The Last Honest Realtor
Welcome to The Last Honest Realtor, your exclusive, behind-the-scenes pass to the twists and turns of the Toronto real estate market. Hosted by David Fleming of Toronto Realty Group, this podcast offers an unprecedented look behind the curtain, presenting the local real estate scene with a mix of unapologetic honesty and entertaining cynicism.
David doesn’t just talk real estate—he lives it. With years of experience under his belt, he's here to share the unvarnished truth about what it really takes to buy or sell in Toronto. From the big wins to the frustrating pitfalls, get ready for a behind-the-scenes journey that promises both information and entertainment.
Whether you’re a first-time homebuyer, a seasoned investor, or just a real estate enthusiast, David's insights will equip you with the knowledge you need to navigate the market. Expect practical advice on everything from staging and junk removal to listing and making the sale.
Tune in to The Last Honest Realtor and experience Toronto real estate like never before. Be informed, be entertained, and most importantly, be ready to see the industry through the eyes of someone who can handle any challenge the market throws his way.
The Last Honest Realtor
Ep. 27 - Fixed vs. Variable: Navigating Toronto’s Mortgage Market in 2025
Host 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 2025
- Fixed vs. variable mortgages: Which is right for you?
- How CMHC’s new $1.5M insured mortgage cap and 30-year amortization policy changes the game
- Strategies for managing cash flow as an investor
- Why Canada’s mortgage stress test could be overdue for reform
Timestamps:
00:00 - Introduction
00:05 - Meet Tony Della Sciucca: Toronto mortgage expert
01:00 - Why interest rates are driving today’s real estate decisions
10:15 - Fixed vs. variable rates: The pros and cons
20:30 - CMHC’s policy changes: What you need to know
30:20 - How investors can navigate today’s market challenges
45:50 - Why removing the stress test could boost affordability
55:10 - Predictions for mortgage rates in 2025
Don’t Miss:
- Tony’s advice for first-time buyers trying to balance risk and stability
- David’s perspective on why investors should prepare for a market rebound
- A lively debate on whether Toronto is becoming a renters-only city
Subscribe 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!
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