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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

00:21:44

Episode 145: BoC Rate Forecast, Mortgage Stress-Test...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/26

In this episode, we begin with a welcome and introduction, leading into the Bank of Canada's rate forecast and insights into historical GDP performance. We discuss updates on mortgage stress-test rules and highlight new industry partnerships. The episode covers trends in Canada's housing market, focusing on new home prices, and reviews Equifax Canada's Consumer Credit Trends Report. We introduce the launch of the E-Mentor platform aimed at supporting new brokers and provide an update on FSRA's

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00:07:22

Episode 144: GTA Housing Trends, Real Estate Fraud...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/25

In this episode, we start with an introduction and a sponsor message from Real Approved Inc. We then delve into housing market trends in the Greater Toronto Area, Aurora, and Newmarket, emphasizing the importance of setting realistic market expectations. We address the rise in real estate fraud cases and offer prevention tips, followed by a discussion on evaluating developer track records and recovering from fraud incidents. The significance of due diligence in real estate investments is

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00:05:29

Episode 143: TRREB Condo Market Report, MCAN...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/24

In this episode, we begin with an introduction and sponsor mention before diving into the TRREB Q3 2024 condo market report, focusing on current market conditions. We discuss average condo prices and share analyst insights on trends and expectations. The episode also covers the CEO transition at MCAN Mortgage Corporation and the company's future outlook. We wrap up with closing remarks and a reminder of our sponsor.

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00:16:07

Episode 142: Ontario Housing Supply Crisis, Mortgage...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/23

In this episode, we explore Ontario's housing supply crisis and the government's proposals to tackle it, including efforts to streamline residential unit construction and improve landlord/tenant operations. We address staffing shortages in Northern Ontario, new home warranties, pay-on-demand surety bonds, and OREA's push for aggressive action. TRREB's concerns about tribunal reform are also discussed. We provide insights on fixed vs. variable mortgage rates, global economic challenges, and the U.S

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00:21:37

Episode 141: Bond Yields Impact, Inflation Shifts,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/22

In this episode, we explore the impact of rising Canadian bond yields and U.S. economic policies on mortgage rates. We discuss Canada's inflation, the government's $250 plan, and a shift towards variable rates. Updates on stress test requirements, loan-to-income limits, and lenders becoming developers are covered. George Hugh shares insights on interest rates and housing market sustainability. We also discuss Ottawa's housing plan updates, measures against the financialization of housing, tips for

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00:22:16

Episode 140: Mortgage Stress Test Changes, HELOC...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/21

In this episode, we begin with an introduction and sponsor mention before discussing changes to the mortgage stress test for those switching lenders. We examine FSRA's enforcement actions against Canada Mortgage Group and the rise of HELOC borrowing, highlighting potential risks. The episode delves into predictions of a housing crisis in Canada and explores the Ontario Energy Board's proposed regulatory amendments. We cover the Bank of Canada's rate cut predictions and conclude with an analysis of

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00:18:04

Episode 139: Inflation, Rate Cuts, Ontario...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/20

In this episode, we kick off with a sponsorship from Real Approved Inc. and dive into Canadian inflation and property tax updates. We discuss banks' and markets' reactions to potential Bank of Canada rate cuts and analyze CMHC housing starts data with regional trends. Highlights include insights from the Scotiabank Housing Poll and Smart Prosperity Institute's study on Ontario's homebuilding challenges, featuring expert Mike Moffat. We also explore Ontario migration trends, mortgage market

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00:23:17

Episode 138: Surge in Home Sales, Housing...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/19

In this episode, we begin with an introduction to housing starts and market trends, followed by a discussion on the recent surge in home sales and the impact of interest rate cuts. We explore government investments aimed at improving housing affordability and gather expert opinions on current market dynamics. The episode highlights regional disparities in housing starts and addresses concerns about mortgage arrears in specific markets. We delve into the financial challenges facing the real estate

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00:09:38

Episode 137: Bank of Canada Rate Cut, Mortgage...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/18

In this episode, we kick off with a welcome and sponsor message before discussing GDP revisions and the Bank of Canada's rate cut. We delve into mortgage regulation, examining the Bank's cautious stance and potential long-term impacts. The focus then shifts to the Canadian economy, its challenges, and recovery prospects. We analyze the Bank of Canada's strategy and mortgage regulation concerns, followed by real estate signals and construction sector improvements. Key financial indicators like

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00:06:26

Episode 136: Immigration Cuts' Impact on Housing, GTA...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/17

In this episode, we begin with a welcome and introduction before delving into the Parliamentary Budget Officer's report on the housing market impact of potential immigration cuts. We then explore recent developments in the Greater Toronto Area's condominium market, providing a comprehensive summary of current market dynamics and highlighting long-term opportunities. The episode concludes with a sponsor message from [Sponsor Name].

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00:26:41

Episode 135: National Home Sales Recovery, Mortgage...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/16

In this episode, we kick off with a welcome and sponsor introduction, then dive into national home sales and market recovery insights. We cover market dynamics like new listings, average sale prices, and mortgage arrears. The conversation touches on mortgage renewal challenges, financial institution support, and projections for the mortgage market. We discuss rule adjustments amid rising delinquencies and Trump's potential impact. The episode also covers Ontario's real estate outlook, realtor

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00:18:01

Episode 134: Mortgage Arrears Forecast, Open Banking...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/15

In this episode, we dive into mortgage arrears forecasts for Toronto and Vancouver, examining market liquidity and rising interest rates with insights from CMHC. We discuss the Canadian labor market's impact on the mortgage industry and trends in fixed and variable rates. Challenges faced by homeowners during renewals, effects of open banking on mortgages, and Desjardins' rent inflation slowdown prediction are explored. We provide a Toronto real estate market update, discuss economic trends,

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00:16:09

Episode 133: Mortgage Rate Competition, Insolvency...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/14

In this episode, we start with a sponsorship mention from Real Approved Inc. and delve into mortgage rate competition and bank renewal strategies. We discuss challenges faced by smaller mortgage brokers and examine insolvency trends affecting Canadian households. Business insolvencies and their sector impacts are analyzed, along with a real estate update on Greater Toronto Area sales. We explore the decline in new housing starts and the construction industry's outlook. Bank of Canada updates include

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00:15:26

Episode 132: Bank of Canada's Credit Warning,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/13

In this episode, we begin with an introduction and sponsor mention before delving into the Bank of Canada's recent credit warning and its implications for mortgage debt. We explore the role of credit in housing affordability and market dynamics, followed by predictions for the mortgage market and bank competition. The episode includes an analysis of MCAN Mortgage Corporation's financial performance, portfolio stability, and CEO insights. We also discuss Pineapple Financial Group's recent

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00:04:41

Episode 131: Toronto Housing Surge, Supply-Demand...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/12

In this episode, we examine Toronto's housing market dynamics, focusing on the recent surge in sales, price increases, and ongoing supply issues. We discuss the challenges of balancing supply and demand in the real estate market and how these factors are influencing current trends. Additionally, we explore the impact of Ontario's cost of living on housing trends and delve into rental trends emerging in Canadian cities. The episode concludes with a message from our sponsor, Real Approved.

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00:06:37

Episode 130: Toronto Condo Trends, 10-Year Fixed...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/11

In this episode, we start with a brief introduction and sponsor mention, followed by an exploration of recent trends and statistics in the Greater Toronto Area condominium market. We provide market projections for Toronto condos, including inventory absorption rates. We then analyze 10-year fixed mortgages, discussing their benefits, drawbacks, and expert insights. The episode also features real-life stories from Canadian mortgage brokers, offering a practical perspective on the current market

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00:05:34

Episode 129: Canada's Mortgage Landscape, Defaults,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/10

In this episode, we explore Canada's mortgage landscape, focusing on the growing trends of mortgage defaults and foreclosures. We analyze the Bank of Canada's monetary policy, particularly recent rate cuts, and their implications for the housing market. Additionally, we discuss the ongoing issue of inflation and its impact on housing affordability. The episode concludes with a message from our sponsor, Real Approved.

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00:23:02

Episode 128: Canada's Housing Trends, Market Shifts,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/09

In this episode, we delve into Canada's housing market trends, noting shifts in bargaining power and seller-favorable conditions. We explore housing affordability and activity in Toronto and Montreal, Vancouver's dynamic market, and Calgary's resilience. We discuss new mortgage rules, their impact, and updates on Toronto and Vancouver's development plans. Unique properties, regional market resurgence, and October's record-breaking listings are highlighted. We also cover home price trends in Ontario,

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00:20:31

Episode 127: Mortgage Rules, Home Prices, and Toronto...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/08

In this episode, we delve into recent mortgage rule changes and their effects, examining the supply-demand imbalance impacting home prices. We discuss finance costs, extended amortizations, lender capital requirements, and inflation targets, all influencing mortgage rate forecasts and policy reforms. We also explore borrower transitions between lenders, the link between fixed mortgage rates and bond yields, and provide insights into North York's property sales and Toronto's real estate trends

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00:11:12

Episode 126: Toronto Home Sales, Rate Cuts Impact,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/07

In this episode, we delve into Toronto's home sales and market trends for October, providing a snapshot of the current housing landscape. We analyze how the housing market is responding to the Bank of Canada's recent rate cuts, focusing on the effects of decreasing interest rates on household spending and budgets. The episode also covers regulatory changes and the challenges faced by the mortgage market. Insights from Carolyn Rogers contribute to discussions on housing policy. We conclude with

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505 results

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