The Austin Yeh Newsletter — Canadian Real Estate & Mortgage Intelligence
Austin Yeh — Real Estate Newsletter
Canadian Mortgage & Real Estate Intelligence
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What you'll get every week

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Bank of Canada decisions decodedRates
What every rate hold, cut, or hike actually means for your mortgage
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Canadian housing market data — not opinionsHousing
Inventory, sales, prices, starts — the numbers behind the headlines
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Jobs, inflation & economic data that moves marketsEconomy
Why it matters for your mortgage, your property, and your next move
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Mortgage strategies most people never hear aboutStrategy
Smith Manoeuvre, Cash Damming, Debt Swap, Offset Mortgage — in plain English

Currently covering the March 2026 market — subscribe to get the most up-to-date issues as they come out.

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As Seen In
What's inside every issue
01
Real Data, Not Headlines
Unemployment rate, bond yields, housing starts, insolvency filings, mortgage origination data — the numbers that actually tell you what's happening, not what the news wants you to feel.
02
Bank of Canada Decoded
Every rate decision, press conference, and MPR translated into plain language with direct implications for your mortgage — whether you're variable, fixed, renewing, or considering a new purchase.
03
Strategies You Can Actually Use
Smith Manoeuvre, Cash Damming, Debt Swap, Offset Mortgage — practical structures explained in context, with real numbers. Not generic advice. Tactics for people who want to stop overpaying the bank.
From the archive — Issue 030

108,000 Full-Time Jobs Gone in Canada

March 23, 2026  ·  Economy & Rates

The Headline Number
Canada lost 83,900 jobs. But the real number is worse.
Economists expected +10,000 jobs. Instead, Canada shed 83,900 — the largest single-month decline in four years. But the headline understates the damage. Full-time private-sector employment fell by 108,000, spread across multiple industries.
Unemployment: 6.7%
What It Means for Rates
Why the Bank of Canada won't hike despite inflation fears
Markets are pricing in three rate hikes. But a Bank of Canada that raises rates into 84,000 job losses is a Bank of Canada that doesn't understand its own mandate. Here's the framework for what actually happens next...
BoC Rate: 2.25%
Mortgage Implications
Fixed vs. variable right now — the case for each
Bond yields spiked 50bps in 3 weeks on Iran conflict fears. Fixed rates followed. Variable is now 40bps cheaper. Here's the decision framework for someone renewing in the next 90 days...
Fixed ~4.00% · Variable ~3.60%

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