Stephen Green Mortgages - The Financial Collective

06/25/2026

For the single-family segment specifically, it’s been 30 years since we’ve seen housing starts, excluding rentals, this low.

06/24/2026

Think you need 20% down to buy in Kitchener-Waterloo? 👀

On a $650K home, the minimum is ~$40K with an insured mortgage — not $130K. The catch is mortgage default insurance, which you can roll into the loan.

Save this before you talk yourself out of buying.

DM me “FIRST” and I’ll map out your real numbers. Links in bio.

Stephen Green, Mortgage Broker — The Financial Collective | Better Mortgage Choice, FSRA Lic. 13496

KWhomes

06/24/2026

Is Canada's housing market finally turning a corner? After a year of uncertainty, the early signs are worth paying attention to.

Home sales ticked up month-over-month for the first time in 2026, buyer and seller expectations are lining up again, and prices look to be stabilizing. For anyone planning to buy in the next year or two, that shift from "falling" to "steady" can make all the difference in your decision.

Wondering what today's market means for your plans? Let's chat.

https://breakingbank.media/ca/canadas-housing-market-may-finally-be-finding-its-footing/?ref=sgreen

For much of the past year, Canada's housing market has been defined by uncertainty. Buyers worried that prices could fall further. Sellers remained reluctant to adjust expectations after years of rapid appreciation. Economic headlines surrounding inflation, interest rates, trade disputes, and global...

06/23/2026

First Time Homebuyer Trends

06/23/2026

Three ways KW homeowners turn equity into usable cash — without selling 👇

1️⃣ HELOC — a home equity line of credit you draw from as needed
2️⃣ Refinance — roll equity into one new mortgage
3️⃣ Manulife One — combine mortgage, savings & income in one account

Each fits a different goal: renos, debt consolidation, or an investment. The right pick depends on your numbers.

Save this for renewal season. DM “EQUITY” and I’ll map out which option fits your situation.

Stephen Green, Mortgage Broker — The Financial Collective | Better Mortgage Choice, FSRA Lic. 13496

waterlooregion

06/23/2026

Bank of Canada has ONE job!

And yes, I am aware that current inflation rate is 3.2%. This video was created the day before the May 2026 report was released.

06/23/2026

Unsold inventory hits record highs

Developers for pulling back on condos and single-family construction given that they were
sitting on a record number of completed and unsold units in May, breaking through 20,000 for the first time ever.

06/22/2026

London St. Thomas:

What’s Selling?

06/22/2026

What does the latest Bank of Canada announcement mean for your money and the Canadian housing market?

On Season 6, Episode 13 of The Green Effect Podcast, we break down the central bank’s decision to hold interest rates steady and how that filters down to bank prime rates. We analyze why fixed rates are currently tied to the bond market rather than direct central bank moves, alongside an essential real estate update for Southwestern Ontario, Kitchener-Waterloo, and London.

From a looming supply crunch to the soaring monthly costs of everyday home maintenance—including a viral reality check on pool ownership, Under Armour gear, and inflated Costco runs—we cover what it truly costs to run a household today.

If your mortgage renewal is coming up, do not blindly sign. Reach out for a free secondary review.

Listen to the full episode on your favorite podcast app now.

06/22/2026

Bank of Canada:

How Do The Rates Work?