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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

00:25:23

Episode 165: New Mortgage Rules, Amortizations, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/17

In this episode, we start with an introduction and sponsor message before delving into new Canadian mortgage rules, including a price cap increase and expanded 30-year mortgage amortizations under the Mortgage Charter. We discuss updates to the mortgage stress test and potential interest rate cuts. The episode also covers national home sales and price trends, along with economic updates and the removal of the stress test for certain mortgages. We highlight government efforts on long-term fixed-rate

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00:10:57

Episode 164: Mortgage Changes, Home Price Inflation,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/16

In this episode, we dive into recent changes in Canada's mortgage and down payment rules, analyze home price inflation, and discuss benefits for urban buyers. We cover trends in Canadian mortgage rates, economic forecasts, and real estate dynamics in Greater Vancouver. The discussion includes economic indicators like unemployment rates and CAD-USD forecasts. We examine the urban-rural mortgage divide in Ontario and compare mortgage providers, including banks, non-banks, credit unions, and monoline

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00:07:01

Episode 163: New Mortgage Rules, First-Time Homebuyer...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/15

In this episode, we begin with an introduction and a sponsor message. We then explore the federal government's recent changes to mortgage rules and their impacts. Industry viewpoints and broader implications of these changes are discussed, followed by an examination of mortgage requirements, calculations, and upcoming rules. The conversation shifts to expanded eligibility and support for first-time homebuyers. We provide market predictions and discuss potential future housing measures. The episode

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00:13:37

Episode 162: Surge in Mortgage Rates, New Policies,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/14

In this episode, we start with a welcome and a sponsor introduction. The discussion centers around the surge in Canadian mortgage rates and the effects of rising bond yields. We examine new mortgage policies and government measures aimed at addressing these changes. Housing market trends and regional insights specific to Ontario are explored, followed by an analysis of the Bank of Canada's monetary policy and its implications for the mortgage market. We delve into real estate market developments,

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00:21:16

Episode 161: Housing Strategy, Interest Rate Impacts,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/13

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We delve into the issue of housing unaffordability and discuss the national housing strategy. The conversation addresses the effects of rising interest rates on homeownership and compares fixed versus variable mortgage rates. We explore trends among first-time home buyers in Ontario and analyze the implications of the Bank of Canada's rate cut on mortgages. Developments in the Toronto real estate market are

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00:09:42

Episode 160: BoC Rate Cut, Mortgage Rule Changes, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/12

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We discuss the Bank of Canada's recent interest rate cut and the new mortgage rules that have been introduced. The conversation then moves to changes in mortgage insurance and amortization policies, as well as modifications to the mortgage stress test and the implications of lender switching. We analyze the First Home Savings Account and the Home Buyers’ Plan, debating the effectiveness of these new mortgage

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00:14:22

Episode 159: BoC Rate Cuts, Market Overheating Risks,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/11

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We discuss the Bank of Canada's recent interest rate cuts and their overall impact on the economy. The focus then shifts to the risks of an overheating real estate market and the incentives for secondary suites. We explore various mortgage refinancing options and evaluate related programs. Challenges and strategies specific to Ontario's real estate market are examined. Additionally, we provide a leadership

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00:07:03

Episode 158: CMHC's Affordability Analysis, Federal...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/10

In this episode, we begin with an introduction and sponsor mention. The focus shifts to housing affordability, highlighting CMHC's analysis and the decline in urban centers. We discuss the federal response to the housing shortage and its impact on renters. An opinion piece examines real estate boards and the evolving value proposition they offer. We explore the argument for a standardized MLS and the potential benefits of a single-board model in Ontario. The episode wraps up with closing remarks and

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00:10:26

Episode 157: CMHC Trends, BMO's Economic Outlook, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/09

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We delve into CMHC trends, focusing on how low interest rates are affecting mortgage renewals. The discussion moves to proactive planning strategies for anticipated mortgage renewal cost increases. We examine BMO's increase in loan loss provisions and its credit management approach, alongside the bank's economic outlook and adjustments in its mortgage portfolio. Additionally, we address Canadian Western

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00:13:01

Episode 156: BoC Rate Cut Opinions, Bond Market...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/07

In this episode, we start with an introduction and a sponsor message. We examine the Canadian bond market and unemployment trends, discussing the Bank of Canada's anticipated rate cuts and varying opinions on their implications. The conversation shifts to regional job market dynamics and sector-specific employment analysis, while also exploring investor expectations and potential impacts of interest rate cuts. We delve into housing market trends, predictions, and the ongoing challenges of

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00:17:47

Episode 155: BoC Rate Cut Predictions, Collingwood...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/06

In this episode, we explore potential Bank of Canada rate cuts and their impact on the housing market. We discuss homebuyers' cautiousness, CMHC's mortgage cost report, and challenges for homeowners with fixed-rate renewals. We also review TD Bank's mortgage growth strategy and analyze the Collingwood real estate market, focusing on supply, demand, and buyer opportunities. The conversation shifts to Peterborough's housing report, low vacancy rates, and rental trends, along with broader Canadian

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00:29:28

Episode 154: Toronto Home Sales Surge, GTA Price...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/05

In this episode, we explore Toronto's home sales surge, GTA price trends, and the impact of interest rates on housing optimism. We discuss new listings, market conditions, and condo trends, along with mortgage renewals and sales stats. Our analysis includes national sales, the Bank of Canada's influence, and GTA market activity. We cover fixed mortgage rates, bond yields, and Waterloo Region sales. Topics include average price declines, condo challenges, federal mortgage reforms, inventory levels,

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00:13:18

Episode 153: GTA Home Sales Post-Rate Cut, BoC...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/04

In this episode, we begin with an introduction and a sponsor message by Real Approved Inc. We then explore Greater Toronto Area home sales and market trends following a recent rate cut. The discussion turns to the Bank of Canada's upcoming key lending rate announcement, with expert predictions on its potential impact. We examine how mortgage renewals and interest rates are influencing the market and address concerns over rising mortgage delinquency rates. The episode also highlights RESCON's

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00:12:53

Episode 152: Fixed Mortgage Rate Hikes, RE/MAX...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/03

In this episode, we start with an introduction and a sponsor message from Real Approved Inc. We then discuss the recent trend of banks raising fixed mortgage rates and the factors influencing these changes. Seasonal rate fluctuations and market expectations are explored, followed by RE/MAX Canada's market outlook and new rule changes anticipated for 2025. We delve into broker strategies and the role of multi-unit residential development loans. A motion to redefine affordable housing and the federal

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00:10:37

Episode 151: Canadian Banks' Earnings, BoC Rate...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/02

In this episode, we begin with an introduction and a sponsorship message from Real Approved Inc. We then discuss the earnings of Canadian banks, their challenges, and the broader economic outlook. A positive outlook is provided for Scotiabank and National Bank, highlighting the competitive mortgage landscape. The episode covers the Bank of Canada's final rate decision of the year and its implications on the market. We also look ahead to the spring 2025 real estate market prospects and anticipated

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00:04:57

Episode 150: Positive Bank Outlook, Mortgage...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/12/01

In this episode, we kick off with an introduction and a sponsor message from Real Approved Inc. We then provide a positive outlook for Canada's big banks, delving into stock performance insights. The discussion continues with an analysis of bank growth potential, earnings multiples, and the resulting investor optimism. We explore mortgage defaults, job market stability, and strategies for proactive mortgage management. The episode also covers credit losses, lending growth, and how immigration

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00:15:53

Episode 149: Mortgage Stress Test Changes, TD Bank...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/30

In this episode, we begin with a welcome and introduction to current mortgage trends and policy changes. We examine recent changes to the mortgage stress test and the industry's reactions. The complexities of mortgage regulations are discussed alongside Q4 banking sector earnings. TD Bank provides an analysis of the looming mortgage renewal cliff. We explore factors easing pressure on homeowners and their economic impacts. The influence of immigration policy on the real estate market is highlighted,

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00:15:10

Episode 148: OREA Policies, CMHC Critique, and Impact...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/29

In this episode, we start with an introduction and a sponsor message from Real Approved Inc. We then delve into the Ontario Real Estate Association's policy recommendations and the Real Estate Council of Ontario's discipline process. Mark Morris provides a critique of CMHC insurance and shares economic insights. We discuss mortgage stress tests and their impact on the housing market, followed by an analysis of five-year hybrid mortgages. The episode also covers FSRA's enforcement actions in the

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00:16:18

Episode 147: Rising Mortgage Rates, Ontario Housing...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/28

In this episode, we begin with an introduction and sponsor mention, followed by a discussion on the impact of rising mortgage rates on housing affordability in Canada. We explore Ontario's housing target and the government incentives designed to meet it. The episode addresses construction costs and potential solutions for Ontario's housing crisis. We then provide a forecast for the Canadian housing market in 2025. The role of AI in the mortgage industry is examined, alongside compliance concerns. We

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00:16:56

Episode 146: BoC Rate Decisions, High Interest...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/27

In this episode, we kick off with an introduction and sponsor mention, then explore the Bank of Canada's interest rate decisions and their impact on economic stability. We analyze the real estate market's response to high interest rates, followed by a look at challenges in the rental market and strategies for investors. The episode covers new mortgage qualifying rate regulations and broker strategies to navigate market competition. We review RE/MAX Canada's 2025 housing market outlook and provide an

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505 results

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