Is your variable rate mortgage actually safe? The Bank of Canada just made a move that every Canadian homeowner needs to know about and most people have no idea it's even happening.

In this episode of Make Money Count, Marcus and Justin break down the repo market, why hedge funds are flooding into Canadian bonds, and what all of this means for your mortgage rate. This isn't just financial noise, it directly affects what you pay every single month.

In This Episode:

• What the repo market actually is and why it matters to you
• Why hedge funds betting on Canadian interest rates is a massive red flag
• How this is similar to what happened in 2008 and why it could happen again
• The rare proactive move the Bank of Canada is making right now
• Why interest rates could spike even as the economy gets worse
• Fixed or variable? What Marcus and Justin would actually do right now Don't scroll past this one. Set aside 12 minutes and watch it from start to finish; your mortgage will thank you.

Is Canada’s condo market quietly breaking?

In this episode of Make Money Count, Marcus and Justin dive into the condo market, and what they uncover is hard to ignore. From record-low sales numbers to massive unsold inventory, the data tells a story most people aren’t talking about openly.

We break down:

• Why condo sales are hitting levels not seen since the early ’90s
• What oversupply really means for pricing in Toronto and beyond
• Why investors are stepping back instead of buying the dip
• The behind-the-scenes move involving banks, governments, and a potential billion-dollar fund
• How affordability (or the lack of it) impacts far more than just real estate prices

This episode isn’t about fear; it’s about facts, data, and understanding where the market may be headed next.

Listen till the end, this discussion goes places most condo conversations don’t.

In this episode of the Make Money Count Podcast, we break down how global events like war, rising oil prices, and inflation could impact mortgage rates in Canada.

Oil prices have already surged more than 20%, and markets are reacting fast. When energy prices rise, inflation often follows, and that can directly influence interest rates and mortgage costs.

So what does this mean for homeowners and anyone renewing their mortgage?

In this episode, we discuss:

✔ Why oil prices are suddenly surging ✔ How global conflicts affect inflation ✔ What rising bond yields mean for mortgage rates ✔ Whether fixed mortgage rates could increase again ✔ What Canadians should consider before renewing their mortgage

With Canada currently facing a massive mortgage renewal wave, the timing of these global events could have a real impact on homeowners.

Should you lock in your mortgage rate now? Could oil prices push inflation higher again? And what happens if oil hits $100 per barrel?

Listen to the full episode to understand how geopolitics, energy markets, and inflation could shape the future of mortgage rates.

Your mortgage is renewing, and it’s not going to feel like it did five years ago.

If you locked in a 1.39% -- 1.49% mortgage, your renewal could mean a $800–$1,000 jump in monthly payments. In this episode of Make Money Count, Marcus and Justin break down how mortgage renewals really work in today’s high-rate market, and how to optimize your decision instead of blindly accepting the bank’s offer.

• What mortgage renewals look like in 2026
• Real renewal numbers (before vs after rates)
• How re-amortizing can lower monthly payments
• Fixed vs variable: what actually makes sense right now
• Why 75% of Canadians break their mortgage early
• The hidden penalties banks don’t explain
• How economic signals, inflation, and the Bank of Canada influence mortgage rates

Mortgage renewal isn’t paperwork. It’s a financial strategy decision that can quietly cost, or save, you tens of thousands of dollars.

🎧 Listen to the full episode to learn how to renew smarter, not more expensive. Drop your renewal questions in the comments; we read them all.

In this episode of Make Money Count, we break down what’s really happening with interest rates, employment numbers, and inflation, and why Canada and the U.S. are taking completely different paths.

We unpack the latest unemployment data, bond yield signals, and CPI expectations, then compare the Bank of Canada’s “hold the line” approach with the U.S. strategy of cutting rates to fuel productivity and AI investment.

If you’re a homeowner, investor, or simply trying to understand where rates are headed, this conversation matters.

Listen to the full episode and decide for yourself: Who’s right — Canada or the U.S.?

What’s really going on with Jerome Powell, and why are global markets paying attention?

In this episode of Make Money Count, we break down the growing tension between the White House and the U.S. Federal Reserve, and why this story goes far beyond political drama. From legal pressure on Fed officials to concerns over central bank independence, this is a moment that could reshape interest rates, inflation, and investor confidence worldwide. We also explore why gold is hitting record highs, what history teaches us about political interference in monetary policy, and how all of this could eventually impact Canadian interest rates, mortgages, and the broader economy. If you’re trying to make sense of today’s market uncertainty, without the noise or headlines, this conversation connects the dots.

Make Money Count is back. 🎙️

After a short break, Marcus returns with a solo deep dive into where the Canadian economy truly stands as we enter the new year—and why the next phase may depend on a careful balancing act between the Bank of Canada and the federal government. This episode goes beyond headlines.

Marcus connects global political developments, energy markets, bond yields, and interest rates to explain how events outside Canada’s borders can still directly impact your mortgage, your investments, and the broader economy.

The Bank of Canada finally cut rates — but what does that really mean for homeowners? Marcus breaks down why this rate cut isn’t as simple as it sounds, and what Canadians should prepare for next.

Listen now for real talk on what’s ahead for your mortgage, inflation, and the economy.