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PODCAST

Canadian Private Lenders’ Podcast

Neal Andreino and Ryan MacNeil

The #1 Podcast on Private Mortgage Lending in Canada. Ryan MacNeil and Neal Andreino of Keystone Capital Group outline their private mortgage lending experience and help you grow your mortgage business, while focusing on the importance of the growing Canadian Mortgage Broker channel.

business investing

All Episodes

29:05

Ep.123 | Who Actually Uses Private Lending? 7 Real...

Canadian Private Lenders’ Podcast ·

2026/03/04

In this episode of the Canadian Private Lenders Podcast, Ryan and Neal revisit one of their earliest and most popular discussions, the borrower profiles that benefit most from private lending. Since the original conversation nearly 120 episodes ago, the lending market has evolved significantly. With tighter bank lending, shifting real estate markets, and new investor strategies emerging across Canada, private lending has become a strategic financial tool rather than just a last resort. Ryan a...

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33:40

Ep.122 | Nova Scotia’s 2% Down Payment Program: Smart...

Canadian Private Lenders’ Podcast ·

2026/02/20

Nova Scotia has launched a new 2% down payment pilot program for first-time homebuyers, and it’s making headlines across the mortgage industry. But when you break down the math, does this actually help buyers… or does it increase long-term costs, tighten affordability through stress testing, and expose taxpayers to more risk? In this episode, Ryan and Neal unpack: How the new 2% program compares to Nova Scotia’s existing 0% down programThe impact of higher interest rates and stress testingWhy...

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47:31

Ep.121 | The Black Belt Broker: Jack Cameron on...

Canadian Private Lenders’ Podcast ·

2026/02/18

In this episode of the Canadian Private Lenders Podcast, Ryan and Neal sit down with Jack Cameron, 24-year mortgage veteran from The Way Home Mortgage at Premier Mortgage in Halifax. Jack shares how he left the bank in 2002 with no ringing phone and built one of the most respected careers in Atlantic Canada’s broker space. We dive into: The evolution of broker market share in Atlantic CanadaWhy private lending took so long to develop in the East CoastThe discipline behind building elite mortg...

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48:48

Ep.120 | From Dishwasher to Top Broker: Alex Lavender...

Canadian Private Lenders’ Podcast ·

2026/02/11

In Episode 120 of the Canadian Private Lenders Podcast, Ryan and Neal sit down with Alex Lavender of the Clinton Wilkins Mortgage Team to unpack his journey of becoming one of Atlantic Canada’s top mortgage brokers. Alex shares how starting with zero network in Halifax forced him to master alternative lending, why unbiased advice and client-first service became the foundation of his success, and how mentorship, marketing, and persistence shaped his career. The conversation also dives deep int...

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40:33

Ep.119 | The Future of Private Lending in Canada (AI,...

Canadian Private Lenders’ Podcast ·

2026/02/04

In Episode 119 of the Canadian Private Lenders Podcast, Ryan and Neal break down how mortgage renewals, higher rates, AI, open banking, fraud controls, and regulation are reshaping private and alternative lending across Canada. They explain why more borrowers are moving into private lending, how underwriting is evolving, and what lenders, brokers, and investors need to understand as they head into 2025–2026. This episode covers: • The mortgage renewal wave and rising payment shock • Why the p...

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35:29

Ep.118 | Why Montreal’s Housing Market Is Beating...

Canadian Private Lenders’ Podcast ·

2026/01/28

In Episode 118 of the Canadian Private Lenders Podcast, Ryan and Neal break down the latest Canadian jobs data and what rising unemployment means for interest rates and mortgage strategy heading into 2026. They then turn their attention to a market that rarely gets the spotlight: Montreal. With home sales up, prices rising, and inventory remaining tight, Montreal is emerging as one of Canada’s most resilient major housing markets, especially when compared to Toronto and Vancouver. The episode...

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42:17

Ep.117 | The 5 Biggest Mistakes Private Lenders Make...

Canadian Private Lenders’ Podcast ·

2026/01/21

In Episode 117 of the Canadian Private Lenders' Podcast, hosts Ryan and Neal break down the five most common and costly mistakes private lenders make when scaling their businesses. Drawing directly on their experience growing Keystone past $25 M in AUM, they unpack real-world lessons on infrastructure, software, deal quality, hiring, and recognizing early market cracks before they turn into serious problems. This episode is a must-listen for: New and emerging private lendersMortgage brok...

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45:56

Ep.116 | Scaling a Private Lending Business to $25M...

Canadian Private Lenders’ Podcast ·

2026/01/14

In Episode 116 of the Canadian Private Lender's Podcast Ryan and Neal break down what it really takes to scale a private lending business from $10M to $25M in assets under management in just over two years. They go beyond surface-level growth talk and dive into the realities of scaling: operational strain, investor confidence, underwriting discipline, capital flow challenges, and why saying no becomes more important than saying yes. From team expansion and MIC structuring to managing risk in ...

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42:15

Ep.115 | Fix & Flips in 2026: Market Reality, Risk,...

Canadian Private Lenders’ Podcast ·

2026/01/07

Welcome back to Episode 115 of the Canadian Private Lenders Podcast! Ryan and Neal kick off 2026 by breaking down what fix-and-flip investing really looks like in today’s more balanced Canadian real estate market. With buyer behavior shifting, inventory rising, and exits becoming less predictable, this episode dives into where opportunities still exist, and where lenders and investors need to be far more conservative. The conversation covers real-world market conditions in Halifax, the GTA, a...

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40:45

Ep.114 | 2025 Recap & 2026 Predictions: Rates,...

Canadian Private Lenders’ Podcast ·

2025/12/31

In Episode 114 of the Canadian Private Lenders Podcast, Ryan and Neal wrap up 2025 by reviewing their bold economic and housing predictions, and grading themselves on what they got right (and wrong). They break down RE/MAX’s controversial condo recovery forecast, analyze rate cuts from the Bank of Canada, unpack national and Atlantic Canada housing trends, and debate what 2026 could look like for home prices, housing starts, immigration, and the Canadian dollar. This episode is a grounded, no...

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37:35

Ep.113 | Inside Keystone MIC: The Founders’ Story,...

Canadian Private Lenders’ Podcast ·

2025/12/24

In this special episode of the Canadian Private Lenders Podcast, the Keystone team flips the script. Ryan, Neal, Sam and Zach sit down for an in-depth conversation on how Keystone Mortgage Investment Corp was built, from working out of a living room and funding the first deal with personal lines of credit, to launching a fully structured MIC with registered investments. The team breaks down their individual roles, how brokers can submit stronger deals, what investors want to know before commi...

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35:11

Ep.112 | The Core Private Lending Deals Every Broker...

Canadian Private Lenders’ Podcast ·

2025/12/17

In this solo episode of the Canadian Private Lenders Podcast, Ryan MacNeil breaks down the core types of private lending deals and explains when, and why, they make sense for brokers, investors, and borrowers. Ryan starts with major industry news, including EQ Bank’s acquisition of PC Financial, before diving deep into Keystone’s most common loan structures. From single-family construction and renovation loans to quick-close purchases, refinances, and bridge loans, this episode explains how p...

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31:28

Ep.111 | How $82 Billion in Defense Spending Could...

Canadian Private Lenders’ Podcast ·

2025/12/10

In Episode 111 of the Canadian Private Lenders Podcast, Ryan and Neal bring the focus home to Halifax and Nova Scotia, breaking down how Canada’s newly announced $82 billion in defense and aerospace spending over the next five years could transform the local economy, job market, industrial landscape, and housing demand. From Irving Shipbuilding’s growing footprint to the surge in military procurement, the hosts explore who the major winners may be, what risks still exist, and how private lend...

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35:11

Ep.110 | 50-Year Mortgages: Affordability Fix or...

Canadian Private Lenders’ Podcast ·

2025/12/03

In Episode 110 of the Canadian Private Lenders Podcast, Ryan and Neal break in their brand-new studio with a deep dive into one of the hottest topics circulating in the real estate and lending world: the rise of 50-year mortgages in the United States. The hosts unpack what a 50-year mortgage actually looks like, who benefits, why the U.S. is considering them, and whether Canada would ever dare to follow. Along the way, they explore current housing forecasts, affordability breakdowns across Ca...

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50:31

Ep.109 | Inside Tembo Financial: Speed, Direct...

Canadian Private Lenders’ Podcast ·

2025/11/26

In Episode 109 of the Canadian Private Lenders Podcast, hosts Ryan MacNeil and Neal Andreino sit down with Arlen Ekstein, VP of Sales & Marketing at Tembo Financial, one of Ontario’s fastest and most flexible direct private lenders. Arlen shares his journey from sponsorship sales into private lending, the origin story of Tembo Financial, and how the company built its reputation on speed, transparency, and customer-centric lending. He also gives a candid take on today’s volatile Ontario ...

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65:06

Ep.108 | Neighbourhood Holdings x Fisgard: The...

Canadian Private Lenders’ Podcast ·

2025/11/19

In this episode of the Canadian Private Lenders Podcast, Ryan MacNeil and Neal Andreino sit down with Taylor Little (CEO) and Jared Stanley (SVP of Originations) from Neighbourhood Holdings to unpack one of the most significant moments in Canadian private lending history, Neighbourhood’s acquisition of Fisgard Asset Management. Together, they walk through how the deal came together, why consolidation is accelerating across the MIC and private lending industry, and what this merger means for b...

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38:33

Ep.107 | Insurance Every Private Lender Needs:...

Canadian Private Lenders’ Podcast ·

2025/11/12

In this episode of The Canadian Private Lenders Podcast, hosts Ryan MacNeil and Neal Andreino dive deep into one of the least glamorous but most critical aspects of private lending, insurance. From title and homeowner’s insurance to blanket mortgage impairment, E&O coverage, and even cyber and key person insurance, they break down what every lender needs to stay protected. Ryan also shares a real-life million-dollar fire story that could have ended in disaster, but didn’t, thanks to prope...

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49:17

Ep.106 | Benjamin Sammut on MIC Growth, M&A, and...

Canadian Private Lenders’ Podcast ·

2025/11/05

In Episode 106 of the Canadian Private Lenders Podcast, hosts Ryan MacNeil and Neal Andreino sit down with Benjamin Sammut, Founder & Principal of Dabble Capital Advisory, for a deep dive into how institutional money is reshaping Canada’s private lending landscape. Benjamin shares how he transitioned from growing up in a family of mortgage brokers to building a firm that bridges the gap between MICs and global asset managers. Together, they unpack what’s next for capital raising, M&...

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38:01

Ep.105 | Inside RiverRock MIC: Nick Kyprianou

Canadian Private Lenders’ Podcast ·

2025/10/29

In this final episode from The Canadian Mortgage Summit, hosts Neal Andreino and Ryan MacNeil sit down with Nick Kyprianou, CEO & Founder of RiverRock MIC, to unpack nearly four decades of mortgage industry experience. Nick shares how he helped grow Home Trust from $200 million to $17 billion, how he built RiverRock into one of Ontario’s most disciplined private lenders, and what today’s market can learn from the brutal housing downturn of the early ’90s. From 24-hour turnaround times to ...

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16:10

Ep.104 | How Shane Lakhani and CMP Built Canada’s...

Canadian Private Lenders’ Podcast ·

2025/10/22

In this episode of the Canadian Private Lenders Podcast, hosts Ryan MacNeil and Neal Andreino sit down with Shane Lakhani, Business Development Manager at Canadian Mortgage Professional (CMP) and the mastermind behind the Canadian Mortgage Summit. Shane shares how CMP grew the event from a small industry gathering into a 1,600-attendee powerhouse, bringing together private, alternative, and institutional lenders from across the country. From his unexpected journey from Bay Street to event pro...

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123 results

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