PODCAST · business
The Green Effect Podcast
by Stephen Green
Finance, life, business and everything in between! Reboot 2022! Brand new content with just myself gabbing away about the real estate world, personal stuff going on in my life, stories as an investor, and whatever else fits my fancy! Proudly sponsored by Top Consulting: topconsulting.ca
Episodes
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Fixed Up, Variable Flat — October Market Update for Canadian Homeowners
As of October 5, 2026, fixed mortgage pricing is rising with bond yields while variable holds steady. Stephen Green breaks down what that gap means for buyers and renewers, why you need to understand the variable product you choose, and what's happening in the Kitchener-Waterloo, Cambridge…
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Bank of Canada Holds, 42,000 Jobs Lost, Waterloo Housing Market Update
The Bank of Canada held the overnight rate this week, and almost every headline stopped there. The more useful information was in the press conference, where the Bank said it is not ruling out an increase — because tariffs are inflationary and inflation has climbed to the top of their tolerance...
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Tariffs, Bond Yields and Your Canadian Mortgage — Market Update
A 50% tariff is going in. Canada is matching it dollar for dollar as of September 8. And the bond market moved the same morning the news landed. In this episode Stephen Green connects the trade-war headlines to the number that actually shows up on your mortgage statement. IN THIS EPISODE: • The…
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Jobs Report Doubts, Bond Yields and Canada's Coming Housing Squeeze - S6E17
Ontario's unemployment rate dropped to a two-year low — and Stephen Green isn't convinced. In this episode of The Green Effect Podcast, Stephen walks through the four forces moving the Canadian mortgage and housing market right now, and what each one means for you if you're buying, renewing, or...
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S6 E16: Fixed Rates Tick Up, 50% Tariffs & My Canadian Housing Bottom Call
Fixed mortgage rates moved up this week — not by much, but enough to notice. In this episode, Waterloo mortgage broker Stephen Green traces the line from a trade dispute, to the bond market, to your mortgage payment, and then looks forward at where this market actually goes from here. IN THIS...
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Don't Sign That Renewal — Jobs, Housing & Bank of Canada Rates - S6E15
Your bank just mailed you a mortgage renewal letter — and signing it without advice could cost you thousands. This week, Waterloo mortgage broker Stephen Green explains why banks are pushing borrowers to sign on the dotted line with no guidance, and what to do instead. He also digs into the…
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New Build HST Rebate, Short-Term Rental Tax Traps & Variable Rate Warnings (Canada 2026) | The Green Effect Podcast S6E14
Chasing the HST rebate on a new-build home? Before you switch from resale to new construction, this episode walks Canadian homebuyers through the real risks. Mortgage broker Stephen Green covers the new-build HST rebate confusion nobody can answer yet, a short-term-rental HST trap that can cost...
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Bank of Canada Holds Rates: What It Means for Canadian Mortgages | Appraisal Shocks, the Slow Bleed & Claude AI Rabbit Hole (S6E13)
⭐ Enjoying The Green Effect Podcast? Follow the show and leave a 5-star rating — it takes 10 seconds and helps other Canadians find honest mortgage talk. The Bank of Canada held its overnight rate at 2.25%, but Canadian mortgage broker Stephen Green says the real story is what the Bank actually...
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The Slow Bleed: Mortgage Rates, Rising Delinquencies, and a Technical Recession?
The Green Effect | Season 6, Episode 12 We are back with a jam-packed episode of The Green Effect, and Stephen is pulling absolutely no punches today. From chaotic wine country weddings and frustrating credit card fraud to deep-diving into whether we are in a "real" recession or just a half-assed...
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Spring Market Surge | Bond Yield Blues | Navigating the Middle Class Squeeze
The Green Effect | Season 6, Episode 11: Spring Market Surge, Bond Yield Blues, and Navigating the Middle Class Squeeze Fresh off a humid trip to Mexico, Stephen Green is back in the studio late on a Sunday night (coffee in hand!) to break down a week of massive, moving targets in the Canadian...
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Bank of Canada Hold | Market Fragility | Why Rates Aren't Everything
"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…
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Mortgage Rate and Solutions Advice | HST Rebate On New Homes Impact | War In Iran
Navigating the Real Estate Market in Uncertain Times: Insights and Strategies Are you feeling overwhelmed by the current state of the real estate market? You're not alone. Between escalating global tensions and a volatile bond market, the housing landscape is shifting beneath our feet. In this...
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The Cost of Hesitation: Rate Outlook, Global Inflation, and Buyer Strategies
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...
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The Economic Domino Effect: Bond Yields Spiking & The Millennial Market Shift
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...
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Global Uncertainty & Your Mortgage: Economic Climate, Reverse Mortgages & Consumer Confidence
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…
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Canadian Real Estate Pulse: What's Actually Happening with Rates, Rents, and Inflation
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…
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Private Mortgages, Inventory Trends & The Truth About The Recent Employment Report
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...
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Canadian Housing Market 2026: Renewals, Delinquencies & Insurance
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...
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Economic Struggles, Bank of Canada Insights, and Real Estate Readiness
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…
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Interest Rates, Population Shrinkage, & The Buyer's Market
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...
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Trend to "Right Size" Homes | Commercial Interests | Branding & Elite Service Offering | Generational Wealth Transfers
🎙️ 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…
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Stress Test Free Switch Fiasco | Major Bank Involved in Law Suit | Unemployment Rate Impacts | Tiffyboy: Santa or Scrooge?
📢 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…
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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
📢 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...
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Podcast Update | Trump Impacts on Canada and Beyond | Current Mortgage State and Rates | Reaching out for help
🌟 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...
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Unemployment Stats - True Meaning | Market Update - Months of Inventory | Temporary Workers - Impacts | Pointless 30 Year Am for New Builds and First TIme Homebuyers
🌟 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,...
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Future of Real Estate Agents and Mortgage Brokers | A BUILT Business on Social Media | Developing Your Brand
📢 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...
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New format - REALLY LIVE! | Increased Volumes | What will Tiffyboy do? | Inflation Report Recap | Appraisal Trends
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...
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Building a Brand and Business | Canadian June Unemployment Stats | The Current Housing Market | Tiffyboy and What He's Thinking for July
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.…
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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
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…
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Solo Again! | ADU's and Laneway Homes | Recent Employment Numbers | Bank of Canada's Rate Drop | Canadian Values CAN'T Drop!
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…
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The Power of Social Media | Partnerships and Referral Sources on Social Media | Authenticity and Relatability in Social Media Content
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...
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Real Estate Investing, Joint Ventures, Kingston Real Estate, Successful Student Rentals with René Masse
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...
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Current State and Future of Mortgage Broker Technology with Tom Hall, Co-Founder, Blu Mortgage!
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...
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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
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…
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Federal Budget Fallout | Rates. Up? Down? Sideways? | Death of the Middle Class | 3.9 Million Homes? | Now What?
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...
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Market Update - Housing is moving! | Halal Mortgages - Clarity | Stupid Things My Prime Minister Says | Housing Thoughts and Where We are Going
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…
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Guest Appearance with Bryan Braga, Mortgage Agent with The Financial Collective!
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…
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Monitor problems | Social Media Consultant | Market Chat | Employment Numbers | CMHC Predictions | Bond prices and fixed rates
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...
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Market Update - BIG Shifts! | Shameless Plugs on Programs: TFCMP.ca and PremierePartner.ca | Immigration Number CHANGES! | OSFI is ALIVE and Talking!
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....
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Market Talk | The B.O.C. Announcement - Now What? | Economy Worst Than Appears? | Rental Property Challenges
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…
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The B.O.C. Rate Announcement | Quarterly Bank Earnings | Turnover Rents Up HUGE! | First Timer Incentive Axed | Rate Talk
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...
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Personal Update | Inflation and Interest Rates | New Home Construction and Immigration | Fraud at HSBC
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...
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Personal Surgery Update | Roller Coaster Ride of Canadian Unemployment, US Inflation, and Tiffyboy Speaking | Mortgage Renewal Planning and Mortgage Planners
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...
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Personal Updates | Rate talk…now what? | International Students and AirBNBs | What I'm seeing with mortgages | Crazy stats around new Canadians and housing starts
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...
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Fun Mortgage Rates Talk | Foreclosures and Power of Sales | Immigration Change of Direction? | Federal Government Not Getting the Love
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…
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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
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…
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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?
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...
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SPECIAL EPISODE | Housing Hell - Video Review | Bank Quarterly Earnings | Loan Loss Provisions
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...
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Two topics: New Canada Mortgage Charter | October Inflation Report
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...
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My week and my injuries | Take Care Of Maya Chat | The B.O.C. Dilemma | Efficient Immigration
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...
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ABOUT THIS SHOW
Finance, life, business and everything in between! Reboot 2022! Brand new content with just myself gabbing away about the real estate world, personal stuff going on in my life, stories as an investor, and whatever else fits my fancy! Proudly sponsored by Top Consulting: topconsulting.ca
HOSTED BY
Stephen Green
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Frequently Asked Questions
How many episodes does The Green Effect Podcast have?
The Green Effect Podcast currently has 100 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The Green Effect Podcast about?
Finance, life, business and everything in between! Reboot 2022! Brand new content with just myself gabbing away about the real estate world, personal stuff going on in my life, stories as an investor, and whatever else fits my fancy! Proudly sponsored by Top Consulting: topconsulting.ca
How often does The Green Effect Podcast release new episodes?
The Green Effect Podcast has 100 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to The Green Effect Podcast?
You can listen to The Green Effect Podcast on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The Green Effect Podcast?
The Green Effect Podcast is created and hosted by Stephen Green.
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