Fixed vs. variable mortgages: Which is right for you?How CMHC’s new $1.5M insured mortgage cap and 30-year amortization policy changes the gameStrategies for managing cash flow as an investorWhy Canada’s mortgage stress test could be overdue for reformTimestamps:00:00 - Introduction00:05 - Meet Tony Della Sciucca: Toronto mortgage expert01:00 - Why interest rates are driving today’s real estate decisions10:15 - Fixed vs. variable rates: The pros and cons20:30 - CMHC’s policy changes: What you need to know30:20 - How investors can navigate today’s market challenges45:50 - Why removing the stress test could boost affordability55:10 - Predictions for mortgage rates in 2025Don’t Miss:Tony’s advice for first-time buyers trying to balance risk and stabilityDavid’s perspective on why investors should prepare for a market reboundA lively debate on whether Toronto is becoming a renters-only citySubscribe to The Last Honest Realtor on YouTube or your favorite podcast platform for weekly insights into Toronto real estate. Like, comment, and share your thoughts—are you a fixed-rate fan or a variable-rate risk-taker? Let us know in the comments!Support the showSubscribe and Follow:Toronto Realty Group WebsiteToronto Realty Group YouTubeToronto Realty Blog InstagramToronto Realty Blog TwitterToronto Realty Blog Facebook
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