Make Money Count

What’s Really Holding Back Rate Cuts?

Canada’s inflation rate just dropped to 1.7% — way below the Bank of Canada’s 2% target. So… why are we still waiting for rate cuts? In this episode of Make Money Count, Marcus & Justin break down why the BoC is hesitant to cut, what this means for homeowners and investors, and what smart mortgage moves you should be considering right now.

Toronto Housing: Are We Nearing a Crash or a Comeback?

In this episode, Marcus & Justin break down the data, trends, and real-world impact of the dramatic increase in inventory, slowing buyer demand, and falling condo prices.
From over 30,000 active listings to investors dumping units at below build cost, we uncover what’s going on behind the headlines.
📉 Are we heading for a crash, or is this just a long-overdue correction?
🏘️ Should you buy now, or wait it out?
🚪 What happens when immigration slows and pre-construction deals start collapsing?
Tune in for no-fluff insights from the Cannect team, where we prioritize facts over fear.

Don’t Let Your Bank Trick You at Renewal Time!

Are you renewing your mortgage this year with an alternative lender like Home Trust or Community Trust? Don’t just accept their first offer—you may have better options.
In this video, we break down what you should consider if:
You’re self-employed and hate paperwork
You want to borrow more for a renovation
You’re worried about higher rates
You’re unsure whether to refinance, renew, or switch lenders
At Cannect, we simplify the process. No sales pitch. Just honest advice, technology that makes it easier, and customized options laid out side-by-side so you can make the smartest move.

Mortgage Renewal TRICKS Banks Don't Want You To Know!

Mortgage renewal coming up? WATCH THIS FIRST.In this episode of Make Money Count, Marcus and Justin, both currently going through their mortgage renewals, share exactly what you need to know before signing that offer from your bank.
They break down: 
✔️ Why banks don't always have your back ✔️ How penalties really work ✔️ What to ask before renewing ✔️ Why you need a real advocate, not a bank employee ✔️ The smartest way to handle your mortgage in 2025
Thinking of switching from fixed to variable? Facing a renewal in the next 6–18 months? This video could save you thousands.
Get honest advice, learn from real scenarios, and don’t let the system take advantage of you.

Why Didn’t the Bank of Canada Cut Rates?

The Bank of Canada held steady—no rate cut in April. So what now?
In this episode of Make Money Count, we break down:
What the Bank of Canada said and what they really meant
Why March CPI numbers matter more than you think
How bond yields are guiding fixed-rate mortgages
And—most importantly—whether you should lock into a fixed or stick with a variable.
We’re still pro-variable. June and July cuts are likely, and the smart money is on flexibility. Watch to hear our full strategy—and maybe place a bet with us on the next rate cut.

Is Your Mortgage About to Get CHEAPER?

In this week’s episode, Marcus breaks down how new U.S. tariffs — yes, even the science fair-style ones — are impacting mortgage rates here in Canada. With five-year bond yields dropping, we’re seeing some of the most competitive fixed mortgage rates in recent memory. But with a possible Bank of Canada rate cut on April 16 and stagflation creeping in, what does it all mean for homebuyers, homeowners, and real estate investors?
- Are mortgage rates going down for good?
- Will this boost Canada’s cooling housing market?
- Should you go fixed or variable right now?

The People Behind Trump’s Tariffs

Welcome to another episode of Make Money Count!
This week, we're pulling back the curtain on Trump's trade policies—and it’s not just Trump calling the shots. Who's really influencing America's economic strategy?

Poilievre vs Carney: Who’ll Fix Canada?

Canada just got a new Prime Minister, but what does that mean for your finances, mortgage rates, and the country's economic future?
In this episode of Make Money Count, Marcus & Justin dive into: 
✅ How the leadership change might affect mortgage rates ✅ Pierre Poilievre’s growing popularity (and possible pitfalls) ✅ Canada's missed opportunities in trade, intellectual property, and economic strategy ✅ What borrowers, businesses, and investors should watch for next
Is Canada heading toward growth, or are we stuck in political and economic limbo?

Bank of Canada Reduces Prime Rate!

The Prime Rate Drops—But at What Cost? 
Canada’s prime rate just dropped by 25 basis points, and while that sounds like great news for borrowers, there’s more to the story. Tariff disputes, market instability, and new U.S. travel restrictions for Canadians could shake things up.
What does this mean for real estate?
Will lower rates boost the economy?
How do trade tensions impact your investments?

How Trudeau’s Surprise Move Changes Everything

Interest rates in Canada are falling faster than expected, but will this be enough to revive the real estate market? In this episode, we break down:
Toronto & Canadian Real Estate: The sales-to-new listings ratio is at 33%, active listings are up 76% YoY, and prices are dipping slightly. Are we officially in a buyer’s market?
Falling Interest Rates: BMO & RBC predict deeper rate cuts—what does this mean for mortgages and homebuyers?
Canadian Dollar Struggles: As the loonie takes a hit, what impact will this have on real estate and investments?
Auto Industry Gets a Reprieve: Will this short-term relief have long-term effects?
Trudeau’s Strategy & EI Reforms: The government is holding off on a short-term trade deal while economists push for Employment Insurance reforms—how could this reshape consumer spending?

Are Tariffs Just Empty Threats Now?

Major Economic Changes Ahead! What Does It Mean for You?
From Trump’s proposed tariffs to Canada’s Liberal leadership race, big shifts are happening that could impact your investments, mortgage rates, and cost of living. In this video, we break down:
Trump’s Tariffs: How a 25% import tax could shake Canada’s economy.
Liberal Leadership Race: What new policies could mean for housing and mortgages.
Mortgage & Investment Tips: How to stay ahead in uncertain times.

CPI Data DROPS! Will Your Mortgage Payments Go DOWN?

Will the Bank of Canada finally cut interest rates? The latest Consumer Price Index (CPI) numbers are out, and they could be signaling a major shift in the mortgage market.
In this episode, we break down:
What does the new CPI data mean for inflation and interest rates
How homeowners, buyers, and investors should react
Whether now is the time to lock in a mortgage or wait for lower rates
If you're a homeowner, mortgage holder, or investor, this episode is a must-watch. Stay ahead of the market and make smarter financial decisions!

Will Tariffs Send Inflation Out of Control?

In this episode of Make Money Count, we break down how U.S. tariffs are driving inflation and impacting the global economy.
We discuss:
✅ Why tariffs are pushing consumer prices higher
✅ The ripple effects on industries like auto manufacturing and healthcare
✅ What this means for Canadian businesses and homeowners
Plus, we analyze the Federal Reserve's stance and how these trade tensions could affect future interest rates.Wondering how this impacts your mortgage or investment decisions? Cannect is here to help.

Why Are People Leaving Toronto?

In this eye-opening episode of the Make Money Podcast, Toronto City Councillor Brad Bradford & Marcus discuss the city’s $18.8 billion budget, exposing hidden inefficiencies, mismanaged funds, and bureaucratic hurdles that are holding Toronto back.
 
What You’ll Learn:
The REAL reason behind Toronto’s skyrocketing property taxes
How the city mismanages over $30 billion in reserves
The truth about Toronto’s “deficit” (spoiler: it’s not what you think!)
Why vendors are avoiding city projects
Bold solutions for housing, transit, and public services
 
Brad shares his candid thoughts on Toronto’s culture of risk aversion, inefficient governance, and what needs to change for the city to thrive.

Will Tariffs Crush the Real Estate Market?

In this episode, Marcus & Justin discuss the far-reaching effects of U.S. tariffs on the global economy, particularly focusing on real estate and interest rates. From the aggressive tariff strategies under President Trump to the economic uncertainty that impacts markets, we break down how these policies could shape the future of real estate in North America.
We also discuss Canada’s role in U.S. trade, the growing pressure on Canadian industries, and why Canada needs to rethink its economic strategy to protect itself from unpredictable U.S. policies.
Key Topics:
How tariffs affect interest rates and real estate prices
Trump’s economic goals and their consequences for Canada
Canada’s reliance on U.S. trade and the need for change
The political and economic tension between the U.S. and Canada
Listen to the full episode for a deep dive into how international trade tensions are affecting your bottom line!

Bank of Canada Reduces Rates ahead of US Tariffs?

Welcome to this episode of Make Money Count!
The BoC lowered its key rate by 25 basis points, bringing the prime rate down to 5.2%—and more cuts are expected! What does this mean for homeowners, investors, and borrowers?
Variable vs. Fixed Rate Mortgages – Should you break your fixed rate?
HELOC & Line of Credit Rates Rising – What you need to know
Housing Market Outlook – Is now the right time to buy?
Canada’s Economic Future – What’s next for interest rates?
If you're thinking about switching to a variable rate or have a mortgage renewal coming up, now is the time to act! Contact us to find the best mortgage strategy for you.

Why Are Toronto's Taxes Skyrocketing?

Welcome to this episode of Make Money Count! Property tax hikes? New city fees? Toronto’s $1.5 billion budget deficit could have major implications for your finances. Don’t worry—we’ve got you covered. In this audio, Cannect’s experts explain how you can navigate these changes with ease.
Refinance smarter with Cannect’s mortgage options.
Make your money work harder with our investment solutions.

2025 Rates SHOCKING Prediction!

Welcome to this episode of Make Money Count!
Are you wondering where interest rates are headed in 2025? We’ve got you covered! In this episode, we break down:
What Canada’s major banks predict for interest rate changes
How global politics and potential U.S. tariffs could impact the economy
Tips for homeowners and investors to prepare for the shifts ahead
We simplify the complex financial news and provide actionable insights to help you navigate these changes with confidence.
Highlights from this episode:
Scotiabank and National Bank’s opposing forecasts
The economic drivers behind interest rate changes
How political shifts could influence Canadian monetary policy
Whether you’re managing a mortgage, considering investments, or planning your finances for the future, understanding these predictions and trends is essential.

How to Save Big on Your Mortgage Renewal

Are you approaching your mortgage renewal? Don’t settle for the first offer! In this episode of Make Money Count, we dive into:
Why mortgage lenders are fighting for your business.
Insider tips on how to get the best rates and terms.
The importance of understanding your options before you renew.
Get ahead of the rate wars and learn how to save thousands on your mortgage.

US-Canada Trade War: Is it Coming?

Is Trudeau’s political future at risk? What’s driving the U.S.’s surprising interest in Greenland? And how will Canada’s economy handle new trade tensions? Dive into this thought-provoking discussion as Marcus and Justin unpack the latest North American political and economic twists. Hear now to uncover the connections no one else is talking about!