List of Key Topics & Time Stamp (minute:second)

Intro
0:00 – Introduction
3:00 – Agenda

PART 1
3:47 – Key rates that impact the economy and housing
4:21 – Overnight rate, prime rate, Bank of Canada impact
8:50 – Variable rates, trigger rates, trigger points
12:03 – Fixed rates (short, med, long term)
12:57 – Insured vs. conventional rates and definitions
13:50 – Qualifying / stress test rates and examples

PART 2
14:58 – Forecasting rates
15:07 – Variable rate forecasting – what to expect in 2023/2024?
19:05 – U.S. impact on rates in Canada
22:06 – Fixed rate forecasting and what drives fixed rates
25:57 – Key economic indicators (and reporting dates) to watch
28:08 – Yield curve – what it is and why it matters

PART 3
29:50 – Potential impact of unexpected events on rates/economy
32:00 – Silicon Valley Bank (SVB) collapse & impact on bond yields
33:39 – Government impact on mortgage rates and the housing market
34:45 – 15-year history of mortgage rule changes and impact on the market
35:45 – 2007 to 2010 (rule changes, prime rates, TRREB average prices)
38:08 – 2011 to 2014 (rule changes, prime rates, TRREB average prices)
39:59 – 2015 to 2018 (rule changes, prime rates, TRREB average prices)
41:29 – 2019 to 2023 (rule changes, prime rates, TRREB average prices)

Closing Remarks
43:42 – Thank you & closing remarks