Episode 61: Variable vs Fixed (Explained) + The Land-Claim Mortgage Crisis Artwork

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Episode 61: Variable vs Fixed (Explained) + The Land-Claim Mortgage Crisis

November 05, 2025 • Alex Pang & Alex Shanks • Episode 61

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Rates fell 0.25—but fixed didn’t budge. Richmond’s land-title fight spooked lenders. Condo sales tanking in the GTA. CRA pays a $4.99M refund automatically(?!). BC Hydro bans new crypto-mining hookups. We break down what actually affects your mortgage today, how variable vs fixed really works, and the real-world fallout if lenders refuse renewals on contested land.

In this episode:
• Variable vs Fixed: why only one moved after the cut
• Adjustable vs fixed-payment variables (and how your payment changes)
• When to lock your variable into a fixed (signal to watch: bond yields)
• Richmond land claim → renewals, valuations, insurability
• GTA condo freeze, Amazon job-cut chatter, Chinese EV tariffs talk
• BC Hydro’s crypto/data-center limits & what that means for innovation
• Ontario’s proposed HST relief for first-time buyers (what it actually saves)

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