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PODCAST

Ontario Mortgage & Real Estate Insights Podcast

Sandy MacKay, Steve Hamoen

We cover the daily developments, trends, and regulatory changes affecting the industry, powered by an AI Steve Hamoen. Get insights sourced from reputable news outlets to help you stay informed and make well-informed decisions.

business investing

All Episodes

00:11:14

Canada's Cooling Housing Market and Mortgage Industry...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/05/08

In this episode, we kick off with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into the cooling trend in Canada's housing market and the drop in home sales, exploring opportunities this presents for buyers. We discuss the updated Continuing Education requirements by FSRA and the role of technology in the mortgage industry. We review Dominion Lending Centres Inc.'s first quarter results and emphasize the importance of adaptability and innovation in the

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00:12:02

Toronto Real Estate Trends and Montreal's Housing...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/05/07

In this episode, we start with a warm welcome and a message from our sponsor, Real Approved Inc. We dive into Toronto's real estate market, discussing the effects of global trade tensions on housing prices. We analyze new listings, inventory trends, and political influences in the GTA. The episode also offers a housing market overview in King, Ontario, and compares property sales and prices in Mississauga. We further explore Montreal's real estate dynamics and suburban competition. Closing remarks

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00:17:18

Canadian Housing Trends, Interest Rates, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/05/06

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We explore interest rates and Canadian homebuyer trends, then gain housing market insights from Robert Kavcic. The discussion shifts to alternative homeownership approaches in Canada, Toronto home prices, and the Real Estate Board's April report. We examine preconditions for real estate market recovery and TD's condo price decline forecast. The Bank of Canada's interest rate strategy and

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00:03:33

Canadian homebuilding faces big challenges despite...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/05/05

In this episode, we begin with a welcome and introduction, featuring insights from an economist. A sponsor message from Real Approved Inc. follows. We then discuss Canadian homebuilding and the challenges of affordability, examining how immigration policy is affecting the real estate market. The conversation shifts to Toronto's unsold condos and the growth in rental construction. We address the housing supply shortfall and the importance of strategic planning in the sector. The episode wraps up with

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00:04:02

Feeling stuck with a ‘forever mortgage’? We want to...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/05/04

In this episode, we start with a welcome to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We delve into the challenges of 'forever mortgages' and the rising homeowner debt, examining how central bank policies are affecting mortgage payments and contributing to financial strain. Equifax Canada's report on the high cost of living and its impact on mortgages is discussed. We explore strategies for mortgage renewals and refinancing in 2024

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00:06:39

Ontario Mortgage Trends, Legal Cases, and FSRA's...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/05/03

In this episode, we kick off with an introduction and a look at current mortgage market trends, followed by a sponsor message from Real Approved Inc. We then discuss the Ontario Superior Court's involvement in the Sussman Mortgage Funding case, highlighting its implications for the industry. The conversation moves to the Financial Services Regulatory Authority's efforts to enhance consumer protection in the mortgage sector. The episode concludes with closing remarks and a reminder of our sponsor,

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00:14:29

Ontario Housing Trends, Mortgage Rates, and U.S....

Ontario Mortgage & Real Estate Insights Podcast ·

2025/05/02

In this episode, we begin with a welcome and a sponsor message from Real Approved Inc. We then provide an overview of Ontario's housing market, examining the impact of new condos. The discussion moves to trends among multi-property owners and indicators of financial stress. We explore the experiences of first-time homebuyers and current renovation trends. Key developments at First National Mortgage are highlighted, followed by an analysis of the Canadian mortgage rates landscape. The conversation

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00:06:35

Bank of Canada Rates, Mortgage Trends, and Spring...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/05/01

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. The discussion opens with the Bank of Canada's interest rates and the associated economic risks. We explore the impact and predictions for mortgage holders, considering refinancing, debt management, and spring housing market trends. The conversation then shifts to pre-approvals, market resilience, and mortgage delinquencies. The episode wraps up with closing remarks and expressions of

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00:09:20

Negative Equity Challenges and Bank of Canada's Rate...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/30

In this episode, we start with an introduction to new homebuyer topics, followed by a sponsor message from Real Approved Inc. We then delve into the challenges of selling homes at a loss and the impacts of negative equity on homeowners. The discussion shifts to the Bank of Canada's interest rate outlook, exploring predictions and their potential implications for the real estate market. The episode wraps up with closing remarks and a reminder of our sponsor.

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00:11:36

Ontario Homebuyer Protections, Toronto Condo Trends,...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/29

In this episode, we kick off with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We explore a new protection mechanism for Ontario home buyers, highlighting Tarion's initiative. The discussion shifts to the role of industry professionals in educating homebuyers. We examine NerdWallet Canada's Down Payment Monitor, focusing on regional disparities. The conversation continues with an analysis of Ontario's real estate market changes since the last federal election and

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00:12:27

Interest Rate Forecasts, CMHC Updates, and Ontario's...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/28

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We then discuss market expectations and major banks' forecasts on interest rates. The conversation shifts to the economic outlook, covering North American growth, trade tensions, and Canada's specific concerns. We explore bond yield projections and their implications for mortgages, alongside updates from the Canada Mortgage and Housing Corporation. Government initiatives for first-time

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00:02:57

1.2 million Canadian mortgages are set to renew in 2025

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/26

In this episode, we begin with a welcome and introduction to the topic of mortgage renewals and options. A sponsor message from Real Approved Inc. follows. We then provide an analysis of mortgage renewals and rate options anticipated in 2025, offering insights into future trends. Financial adviser Mark Ting joins the conversation to share expert insights on navigating these options. We discuss the economic factors currently influencing mortgage rates and their potential effects on future renewals

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00:09:32

Ontario Mortgage Trends, Demographics, and Bank of...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/25

In this episode, we start with a welcome and introduction, setting the stage for our discussion. A sponsor message from Real Approved Inc. is then featured. We delve into the complexities of mortgage rates, tariffs, bond yields, and political uncertainties, and how these factors shape the current mortgage landscape and affect borrowers. We examine demographic shifts in Ontario's real estate market and discuss financial planning strategies for potential homeowners. The conversation continues with an

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00:15:22

Toronto Home Affordability, Mortgage Rate Trends, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/24

In this episode, we kick off with an introduction to Ontario Mortgage & Real Estate Insights. A sponsor message from Real Approved Inc. follows. We explore the salary requirements for buying a home in Toronto, providing a detailed look at affordability. The discussion then shifts to the Bank of Canada's influence on mortgage rates and the current trends in variable versus fixed mortgage rates. We assess the status of non-bank mortgage lenders and the effects of British Columbia's short-term rental

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00:13:47

Condo Oversupply, Political Housing Strategies, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/23

In this episode, we begin with a welcome and introduction, setting the scene for our discussion. A sponsor message from Real Approved Inc. is featured next. We delve into condo market trends, addressing issues like oversupply, investor challenges, and the perspectives of younger Canadians. The conversation then shifts to the housing strategies proposed by political parties, including the Conservatives, Liberals, NDP, and Greens. We explore the launch of the Mortgage Brain AI platform and its

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00:14:44

Ontario Housing Collapse, Skilled Trades Shortage,...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/22

In this episode, we begin with a welcome and overview, setting the context for our discussion. A sponsor message from Real Approved Inc. follows. We explore the decline in Canadian housing starts and the collapse of Ontario's market, contrasting it with Alberta's situation. The analysis highlights the skilled trade worker shortage and its impact on construction. We delve into housing affordability issues in Hamilton and Burlington, providing a local perspective. The episode also covers the FSRA's

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00:06:19

Development Fees, FSRA Actions, and Ethical Lending...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/21

In this episode, we begin with a welcome and introduction, setting the stage for the discussion. A sponsor message from Real Approved Inc. follows. We then explore the impact of development fees on homebuyers and the potential misuse by municipalities. The conversation shifts to public opinion and the Ontario Real Estate Association's proposals for a new funding model. We examine regulatory issues, including FSRA fines and the importance of ethical lending practices. The discussion also addresses

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00:03:53

Equifax UK Launches Cloud-Native Intelligence Suite...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/19

In this episode, we start with a welcome and an overview of Equifax's new Intelligence Suite, setting the stage for the discussion. A sponsor message from Real Approved Inc. follows. We then examine the impact and innovations of cloud-native technology in commercial lending, highlighting its transformative potential. The conversation moves to Equifax's Business ID Plus, focusing on fraud prevention and the future capabilities of the Intelligence Suite. The episode wraps up with closing remarks and a

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00:04:14

The Bank Of Canada Holds Key Interest Rate At 2.75%

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/18

In this episode, we kick off with a welcome and overview, setting the stage for the discussion. A sponsor message from Real Approved Inc. follows. We then delve into the Bank of Canada's recent interest rate decision and its implications for economic indicators. The conversation shifts to personal considerations in home buying, offering insights for prospective buyers. We explore predictions on future rate movements and how they might impact the market. Navigating the complex economic landscape is a

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00:15:37

Ontario's Housing Policies, Market Trends, and Tax...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/04/17

In this episode, we begin with a welcome and an overview of the Foreign Buyers Ban and Non-Resident Speculation Tax, setting the stage for the discussion. A sponsor message from Real Approved Inc. follows. The focus then shifts to the economic impact of new home construction in Ontario and a review of recent trends in Ontario home prices. We discuss FSRA's penalties on Ismail Ayyoub, offering insights into regulatory compliance. The episode also provides tax filing tips for those with side hustles

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505 results

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