In this episode, we begin with an introduction by Steve Hamoen, followed by a sponsor message from Real Approved Inc. We delve into the CMHC Residential Mortgage Industry Report, focusing on mortgage delinquencies. The discussion then shifts to Ontario's new real estate legislation and its potential impact on the market. We provide an update on the…

Learn the secrets of creative financing and real estate entrepreneurship in Ontario. This DOUBLE LENGTH class is Module 38 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: What is creative financing and how to use it as a real estate investor The 6 types of creative financing Why you should only do deal…

Have a real estate question? Click here to text me! - Phil In this episode, London Ontario real estate agent and host Phil Bailey is joined by Karl Ossenkopp to discuss the complexities of divorce, particularly in relation to real estate transactions. Karl shares his personal experiences and professional insights as a financial planner and family m…

In this episode, we start with a welcome and an overview of the GST rebate. Following a sponsor message from Real Approved Inc., we delve into Ottawa's proposal for a GST rebate on new homes, discussing its potential impact on the housing market. We then provide an update from CMHC on condo markets and explore investor stress. Economic developments…

In this episode, we begin with an introduction to the podcast and a sponsor message from Real Approved Inc. We discuss Ontario's rising unemployment rate and the potential impacts of immigration on the housing market. The conversation shifts to changes in buyer behavior within the GTA real estate market. We then examine variations in the real estat…

In this episode, we kick off with an introduction to the podcast and a sponsor message from Real Approved Inc. We then explore the dynamics of housing demand and construction supply in Toronto. The discussion moves to federal and Toronto-specific initiatives aimed at improving housing affordability. We analyze the Bank of Canada's latest interest r…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into a TransUnion report that highlights consumer debt and its impact on the housing market. The discussion then shifts to the importance of mortgage readiness and financial education. We address economic stress and offer advice…

In this episode, we start with an introduction and a sponsor message from Real Approved Inc. The discussion moves to OSFI's proposed loan-to-income regulations and their potential implementation. Expert opinions weigh in on the balance between market stability and housing affordability. We provide an outlook on interest and mortgage rates, along wi…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We dive into the topic of mortgage renewals, addressing homeowner concerns and financial adjustments. The discussion shifts to the Bank of Canada's interest rate decision and its implications for the housing market. We explore the federa…

In this episode, we start with a welcome and introduction, followed by a sponsor message from Real Approved Inc. The discussion centers on the Bank of Canada's interest rate decision and its impact on the housing market. We analyze the decline in Ontario home prices and explore the potential for a rebound. The conversation shifts to government ince…

In this episode, we begin with an introduction and a discussion on the key interest rate, followed by a sponsor message from Real Approved Inc. We dive into the ongoing debate surrounding the mortgage stress test and provide an update on the Greater Toronto Area market. The conversation continues with an update on FSRA's recent enforcement actions.…

In this episode, we kick off with an introduction to the podcast and a sponsor message from Real Approved Inc. We explore recent shifts in fixed mortgage rates and the resulting market dynamics. Discussion includes borrower strategies for navigating uncertain times and a comprehensive update on the Toronto condo market with strategic approaches. We…

In this episode, we begin with a welcome and an introduction, followed by a sponsor message from Real Approved Inc. We discuss the Bank of Canada's interest rate decision and its implications for the market, along with the rebound in Canadian 10-year government bond yields amid trade tensions. The importance of staying informed in the real estate a…

In this episode, we start with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We then explore real estate opportunities in Northern Ontario, highlighting the potential for growth in this region. The discussion shifts to a spotlight on commercial properties, examining current market trends and potential investment …

In this episode, we begin with a welcome and an overview, followed by a sponsor message from Real Approved Inc. We delve into RBC's mortgage delinquencies and the effects of high interest rates on the market. The discussion shifts to the risks associated with high-rise condos and commercial real estate. We explore the growing inequality in home own…

In this episode, we begin with an introduction and a discussion on recent legal developments, followed by a sponsor message from Real Approved Inc. We explore the topic of syndicated mortgages and the increase in mortgage delinquencies. The episode examines how current economic conditions are impacting retirees and causing shifts in the housing mar…

Learn the secrets of 1031 tax deferred exchanges in Ontario. This class is Module 37 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: What is a 1031 tax-deferred exchange? What are the key aspects of a 1031? The 4 types of 1031 tax-deferred exchanges and when we use each Defining like-kind and understan…

In this episode, we open with an introduction and a look at current market trends, followed by a sponsor message from Real Approved Inc. The discussion then shifts to common mistakes made by first-time buyers amid economic uncertainties, and the opportunities and challenges present in today's market. We review insights from the Task Force for Housi…

In this episode, we start with an introduction to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We examine trends in Ontario's mortgage delinquency and missed payments, and discuss the 'great renewal' effect on mortgage originations. The episode delves into the current state of mortgage r…

In this episode, we start with an introduction to the podcast, followed by a sponsor message from Real Approved Inc. We discuss the rise in mortgage delinquencies and the factors contributing to this trend, as well as national credit card delinquency patterns. The episode highlights an increase in new mortgage originations before exploring the Home…

In this episode, we begin with a welcome and introduction by Steve Hamoen, followed by a sponsor message from Real Approved Inc. We explore recent economic news and its impact on the housing market. The discussion includes the Bank of Canada's outlook on unemployment and inflation, as well as the political landscape and its influence on economic pr…

In this episode, we kick off with an introduction to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We discuss the latest CMHC report, highlighting financial strain on homeowners and available options. The episode then shifts to TD Bank's recent earnings, examining mortgage volumes and pro…

In this episode, we begin with a welcome and a sponsor message from Real Approved Inc. The episode features a debate on housing affordability, examining various government perspectives. We then delve into the current state of Ontario's real estate market and its economic impacts. Insights from the CMHC Mortgage Consumer Survey are discussed, sheddi…

In this episode, we begin with a welcome and an overview, followed by a sponsor message from Real Approved Inc. We discuss the surge in bond yields amid economic uncertainty and its impact on mortgage rates. The conversation then shifts to real estate market dynamics, focusing on the decline in home sales and emerging non-traditional funding trends…

Learn the secrets of buying new construction properties in Ontario. This class is Module 36 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The pros and cons of investing in real estate with new construction properties What price of new construction should you focus on for investments Different builder…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into the Bank of Montreal's Real Financial Progress Index, examining its insights into market confidence. The discussion then shifts to financial help and shared ownership trends amid rising mortgage rates. We explore how recent…

In this episode, we start with a welcome and overview, followed by a sponsor message from Real Approved Inc. We discuss the Canadian housing market downturn amid economic uncertainty and examine Ontario's housing market decline and price trends. The episode explores macroeconomic influences on real estate, including housing starts developments and …

In this episode, we begin with a welcome and an overview of Ontario's housing market, followed by a sponsor message from Real Approved Inc. We delve into a legal case concerning unexpected utility-related charges, highlighting its implications for homeowners. The discussion then shifts to recent developments in the bond market and their impact on m…

In this episode, we start with an introduction and overview of Ontario's housing market, followed by a sponsor message from Real Approved Inc. We explore the challenges and implications of Ontario's ambitious housing target, delving into trends in real estate prices and household debt. The episode also features a comparison of Canadian and US labor…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. The discussion focuses on the current state of the cottage market, highlighting the financial challenges faced by buyers and sellers. We provide a regional market analysis, examining the impact of tariffs on the real estate sector. The e…

In this episode, we kick off with a welcome and an introduction of our sponsor, Real Approved Inc. The discussion centers on Canadian household debt and emerging mortgage trends, offering valuable insights into the financial landscape. We delve into how various economic factors are influencing Ontario's real estate market, providing a comprehensive…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Incorporated. We discuss housing starts and spring market trends, providing insights into the current real estate climate. The episode covers a compliance order issued against Razer Capital Corporation and examines how federal debt influences…

Learn the secrets of short-term rental properties in Ontario. This class is Module 35 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: What are the different variations of short-term rentals and what are some of the pros and cons of each. What are the most common ways to finance properties that you’re u…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Incorporated. We explore the factors influencing Canadian mortgage rates and examine trends in mortgage renewals and home purchases. The discussion shifts to a national decline in home sales and a market analysis, with a focus on Toronto's ev…

In this episode, we begin with a welcome and a sponsor introduction from Real Approved Inc. We explore spring real estate market trends and home sales dynamics, offering insights into neighborhood market performance, best value, and sales velocity. The discussion shifts to private lending, Mortgage Investment Corporations (MICs), and the standards …

In this episode, we start with a welcome and introduction to the Ontario Housing Bill, followed by a sponsor message from Real Approved Inc. We delve into the key provisions and financial implications of the new housing bill, highlighting the standardization of building codes and the expansion of Minister's Zoning Orders (MZOs). We explore industry…

In this episode, we start with an introduction and welcome, followed by a sponsor message from Real Approved Inc. We provide an overview of the weekly economic calendar and discuss housing market trends, including starts, permits, and sales. We highlight a warning from the Financial Services Regulatory Authority of Ontario and explore federal insig…

In this episode, we begin with a welcome and overview, followed by a sponsor message from Real Approved Inc. We discuss the surge in Canadian mortgage impairments, identifying who is falling behind. The conversation shifts to policy changes and RBC's warning about a potential real estate downturn. We examine the influence of global trade on local r…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We discuss the Bank of Canada's interest rate policy, including the potential for rate cuts, and provide economic insights on unemployment, job growth, and trade tensions. We review the Financial Stability Report, focusing on mortgage im…

In this episode, we begin with an introduction and episode overview, followed by a sponsor message from Real Approved Inc. We examine the impact of mortgage renewals and higher payments on Canadian households, and stress within mortgage portfolios of medium-sized banks. The discussion covers potential effects of a prolonged trade war on the housing…

Learn the secrets of improving cash flow by buying down your mortgage interest rates on rental properties in Ontario. This class is Module 34 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: How improving cash flow by buying down your mortgage interest can help you get to financial independence faster a…

In this episode, we kick off with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into the cooling trend in Canada's housing market and the drop in home sales, exploring opportunities this presents for buyers. We discuss the updated Continuing Education requirements by FSRA and the role of technology in th…

In this episode, we start with a warm welcome and a message from our sponsor, Real Approved Inc. We dive into Toronto's real estate market, discussing the effects of global trade tensions on housing prices. We analyze new listings, inventory trends, and political influences in the GTA. The episode also offers a housing market overview in King, Onta…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We explore interest rates and Canadian homebuyer trends, then gain housing market insights from Robert Kavcic. The discussion shifts to alternative homeownership approaches in Canada, Toronto home prices, and the Real Estate Board's Apri…

In this episode, we begin with a welcome and introduction, featuring insights from an economist. A sponsor message from Real Approved Inc. follows. We then discuss Canadian homebuilding and the challenges of affordability, examining how immigration policy is affecting the real estate market. The conversation shifts to Toronto's unsold condos and th…

In this episode, we start with a welcome to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We delve into the challenges of 'forever mortgages' and the rising homeowner debt, examining how central bank policies are affecting mortgage payments and contributing to financial strain. Equifax Ca…

In this episode, we kick off with an introduction and a look at current mortgage market trends, followed by a sponsor message from Real Approved Inc. We then discuss the Ontario Superior Court's involvement in the Sussman Mortgage Funding case, highlighting its implications for the industry. The conversation moves to the Financial Services Regulato…

In this episode, we begin with a welcome and a sponsor message from Real Approved Inc. We then provide an overview of Ontario's housing market, examining the impact of new condos. The discussion moves to trends among multi-property owners and indicators of financial stress. We explore the experiences of first-time homebuyers and current renovation …

Learn the secrets of comparable sales to determine property value in Ontario. This class is Module 33 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: How do you know if you’re paying a good price for a property you’re buying (not too high)? How do you know if you’re getting for a good price for a prope…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. The discussion opens with the Bank of Canada's interest rates and the associated economic risks. We explore the impact and predictions for mortgage holders, considering refinancing, debt management, and spring housing market trends. The …