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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

00:11:09

Episode 125: Mortgage Renewals, Interest Rate Cuts,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/06

In this episode, we begin with an introduction to the crucial topics of mortgage renewals and the risks associated with delinquencies. We then explore the Bank of Canada's recent interest rate cut and the economic signals it sends. A comprehensive update on the Greater Toronto Area housing market follows, providing valuable insights into current trends. We also delve into real estate market predictions for the years 2025 to 2029, offering a forward-looking perspective. The episode highlights

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00:18:19

Episode 124: Mortgage Debt Growth, Investor Dynamics,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/05

In this episode, we begin with a welcome and introduction, setting the stage for an exploration of the current mortgage market. We discuss the growth in mortgage debt, factors deterring buyers, and the impact of upcoming renewals. The episode examines changes in mortgage types and the dynamics among investors. We also analyze the effects of government policies on the real estate market, along with trends in mortgage delinquencies and terms. Finally, we delve into the potential influence of interest

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00:14:54

Episode 123: Ontario's Population Dynamics, Toronto...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/04

In this episode, we begin with a welcome and introduction, setting the stage for a discussion on Ontario's population dynamics and their economic impacts. We explore the recent decline in Toronto condo prices and draw insights from the European housing model. The episode also delves into mortgage debt trends, focusing on the rise of reverse mortgages among older households. A message from our sponsor, Humber Polytechnic's Mortgage Agent Level 1 course, follows. The episode concludes with closing

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00:05:11

Episode 122: First National Earnings, Mortgage Caps,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/03

In this episode, we begin with an overview of the topics to be discussed, setting the stage for an in-depth analysis of First National's earnings and the evolving mortgage regulations affecting their market strategies. We delve into the implications of recent mortgage cap and policy changes, examining their impact on the industry. The growth in Mortgage Under Administration and the competitive landscape are explored, alongside insights into the Excalibur portfolio and origination forecasts. We also

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00:15:47

Episode 121: Ontario Housing Targets, Condo Sales...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/02

In this episode, we explore Ontario's housing targets and the fall economic statement with insights from Minister Calandra. We discuss the Cutting Red Tape to Build More Homes Act and its impact on affordable housing. We also address the decline in pre-construction condo sales, market balance concerns, and funding challenges for developers. Insights from the Mortgage Professionals Canada conference highlight market optimism. Additionally, we examine Canadian immigration policy changes,

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00:19:27

Episode 120: Ontario Market Update, Interest Rate...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/11/01

In this episode, we start with a welcome and introduction, setting the stage for an exploration of Ontario's housing market. We discuss recent projections, skepticism from opposition parties, and municipal concerns. The impact of current interest rate trends and the role of variable-rate mortgages are analyzed. Insights from the Mortgage Professionals Canada conference are shared, highlighting recent rule changes. We examine the growing trend of parental financial support for first-time buyers and

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00:16:40

Episode 119: OREA Law Updates, TRREB Condo Market...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/31

In this episode, we explore OREA's proposed updates to real estate laws, including removing the auctioneer exemption and introducing mandatory disclosure. We discuss OREA's mentorship programs and new administrative penalties. TRREB's backing of property tax reforms and housing supply initiatives is examined, along with the beneficial ownership registry's impact on financial crimes. We also review housing projection revisions and related political criticism, as well as municipal concerns about the

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00:15:36

Episode 118: BoC Policy Changes, Toronto Condo...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/30

In this episode, we begin with an introduction to today's main topic, setting the stage for an in-depth discussion. We then provide an overview of current mortgage rates and recent policy changes by the Bank of Canada. Nick L’Ecuyer offers a historical perspective on these developments and shares future predictions. The focus shifts to the Toronto condo market, examining recent trends and price drops. We also discuss OREA's policy recommendations aimed at enhancing professional standards in the

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00:13:53

Episode 117: Real Estate Insolvency, Ontario Market...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/29

In this episode, we begin with a welcome and introduction before delving into the pressing issue of insolvency in the real estate market, focusing on ownership battles and financial practices. We then examine Ontario's housing market trends, discussing price fluctuations, recent bylaw changes, and government responses. The conversation shifts to political proposals and their potential impact on housing affordability. A regional spotlight compares the real estate landscapes of Mississauga and

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00:04:04

Episode 116: BMO Report on Real Estate, BoC Rate Cut,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/28

In this episode, we begin with an introduction and overview of the topics to be covered. We delve into a BMO report discussing real estate prices, recent changes in immigration policy, and economic forecasts. The conversation then shifts to the implications of the Bank of Canada's significant rate cut, alongside RBC's warning regarding unemployment. We explore trends in Canadian household debt, analyzing how these factors interplay in the current economic landscape. The episode concludes with

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00:04:34

Episode 115: Rising Mortgage Debt, Retirement...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/27

In this episode, we start with an introduction to the evolving financial landscape and the increasing mortgage debt faced by many homeowners. We explore strategies for managing mortgage debt during retirement, including the growing trend of downsizing. The discussion then shifts to effective strategies for refinancing and accessing home equity, providing practical insights for homeowners looking to optimize their financial situation. The episode concludes with a wrap-up of the key points discussed,

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00:22:24

Episode 114: Interest Rate Changes, Market Trends,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/26

In this episode of the Ontario Mortgage & Real Estate Insights Podcast, we dive into the Bank of Canada's recent interest rate changes and their effects on the mortgage market. Explore current housing trends, buyer behavior, and a luxurious Burlington property as our Home of the Week. We provide a guide to mortgage rate options, examine historical trends, and predict future rates. Discover economic factors influencing rates, forecasts for 2025, and strategic mortgage planning tips. We also cover

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00:17:33

Episode 113: Tango Financial's Expansion, Housing...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/25

In this episode, we kick off with an introduction to Tango Financial's expansion and its impact on the broker community in Ontario. We then delve into mortgage market forecasts and current interest rates in the province. The discussion shifts to housing market trends, highlighting government initiatives aimed at assisting first-time buyers. Strategies for improving housing affordability and preventing fraud are explored, alongside the innovative concept of adaptive reuse of vacant office spaces for

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00:18:46

Episode 112: Rate Cuts, Market Dynamics, and New...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/24

In this episode, we begin with a welcome and overview of the topics at hand. We discuss the recent Bank of Canada rate cut and its broader economic implications, followed by an analysis of bond yields and their impact on mortgage rates. The episode explores recession risks and strategies for managing inflation. We delve into rental market dynamics and the ongoing challenges in housing supply. Financial issues surrounding Clearview and oversight of Sunrise Homes are examined. Updates on Ontario's

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00:19:38

Episode 111: Rising Real Estate Costs, Investor...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/23

In this episode, we begin with a welcome and introduction to the topics at hand. We delve into the rising costs in the real estate market and explore strategies investors are employing to navigate these challenges. The episode examines new listings and trends in the rental market, alongside discussions on home value trends and market dynamics. We address the challenges investors face in the current climate, followed by insights into RBC's analysis and the impact of the Bank of Canada's rates on

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00:15:47

Episode 110: Toronto Strategies, Gardiner Expressway,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/22

In this episode, we welcome listeners to Episode 110 and provide an overview of the topics covered. We discuss Toronto's housing and economic strategies, focusing on key initiatives impacting the city's development. The episode highlights infrastructure investments, with a particular emphasis on the Gardiner Expressway and its implications for the region. We examine the financial impact of Sunrise Homes on buyers, providing insights into the challenges they face. The Bank of Canada's interest rate

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00:06:42

Episode 109: Economist Insights, Housing Market...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/21

In this episode, we kick off with an introduction and overview of the ongoing discussions around interest rate cuts. We delve into various economist perspectives on the economic strains facing Canada and predictions regarding future rate cuts. The episode examines how these interest rate cuts could impact the housing market, highlighting the challenges they present for homebuyers. We also provide a comparative analysis of the real estate markets in Mississauga and Bracebridge, offering insights into

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00:07:23

Episode 108: Market Trends, TRREB Highlights, and...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/20

In this episode, we welcome listeners to Episode 108, focusing on the latest updates in Ontario's real estate market. We discuss current market trends and highlight key insights from the TRREB report. The episode explores recent interest rate cuts from both global and Canadian perspectives, analyzing their potential impacts on the housing market. Expert opinions provide further understanding of how these rate cuts may affect homebuyers. The episode concludes with closing remarks and a preview of

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00:16:09

Episode 107: Mortgage Qualification Changes, Interest...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/19

In this episode, we start with a welcome and introduction before examining the recent changes in insured mortgage qualifications and the industry's reactions. We discuss pricing strategies and new insurance rules affecting Ontario's housing market. The episode also covers the Bank of Canada's interest rate cuts and their broader economic implications. We delve into the condo market dynamics, noting a decline in sales and discussing future outlooks. RBC's economic concerns and trends in the Canadian

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00:16:22

Episode 106: Job Market Dynamics, Interest Rate Cuts,...

Ontario Mortgage & Real Estate Insights Podcast ·

2024/10/18

In this episode, we begin with an introduction and overview before diving into RBC's analysis on job market dynamics and the risks associated with mortgage renewals. We discuss the recent interest rate cuts by the Bank of Canada and their impact on mortgages. Survey insights shed light on Canadians' readiness to buy or refinance, and we explore various influences on their housing market decisions. The episode also covers trends in housing starts across Canada and their regional implications. We

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505 results

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