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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

00:13:50

Episode 185: Ontario Real Estate Trends, Home Price...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/07

In this episode, we start with an introduction and sponsor message before diving into recent developments in the Ontario real estate market and the impact of interest rates. We explore the decline in home prices, examining its implications and the factors influencing the market. The challenges associated with pre-construction purchases and insights into mortgage affordability are discussed. We then look into broker-lender dynamics and predictions for 2025. Updates on new housing laws and regulations

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00:04:25

This Week's Top Stories: Canadian Mortgage...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/06

In this episode, we start with an introduction and examine the rising trend of mortgage delinquencies. We discuss the impact of state intervention on mortgage arrears and delve into the specific challenges faced by Toronto's housing market and its delinquency rates. The episode also highlights the effects of business growth and immigration on the real estate market. A summary of current mortgage and real estate trends provides a comprehensive view of the industry's landscape. Closing remarks and a

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00:04:28

Uptick in Vancouver home sales last month caps 'pivot...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/05

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We explore the Vancouver housing market trends, highlighting recent sales increases and the influx of new listings. The discussion extends to British Columbia's property assessments and the dynamics influencing the market. Expert insights from Andrew Lis provide a detailed outlook on the 2024 market, offering valuable perspectives on future developments. We wrap up the episode with closing remarks and a

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00:07:12

Episode 182: GTA Housing Market Predictions, Interest...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/04

In this episode, we begin with an introduction and a sponsor mention. We delve into expert predictions for the Greater Toronto Area housing market in 2025, examining potential interest rate changes and their impact. The discussion moves to modifying mortgage regulations and the factors shaping the market. We address mortgage renewals, the rise in delinquencies, and the issue of empty condos. The complexities of the housing market and their economic implications are explored, followed by credit

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00:12:11

Episode 181: GTA Mortgage Delinquency, Rate...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/03

In this episode, we explore the mortgage delinquency rate in the Greater Toronto Area, covering current stats, regional challenges, and market correction opinions. We discuss factors influencing future mortgage rates, inflation expectations, and the global economy's impact. Key topics include loan-to-income ratios, upcoming 2025 regulations, the spring real estate market outlook, and household debt implications. We also touch on trends in mortgage provider switching, competitive strategies, and

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00:07:32

Episode 180: 2024 Mortgage Market Overview,...

Ontario Mortgage & Real Estate Insights Podcast ·

2025/01/01

In this episode, we start with an introduction and an overview of the 2024 mortgage market. The discussion moves to the effects of inflation, regulatory changes, and the anticipated rebound in the housing market. We explore corporate activity and policy shifts impacting real estate, followed by an analysis of big banks' performances and a review of 2024. Looking ahead, we discuss predictions for the 2025 housing market and potential interest rate changes. The episode offers market predictions and

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00:12:33

Episode 179: Ontario Mayors on Development, OSFI...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/31

In this episode, we start with a welcome and a sponsor introduction. The conversation shifts to Ontario mayors discussing development charges and infrastructure funding, followed by insights from developers and RESCON on regulatory challenges. We provide an update on the OSFI mortgage stress test and industry reactions. We then forecast a potential rebound in the Canadian housing market for 2025, with a regional focus on Hamilton's predicted mid-year demand peak. The episode also covers the

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00:03:44

Episode 178: Market Overview, City Demand Analysis,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/30

In this episode, we begin with an introduction and a comprehensive market overview. The discussion then moves to an analysis of housing demand across various Canadian cities, highlighting regional differences and trends. We examine critical Canadian economic indicators, focusing on household debt levels and GDP growth, and their implications for the real estate market. The episode also provides a summary of recent changes in the real estate landscape, offering insights into evolving market dynamics

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00:03:55

Episode 177: Canada's Mortgage Rates, New...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/29

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. The discussion focuses on Canada's mortgage rates and the anticipated interest rate cuts by the Bank of Canada in 2024. We then examine new mortgage regulations, including the increase in the insured mortgage cap and the extension of amortization periods. The conversation shifts to mortgage portability, highlighting the ability to switch lenders without requalifying. We explore the impacts on different

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00:07:09

Episode 176: Accessible Housing Needs and...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/28

In this episode, we kick off with an introduction and a sponsor message from Real Approved Inc. The discussion centers around the pressing issue of accessible housing in Canada, exploring the challenges and potential solutions to meet this urgent need. We then feature the House of the Week, spotlighting a stunning custom-built home in Malahide, Ontario, highlighting its unique features and appeal. The episode wraps up with closing remarks and a reminder from our sponsor, Real Approved Inc.,

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00:02:58

Episode 175: Coldwell Banker Momentum Realty's Growth...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/27

In this episode, we start with an introduction to the Ontario Mortgage & Real Estate Insights Podcast. We then delve into the growth of Coldwell Banker Momentum Realty, examining the strategic benefits of their expansion. The discussion shifts to a broader industry trend of real estate consolidation, analyzing its implications for the market. The episode concludes with closing remarks, summarizing the key points discussed.

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00:06:53

Episode 174: Digital Identity Verification, Open...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/26

In this episode, we start with an introduction and sponsor mention before diving into the topics of digital identity verification and the benefits of Open Banking. We explore Equifax's Apply+ technology and its potential impacts on the industry. The discussion then shifts to recent awards and updates regarding the Equifax data breach settlement, highlighting the importance of safeguarding personal information. We also cover the details of compensation related to the breach. The episode wraps up with

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00:06:11

Episode 173: 2025 Mortgage Outlook, Household Debt...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/25

In this episode, we begin with a welcome and sponsor introduction before delving into the mortgage outlook and the Bank of Canada's interest rate predictions for 2025. We then explore lender competitiveness in the current market climate, highlighting a sense of cautious optimism. The discussion shifts to strategic financial decisions homeowners should consider in 2025. We provide an analysis of Canadian household debt trends, examining the growth in mortgage borrowing and consumer credit. The

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00:12:12

Episode 172: Prime Rate Impact, Mortgage Strategies,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/24

In this episode, we begin by discussing the prime rate and its impact on mortgages, providing a foundation for understanding the economic implications of the Bank of Canada's policy rate. We compare variable, adjustable, and fixed mortgage rates, offering insights into managing mortgage rate fluctuations and strategic planning. The episode explores economic growth and real estate trends across Canada, with a focus on potential rate adjustments by the Bank of Canada. We provide a sector-by-sector

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00:10:09

Episode 171: Affordable GTA Neighborhoods, Mortgage...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/23

In this episode, we begin with an introduction and sponsor message before exploring affordable neighborhoods in the Greater Toronto Area, offering insights into potential opportunities for buyers. We then discuss Canadian mortgage relief measures amidst current economic challenges, providing context for homeowners. The episode also covers monetary policies affecting the Canadian dollar, highlighting their implications on real estate. We examine migration trends in Canada and their impact on housing

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00:06:43

Episode 170: RBC Home Affordability Forecast and...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/22

In this episode, we start with an introduction and sponsor shoutout before delving into the RBC Economics report on home affordability, which includes a forecast extending through 2025. This provides valuable insights into the affordability challenges and expectations for the coming years. We then discuss the National Bank's acquisition of Canadian Western Bank, examining the regulatory aspects involved and the potential impact on the bank's expansion strategies. The episode concludes with closing

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00:12:07

Episode 169: Mortgage Holder Anxiety, Home...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/21

In this episode, we start with a welcome and sponsor message before diving into a survey examining Canadian mortgage holder anxiety, placing it within the broader context of mortgage renewals. We discuss consumer sentiment and the various types of mortgages available in Canada. The episode highlights a home affordability report by Royal Bank of Canada Economics, providing insights into current affordability challenges. We cover mortgage relief guidelines issued by the Financial Consumer Agency of

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00:09:42

Episode 168: OSFI Stress Test Updates, Homebuyer...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/20

In this episode, we begin with an introduction and sponsor message before discussing BMO's updates on the OSFI stress test for uninsured mortgage switches. We then delve into Canadian homebuyer sentiment and current market trends, highlighting key factors influencing the housing landscape. The episode explores the First Home Savings Account (FHSA) and its potential impact on buyers. Additionally, we cover FSRA's regulatory action against Michael Ryland Slattery and Skylark Holdings, offering

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00:13:42

Episode 167: Federal Reserve's Influence, Bank of...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/19

In this episode, we begin with an introduction and sponsor mention, then explore the Federal Reserve's impact on Canadian mortgage rates and inflation. We discuss the Bank of Canada's rate decisions in the face of economic challenges and examine how stock market and bond yield fluctuations affect mortgage rates. The episode covers Canadian housing market activity and new mortgage rules, along with projections, regional differences, and a seasonal outlook. We delve into regional construction and

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00:14:37

Episode 166: Inflation Data, Rate Cuts, and Mortgage...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/18

In this episode, we kick off with an introduction and sponsor message before delving into the latest Canadian inflation data and the Bank of Canada's interpretation. We examine current housing market trends and the impending mortgage renewal wave in Canada. The discussion shifts to the impact of the Bank of Canada's rate cuts on mortgages, followed by insights into OSFI's Domestic Stability Buffer and trends in Home Equity Lines of Credit (HELOCs). We also cover Tiff Macklem's comments on economic

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