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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

00:10:12

Episode 205: Decline in Average Rents, Affordable...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/27

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. We discuss the impact of population growth, housing construction, and federal investments in Ontario. The Canada Greener Affordable Housing program and

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00:05:37

Episode 204: Younger Canadians' Mortgage Debt, Jasper...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/26

In this episode, we begin with a sponsor message from Real Approved Inc. before delving into the evolving mortgage debt trends among younger Canadians. We then shift focus to Jasper, Alberta, where the housing crisis has intensified following a recent wildfire. A critical examination of the provincial housing plan reveals various criticisms and areas for improvement. The episode concludes with a discussion on collaborative efforts in disaster recovery, highlighting the importance of coordinated

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00:22:10

Episode 203: Mortgage Renewals, GTHA Townhouse Surge,...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/25

In this episode, we explore The Great Renewal of fixed-rate mortgages, examining competitive strategies by banks and nonbank lenders and consumer behavior in high-interest environments. We discuss Canadian housing market trends, economic impacts, and offer advice for borrowers, including a future interest rate outlook. Discover the Secondary Suite Refinance Program and FSRA's new advertising guidelines for lenders. We analyze the decline in new home prices, the surge in GTHA townhouse sales,

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00:14:23

Episode 202: Ontario Housing Crisis, RBC Poll, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/24

In this episode, we start with an update on Ontario's housing market, examining efforts to combat the housing crisis across provinces. We explore the challenges faced by homebuilders in Ontario, including financial struggles. A recent RBC poll reveals insights into Canadians' financial security. The episode also covers the Bank of Canada's interest rate outlook and its implications. We delve into townhomes as the latest hot property trend in Toronto. The episode concludes with a sponsor message from

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00:13:08

Episode 201: BoC Rate Predictions, TD Mortgage Sale,...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/23

In this episode, Steve Hamoen welcomes listeners and kicks off with an analysis of the Bank of Canada's latest interest rate announcements and predictions. The discussion explores how these rates affect consumer spending and mortgage dynamics. We then delve into TD Bank's recent mortgage sale and restructuring efforts. The episode highlights trends in Ottawa's housing market and Canada's future housing needs, considering the impact of federal immigration levels. We address challenges developers face

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00:16:32

Episode 200: PropTx Impact, BoC Rate Decision, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/22

In this episode, we kick off with a sponsor message from Real Approved Inc. and dive into PropTx's impact on MLS and ITSO. We analyze the latest inflation report and the Bank of Canada's rate decision, offering insights into the economic landscape. Discover a new CMHC-insured mortgage refinancing product for secondary suites and its benefits. We tackle housing affordability, the rise of secondary suites in major cities, solutions for high mortgage payments, and Alberta's housing crisis. The episode

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00:13:05

Episode 199: BoC Sentiments, Housing Supply...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/21

In this episode, we begin with an introduction and a sponsor message before exploring the Bank of Canada's latest insights into consumer and business sentiments. We delve into the implications of inflation and spending intentions on the economy. The episode also covers investment trends in the energy sector and recent data on housing starts from CMHC. We discuss the ongoing challenges and decline in housing supply, alongside trends in household and mortgage debt in Canada. Finally, we spotlight a

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00:03:25

Construction Starts Jump Across the Province

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/20

In this episode, we begin with an introduction and a sponsor message before diving into an overview of the housing market, focusing on the recent surge in construction starts across Ontario. We examine the driving factors behind this construction boom, offering insights into what is fueling the increase. The episode provides valuable advice for buyers and investors navigating the current market landscape, helping them make informed decisions. We conclude with closing remarks and a reminder of our

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00:05:30

Episode 197: Calgary Real Estate Highlights, Market...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/19

In this episode, we introduce Hyyve's new advisory board member, Howard Drukarsh, and discuss his potential impact on the company. We then explore a notable real estate transaction in Calgary, delving into the details of a significant condo deal. The episode compares the real estate market appeal between Calgary and Ontario, highlighting key differences and factors attracting investors to each region. We wrap up with closing remarks and a sponsor message from Real Approved.

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00:12:29

Episode 196: End of Quantitative Tightening, 2025...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/18

In this episode, we kick off with a sponsor message from Real Approved Inc. and dive into the Bank of Canada's decision to end quantitative tightening, offering historical context. We discuss the mortgage market outlook and strategies for 2025, along with affordability issues and broker solutions in real estate. Leadership changes at Westboro MIC, particularly CEO Nick Christopoulos's legacy, are highlighted. We also analyze the impact of US tariffs on Metro Vancouver real estate and the city's

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00:12:50

Episode 195: CREA's 2025 Forecast, Housing Density...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/17

In this episode, we begin with a welcome and introduction before delving into the Canadian Real Estate Association's 2025 forecast and home sale projections. We examine factors influencing these updated forecasts, including development charges and the Ontario Real Estate Association's campaign for affordability. Proposals for increasing housing density are discussed, alongside CMHC data on housing starts with an urban vs. rural breakdown. The episode addresses challenges in housing demand and

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00:15:14

Episode 194: Mortgage Renewal Crisis, Regulatory...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/16

In this episode, we tackle the mortgage renewal crisis and interest rate impacts. We discuss regulatory changes, including the removal of the stress test for uninsured borrowers, and analyze the Bank of Canada's economic estimates and the labor market. We provide updates on national home sales and 2025 forecasts, along with interest rate effects on market recovery. Regional real estate trends, risks from the US trade war, and December home sales in Ontario are covered. We examine Vancouver's market

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00:11:49

Episode 193: Interest Rate Forecasts, Ontario Housing...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/15

In this episode, we begin with an introduction and sponsor message before discussing the National Bank of Canada's interest rate forecast and insights from economists. We explore mortgage renewals in the context of economic growth considerations and delve into the challenges facing Ontario's housing market, alongside government interventions. Updates from the Financial Services Regulatory Authority are covered, followed by an analysis of how currency market fluctuations and oil prices impact real

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00:14:39

Episode 192: Mortgage Market Updates, Policy Changes,...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/14

In this episode, we start with a sponsor message from Real Approved Inc. and dive into key updates in the Canadian mortgage market. We analyze the impact of the Bank of Canada's interest rate changes and government policies for homebuyers. A new lender switch policy without stress testing is discussed, along with market segment changes. We explore studies on mortgage renewal, payment shocks, and risks of fixed-payment variable-rate mortgages. The episode covers trends in mortgage types, borrower

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00:04:36

Is your mortgage one of the 1.2 million up for...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/13

In this episode, we open with an introduction and a sponsor message from Real Approved Inc. The discussion begins with the upcoming mortgage renewal wave and how potential Bank of Canada rate cuts could influence it. We delve into lender competition and its effects on monthly payments for borrowers. The episode also covers changes in uninsured mortgage policies and their impact on housing affordability trends. Federal measures, including price caps and 30-year amortization eligibility, are examined

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00:04:19

Home renovation costs keep climbing, but at a slower...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/12

In this episode, we begin with an introduction and a sponsor mention before diving into the trends and factors influencing home renovation costs in Canada. We examine regional renovation cost trends, focusing on Montreal and Ottawa. The discussion then turns to home equity financing options available for homeowners planning renovations. We explore the motivations driving individuals to undertake home renovations and the impact of these projects on property value. The episode concludes with closing

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00:10:04

Episode 189: Job Market Impact on Rates, Condo Market...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/11

In this episode, we begin with an introduction and sponsor message before examining how Canada's job market impacts interest rates. We then discuss the influence of U.S. employment growth on Canadian mortgage rates and the Bank of Canada's reconsideration of a rate cut. A detailed analysis of Canada's condominium market follows, along with price predictions. We explore affordability and sustainability challenges within the real estate market and shine a spotlight on Ontario's luxury real estate

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00:23:51

Episode 188: Fairstone-Home Trust Merger, TRESA...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/10

In this episode, we start with a sponsor message from Real Approved Inc. and discuss the Fairstone Bank of Canada and Home Trust Company merger. We explore the Trust in Real Estate Services Act (TRESA) Phase Two reforms, mortgage rates, and strategies for securing the best deals. We also look at trends in the Greater Toronto Area's luxury housing market, mortgage trends among seniors, reverse mortgages, and Canadians' financial concerns, especially credit reliance. Housing affordability, rental

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00:15:29

Episode 187: Mortgage Renewals, Toronto Market...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/09

In this episode, we delve into mortgage renewals, examining current interest rate trends and strategies for homeowners navigating this landscape. The focus shifts to Toronto's real estate market, with insights on condos and single-family homes. We then explore the Ottawa-Gatineau housing market and how economic diversification is influencing it. Notable real estate transactions and the dynamics affecting the market are highlighted, along with recent mergers and acquisitions in the mortgage industry

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00:21:12

Episode 186: New Mortgage Rules, GTA Real Estate...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/08

In this episode, we begin by introducing new mortgage rules and their potential impact on the market. The discussion moves to the upcoming competition in mortgage lending and strategies that major banks are employing for mortgage renewals. A forecast of the real estate market in the Greater Toronto Area is provided, along with an examination of current challenges in Toronto's housing market. Recent performance trends in Toronto's real estate are analyzed, followed by an exploration of issues in

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505 results

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