The Green Effect Podcast

"Life is stupid expensive." In Season 6, Episode 10 of The Green Effect, Stephen Green cuts through the noise of the latest Bank of Canada meeting and the quarterly monetary report to explain what's actually happening on the ground for Canadian homeowners and investors. We're in a market defined by "fragility," and if you aren't prepared for the hidden costs of real estate, you're flying blind. Stephen dives into the "supply and demand" story that no one is telling—from the massive glutton of rental inventory hitting the market to the plummeting numbers of single-family building permits. Plus, we explore why the "COVID generation" is facing a massive disadvantage in today's economy and how AI and automation are shifting the employment landscape for our youth. In this episode, we unpack: The Bank of Canada Stance: Why the "comments" matter more than the rate itself right now. The Oil Factor: How 20% of the world's oil flow through the Strait of Hormuz dictates your cost of living. The Rental Reality: Why rents are dropping across Ontario and BC while the Atlantic provinces see a surge. The Advice Gap: Why banks are "lobbying" rates at consumers without a plan—and why taking the lowest rate could cost you thousands in the long run. The Parent's Perspective: A look at how the current recession (or "recession-adjacent" reality) is impacting the next generation of homebuyers. Whether you have a renewal coming up or you're trying to make sense of the new HST rebate confusion in Ontario, this episode provides the grounded, expert perspective you won't get from a bank's automated email. Connect with Stephen Green: Instagram: @sgmortgageadvice TikTok: @sgmortgageadvice Website: The Green Effect Podcast If you enjoyed this episode, please leave a five-star review! It helps us keep the lights on and the coffee brewing.

The Canadian real estate and mortgage markets are changing by the minute, and sitting on the sidelines waiting for a better deal could be costing you thousands of dollars. Welcome back to Season 6, Episode 8 of The Green Effect.  In this episode, Stephen breaks down the current buffet of news impacting your wallet and your home. With global events directly affecting inflation and borrowing costs, we cover exactly what you need to know to protect your investments and stop playing the waiting game. What You Will Learn In This Episode: - Global Inflation's Impact: How overseas conflicts and restricted oil production are driving up inflation, pushing bond yields higher, and causing fixed mortgage rates to spike. - Fixed vs. Variable Rate Risks: The danger of taking a variable rate right now if it's not right for you, just because the initial number is lower.. and why locking in a rate is your best protection. - Navigating Tough Scenarios: Real-world, actionable steps to take immediately if you experience job loss or find yourself dealing with an unmanageable mortgage. - The Return of Bidding Wars: Why real estate agents are suddenly listing below true market value to spark multiple offers, and how buyers should adjust their strategies. - The New HST Rebate Explained: Unpacking Ontario's new HST rebate on new builds, who actually benefits from it, and its potential ripple effect on resale home prices. Stop guessing with your biggest asset and hoping for the best. Talk to a licensed mortgage professional, formulate a concrete strategy, and lock your rate today. If you found this episode helpful, please like, subscribe, and leave a five-star review! Have a question or a topic you want covered next? Drop it in the comments below!

Welcome back to The Green Effect, Season 6, Episode 7! One would argue we are witnessing history right now, and it is having a massive domino effect on the Canadian economy, inflation, and your mortgage. This week, we are breaking down exactly what the Bank of Canada is doing, why bond yields are spiking to 14-month highs, and why I spent my weekend locking in rates. If you are a buyer, seller, or real estate professional, you cannot afford to miss this episode. We are also diving deep into the demographic shifts you need to understand, including why Millennials are the hottest buyers on the market. In this episode, we cover: The Inflation Domino Effect: How rising global tensions and oil prices are threatening the economy and why businesses will pass those costs on to you. The Bond Yield Spike: Why fixed-rate mortgages are jumping rapidly and why you need a mortgage broker who will protect you by locking your rate immediately. The Bank of Canada's Admission: Carolyn Rogers' surprising comment about why Canadian house prices have to come down, and how this affects different demographics. The First-Time Home Buyer Boom: Why the 25-29 demographic is the most critical cohort for sellers right now. The Immigration Shift: How the drop in temporary visas is affecting the market. If your mortgage broker didn't call you this weekend to lock in your rate, you need to listen to this—and then give me a call. Check out my socials! Tiktok @sgmortgageadvice Instagram @sgmortgageadvice Facebook @StephenGreenMortgages LinkedIn @Stephen Green

We might have lost an hour to daylight savings time this weekend, but we are gaining a ton of clarity on the current Canadian real estate and mortgage market. In Season 6, Episode 6 of The Green Effect, we are cutting through the global uncertainty and media noise to look at the actual statistical data driving your mortgage rates and housing prices. In this episode, we cover: The Power of Forward-Leading Indicators: Why following the headlines is a mistake.. but how tracking the statistical data happening in real time helps us try and determine what's happening. Follow the 5-year Government of Canada Bond Yield. Reverse Mortgages Explained: Why downsizing and purging is the biggest hurdle for baby boomers, and how reverse mortgages can be a powerful tool when executed correctly. The 2026 "Double Cohort" Renewal: If you locked in at 1.0% in 2021 or took a 3-year fixed in 2023, your renewal is here. We break down the data on payment increases, dropping debt-to-income ratios, and why you should never blindly sign your bank's renewal letter. Real Estate Investing has Shifted: The old "buy and rent" model is dead. Discover why savvy investors are pivoting to Additional Dwelling Units (ADUs) and multiple income streams. Why First-Time Buyers are Gold: With high inventory and a thaw in consumer confidence, first-time homebuyers hold all the cards. Plus, we look at the exact regions (like Waterloo, London, and Hamilton) that have seen the biggest drops from peak pricing. Remember, if your mortgage broker is not checking in with you regularly and analyzing the numbers, it might be time for a second opinion. Connect with Stephen Green: Search @SGMortgageAdvice everywhere you get your social media content! If you found this breakdown helpful, please leave a 5-star review, like, and subscribe for more data-driven mortgage and real estate insights.

Welcome to Season 6, Episode 5 of The Green Effect Podcast! Stephen is bringing the heat on some massive updates in the Canadian mortgage and real estate market. In this episode, we dive into a brand new pilot program working directly with the Canada Revenue Agency to combat mortgage fraud. If you are a real estate investor or a landlord, this is a must-listen. We also break down the latest inflation numbers, why your grocery bills are still high, how Stephen slashed his cell phone bill, and the reality of falling rents across most of Canada. What We Cover in This Episode: The New Anti-Fraud Tech: A look into a new CRA software pilot attempting to stop fraudulent income documents. Retail & Inflation: Q4 retail sales, consumer confidence, and breaking down Canadian headline inflation versus sticky grocery prices. Cost-Cutting Realities: Where Canadians are cutting back in 2026. The Rental Market Shift: Why rents are dropping across most of Canada and what real estate investors need to do to protect their cash flow. Mortgage Rate Update: The current state of fixed mortgage rates and alternative lending options. If you found value in this episode... Like, subscribe, and leave a 5-star review! Instagram: @sgmortgageadvice Tiktok: @sgmortgageadvice Facebook: Stephen Green Mortgages

In this episode of The Green Effect, Stephen Green breaks down the current realities of the Canadian mortgage landscape. We dive deep into the often misunderstood world of private mortgages—exploring the high risks and potential rewards involved. We also unpack the latest market statistics for nearby Ontario regions revealing why understanding your local trend line is critical whether you are buying or selling. Plus, we discuss a major hurdle facing the economy: youth unemployment and its long-term impact on the housing market. Finally, we tackle the topic of generational wealth, offering strategies for parents looking to support their children in purchasing their first home. In this episode, we cover: The Private Mortgage Trap: Why you need to mitigate your risk. The Stress Test: How it currently impacts your borrowing power. Market Watch: Detailed real estate stats for Waterloo and London / St. Thomas. Generational Wealth: Practical advice on how to help the next generation enter the property market. Job Market Impact: How unemployment rates are shaping housing trends. #CanadaRealEstate #CanadianMortgages #HousingMarketCanada #MortgageRates #PrivateMortgages

In this episode of The Green Effect, Stephen Green dives deep into the major financial shift coming in 2026: the massive wave of mortgage renewals. Stephen breaks down why blind loyalty to your bank could cost you thousands, and the importance of always doing your research and exploring your options. We also analyze the latest Canadian market trends, including rising mortgage delinquencies in Ontario, the decline in single-family building permits, and what the drop in immigration means for rental demand. Whether you are a homeowner preparing for renewal or an investor trying to cash-flow in a fluctuating market, this episode provides the critical data you need to protect your assets. Key Takeaways The 2026 Renewal Wave: A massive volume of mortgages are up for renewal soon; understanding your rate options is critical. The Creditor Insurance Trap: Why bank-provided mortgage insurance is often harder to claim than independent policies. Market Warning Signs: Mortgage delinquencies are rising, specifically in Ontario, signaling financial stress for many households. Inventory Shortage: Single-family building permits are down, which will likely squeeze inventory in the coming years. Rental Market Shift: While rental starts are up, demand is softening due to lower immigration targets. #CanadianRealEstate #MortgageRenewal #RealEstateCanada #MortgageTips #HousingMarket

Are you bleeding money on streaming services? It might be time for a hard reset. In this episode of The Green Effect, Stephen Green gets personal about the "subscription creep" that hits most of our bank accounts. He shares his recent strategy that drastically slashed his monthly streaming bill and offers practical advice on how you can audit your own expenses to save significant cash every month. But it's not just about saving money; it's about understanding the economy we are living in right now. Stephen takes a somber but necessary look at the current global climate and the emotional weight it carries. We dig into the reality of the Canadian economy, specifically the struggles in the youth job market and what the Bank of Canada's latest moves mean for your financial future. Finally, is it actually a buyer's market? Stephen wraps up with critical advice for potential homebuyers, explaining why "emotional readiness" is just as important as financial readiness when navigating real estate today. In this episode, we cover: The Subscription Audit: Practical steps to cut monthly costs without completely sacrificing entertainment. The Canadian Economy: A look at job market struggles and the rise in youth unemployment. Bank of Canada: Insights into economic predictions and interest rates. Real Estate Reality Check: Why research beats timing the market, and how to know if you are ready to buy. Quotes from this Episode: "I brought our subscription services down... I probably saved myself 150 to 200 bucks a month." "Do your research, understand what you're buying." "If you are emotionally ready, buy a home."

The Green Effect is back. After an 8-month hiatus, Stephen Green returns to the mic to discuss why the podcast paused, how content strategy is evolving, and why deep-dive conversations matter more than ever in a world of short-form clips. But this episode isn't just about media—it's about the market. Stephen breaks down exactly what the Bank of Canada is doing (and what they aren't doing) and how that impacts your wallet. We look at the startling data behind Canada's shrinking population dynamics, why Ontario and BC are seeing an exodus, and why we are officially sitting in a "Buyer's Market." Plus, if you are struggling with the age-old question of Fixed vs. Variable, Stephen cuts through the noise to help you understand risk tolerance and rate realities. Key Topics Covered: Content Strategy: Balancing the viral short-form clips with the necessity of long-form depth. The Bank of Canada: Demystifying their "one job" and how it actually affects the prime lending rate. Population Dynamics: How immigration changes and population shrinkage are cooling housing demand. Real Estate Reality: Why it is currently a buyer's market and what that means for investors and homeowners. Mortgage Advice: A no-nonsense look at fixed vs. variable rates and how to assess your personal risk. Quotes from the Episode: "Bank of Canada has one job only." "We are officially shrinking, okay?" "It's a buyer's market."

🎙️ The Green Effect Podcast - Season 5 Premiere! 🚀   Join host Stephen Green as he kicks off Season 5 with special guest Scott Shea, the 'Right Sizing Expert' in real estate! 🏡💡   Trend to "Right Size" Homes | Commercial Interests | Branding & Elite Service Offering | Generational Wealth Transfers   In this episode, we dive into: ✅ The emotional challenges of moving & downsizing. ✅ Generational wealth transfer & its impact on real estate. ✅ The shift towards smaller, more affordable homes. ✅ Why relationships, integrity & trust matter in business. ✅ The future of real estate in a skill-based, relationship-driven market. Don't miss it! 🎧 #TheGreenEffectPodcast  

📢 New Podcast Episode Alert! 🎙️   🎙️ Season 4, Episode 25 of The Green Effect Podcast 🎙️   Stress Test Free Switch Fiasco | Major Bank Involved in Law Suit | Unemployment Rate Impacts | Tiffyboy: Santa or Scrooge?   Hosted by Stephen Green, this episode dives into the latest insights shaping Canada's financial landscape:   📌 The impact of Bank of Canada announcements on mortgages 📌 New stress-test-free mortgage switching regulations 📌 Scotiabank's automatic renewal process explained 📌 Economic health indicators, including unemployment trends 📌 The implications of high household debt and interest rate cuts   Don't miss out on expert advice to navigate mortgage renewals, manage holiday spending, and plan for 2025! 🎧   Listen now wherever you get your podcasts. 🎙️   #TheGreenEffectPodcast #StephenGreenPodcast #MortgageAdvice #BankOfCanada #InterestRateUpdate #CanadianEconomy #EconomicInsights #RealEstateFinance #FinancialHealth #MortgageRenewals #HouseholdDebt #UnemploymentTrends #ScotiabankTips #StressTestExemption #EconomicForecast #FinancialAdvice #TopMortgagePodcast #HolidaySpendingTips #PlanAhead #PodcastInsights #RealEstateTips #CanadianFinance #TopProducers #TheFinancialCollective #NavigateYourFinances   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

📢 New Podcast Episode Alert! 🎙️   🌟 Green Effect Podcast Season 4, Episode 24 🌟   JT and Disney+ Lady Spending Money They Don't Have | Truth Behind the New Stress Test-Free Mortgage Switches | Singing About Fraud on Social Media   In this engaging episode of The Green Effect Podcast, Stephen Green dives into the latest economic and real estate developments in Canada, with his signature mix of humor and no-nonsense analysis.   Stephen dissects the federal government's GST holiday, highlighting its short-term benefits and potential long-term consequences, including inflation and economic strain. He critiques the logic of offering tax breaks while the country faces a significant deficit, calling it a "wolf in sheep's clothing." He emphasizes the need for better allocation of resources, such as investing in housing solutions.   Shifting gears, Stephen explores the recent mortgage stress test policy changes. While eliminating the stress test for straight mortgage switches at maturity is a step forward, he critiques the rule's limited scope and exclusion of monoline lenders and credit unions. He notes that this policy, while promising on the surface, is unlikely to revolutionize the mortgage market.   Stephen also discusses shifting consumer sentiment, the rise in first-time homebuyer activity, and upcoming regulatory changes, such as the 30-year amortization option for buyers with less than 20% down.   Finally, Stephen calls out misinformation on social media, warning listeners to critically evaluate posts about "cash flow-positive" properties that may misrepresent the realities of mortgage regulations. With sharp insights and candid commentary, this episode is a must-listen for anyone navigating Canada's housing and economic landscape.   #TheGreenEffectPodcast #CanadianEconomy #RealEstateTrends #MortgageUpdates #GSTHoliday #EconomicInsights #HomeBuyingTips #MortgagePolicy #HousingMarket2024 #FirstTimeHomeBuyers #RealEstateInvesting #FinancialPlanning #StressTestChanges #MortgageAgentLife #ConsumerSentiment #CashFlowProperties #CanadianHousingCrisis #GovernmentPolicies #HousingAffordability #PodcastLife #MortgageAdvice #RealEstateNews #MarketAnalysis #InflationImpact #StephenGreen     Instagram, YouTube, Facebook, TikTok: stephengreen.ca

🌟 Green Effect Podcast Season 4, Episode 23 🌟   Podcast Update | Trump Impacts on Canada and Beyond | Current Mortgage State and Rates | Reaching out for help.   In this episode of the Green Effect Podcast, Stephen Green discusses the evolution of his podcast, the current political landscape with a focus on Donald Trump, and the economic impacts of his policies. He delves into the housing market dynamics, emphasizing the importance of working with knowledgeable mortgage professionals, and highlights the significance of consumer sentiment in financial decision-making. Green also shares personal insights on managing ADHD and the necessity of seeking help in financial matters.​   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

🌟 Green Effect Podcast Season 4, Episode 22 🌟   Unemployment Stats - True Meaning | Market Update - Months of Inventory | Temporary Workers - Impacts | Pointless 30 Year Am for New Builds and First TIme Homebuyers   In this episode, Stephen Green discusses various topics related to the economy, employment, and housing market. He provides updates on the unemployment rate, particularly for young people, and highlights the challenges faced by students in finding summer jobs. He also talks about the high immigration rate in Canada and its impact on the economy. Additionally, he discusses the role of the Office of the Superintendent of Financial Institutions (OSFI) in regulating banks and the delay in implementing minimum capital requirements. Stephen also shares his insights on the current housing market and offers advice for first-time homebuyers.

📢 New Podcast Episode Alert! 🎙️   🌟 Green Effect Podcast Season 4, Episode 21 🌟   Future of Real Estate Agents and Mortgage Brokers | A BUILT Business on Social Media | Developing Your Brand   We have TWO incredible guests! In this episode, Madelyn Townes, Real Estate Agent from Remax, joins Lacey Morrison and I. Madelyn shares her incredible journey of leveraging social media, particularly TikTok, to skyrocket her real estate business. 📈🏡  Our co-host Lacey of The Broker Social fame, adds valuable insight from her side of the business where she helps agents grow their business through social media.   Madelyn opens up about her initial struggles in the industry and how going viral on TikTok changed everything. She emphasizes the power of relatability and authenticity in connecting with modern consumers. 💡✨   Madelyn and Lacey dive deep into the significance of being authentic and unapologetic in the real estate world. They break down preconceived notions, share tips on handling negative comments, and highlight the importance of staying informed to create engaging content. 🌟🗣️    Tune in as she discusses the future of the real estate industry, the importance of providing value beyond transactions, and the challenges of personal branding and evolving partnerships. 🤝📲   Don't miss out on this inspiring and informative conversation! 🎧✨   #RealEstateJourney #TikTokSuccess #AuthenticBranding #RelatableContent #SocialMediaGrowth #ModernConsumers #RealEstateIndustry #ValueBeyondTransaction #PersonalBranding #Partnerships #StayInformed #EngagingContent #RealEstatePodcast #InspiringJourney #ViralSuccess #RealEstateTips #ClientRelationships #HandlingNegativity #UnapologeticallyYou #BuildingTrust #CreatingContent #ValuableAdvice #FutureOfRealEstate #PodcastEpisode #ListenNow #MadelynTowns   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 20   New format - REALLY LIVE! | Increased Volumes | What will Tiffyboy do? | Inflation Report Recap | Appraisal Trends   🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of entrepreneurship. 🏡 🎙️   🔍 In This Episode: 🏡 Updates on the real estate market: increased listings and buyer-seller negotiations. 📊 Analysis of recent unemployment numbers and the potential actions of the Bank of Canada. 👥 A sneak peek at upcoming episodes featuring real estate agent Madelyn Townes and social media expert Lacey Morrison. Don't miss out on these valuable insights!   🎧 Listen now on your favorite podcast platform.

The Green Effect Podcast is LIVE!   Season 4 - Episode 19   Building a Brand and Business | Canadian June Unemployment Stats | The Current Housing Market | Tiffyboy and What He's Thinking for July   🎙️ In this episode, Stephen Green opens up about taking a break from podcasting to focus on self-care. 🌟 He reflects on the evolution of his brand and business as a Mortgage Agent, discussing the challenges and rewards of entrepreneurship. 🏡 🎙️   🔍 In This Episode: 🏡 Updates on the real estate market: increased listings and buyer-seller negotiations. 📊 Analysis of recent unemployment numbers and the potential actions of the Bank of Canada. 👥 A sneak peek at upcoming episodes featuring real estate agent Madelyn Townes and social media expert Lacey Morrison. Don't miss out on these valuable insights!   🎧 Listen now on your favorite podcast platform.   #GreenEffectPodcast #PodcastRelease #Season4Episode19 #StephenGreen #SelfCare #Entrepreneurship #RealEstateMarket #MortgageBroker #UnemploymentAnalysis #BankOfCanada #RealEstateUpdate #BuyerSellerNegotiations #BrandEvolution #BusinessChallenges #RealEstateAgent #SocialMediaExpert #MadelynTownes #LaceyMorrison #PodcastSeason4 #PodcastCommunity #NewEpisode #StayInformed #RealEstateNews #EntrepreneurLife #MarketUpdates #PodcastAnnouncement #ListenNow   Instagram, YouTube, Facebook, TikTok: stephengreen.ca                  

The Green Effect Podcast is LIVE!   Season 4 - Episode 18   Social Media Impact for Realtors | Challenges for First Time Homebuyers and the Condo Market | The Current State of the Housing Market | Clients First and the Client Experience   Join host Stephen Green and guest host Bryan Braga, Mortgage Agent with The Financial Collective on the latest episode of the Green Effect Podcast as they sit down with Realtor Scottie Henderson. 🎙️   🔍 In This Episode: 📲 The importance of originality in social media marketing. 🏡 The evolution of Scottie's real estate career. 💡 The impact of social media on selling houses. 📊 Tracking the effectiveness of marketing strategies. 📉 The current state of the real estate market, especially in the condo sector. 💰 The challenges faced by first-time homebuyers and the over-saturation of the condo market. 👥 How friends and families are pooling resources for larger property purchases. 📈 The significance of long-term investment strategies in real estate.   Tune in to gain insights on navigating today's real estate challenges and the power of authentic marketing!   🎧 Listen now on your favorite podcast platform.   #GreenEffectPodcast #StephenGreen #ScottieHenderson #BrianBraga #RealEstate #SocialMediaMarketing #Authenticity #MarketingStrategies #RealEstateMarket #CondoMarket #FirstTimeHomeBuyers #InvestmentStrategies #BuyersMarket #RealEstateTrends #Condos #PropertyInvestment #LongTermInvesting #FamilyInvesting #OriginalContent #SellingHouses #SocialMediaImpact #Metrics #TrackSuccess #PodcastEpisode #ListenNow #RealEstateInsights   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 17   In the latest episode of The Green Effect Podcast, Stephen Green dives deep into some of the most pressing topics affecting the Canadian real estate market and economy:   🏦 Bank of Canada's Rate Drop: How will this impact your mortgage and the housing market? 🏡 Affordable Housing: Insights on Justin Trudeau's latest comments and their potential effects. 📊 Employment Numbers: What do the latest figures mean for Canadians and the economy? 🏠 Property Appraisals & Additional Dwelling Units: How these changes could benefit homeowners and investors.   Tune in for expert analysis and stay informed on how these developments might affect you!   #TheGreenEffectPodcast #RealEstate #CanadianEconomy #BankOfCanada #MortgageRates #HousingMarket #AffordableHousing #JustinTrudeau #EmploymentNumbers #PropertyAppraisal #AdditionalDwellingUnit #ADU #HomeInvestments #CanadianRealEstate #Podcast #StephenGreen #Finance #EconomicInsights #HomeBuyers #RealEstateInvesting #Homeowners #MarketTrends #MortgageBroker #RealEstateNews #PropertyManagement #CanadianPolitics   Instagram, YouTube, Facebook, TikTok: stephengreen.ca    

The Green Effect Podcast is LIVE!   Season 4 - Episode 16   The Power of Social Media | The Power of Partnerships and Referral Sources on Social Media | Authenticity and Relatability in Social Media Content   In this episode of the Green Effect Podcast, Stephen Green interviews Lacey Morrison, the founder of Broker Social Club. Lacey shares her journey of transitioning from being a mommy influencer and goldsmith to becoming a social media expert for mortgage brokers. She emphasizes the power of social media in building communities and establishing trust with potential clients. Lacey encourages authenticity and relatability in social media content, rather than focusing solely on marketing. She also discusses the importance of consistency and patience in building a social media presence. Lacey advises new mortgage brokers to focus on building relationships and trust with their target audience. In this part of the conversation, Lacey and Stephen discuss the topics of being offended, cancel culture, and the importance of being mindful of what you say online. They also talk about the value of building a community on social media and the potential risks and benefits of using social media as a mortgage broker. Lacey shares her experience of dealing with online harassment and emphasizes the importance of privacy and security measures. Building solid partnerships and referral sources is key to growing your business on social media. It's important to create content that speaks directly to your target audience and also appeals to potential referral partners. Authenticity and consistency are crucial in gaining trust and building relationships. Boosting high-value content can be more effective than spending money on Facebook ads. Organic reach and engagement are valuable in attracting and retaining clients.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 15   Real Estate Investing, Joint Ventures, Kingston Real Estate, Successful Student Rentals with René Masse, Investor/Realtor/Coach/Entrepreneur   On this week's edition of The Green Effect Podcast, we have Rene Masse…or whatever his name is! Rene is a successful investor in the Kingston area as well as a realtor in Ontario. We talk about what a successful residential rental property looks like as well as the advantage of working with student tenants. We talked business in general and how he ended up in this line of work.  Finally, I give Rene and unlimited budget to fix the Ontario landlord-tenant board…listen for his solution!   Make sure you take a listen to Rene's podcast The Rene Masse Podcast…especially Season 5, Episode 15!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 14   Current State and Future of Mortgage Broker Technology with Tom Hall, Co-Founder, Blu Mortgage!   Very excited to have Tom Hall, Co-Founder of Blu Mortgage visits The Green Effect Podcast!  Tom and his company are leading the industry with incredible mortgage technology solutions. Their Blu Mortgage platform is an industry leading solution for top performing mortgage agents and brokers in Canada. Pathway Pro, The Financial Collective's Top Level Mortgage Agent Platform is built on Blu Mortgage.   Tom and I talk about the current state of mortgage technology in Canada as well as where he sees the biggest gaps on the technology side of mortgage brokers. We talk about where he sees the industry going as well as a great discussion on which mortgage brokers will truly make it in the industry going forward.  Finally, we chat about automation, what it means to mortgage brokers, and how powerful it could be to deliver an exceptional client experience.  If you are a mortgage broker, agent, specialist, professional, you need to listen to this podcast!   Make sure you take a listen to Tom's podcast Mortgage Tech Talks.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 13   Mother's Day Weekend | Mortgage Broker Fined for Fraud | Canada Post Woes | Jobs Numbers - Good but Bad | Tenant Ordered to Pay A LOT of Money for Non-Res Landlord   In this episode, we explore a bunch of stuff starting with the joy of Mother's Day Weekend. We'll discuss how my wife and I spent our day…watching a roast! Switching to a tougher topic, we'll dive into the recent scandal of a mortgage broker fined for significant fraud, dissecting the details of the case and its repercussions on the industry and trust in financial professionals. The conversation then turns to the latest difficulties at Canada Post, where they're kind of out of money with a declining usage rate. On the economic front, the new jobs report reveals a good news/bad news situation —promising numbers shadowed by underlying economic concerns. We'll break down what this means for the average worker and the economy at large. Finally, we cover a contentious legal decision where a tenant has been ordered to pay a substantial amount to a non-resident landlord, sparking debates on tenants' rights and property laws.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 12   Federal Budget Fallout | Rates.  Up? Down? Sideways? | Death of the Middle Class | 3.9 Million Homes? | Now What?   Join me this week as we dissect the most pressing economic issues. First, we delve into the recent federal budget's fallout—what it means for the economy and how it affects you. Then, we'll break down interest rates: Are they going up, down, or holding steady in this unpredictable financial climate? I'll also discuss the alarming trends contributing to the death of the middle class, and what policies might help revive it. Plus, we'll explore the reality behind the headlines of 3.9 million homes and which planet Disney+ Lady and J.T. are living on this week.  Tune in for insightful analysis and thoughtful debate on where we go from here!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 11   Market Update - Housing are moving! | Halal Mortgages - Clarity | Stupid Things My Prime Minister Says | Housing Thoughts and Where We are Going   We start the podcast this week with our usual market update going through the happenings of offers on homes and mortgage rates.  We then begin to break down the federal budget that was released. We need to dispel the misinformation about Halal Mortgages. From there, we break into talking about where our housing numbers and behaviours are right now before we can really understand how much of a disaster this federal budget really could end up being.  This is one of our bigger thought-provoking podcasts.  Love to hear your comments.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 10   Guest Appearance with Bryan Braga, Mortgage Agent with The Financial Collective!   Bryan visits us to talk about his journey as a new Mortgage Agent in this insane market.  We chat about COVID and the impact on all people who were looking to grow their careers at that time.  Dive into the circle of life: Go to school, work, retire, and die…but, can you break the cycle?  We go over his thoughts on the market specifically for millennials.  Bryan is one of the only people who really understands starter homes, so we talk about it! Finally, how he sees the mortgage world and mortgage brokering evolving.    Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 9   Monitor problems | Social Media Consultant | Market Chat | Employment Numbers | CMHC Predictions | Bond prices and fixed rates   Nuts-o week!  I hit on all three of The Green Effect Podcast's main topics…Finance, Life, and Business.  I start by talking about my new and incredible experiences with a social media consultant. I then give an update on the real estate market and all the insane things that are going on. Canadian employment numbers are out and CMHC comes out with some very interesting predictions over the next couple of years around house prices. Finally, let's talk rates…because who doesn't love talking about where rates are going to go and the bond market.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 8   Market Update - BIG Shifts! | Shameless Plugs on Programs: TFCMP.ca and PremierePartner.ca | Immigration Number CHANGES! | OSFI is ALIVE and Talking!   Really interesting week in the market…things are very much picking up and we talk about it. We've got some incredible new programs that we also chat about that you need to know about! We finish with two humungous announcements around lowering immigration numbers in Canada as well as OSFI coming to the table with some changes for mortgage lending into 2025.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 7   Market Talk | The B.O.C. Announcement - Now What? | Economy Worst Than Appears? | Rental Property Challenges   Let's talk what is going on in the market! Multiples, over list price, going firm. Like it's 2021 all over again! Is the economy worst than things appear?  We have high debt to income household debt and high business insolvency…not good.  The B.O.C. and their thoughts on the housing market NOT being their problem.    Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 6   The B.O.C. Rate Announcement | Quarterly Bank Earnings | Turnover Rents Up HUGE! | First Timer Incentive Axed | Rate Talk   It's Bank of Canada Rate Announcement Week…almost as exciting as Super Bowl Week!  What are they going to do? Quarterly bank results are out…who are the winners and losers.  Hint, the casino always wins! Turnover rents are through the roof…what is the big picture impact? And finally, the Feds get rid of that crazy share-ownership program.  Blah!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 5   Personal Update | Inflation and Interest Rates | New Home Construction and Immigration | Fraud at HSBC   We start with a personal update about me and my messed up world.  Then move on to Canadian inflation talk which of course becomes interest rate talk.  New home construction way down…shocker! But what role will a reduction in international students play? And finally, RBC's door prize for buying HSBC, HSBC is in some hot water over fraud allegations.  Fun.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 4   Personal Surgery Update | Roller Coaster Ride of Canadian Unemployment, US Inflation, and Tiffyboy Speaking | Mortgage Renewal Planning and Mortgage Planners   Crazy week. Just crazy. Had an important surgery canceled, unemployment numbers and inflation are all over the place, and then Tiffyboy won't shut up. Nuts.  We unpack two very significant report announcements around Canadian unemployment numbers, and US inflation numbers that truly did have an impact on the economy. We also talk about the importance of mortgage planning and what I'm seeing from clients with existing mortgages, renewals, and refinances. Lots to talk about!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 3   Personal Updates | Rate talk…now what? | International Students and AirBNBs | What I'm seeing with mortgages | Crazy stats around new Canadians and housing starts   Had an up and down week…flooring, doctor, and lots-o mortgages.  The B.O.C. had their rate announcement…boring but where are we going now? International Student admittance cap. When coupled with the AirBNB tax changes, all our housing problems are solved right? Finally, crazy stats revealed around new Canadians ratio to new housing starts…nuts!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 2   Fun Mortgage Rates Talk | Foreclosures and Power of Sales | Immigration Change of Direction? | Federal Government Not Getting the Love   Let's talk mortgage rates and the emotional rollercoaster that they are. Foreclosures and Power of Sales are big…but are they? And who are they really impacting? Is Canadian Immigration going a completely different direction? It's possible.  Finally, JT and Disney+ Lady not feeling the love of Canadians…but why?    Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 4 - Episode 1   Happy New Year! | 2024 Predictions | Mortgage Rates and The B.O.C.'s choices | AirBNB Bans and Their True Impact…if any? | International Students | Housing in General   2024 is here…thank goodness!  2023 can just go f$#@ off!  Let's talk about what 2024 has in store for us.  Rates, mortgages, and immigration.  Popular topics and all will impact the 2024 housing market.  Sprinkle in some talk on AirBNB issues and you have a podcast that could prep you for 2024!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 40   International Student Changes Coming! | AirBNB - What's in Store for People with AirBNBs? | The B.O.C. and their non-move on rates | What's Next For Housing?   International students have changes coming to their requirements to be here in Canada…will that change things? AirBNB bans in major urban centres…will this bring a landslide of inventory to the market or more long term rentals and CRA windfall? Yeah, I was wrong on The B.O.C. rate non-movement…let's talk about who I blame. And finally, what's next for Canadian Housing Armageddon?    Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 39   SPECIAL EPISODE | Housing Hell - Video Review | Bank Quarterly Earnings | Loan Loss Provisions   VERY excited for this podcast.  I bring the latest and greatest with the Banks' Quarterly Earnings…still making money! Also chat about Loan Loss Provisions and why no one should jump off any buildings just yet.  The star of our episode is my side-by-side review of "Housing Hell: How we got here and how we get out.".  Pierre Pollevre put this YouTube video out and you'll be shocked at the stats, numbers, and material…in an interesting way.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 38   Two topics: New Canada Mortgage Charter | October Inflation Report   We break down the New Canadian Mortgage Charter that was read at the Fall Economic Statement.  Short Term Rentals Tax punishment, Not Building Enough Homes, and owing a bit of interest on their debt are the major topics.  Then, we dive a bit into the October Inflation numbers.  Gas down, everything else, still high.    Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 37   My week and my injuries | Take Care Of Maya Chat | The B.O.C. Dilemma | Efficient Immigration   Had a rough week with an injury…rough being a weekend warrior! I chat about the "Take Care of Maya" movie. The B.O.C. and their band of merry people…what's next? Is there a way we could have "efficient immigration" to make sure we can really address the lack of certain fields?    Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 36   Back to the solo gig! | Bank of Canada Accountment - Read Between the Lines | Federal Government - Backtrack Party | Rate Outlook and Should You Buy a House Right Now?   Back to the solo gig for this weekly episode! We dig a little bit deeper into The B.O.C. announcement. As folks over 45 will understand, it's not about the pictures, t's about the article.  JT and Disney+ Lady doing the "backtrack dance" in the Maritimes to make up for their previous sins. Finally, we talk about my outlook on interest rates, and I answer the question "should you buy a house right now?".  Funnest podcast you'll listen to this week!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 35   Special Guest - Jonathan Pooley! | Starting a New Business | Surrounding Yourself with Success | Networking and Building Relationships | The Mortgage Agent Grind!   VERY excited to have the man himself, Jonathan Pooley, Mortgage Agent with The Financial Collective.  Jonathan is a fantastic new agent that joined our team and his fearless ability to want to grow his business and deepen relationships is unparalleled.  We talk about why the heck he chose mortgages. Jonathan talks about his early days trying to grow his business and how he views relationship building with partners and realtors.  Finally, we talk about team and how he wants to surround himself with the right people.  Great listen if you are thinking of getting into the mortgage game!   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 34   Two weeks off - travel and almost died! | What's going on in the market? MOI, employment issues | Where are rates going now? | JT and people not liking him | Do NOT be ashamed to reach out for help!   Guess who's back?  Had a couple of weeks off.  Traveled, saw some things, almost died.  You know, the usual.  Market is here, there an everywhere and we unpack it for you.  Rate predictions cause, well, it's what we talk about! JT has less friends…oh well.  Finally, a reminder about seeking help when you need it.    Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!    Season 3 - Episode 33    Phil Bailey, Real Estate Agent, House Sigma joins us!    Lots of Market Talk | The business in general | Family, kids, and forgiveness | Shocking questions asked!    Second half of our home-n-home series with Phil.  Poor sucker had me on his podcast a couple of weeks ago so I'm returning the favour.  We talk about a lot of general hot-button topics in the market.  The London market and where he sees it going with investors.  His history and how he got sucked into real estate.  Finally, we talk family and try to give as much marital advice as possible.      Instagram, YouTube, Facebook, TikTok: stephengreen.ca 

The Green Effect Podcast is LIVE!    Season 3 - Episode 32    Golfing, Tech Conference, Apple Conspiracy | Feds Announce GST elimination on Rentals | Less People Want to Live in Canada | CMHC Report on Housing    Back to a solo video session for this week. We talk about my week last week with Golf Sponsorship and sitting at a hole for two days, the Zoho tech conference I attended, and my thoughts on an Apple conspiracy.  JT and his cast of merry men and women announce a GST elimination on new rental housing builds.  Stats out on people not wanting to live in Canada.  Finally, CMHC comes out with stats around housing requirements and their numbers on house prices.      Instagram, YouTube, Facebook, TikTok: stephengreen.ca 

The Green Effect Podcast is LIVE!   Season 3 - Episode 31   Thoughts on The B.O.C.'s non-rate announcement | Rent To Home - What it is and isn't AND how it helps people | Thoughts on where the housing market is headed   Special Guest - Alfonso Salemi - Co-Owner/Co-Founder/Co-In Charge at JAGG Rent to Home   Very excited to have a great partner Alfonso Salemi on from JAAG.  Rent to Home (Own) has had a wild ride on the last twenty years and Alfonso breaks down what this great program is and what it isn't.  Lots of myths are out there due to some bad press and things that happened (NONE with JAAG) so Alfonso breaks down how this actually HELPS Canadians.  On top of this, we talk about his growing family, his thoughts on the current market, and his predication for the next B.O.C rate hike….I mean…announcement.  :)   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 30   Special Guest - Brittany Dewing - Financial Broker and Coach! - @brittdewing_   Impact of the current market on people | Recruiting and leadership within a team | Insurance - why? | Entrepreneurship and finding a diamond in a pile of s#!+ | Investment vehicles and importance of planning.   I promised it and here we are, our first guest of the year and it's the amazing Brittany Dewing!  We talk about what she is seeing with her clients as rates continue to rise.  She is a team leader, how does she recruit, what does she look for, and what does transparency mean to her.  We also chat about Financial literacy, the importance of planning, and what generational wealth means.  Finally, she shares her story and inspirational diamonds and, well…   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 29   Mo Video, Mo Fun! | Feds get together for a slumber party in PEI | International Students - More or less? | Bank Quarterly Earnings - Good and bad | Current state of the market and rates   Still doing video…too much to stop! Feds have a sleep over in PEI…lots accomplished…lol…"lots".  Are International Students our next target? Bank quarterly earnings…RBC and TD headlining the show.  And my usual "high value" take on the market.    Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 28   Back to VIDEO! | Post Mortem on Inflation Increase | House Debacle | Where Does This End?   We are BACK on video!  Thank to advice from a friend, The Green Effect Podcast is back with video as well.  Check it out on our Youtube Channel: https://www.youtube.com/@sgmortgageadvice.  Inflation went up…no kidding.  How did this happen?  Housing is a mess…who cleans this crap up? Finally, where and when does this end?   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

The Green Effect Podcast is LIVE!   Season 3 - Episode 27   New Housing and Immigration Ministers and why nothing will change | Next BOC Prediction | Why house prices will not crash | OSFI Changes to your HELOC   We have a new Immigration and Housing Minister…same story, different minister.  What's my prediction for the next Bank of Canada rate announcement?  My best guess as to why housing prices will not "crash".  Finally, I explain what is happening with HELCO changes and our "friends" at OSFI.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca

Season 3 - Episode 26   This Week in the Canadian Circus | Disney+ Lady dodges the shuffle and then says nothing of value | Three guys named Inflation, Prime Rate, and Bond Price walk into a bar…   The Canadian Circus is in full swing! We talk about Chrystia Freeland and how she dodged the cabinet shuffle and went on to piss off the Maritimes again, this time, PEI.  How has the increase by The B.O.C. in prime a couple of weeks ago panned out.  Inflation - false hope? Disney+ lady is celebrating! (insert eyeroll here). Bond prices setting records…not good for the fixed rate market.   Instagram, YouTube, Facebook, TikTok: stephengreen.ca