In this episode, we begin with a welcome and a market overview, followed by a sponsor message from Real Approved Inc. The discussion moves to Southern Ontario's home sales and the associated losses, offering insights into current market conditions. We delve into the influence of Canadian bond yields and other economic factors on the real estate sec…

Learn the secrets to buying investment properties with little or no down payments in Ontario. This class is Module 25 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: What are the loans you use to invest in real estate with little or no down payment? What are the real estate investing strategies you can…

In this episode, we start with an introduction and an overview of Butler Mortgage, followed by a sponsor message from Real Approved Inc. We discuss the different types of mortgages offered by Butler Mortgage and examine some potential cons associated with them. The episode highlights customer satisfaction levels and outlines the eligibility require…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We discuss expectations surrounding the Bank of Canada's potential rate cut and analyze February's employment data. The episode examines market reactions, industry-specific impacts, and the influence of U.S. tariffs. We look ahead to the…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We discuss Rocket Mortgage's exit from the Canadian market and the challenges faced by non-bank lenders. The episode examines government policies and their impact on mortgage competition and rates. We explore mortgage delinquencies in re…

In this episode, we begin with an introduction and an overview of the latest trends in Toronto's real estate market. A sponsor message from Real Approved Inc. follows. We then explore credit-driven exuberance and provide a detailed market analysis. The episode delves into recent policy changes by the Canada Mortgage and Housing Corporation (CMHC) a…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We discuss Rocket Mortgage Canada's exit from the market and the support extended to affected employees. The episode covers the decline in Toronto real estate sales and its economic impact, alongside real estate pricing trends amidst the…

In this episode, we start with an introduction and a sponsor mention. We discuss the recent drop in home sales and the evolving real estate market dynamics in the Greater Toronto Area. Economic factors influencing borrowing costs in February 2025 are analyzed, alongside the impact of mortgage rates on households and the prevailing economic uncertai…

In this episode, we delve into the impact of tariffs on the Canadian economy and housing market, featuring RBC's insights on the economic turbulence. We discuss a federal housing announcement, Calgary's home sales, and housing initiatives in Georgina. Updates on the National Housing Strategy are provided, along with a Zoocasa report on the renting …

In this episode, we begin with an introduction and a sponsor mention. We delve into Canada's housing supply challenges, featuring insights from a CMHC report. The discussion covers affordable housing costs and the impact of immigration on housing needs. We examine the implications of US tariffs on Canadian housing and recent government announcement…

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We explore Canadians' expectations regarding mortgage payments and the growing popularity of longer amortization periods. The discussion highlights the financial strain on mortgage holders, leading to spending adjustments and changes in living arrangements.…

In this episode, we begin with a welcome and introduction. We discuss the current state of economic growth and the potential response from the Bank of Canada. The conversation turns to Toronto's condo market, highlighting challenges and appraisal issues. We address the rising mortgage delinquency rates in Ontario and explore how developers are now …

Learn the secrets to eliminating or, at least, mitigating the risks when investing in real estate in Ontario. This class is Module 24 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: How to think about risks in terms of severity and likelihood and which are the most devastating? For each risk: what is i…

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We discuss Equitable Bank's mortgage renewals, financial relief measures, and their first-quarter results. The episode then delves into Equitable Bank's reverse mortgage portfolio and credit provisions. We explore the bank's broader growth strategy, custome…

In this episode, we start with an introduction and a sponsor message from Real Approved Inc. We delve into BMO's financial health, examining their earnings, mortgage projections, and delinquency rates. The discussion then shifts to how trade tensions and business confidence are impacting the market. We analyze Equifax Canada's credit trends and pro…

In this episode, we kick off with an introduction and a sponsor mention from Real Approved Inc. We explore recent changes in mortgage interest rates and the Bank of Canada's role in these shifts. The discussion then moves to the economic implications and potential future of mortgage rates. We delve into alternative mortgage options and current real…

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We explore the rising mortgage delinquency rates in Ontario and discuss strategies for managing variable-rate mortgages amidst financial struggles. The conversation shifts to trends in mortgage and nonmortgage debt, followed by an economic outlook forecast …

In this episode, we begin with a welcome and a sponsor message. We dive into the topic of mortgage renewals, exploring strategies homeowners can adopt amid changing interest rates. The discussion shifts to preparing for higher mortgage rates and how preferences are evolving in response. We analyze the Bank of Canada's policy shift and its potential…

In this episode, we start with an introduction and a sponsor message from Real Approved Inc. We then discuss Highclere Capital's recent entry into the mortgage sector, exploring their strategic approach. The focus shifts to innovations in mortgage processing and underwriting, highlighting advancements aimed at improving efficiency. We examine Highc…

In this episode, we start with an introduction and a sponsor message from Real Approved Inc. We then analyze how recent economic news impacts mortgage rates and retail sales. The discussion shifts to trade tensions, household spending, and the Bank of Canada's rate decisions. We explore Toronto's housing market trends and compare them with the broa…

Learn the secrets to the BRRRR real estate investing strategy in Ontario. This class is Module 23 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: What are the different variations of the Buy, Rehab, Rent, Refi (and Repeat)—commonly abbreviated as the BRRRR strategy—and what are some of the pros and con…

In this episode, we begin with a sponsor introduction and then explore shifts in Ontario's housing market, with a focus on Toronto's unique trends. We delve into the dynamics of multi-property ownership and investor activity, highlighting the financial challenges faced by recent buyers and first-time homebuyers. The discussion covers the mortgage m…

In this episode, we begin with an introduction and share economic insights before delving into the Toronto housing market and the impact of investment capital. We discuss mortgage renewal challenges and the financial strain faced by homeowners. The CMHC housing market outlook is explored, along with various economic scenarios affecting the market. …

This episode kicks off with a sponsor introduction before diving into the Bank of Canada's rate cut odds and market reactions, featuring insights from TD economist James Orlando. We explore Canadian housing starts, construction trends, and January home sales data, along with rental rate changes and Ontario real estate price stability. We also discu…

This episode kicks off with a sponsor message from Real Approved Inc. We then dive into Chrystia Freeland's housing policies and immigration targets, discussing government incentives, AI bans in rent setting, and initiatives for new homeowners and modular housing. We explore the impact of Liberal leadership on housing policy and a CMHC report on ho…

In this episode, we begin with a sponsor mention from Real Approved Inc. and provide updates on trade and economic matters, including the US-Canada dispute, real estate data, CPI, and corporate earnings. We then offer a preview of the upcoming speech by the Governor of the Bank of Canada, highlighting key points to watch for. The episode concludes …

In this episode, we begin with a sponsor mention from Real Approved Inc. and explore how AI and QuickCasa are transforming real estate interactions. We delve into the integration of artificial intelligence in real estate services and discuss the importance of maintaining a personal touch in AI-led processes. The episode wraps up with closing remark…

In this episode, we start with a sponsor mention before diving into the latest Ontario real estate market trends and predictions for 2024-2025. We compare the performance of the condominium market with home sales forecasts, examining key factors like interest rates, mortgage rules, and potential rate cuts. We analyze the pros and cons of variable v…

Learn the secrets to the paperwork to buy and sell real estate in Ontario. This class is Module 22 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: How do you get the contracts and disclosures for buying and selling real estate in your market? When and how should you review the paperwork for your real e…

In this episode, we explore the latest trends in the British Columbia real estate market and what they mean for buyers and sellers. We delve into the evolution of mortgage technology and the challenges the industry faces in adapting to these changes. The potential impact of artificial intelligence on the mortgage industry is examined, offering insi…

In this episode, we kick off with a sponsor message from Real Approved Inc. and dive into the anxiety surrounding the Toronto real estate market due to U.S. tariffs. We discuss sales, listings, interest rates, and spring market predictions. Political influences, buyer sentiment shifts, new mortgage rules, and national housing stability are explored…

In this episode, we kick off with a sponsor message from Real Approved Inc. and dive into the resurgence of variable-rate mortgages, balancing savings and risks. We discuss policy rate reductions, mortgage penalties, and options for risk-averse borrowers. We also explore Canada's construction sector growth, building permit forecasts, and the impact…

In this episode, we start with an introduction and a sponsor mention. We examine the Bank of Canada and the Big Six banks' policy rate forecasts, providing insights into GDP growth, the housing market, and inflation. The discussion extends to bond yields and the Canadian dollar forecast. Updates from Bank of America and Toronto-Dominion Bank are ex…

In this episode, we kick off with an introduction and a sponsor message from Real Approved Inc. We delve into current housing market trends, focusing on affordability and construction updates. Regional housing market dynamics across Ontario, BC, Alberta, and Québec are discussed. The implications of Budget 2024 and municipal development charges are…

In this episode, we begin with an introduction and sponsor message from Real Approved Inc. We delve into Equifax's fourth quarter 2024 earnings, featuring insights from their CEO. The discussion covers Equifax's cloud data transformation and financial strategies, highlighting the performance of U.S. Information Solutions and Workforce Solutions. We…

In this episode, we explore a significant shift in the Canadian mortgage market, focusing on variable rate considerations. We discuss the decline in new home construction projects and the challenges associated with interprovincial relocations. The government's monitoring of trade and its impacts on the housing market is examined, alongside trends i…

Learn the secrets to comparing mortgages, loans and lenders in Ontario. This class is Module 21 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: Why selecting a lender isn’t always about price… and what are some of the other selection criteria to consider. Why just because one lender says it can’t be do…

In this episode, we discuss the recent drop in fixed mortgage rates amid tariff disputes and how market fluctuations affect lenders. Learn strategies for securing mortgage preapprovals and rate holds. We explore variable rates and potential actions by the Bank of Canada. Discover Ontario's rental market trends and CMHC's 2025 Housing Market Outlook…

In this episode, we begin with an overview of the current housing market outlook, followed by an exploration of CMHC's housing market scenarios and city-specific forecasts. We delve into TRREB's outlook for the Greater Toronto Area and examine how government policies are influencing the housing market. Discussion extends to economic resilience amid…

In this episode, we delve into the CMHC's latest housing market outlook, highlighting ongoing affordability challenges. We examine interest rate forecasts from the Bank of Canada and National Bank, and introduce Frank Fintech's new digital mortgage platform. The discussion extends to competition among banks and the impact of U.S. tariffs on the hou…

In this episode, we start with a sponsor message from Real Approved Inc. and explore Ontario's property tax assessment delays, featuring MPAC's response and insights from Barrie and Tiny Township. We discuss Collingwood's motion on reassessments, changes in Canadian bond yields, and predictions on lender rate cuts. Hear about the economic impact of…

In this episode, we kick off with a sponsor mention before diving into the latest Canadian real estate and economic trends. We provide an update on the Bank of Canada's monetary policy and its implications. The episode covers current developments in the Ontario real estate market, featuring insights from Michelle Kam on navigating the winter real e…

In this episode, we start by providing an overview of current mortgage rate trends, followed by an analysis of the Bank of Canada's monetary policy and its impact on mortgage rates. We compare fixed-rate and variable-rate mortgages, examining their respective advantages. The episode explores alternative mortgage options and strategies for navigatin…

In this episode, we explore the delay and potential cancellation of the capital gains tax hike. We discuss Canadian entrepreneurs' incentives, the secondary suite refinancing program, and mortgage options with banks and smaller lenders. Challenges in Ontario's mortgage applications and affordability, the role of brokers, and the Bank of Canada's ra…

Learn the secrets to analyzing deals in Ontario. This class is Module 20 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: Where can you get a free deal analysis spreadsheet to analyze your own deals? Which fields should I fill in when analyzing a deal, and which should be left for the spreadsheet to cal…

In this episode, we begin with a sponsor message from Real Approved Inc. before delving into the Bank of Canada's recent interest rate decisions and their broader economic impact. We explore how inflation is influencing the Bank's monetary policy and examine prime rate adjustments by major banks, focusing on their effects on mortgages. The episode …

In this episode, we begin with a sponsor message from Real Approved Inc. before exploring the Bank of Canada's recent interest rate cut and its economic rationale. We delve into consolidated mortgage reforms and measures aimed at improving housing affordability. The discussion continues with an analysis of variable versus fixed mortgage rates in th…

In this episode, we begin with a sponsor message before examining the implications of a recent interest rate cut and how tariffs are impacting the housing sector. We provide an update on Ontario real estate contract law and discuss the federal government's housing investments in the province. The role of the federal housing minister is highlighted,…

In this episode, we start with a sponsor mention before delving into the topic of development charges and their impact on housing affordability in Ontario. We share insights from David Wilkes on this issue. A comprehensive overview of the Canadian real estate market follows, focusing on December price trends across provincial markets, with an empha…

In this episode, we begin with a sponsor message from Real Approved Inc. before diving into current rental market trends, highlighting a decline in average asking rents. We explore factors affecting rental demand and offer predictions for future rent growth. The episode examines the challenges in purpose-built rental supply and affordable housing. …