Lowest Mortgage Rates: September 19, 2025 (Changes from Sep 10) All Rates: wowa.ca/mortgage-rates 🇨🇦 3-yr fixed Insured: 3.64% Uninsurable: 3.84% 5-yr fixed Insured: 3.79% Uninsurable: 4.19% 5-yr variable Insured: 3.55% (-25 bps) Uninsurable: 3.90% (-25 bps) 5-yr bond yield

From boom to strain: Toronto area housing faces a wave of distressed sales via The Globe and Mail from my boy Hanif Bayat. Good stuff as always! theglobeandmail.com/investing/pers…

🍁 Home Prices August 2025: wowa.ca/reports/canada… 🏡 ON & BC: Prices falling 📉 🔥 QC, SK & NL leading 🔹Benchmark: $687K ⬇️-3.4% YoY | ⬇️-0.9% MoM 🔹Avg Price: $664K ⬆️+1.8% YoY | ⬇️-1.3% MoM 🔹Sales: 40.7K ⬆️+5.7% YoY | ⬆️+1.1% MoM 🔹SNLR: 51% → Balanced YoY:

Lowest Mortgage Rates: September 24, 2025 (Changes from Sep 19) All Rates: wowa.ca/mortgage-rates 🇨🇦 3-yr fixed Insured: 3.64% Uninsurable: 3.84% 5-yr fixed Insured: 3.79% Uninsurable: 4.19% 5-yr variable Insured: 3.60% (+5 bps) Uninsurable: 3.95% (+5 bps) 5-yr bond yield

🚨 Big Bank Mortgage Rates: Advertised vs Reality WOWA Data Labs analyzed 171 borrowers at RBC, TD, BMO & CIBC: Actual 3-yr fixed rates were significantly lower than advertised ones. 💡TD gap: 48 bps = $2,400/yr saved on a $500K mortgage 😯 📉 Lesson: Advertised rates are

How Important Is Shopping & Negotiation When It Comes To Mortgage Rates: VERY IMPORTANT Thanks to Hanif & the team @ WOWA.CA just how much you can save has been quantified And its BIG Renewing or Buying: You must shop

Fascinating stuff! You know there's room to negotiate off the advertised mortgage rate, but Hanif and the folks at WOWA.ca did the work to analyze actual borrower data. Key takeaway: ALWAYS negotiate Rob Carrick David Chilton

5 Largest Metros in 🇨🇦 & 🇺🇸 20-Yr Home Price Growth vs Population Growth Population growth matters: 7️⃣of the top 🔟hot markets also lead in population gains More people = more demand But it’s not the whole story ❌ 🏡Charlotte, Orlando & Houston grew fastest in population but

Lowest Mortgage Rates: October 2, 2025 (Changes from Sep 24) All Rates: wowa.ca/mortgage-rates 🇨🇦 3-yr fixed Insured: 3.69% (+5 bps) Uninsurable: 3.89% (+5 bps) 5-yr fixed Insured: 3.89% (+10 bps) Uninsurable: 4.24% (+5 bps) 5-yr variable Insured: 3.70% (+10 bps)

Median Disposable Income of Canadians (1990–2023) 📈Adjusted by CPI: Income increased 📉Measured in gold or home value: Income decreased CPI tells only part of the story. It tracks consumer goods, not assets — and when income is measured against asset prices, money’s true

Lowest Mortgage Rates: October 8, 2025 (Changes from Oct 2) All Rates: wowa.ca/mortgage-rates 🇨🇦 3-yr fixed Insured: 3.64% (-5 bps) Uninsurable: 3.84% (-5 bps) 5-yr fixed Insured: 3.79% (-10 bps) Uninsurable: 3.99% (-25 bps) 5-yr variable Insured: 3.60% (-10 bps)

New episode is live! Available on your podcast player and the podcast website. Is Real Estate Making Canadians Unhappy? - thecanadianinvestorpodcast.com/podcast/the-ca… via @beamly

GTA Home Prices September 2025: wowa.ca/toronto-housin… 📈 Home sales up 12% YoY, 7.3% MoM - after declines in recent months • Benchmark: $960k ⬇️ -5.5% YoY | ⬇️ -1.0% MoM • Avg Price: $1.06M ⬇️ -4.3% YoY | ⬆️ +3.6% MoM • Sales: 5,592 ⬆️ +11.9% YoY | ⬆️ +7.3% MoM • SNLR:

Vancouver Home Prices September 2025: wowa.ca/vancouver-hous… • Benchmark: $1.14M ⬇️-3.2% YoY & ⬇️-0.7% MoM • Avg Price: $1.25M ⬆️+0.1% YoY & ⬆️+2.2% MoM • Sales: 1,875 ⬆️+1.2% YoY & ⬇️-4.3% MoM • SNLR: 29% → Buyer’s Market YoY: Year-over-Year | MoM: Month-over-Month

🎙️Thanks Daniel Foch Foch & mybuddynick for having me on The Canadian Investor Podcast Network! We discussed what’s driving 🇨🇦 housing prices — especially the supply & demand dynamics behind today’s unaffordability. Here’s a short 2-min clip on the BoC’s response to the GFC & its lasting impact.

I always learn something when I speak with Hanif Bayat Thanks for joining us on The Canadian Investor Podcast Network CC WOWA.ca mybuddynick

Good discussion here with 3 solid thinkers in the Canadian real estate space: Hanif Bayat Daniel Foch mybuddynick

Lowest Mortgage Rates: October 16, 2025 (Changes from Oct 8) All Rates: wowa.ca/mortgage-rates 🇨🇦 3-yr fixed Insured: 3.79% (+15 bps) Uninsurable: 3.99% (+15 bps) 5-yr fixed Insured: 3.79% Uninsurable: 4.09% (+10 bps) 5-yr variable Insured: 3.75% (+15 bps) Uninsurable: 4.10%

🇨🇦 From factory floors to office towers: A 40-year shift in jobs — my piece in today’s The Globe and Mail 1985 to 2025: The shift from goods to services is clear. 🛍Wholesale & Retail Trade remains the largest sector. 🏥Health Care & Social Assistance is rising fast, set to

Lowest Mortgage Rates: October 22, 2025 (Changes from Oct 16) All Rates: wowa.ca/mortgage-rates 🇨🇦 3-yr fixed Insured: 3.74% (-5 bps) Uninsurable: 3.99% 5-yr fixed Insured: 3.79% Uninsurable: 4.09% 5-yr variable Insured: 3.75% Uninsurable: 4.10% 5-yr bond yield 2.59%