[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @ronmortgageguy Ron Butler The Bank of Canada has cut interest rates to 2.25%, causing variable mortgage rates to decrease, but fixed mortgage rates may increase. Governor Tiff Macklem stated that this is likely the last rate cut for now, leading to a surge in bond yields. This change may impact Canadians' financial situations, including those with mortgages and lines of credit. ### Engagements: XXXXXX [#](/creator/twitter::182910373/interactions)  - X Week XXXXXXX -XXXX% - X Month XXXXXXXXX +5.40% - X Months XXXXXXXXXX -XX% - X Year XXXXXXXXXX -X% ### Mentions: XX [#](/creator/twitter::182910373/posts_active)  - X Week XX -XX% - X Month XXX +6.60% - X Months XXX +6.20% - X Year XXXXX -XX% ### Followers: XXXXXXX [#](/creator/twitter::182910373/followers)  - X Week XXXXXXX +0.38% - X Month XXXXXXX +2.60% - X Months XXXXXXX +9.50% - X Year XXXXXXX +29% ### CreatorRank: XXXXXXX [#](/creator/twitter::182910373/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) #4246 [countries](/list/countries) XXXX% [gaming](/list/gaming) XXXX% [travel destinations](/list/travel-destinations) XXXX% **Social topic influence** [canada](/topic/canada) #2332, [bank](/topic/bank) #2717, [ron](/topic/ron) #303, [if you](/topic/if-you) 4%, [money](/topic/money) 2.67%, [inflation](/topic/inflation) #54, [mortgage rate](/topic/mortgage-rate) #8, [toronto](/topic/toronto) 2.67%, [bank of](/topic/bank-of) 2.67%, [$10m](/topic/$10m) XXXX% **Top accounts mentioned or mentioned by** [@wealthmoose](/creator/undefined) [@wowacanada](/creator/undefined) [@mikalskuterud](/creator/undefined) [@manybeenrinsed](/creator/undefined) [@seacatsrock](/creator/undefined) [@permalurka](/creator/undefined) [@marvinwise83638](/creator/undefined) [@drdillwood](/creator/undefined) [@malekramdani](/creator/undefined) [@thomaswatsoncd](/creator/undefined) [@shewch5](/creator/undefined) [@jcoletta001](/creator/undefined) [@kb2f7tdbgx](/creator/undefined) [@jatinde75402343](/creator/undefined) [@chintan_2025](/creator/undefined) [@tankiesftw](/creator/undefined) [@casinobonusguy](/creator/undefined) [@quik604silver](/creator/undefined) [@settle8122](/creator/undefined) [@prostheticleg3](/creator/undefined) ### Top Social Posts Top posts by engagements in the last XX hours "Crime Pays In Canada: The X iPro Real Estate Crooks CONFESSED About Stealing $10M Where are the Cops Why have they not been charged Sure the Province took over RECO as they should have But steal $10M & just walk away We are a crazy country" [X Link](https://x.com/ronmortgageguy/status/1994819694210289919) 2025-11-29T17:24Z 104.7K followers, 80.7K engagements "This down cycle starting in 2022 may be worse The price to income ratios were no where near 12X at the 1989 GTA Real Estate peak This can be a longer deeper price reduction cycle" [X Link](https://x.com/ronmortgageguy/status/1996222776609304950) 2025-12-03T14:19Z 104.7K followers, 7167 engagements "Communists Want To Keep Spending Other People's Money & The Rich Have More Money So" [X Link](https://x.com/ronmortgageguy/status/1996265592056135932) 2025-12-03T17:09Z 104.7K followers, 41.5K engagements "Possibly The Best News Today If Only It Was 168000 public servants" [X Link](https://x.com/ronmortgageguy/status/1996363365309161779) 2025-12-03T23:38Z 104.7K followers, 91.4K engagements "Another Day Another Bank Consolidation: Canada With Few Banks Wants To Have Fewer Just a couple of days after the Fairstone purchase of Laurentian Bank Equitable Bank aquires PC Financial from Loblaws It's a smaller transaction but meaningful It shows a pattern 2/" [X Link](https://x.com/ronmortgageguy/status/1996588530194072040) 2025-12-04T14:32Z 104.7K followers, 27.6K engagements "Jobs Reports inflation worries Japanese Bonds A whole bunch of things from factual to fleeting came together this week to pump X - Yr & X - Yr Canada Bond Yields up almost XX% XX% in a week is like a bomb going off in Bond World Mortgage Rates must go up next week 3/" [X Link](https://x.com/ronmortgageguy/status/1996962072605683884) 2025-12-05T15:17Z 104.7K followers, 15K engagements "If The Employment Numbers Worsen Will The Prime Minister Take The Blame I am serious The Prime Minister is taking the Credit for Employment gains (all part time & seasonal adjustments) So later this year when Unemployment hits XXX% will he apologize & admit total failure" [X Link](https://x.com/ronmortgageguy/status/1997019959654744272) 2025-12-05T19:07Z 104.7K followers, 58.9K engagements "When You're Wrong Your Wrong: I Said No Carney Government Would Ever Approve A New Pipeline In Canada Well. It's approved lots more to do but it's a start If you're a rational human admit when you're wrong" [X Link](https://x.com/ronmortgageguy/status/1994117035366797517) 2025-11-27T18:52Z 104.6K followers, 139.6K engagements "Brampton House Prices Down XX% From Peak: Will It Go Lower Why Did It Happen The TRREB system says Brampton house prices have fallen XX% from Feb 2022 to October 2025 $1.346M to $934K That's a shit ton of losses likely another XX% to XX% more to go WTF Happened 2/" [X Link](https://x.com/ronmortgageguy/status/1994410395633651961) 2025-11-28T14:17Z 104.6K followers, 146.1K engagements "Ultra profitable: 3200 sqft Single Family with XX people X $XXX = $12K a month And Fake Income Documents help get the mortgage Students down XX% = Total Bust More Power of Sales to come in 2026 means another XX% to XX% of price reductions Yeah some XX% loss disasters" [X Link](https://x.com/ronmortgageguy/status/1994410407348375587) 2025-11-28T14:17Z 104.6K followers, 10.8K engagements "Mayors & Councils Are Crazy In Ontario: They Have Blown Up Taxes & Development Charges So Massively They Killed All Development Toronto Mayor Chow is so proud of over charging & over taxing on New Homes that she brought all New Residential Construction to an END Zero fees now" [X Link](https://x.com/ronmortgageguy/status/1994474358056562951) 2025-11-28T18:31Z 104.6K followers, 34.9K engagements "My Endless Rant About Mortgage Renewals: Getting A Lower Rate Is EASY I have to keep shouting about this stuff constantly XX days before your Renewal just make a few calls Visit a website like just knowing current rates will get you a better deal" [X Link](https://x.com/ronmortgageguy/status/1995172402121363648) 2025-11-30T16:45Z 104.6K followers, 82.5K engagements "Bank Of Canada Announcement In X Days: Absolutely No One Should Spend Another Second Thinking About This IT'S NO CHANGE Oh & it's No Change at the January Announcement as well You don't need to see a single chart or graph or read any report for the next X months NO CHANGE 2/" [X Link](https://x.com/ronmortgageguy/status/1995508688883425310) 2025-12-01T15:02Z 104.6K followers, 67.6K engagements "Why can I be so certain Because Bank of Canada Governor Tiff Macklem TOLD US That's why I am exhausted by all the pondering discussions & expert opinions STFU about the Bank of Canada until April 2026 Then we can start to consider what's going to happen next at BoC 3/" [X Link](https://x.com/ronmortgageguy/status/1995508691836317922) 2025-12-01T15:02Z 104.6K followers, 12K engagements "But we are not in full "Shit-scared" economic mode yet So no change for a few months And then more cuts But not now not January 2026 or even March 2026 But eventually cuts" [X Link](https://x.com/ronmortgageguy/status/1995508702259171455) 2025-12-01T15:02Z 104.6K followers, 11.1K engagements "One LESS Bank In Canada Laurentian Bank Is Sold Fairstone Bank Aquires More Bank Assets In Canada One more step in Bank Consolidation leaving Canadians with fewer choices & less competition That said: Laurentian was done like dinner Although solvent it was finished 2/" [X Link](https://x.com/ronmortgageguy/status/1995868482978939079) 2025-12-02T14:51Z 104.6K followers, 43.8K engagements "@kb2f7tdbgx @WOWA_Canada Under certain circumstances the potential new lender does not have to apply the Stress Test to the Transfer of the Mortgage But yes the new lender studies the income credit etc" [X Link](https://x.com/ronmortgageguy/status/1996354562282922299) 2025-12-03T23:03Z 104.6K followers, 2147 engagements "@seacatsrock @WOWA_Canada Pay it off You're so close to the end just stick with Variable" [X Link](https://x.com/ronmortgageguy/status/1996358407247524092) 2025-12-03T23:18Z 104.6K followers, 2525 engagements "@market_man22 @WOWA_Canada Prime less 1.15%" [X Link](https://x.com/ronmortgageguy/status/1996467250178748862) 2025-12-04T06:30Z 104.6K followers, 1143 engagements "@ManyBeenRinsed Randy has issued a public apology" [X Link](https://x.com/ronmortgageguy/status/1996635171442118995) 2025-12-04T17:38Z 104.6K followers, 1134 engagements "@permalurka XXXX isn't awful but not good" [X Link](https://x.com/ronmortgageguy/status/1996993217019920739) 2025-12-05T17:20Z 104.7K followers, XXX engagements "@MichaelAArouet Abortion" [X Link](https://x.com/ronmortgageguy/status/1996619396660523037) 2025-12-04T16:35Z 104.7K followers, 7164 engagements "Why Would This Be Murky Why Isn't It Incredibly Simple: Temporary Student Means When You Graduate YOU GO HOME If you graduate & there is no path to PR status just go home We're sorry most of you were tricked by evil Community Colleges but it's done now" [X Link](https://x.com/ronmortgageguy/status/1995962076158984226) 2025-12-02T21:03Z 104.7K followers, 91.5K engagements "EQ Bank is already a digital consumer facing entity Adding PC Optimum Loyalty to EQ's offering could be a real boost But one less Financial Service alternative for Canadians Let's hope Wealthsimple joins Questrade as a new Bank soon More choice is better" [X Link](https://x.com/ronmortgageguy/status/1996588541896180030) 2025-12-04T14:32Z 104.7K followers, 6629 engagements "@Adam_Tang Don't short any Canadian Banks" [X Link](https://x.com/ronmortgageguy/status/1996604953012445506) 2025-12-04T15:38Z 104.7K followers, 16.3K engagements "If You're Looking For X Or X Year Fixed Rates: Make A Call To The Lender TODAY If you are interested in Fixed Rates & have been in the middle of negotiating a Renewal or Purchase Call the Lender or Broker TODAY & lock the rate in Because X & X Year Bond Yields just BLEW UP 2/" [X Link](https://x.com/ronmortgageguy/status/1996962070667932121) 2025-12-05T15:17Z 104.7K followers, 61.6K engagements "Housing Minister Gregor Robertson Sent His Staff To A Conference On Homelessness $97K Taxpayer's money: Flights Meals Hotel for X nights to gain AWARENESS of Homelessness Save Taxpayer's money put on your coats & get outside & SPEAK WITH THE HOMELESS They're happy to talk" [X Link](https://x.com/ronmortgageguy/status/1997340868395569387) 2025-12-06T16:22Z 104.7K followers, 47.7K engagements "GTA Home Prices Just Keep Falling: XX Straight Months Of DOWN What's going on Maybe the answer is simple GTA House prices are still Batshit Crazy & Unaffordable for most people I bought a house in 1996 in Mississauga for 3.8X Average Family Income it's 9X today 2/" [X Link](https://x.com/ronmortgageguy/status/1996222765758619882) 2025-12-03T14:19Z 104.7K followers, 30.7K engagements "If Your Mortgage Is Renewing In The Next Year: READ THIS I post this alot but @WOWA_Canada does deep statistical dives & there is a BIG difference between the "Starting" Rate Offer & what's available if you fight for best rate Start your Renewal Research BEFORE the Bank calls" [X Link](https://x.com/ronmortgageguy/status/1996304424742904143) 2025-12-03T19:43Z 104.7K followers, 143.6K engagements "Pure Madness From Randy The Real Estate Agent: Most Out Of Line Video This Year JUST FRIGGING NUTS Salespeople can put the best possible spin on a marketplace but are Real Estate people allowed to say things that would cause them to lose their license if they sold Securities" [X Link](https://x.com/ronmortgageguy/status/1996623622535041199) 2025-12-04T16:52Z 104.7K followers, 48.6K engagements "A Country Dissolves By Small Steps: Well Meaning Fools Expand Land Acknowledgement The City of Toronto will add Land Reparations to it's official policy When all Canadians face a real threat to our economy Useful Idiots encourage endless lawsuits to destroy property rights" [X Link](https://x.com/ronmortgageguy/status/1996704434563477977) 2025-12-04T22:13Z 104.7K followers, 60.8K engagements "Should We Believe The Reports The Canadian Government Agencies Shovel Out Jobs Numbers Inflation Numbers Economic Growth Numbers Because often they seem to be the opposite of our lived experience I get I am sorta a Doom Scroller & don't want to be wrong But it's odd 2/" [X Link](https://x.com/ronmortgageguy/status/1997688635911774586) 2025-12-07T15:24Z 104.7K followers, 20.7K engagements "Many reports of Plant Closures Mass Layoff most small business NOT Hiring How the hell does the Unemployment Rate improve In the US they fired the person in charge of the these reports because the revisions reached the point no one believed the data" [X Link](https://x.com/ronmortgageguy/status/1997688638210261212) 2025-12-07T15:24Z 104.7K followers, 5125 engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@ronmortgageguy Ron Butler
The Bank of Canada has cut interest rates to 2.25%, causing variable mortgage rates to decrease, but fixed mortgage rates may increase. Governor Tiff Macklem stated that this is likely the last rate cut for now, leading to a surge in bond yields. This change may impact Canadians' financial situations, including those with mortgages and lines of credit.
Engagements: XXXXXX #
- X Week XXXXXXX -XXXX%
- X Month XXXXXXXXX +5.40%
- X Months XXXXXXXXXX -XX%
- X Year XXXXXXXXXX -X%
Mentions: XX #
- X Week XX -XX%
- X Month XXX +6.60%
- X Months XXX +6.20%
- X Year XXXXX -XX%
Followers: XXXXXXX #
- X Week XXXXXXX +0.38%
- X Month XXXXXXX +2.60%
- X Months XXXXXXX +9.50%
- X Year XXXXXXX +29%
CreatorRank: XXXXXXX #
Social Influence
Social category influence finance #4246 countries XXXX% gaming XXXX% travel destinations XXXX%
Social topic influence canada #2332, bank #2717, ron #303, if you 4%, money 2.67%, inflation #54, mortgage rate #8, toronto 2.67%, bank of 2.67%, $10m XXXX%
Top accounts mentioned or mentioned by @wealthmoose @wowacanada @mikalskuterud @manybeenrinsed @seacatsrock @permalurka @marvinwise83638 @drdillwood @malekramdani @thomaswatsoncd @shewch5 @jcoletta001 @kb2f7tdbgx @jatinde75402343 @chintan_2025 @tankiesftw @casinobonusguy @quik604silver @settle8122 @prostheticleg3
Top Social Posts
Top posts by engagements in the last XX hours
"Crime Pays In Canada: The X iPro Real Estate Crooks CONFESSED About Stealing $10M Where are the Cops Why have they not been charged Sure the Province took over RECO as they should have But steal $10M & just walk away We are a crazy country"
X Link 2025-11-29T17:24Z 104.7K followers, 80.7K engagements
"This down cycle starting in 2022 may be worse The price to income ratios were no where near 12X at the 1989 GTA Real Estate peak This can be a longer deeper price reduction cycle"
X Link 2025-12-03T14:19Z 104.7K followers, 7167 engagements
"Communists Want To Keep Spending Other People's Money & The Rich Have More Money So"
X Link 2025-12-03T17:09Z 104.7K followers, 41.5K engagements
"Possibly The Best News Today If Only It Was 168000 public servants"
X Link 2025-12-03T23:38Z 104.7K followers, 91.4K engagements
"Another Day Another Bank Consolidation: Canada With Few Banks Wants To Have Fewer Just a couple of days after the Fairstone purchase of Laurentian Bank Equitable Bank aquires PC Financial from Loblaws It's a smaller transaction but meaningful It shows a pattern 2/"
X Link 2025-12-04T14:32Z 104.7K followers, 27.6K engagements
"Jobs Reports inflation worries Japanese Bonds A whole bunch of things from factual to fleeting came together this week to pump X - Yr & X - Yr Canada Bond Yields up almost XX% XX% in a week is like a bomb going off in Bond World Mortgage Rates must go up next week 3/"
X Link 2025-12-05T15:17Z 104.7K followers, 15K engagements
"If The Employment Numbers Worsen Will The Prime Minister Take The Blame I am serious The Prime Minister is taking the Credit for Employment gains (all part time & seasonal adjustments) So later this year when Unemployment hits XXX% will he apologize & admit total failure"
X Link 2025-12-05T19:07Z 104.7K followers, 58.9K engagements
"When You're Wrong Your Wrong: I Said No Carney Government Would Ever Approve A New Pipeline In Canada Well. It's approved lots more to do but it's a start If you're a rational human admit when you're wrong"
X Link 2025-11-27T18:52Z 104.6K followers, 139.6K engagements
"Brampton House Prices Down XX% From Peak: Will It Go Lower Why Did It Happen The TRREB system says Brampton house prices have fallen XX% from Feb 2022 to October 2025 $1.346M to $934K That's a shit ton of losses likely another XX% to XX% more to go WTF Happened 2/"
X Link 2025-11-28T14:17Z 104.6K followers, 146.1K engagements
"Ultra profitable: 3200 sqft Single Family with XX people X $XXX = $12K a month And Fake Income Documents help get the mortgage Students down XX% = Total Bust More Power of Sales to come in 2026 means another XX% to XX% of price reductions Yeah some XX% loss disasters"
X Link 2025-11-28T14:17Z 104.6K followers, 10.8K engagements
"Mayors & Councils Are Crazy In Ontario: They Have Blown Up Taxes & Development Charges So Massively They Killed All Development Toronto Mayor Chow is so proud of over charging & over taxing on New Homes that she brought all New Residential Construction to an END Zero fees now"
X Link 2025-11-28T18:31Z 104.6K followers, 34.9K engagements
"My Endless Rant About Mortgage Renewals: Getting A Lower Rate Is EASY I have to keep shouting about this stuff constantly XX days before your Renewal just make a few calls Visit a website like just knowing current rates will get you a better deal"
X Link 2025-11-30T16:45Z 104.6K followers, 82.5K engagements
"Bank Of Canada Announcement In X Days: Absolutely No One Should Spend Another Second Thinking About This IT'S NO CHANGE Oh & it's No Change at the January Announcement as well You don't need to see a single chart or graph or read any report for the next X months NO CHANGE 2/"
X Link 2025-12-01T15:02Z 104.6K followers, 67.6K engagements
"Why can I be so certain Because Bank of Canada Governor Tiff Macklem TOLD US That's why I am exhausted by all the pondering discussions & expert opinions STFU about the Bank of Canada until April 2026 Then we can start to consider what's going to happen next at BoC 3/"
X Link 2025-12-01T15:02Z 104.6K followers, 12K engagements
"But we are not in full "Shit-scared" economic mode yet So no change for a few months And then more cuts But not now not January 2026 or even March 2026 But eventually cuts"
X Link 2025-12-01T15:02Z 104.6K followers, 11.1K engagements
"One LESS Bank In Canada Laurentian Bank Is Sold Fairstone Bank Aquires More Bank Assets In Canada One more step in Bank Consolidation leaving Canadians with fewer choices & less competition That said: Laurentian was done like dinner Although solvent it was finished 2/"
X Link 2025-12-02T14:51Z 104.6K followers, 43.8K engagements
"@kb2f7tdbgx @WOWA_Canada Under certain circumstances the potential new lender does not have to apply the Stress Test to the Transfer of the Mortgage But yes the new lender studies the income credit etc"
X Link 2025-12-03T23:03Z 104.6K followers, 2147 engagements
"@seacatsrock @WOWA_Canada Pay it off You're so close to the end just stick with Variable"
X Link 2025-12-03T23:18Z 104.6K followers, 2525 engagements
"@market_man22 @WOWA_Canada Prime less 1.15%"
X Link 2025-12-04T06:30Z 104.6K followers, 1143 engagements
"@ManyBeenRinsed Randy has issued a public apology"
X Link 2025-12-04T17:38Z 104.6K followers, 1134 engagements
"@permalurka XXXX isn't awful but not good"
X Link 2025-12-05T17:20Z 104.7K followers, XXX engagements
"@MichaelAArouet Abortion"
X Link 2025-12-04T16:35Z 104.7K followers, 7164 engagements
"Why Would This Be Murky Why Isn't It Incredibly Simple: Temporary Student Means When You Graduate YOU GO HOME If you graduate & there is no path to PR status just go home We're sorry most of you were tricked by evil Community Colleges but it's done now"
X Link 2025-12-02T21:03Z 104.7K followers, 91.5K engagements
"EQ Bank is already a digital consumer facing entity Adding PC Optimum Loyalty to EQ's offering could be a real boost But one less Financial Service alternative for Canadians Let's hope Wealthsimple joins Questrade as a new Bank soon More choice is better"
X Link 2025-12-04T14:32Z 104.7K followers, 6629 engagements
"@Adam_Tang Don't short any Canadian Banks"
X Link 2025-12-04T15:38Z 104.7K followers, 16.3K engagements
"If You're Looking For X Or X Year Fixed Rates: Make A Call To The Lender TODAY If you are interested in Fixed Rates & have been in the middle of negotiating a Renewal or Purchase Call the Lender or Broker TODAY & lock the rate in Because X & X Year Bond Yields just BLEW UP 2/"
X Link 2025-12-05T15:17Z 104.7K followers, 61.6K engagements
"Housing Minister Gregor Robertson Sent His Staff To A Conference On Homelessness $97K Taxpayer's money: Flights Meals Hotel for X nights to gain AWARENESS of Homelessness Save Taxpayer's money put on your coats & get outside & SPEAK WITH THE HOMELESS They're happy to talk"
X Link 2025-12-06T16:22Z 104.7K followers, 47.7K engagements
"GTA Home Prices Just Keep Falling: XX Straight Months Of DOWN What's going on Maybe the answer is simple GTA House prices are still Batshit Crazy & Unaffordable for most people I bought a house in 1996 in Mississauga for 3.8X Average Family Income it's 9X today 2/"
X Link 2025-12-03T14:19Z 104.7K followers, 30.7K engagements
"If Your Mortgage Is Renewing In The Next Year: READ THIS I post this alot but @WOWA_Canada does deep statistical dives & there is a BIG difference between the "Starting" Rate Offer & what's available if you fight for best rate Start your Renewal Research BEFORE the Bank calls"
X Link 2025-12-03T19:43Z 104.7K followers, 143.6K engagements
"Pure Madness From Randy The Real Estate Agent: Most Out Of Line Video This Year JUST FRIGGING NUTS Salespeople can put the best possible spin on a marketplace but are Real Estate people allowed to say things that would cause them to lose their license if they sold Securities"
X Link 2025-12-04T16:52Z 104.7K followers, 48.6K engagements
"A Country Dissolves By Small Steps: Well Meaning Fools Expand Land Acknowledgement The City of Toronto will add Land Reparations to it's official policy When all Canadians face a real threat to our economy Useful Idiots encourage endless lawsuits to destroy property rights"
X Link 2025-12-04T22:13Z 104.7K followers, 60.8K engagements
"Should We Believe The Reports The Canadian Government Agencies Shovel Out Jobs Numbers Inflation Numbers Economic Growth Numbers Because often they seem to be the opposite of our lived experience I get I am sorta a Doom Scroller & don't want to be wrong But it's odd 2/"
X Link 2025-12-07T15:24Z 104.7K followers, 20.7K engagements
"Many reports of Plant Closures Mass Layoff most small business NOT Hiring How the hell does the Unemployment Rate improve In the US they fired the person in charge of the these reports because the revisions reached the point no one believed the data"
X Link 2025-12-07T15:24Z 104.7K followers, 5125 engagements