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increasing over 60 percent compared with 4.48 Jump to 87.84
    PERCENT 60 percent
steve i'll let you answer this one since 3.6 Jump to 99.28
um i think as it's been over the last 12 4.4 Jump to 116.24
    DATE the last 12
to 18 months they've been able to do 3.839 Jump to 118.88
    DATE 18 months
looks like 12 months out from now 6.32 Jump to 147.52
    DATE 12 months
next one comes to us from niraj niraj 4.799 Jump to 180.8
kind of give two main examples i mean 3.92 Jump to 261.04
    CARDINAL two
the first is certainly 4.72 Jump to 263.199
    ORDINAL first
growth by 40 you know we were growing 5.439 Jump to 286.32
    CARDINAL 40
over 350 000 people per year one of the 5.44 Jump to 288.4
half a million well if you can't build 4.081 Jump to 291.759
    CARDINAL half a million
kind of just one example at the federal 3.12 Jump to 298.16
    CARDINAL one
and it's really one of the reasons why 4.399 Jump to 340.08
know 100 grand less than what they would 4.88 Jump to 426.0
    CARDINAL 100
have sold for two months ago uh so right 6.32 Jump to 427.599
    DATE two months ago
no one really kind of predicted that i 3.199 Jump to 441.28
certainly didn't but no one predicted 3.12 Jump to 442.96
five year market trades would be a four 3.521 Jump to 444.479
    DATE five year
    CARDINAL four
over the next six to nine months we're 3.199 Jump to 452.4
    DATE the next six to nine months
30 decline but certainly when they're 4.639 Jump to 459.28
    CARDINAL 30
when there were 15 and 20 offers on 3.519 Jump to 465.52
    CARDINAL 15 and 20
not going to see a 30 percent decline i 3.681 Jump to 470.479
    PERCENT 30 percent
mean if we did get that 30 decline we 3.92 Jump to 472.08
    CARDINAL 30
have we have first time buyers sort of 3.36 Jump to 474.16
    ORDINAL first
um but 30 is just going to get us back 4.321 Jump to 478.639
    CARDINAL 30
unfortunate news uh for first time 4.481 Jump to 487.599
    ORDINAL first
first-time buyers in this country uh 4.799 Jump to 492.08
    ORDINAL first
know 100 125 000 less than what they 4.641 Jump to 539.519
    CARDINAL 100 125
would have paid you know six to eight 3.839 Jump to 542.56
900 000 3.68 Jump to 568.48
that were listed at like 799 going for 5.2 Jump to 572.16
    CARDINAL 799
complex and they're being listed at 7.99 4.4 Jump to 579.2
    CARDINAL 7.99
with no offer dates and two weeks later 3.28 Jump to 581.76
    DATE two weeks later
going to sell for 780 785 so you know 6.0 Jump to 585.04
    CARDINAL 780 785
know basically four percent i think 3.6 Jump to 631.04
    PERCENT four percent
don't know if that's just five percent 3.439 Jump to 634.64
    PERCENT just five percent
rates that have moved from about two and 3.759 Jump to 646.64
    CARDINAL about two
a half percent to four percent in like 3.279 Jump to 648.56
    PERCENT a half percent to four percent
six or seven weeks i mean that's a 3.44 Jump to 650.399
    DATE six or seven weeks
45 days and i've got a mortgage rate at 5.12 Jump to 667.12
    DATE 45 days
3.2 percent i got to use it in 45 days 4.479 Jump to 669.6
    PERCENT 3.2 percent
    DATE 45 days
to be 4.2 percent 4.561 Jump to 674.079
    PERCENT 4.2 percent
to four percent in the fixed uh mortgage 6.08 Jump to 701.12
    PERCENT four percent
it's still about two obviously the 2.8 Jump to 744.32
    CARDINAL about two
rates tomorrow maybe 50 basis like your 4.24 Jump to 747.12
    DATE tomorrow
    CARDINAL 50
probably gonna get to two and a half 3.039 Jump to 751.36
    DATE two and a half
into locking in five-year fixed rates at 3.361 Jump to 762.399
    DATE five-year
four percent 2.96 Jump to 764.48
    PERCENT four percent
rates are going up you know four percent 3.92 Jump to 773.68
turns into five percent turns into six 3.44 Jump to 776.0
    PERCENT five percent
    CARDINAL six
way too high i mean eight rate hikes 3.201 Jump to 790.959
    CARDINAL eight
50 basis points but uh we shall see it's 5.12 Jump to 808.48
    CARDINAL 50
rushing at four percent i mean i 3.201 Jump to 837.839
    PERCENT four percent
wouldn't be rushing it at four percent i 3.6 Jump to 839.12
    PERCENT four percent
at what you know 200 basis like two full 4.0 Jump to 846.399
    CARDINAL 200
four century's above that so you're kind 3.52 Jump to 848.72
    DATE four century's
four percent anytime soon anyways so 4.56 Jump to 856.399
    PERCENT four percent
50 to 100 basis points over the next 3.36 Jump to 867.839
    CARDINAL 50 to 100
um you know if it's something like eight 4.241 Jump to 885.199
    CARDINAL eight
um okay let's move on this one comes to 5.921 Jump to 890.639
above the asking price so make it a 50 5.12 Jump to 902.8
this eight you know the one buyer who 3.281 Jump to 977.839
uh the one part one 4.32 Jump to 1001.12
    CARDINAL one
    CARDINAL one
and you know it's like okay five million 3.12 Jump to 1009.519
    CARDINAL five million
have 30 minutes to decide you got to 3.921 Jump to 1025.679
    TIME 30 minutes
an extra 5 or 10 grand at something if 4.0 Jump to 1031.12
    CARDINAL 5
    CARDINAL 10
ontario over the last like three four 3.521 Jump to 1044.079
    DATE the last like three four
you know over the last 18 to 24 months 3.519 Jump to 1049.52
    DATE the last 18 to 24 months
getting to four and we're starting to 2.721 Jump to 1053.039
    CARDINAL four
luck with that strategy in two or three 4.24 Jump to 1062.799
    CARDINAL two or three
um and this one's for john because this 4.08 Jump to 1092.0
single home is getting 15 offers um but 4.799 Jump to 1137.12
    CARDINAL 15
what what should come first it's like a 3.281 Jump to 1165.919
normally would sell first but that is 4.879 Jump to 1174.16
    ORDINAL first
not the norm like 95 of people in 5.36 Jump to 1176.72
    CARDINAL 95
toronto would buy first and then sell uh 5.681 Jump to 1179.039
    ORDINAL first
four weeks because the market could be 3.76 Jump to 1209.52
    DATE four weeks
already in four weeks so 3.84 Jump to 1213.28
    DATE four weeks
one to steve because i know he's talked 3.76 Jump to 1230.88
it's like still one of the most 3.04 Jump to 1295.2
    CARDINAL one
than they were like you know eight or 4.961 Jump to 1299.919
    CARDINAL eight
nine or ten years ago so 4.88 Jump to 1302.0
    DATE nine or ten years ago
i think i ultimately uh good four 4.48 Jump to 1304.88
    CARDINAL four
double in three years 4.4 Jump to 1322.24
    DATE three years
like a house goes from 500 to 485 like 6.0 Jump to 1340.64
    CARDINAL 500 to 485
this is the one that's coming up a lot 3.279 Jump to 1364.64
so i'm looking to buy a two-bedroom low 4.64 Jump to 1365.919
    CARDINAL two
rise in langley and i'm calling it 800 4.921 Jump to 1367.919
    CARDINAL 800
000 completion being in 4.881 Jump to 1370.559
    CARDINAL 000
2025. thanks in advance for all that you 4.28 Jump to 1372.84
    DATE 2025
project right like the first question 3.199 Jump to 1385.6
    ORDINAL first
down 20 deposit i think that's way too 3.76 Jump to 1400.24
    CARDINAL 20
one raising the cmhc limit from a 4.56 Jump to 1458.96
million to 1.25 could have been a big 6.88 Jump to 1461.12
    CARDINAL 1.25
one um any sort of taxes on investors uh 6.32 Jump to 1463.52
    CARDINAL one
bigger one you know not being able to 3.68 Jump to 1469.84
one that shared with a lot of people who 2.88 Jump to 1543.2
the government you know since what 2015. 5.281 Jump to 1550.559
    DATE 2015
since 2015 3.599 Jump to 1576.96
    DATE 2015
how you know seven years so anyways i 4.48 Jump to 1589.84
run down vancouver home which is four 4.0 Jump to 1666.24
    CARDINAL four
point something million dollars today 3.439 Jump to 1668.24
    MONEY million dollars
    DATE today
100 i mean and i think even if the 4.08 Jump to 1735.12
    CARDINAL 100
that i'm skeptical one person can fix 4.239 Jump to 1791.44
    CARDINAL one