Episodes

  • Episode 208: Interest Rate Cuts, Mortgage Reforms, and Economic Uncertainties Impacting Homebuyers

    Episode 208: Interest Rate Cuts, Mortgage Reforms, and Economic Uncertainties Impacting Homebuyers
    Jan 30 2025
    In this episode, we begin with a sponsor message from Real Approved Inc. before exploring the Bank of Canada's recent interest rate cut and its economic rationale. We delve into consolidated mortgage reforms and measures aimed at improving housing affordability. The discussion continues with an analysis of variable versus fixed mortgage rates in the context of the interest rate cuts. We then consider the potential impact of U.S. tariffs on the Canadian economy. Economists share their perspectives on global economic uncertainties and their influence on mortgage rates. The episode concludes with recommendations for homebuyers and homeowners navigating these market changes, followed by closing remarks and a sponsor message from Real Approved Inc.
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    16 mins
  • Episode 207: Interest Rate Cuts, Federal Housing Investment, and Kleinburg Real Estate Spotlight

    Episode 207: Interest Rate Cuts, Federal Housing Investment, and Kleinburg Real Estate Spotlight
    Jan 29 2025
    In this episode, we begin with a sponsor message before examining the implications of a recent interest rate cut and how tariffs are impacting the housing sector. We provide an update on Ontario real estate contract law and discuss the federal government's housing investments in the province. The role of the federal housing minister is highlighted, followed by insights into how snowbirds and climate change are affecting Florida's real estate market. We introduce Dexter John as the new CEO of FSRA and spotlight the real estate landscape in Kleinburg. The episode concludes with closing remarks and a final sponsor message.
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    19 mins
  • Episode 206: Development Charges, December Price Trends, and Winter Real Estate Dynamics

    Episode 206: Development Charges, December Price Trends, and Winter Real Estate Dynamics
    Jan 28 2025
    In this episode, we start with a sponsor mention before delving into the topic of development charges and their impact on housing affordability in Ontario. We share insights from David Wilkes on this issue. A comprehensive overview of the Canadian real estate market follows, focusing on December price trends across provincial markets, with an emphasis on notable price declines in Ontario. We introduce the Aveo Flex 40 Mortgage by CMLS Group, providing historical context and discussing regulatory aspects. Michelle Kam shares her expertise on winter real estate market dynamics, offering valuable tips for preparing homes for the spring market during the winter months.
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    13 mins
  • Episode 205: Decline in Average Rents, Affordable Housing Challenges, and Ontario's Housing Crisis

    Episode 205: Decline in Average Rents, Affordable Housing Challenges, and Ontario's Housing Crisis
    Jan 27 2025
    In this episode, we begin with a sponsor message from Real Approved Inc. before diving into current rental market trends, highlighting a decline in average asking rents. We explore factors affecting rental demand and offer predictions for future rent growth. The episode examines the challenges in purpose-built rental supply and affordable housing. We discuss the impact of population growth, housing construction, and federal investments in Ontario. The Canada Greener Affordable Housing program and National Housing Strategy are also featured. We address the housing crisis in northern Ontario, focusing on the lack of stock for young families, and the limited downsizing options for seniors, emphasizing the need for mid-range housing and government intervention.
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    10 mins
  • Episode 204: Younger Canadians' Mortgage Debt, Jasper Housing Crisis, and Provincial Plan Criticism

    Episode 204: Younger Canadians' Mortgage Debt, Jasper Housing Crisis, and Provincial Plan Criticism
    Jan 26 2025
    In this episode, we begin with a sponsor message from Real Approved Inc. before delving into the evolving mortgage debt trends among younger Canadians. We then shift focus to Jasper, Alberta, where the housing crisis has intensified following a recent wildfire. A critical examination of the provincial housing plan reveals various criticisms and areas for improvement. The episode concludes with a discussion on collaborative efforts in disaster recovery, highlighting the importance of coordinated action in rebuilding communities.
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    6 mins
  • Episode 203: Mortgage Renewals, GTHA Townhouse Surge, and New Home Price Decline Analysis

    Episode 203: Mortgage Renewals, GTHA Townhouse Surge, and New Home Price Decline Analysis
    Jan 25 2025
    In this episode, we explore The Great Renewal of fixed-rate mortgages, examining competitive strategies by banks and nonbank lenders and consumer behavior in high-interest environments. We discuss Canadian housing market trends, economic impacts, and offer advice for borrowers, including a future interest rate outlook. Discover the Secondary Suite Refinance Program and FSRA's new advertising guidelines for lenders. We analyze the decline in new home prices, the surge in GTHA townhouse sales, challenges in the condo market, and highlight seasonal real estate opportunities. The episode opens and closes with sponsor messages.
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    22 mins
  • Episode 202: Ontario Housing Crisis, RBC Poll, and Toronto Townhome Trends

    Episode 202: Ontario Housing Crisis, RBC Poll, and Toronto Townhome Trends
    Jan 24 2025
    In this episode, we start with an update on Ontario's housing market, examining efforts to combat the housing crisis across provinces. We explore the challenges faced by homebuilders in Ontario, including financial struggles. A recent RBC poll reveals insights into Canadians' financial security. The episode also covers the Bank of Canada's interest rate outlook and its implications. We delve into townhomes as the latest hot property trend in Toronto. The episode concludes with a sponsor message from FSRA, providing guidance on mortgage broker advertising.
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    14 mins
  • Episode 201: BoC Rate Predictions, TD Mortgage Sale, and Ottawa Housing Trends

    Episode 201: BoC Rate Predictions, TD Mortgage Sale, and Ottawa Housing Trends
    Jan 23 2025
    In this episode, Steve Hamoen welcomes listeners and kicks off with an analysis of the Bank of Canada's latest interest rate announcements and predictions. The discussion explores how these rates affect consumer spending and mortgage dynamics. We then delve into TD Bank's recent mortgage sale and restructuring efforts. The episode highlights trends in Ottawa's housing market and Canada's future housing needs, considering the impact of federal immigration levels. We address challenges developers face in the current market and provide a summary of Canada's evolving housing landscape. The episode concludes with a sponsor message from Real Approved Inc.
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    13 mins