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Here's What's New
Ron & Sacha review the Breaking News on Mortgage Rates. Canadian 5 - Yr Bond Yields push 5 - Yr Fixed Rate Mortgage in the low 4% Range, the Sweet, SWEET 3.64% 5 - Yr Fixed Rates are gone, is it time to Switch Back to Variable
Also a flurry of house purchases in a really terrible Resale Market: what going on? It's Interesting: all the purchases were LESS than the list prices
And Ron has a message for BC Premier Dave Eby..... not a nice one
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Want to Build Your Own House?
Derek is the President of Westboro MIC & one of their Specialties is providing Construction Mortgages to Ontarians to build their own homes. It's complicated, the Borrower needs a lot of cash to get started & should be prepared to for a complex process to finish but it's possible
Ron & Derek cover the Private Lending landscape in detail
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Nobody Knows Real Estate Like An Expert Lender
Nick Is one of the very top Equity Lenders in Canada
His Company RiverRock Mortgage Investment Corporation is one of the best run operations in Ontario
Ron & Nick break down Product & Regions in Real Estate & Mortgage all across Ontario
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On The Street Mortgage Broker Feedback
Rob is one of our favorite guests & this Pod is so damn funny
What's going on in Mortgage World: Purchases way down, Renewals & Refinances way up
How the economy impacts on Mortgage Choices & it is really starting to go in direction
What should we expect from the economy in the next 2 quarters
And GOD SAVE KING CHUCK
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What A Finish!
One of the most hard fought & important elections in generations comes to a close & some people are cheering & others in tears
And Real Estate in Ontario in particular is entering a new phase of worries & most importantly the need for urgent attention to Low Rise Housing development had never been more compelling
Ron really loses it on the insanity of the GreenbeltSupport the show
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Trump Moves Mortgage Rates In Canada
Sweet Jiminy Crickets who would have thought a US President could swing Mortgage Rates so far, so fast: Ron covers it. What happens April 16th? What will the Bank of Canada do? Cut or hold? Where will Prime go during the year
What are the 3 biggest lies in the Mortgage business: we have lots more than 3 and we are going to cover them all
And Ron's Gross Rant: the craziness of Politicians promising to build 500K Homes a year
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A real pleasure to have Legal Closing Founder & Ace Real Estate lawyer on the Show
This is the ultimate Deep Dive on the 416 Condo Crash & it's all the gritty details, we will go all the way back to 2010 & track every step on the road to the Disaster Toronto Dog Crate Condos face in the next 24 months
Big Episode but we'll worth it
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Canada's Economy in the Crosshairs, the constant assault of the Trump Tariffs / Trade War looms over every strategic thought in Canada today & the uncertainty of the future of auto parts & car assembly plants can change the Bank of Canada's approach to Rate Cuts in a huge way
What happens on April 16th
Will Inflation come back
What Mortgage Rate to take
Let's get into it
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Really a privilege to have Julian on the Pod, CAPREIT is the largest Landlord in Canada & the spotlight on affordable Rental Housing is bigger than ever
We cover:
- Why huge professional Landlords just make more sense
- Why Renters may be much better off with REIT managed properties than Mom & Pop Landlords
- The coming 416 Condo Crash & the implications for the Rental Market
- How Dog Crate Condo reductivism betrayed Renter & Investors
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We break down last week's BoC Rate Cut & the future of Mortgage Rates for the next few months
How does it affect the Housing Market moving forward? Because there is a lot going on in Real Estate! Listings are piling up, sales have fallen off a cliff, Mortgage Underwriting is tightening up
We are entering into a whole new world of Real Estate in Canada
And Ron had a HUGE rant to make
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All about Commercial Mortgages
For the first time on the Pod a deep dive on the Commercial Mortgage Market
What are the trends, what's the Outlook, what to expect next year
The effect of the Trump Tariffs are highly impactful on the Commercial Mortgage World. Vanessa discusses how just the FEAR of a Trade War is rippling through Canada: just how hard will it be to get a Commercial Mortgage done?
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The CEO of the largest Residential Real Estate lawyer in Canada Axess Law is our guest & do we have some interesting facts about Fraud attempts at the Lawyer's Office
Elder Abuse is off the charts when it comes to adult children trying to take advantage of elderly parents through Title & Mortgage Fraud & the stories about FAKE Wives are both sad & hilarious
Welcome to the world of RE law that you have never known before
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And why does it take so long to get anything in Ontario approved: I have the right person to give those answers.
Our Special Guest Ian Jones has nearly 60 years of experience building Condo, Commercial Mixed Use & you name it in North America
He had lived through the highs & lows of those 60 years of Building & Development in Ontario & no one can tell the story of the coming Condo Crash, the relentless challenges of Government induced expense & complexity better than Ian
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Today Fixed Mortgage in Canada have become a part of the ever changing, never calm, always in turmoil world of Donald Trump: Tariffs ON / Tariffs OFF / Tariffs for the Whole World. And throw in some US Federal Reserve Chairman Powell for a bit of extra action. Canada Bond Yields & Fixed Rates fell 2 weeks ago & 3.94% 5 – Yr Fixed Rates popped up everywhere, a week later Bond Yields retraced 20 bps & very low 4% became more normal. Let’s assume after Jerome Powells Hawkish stance that the US Fed has stopped Cutting for awhile (don’t believe the no cuts for a year stuff)
On the Canadian Housing front although Detached Sales showed signs of Life the Future of Pre-Construction Dog Crate Condos in 416 looks dark indeed. And in BC Premier Eby who was a leader in the fight for affordable housing is feeling the heat of a Big Budget Deficit. And Ron’s Rant points towards the future of Canadian Jobs & Economic well being.
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The big story of last week in Real Estate was a big downward shift in Fixed Mortgage Rates in Canada. Many Fixed Rates dropped below 4% with brief flashes of 3.84% on CMHC purchases
Some Conventional Rates under 4%
BIG DIFFERENCE from 4.59% - 4.39% just 2 months ago. Does this mean now is a good time to buy a house? MAYBE But with the return of the Trump Tariffs a possibility is buying a home today to chancy
And welcome Jeanine Borges our Butler Mortgage Office Manager to the Podcast & NO she didn't lose a bet with Sacha
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When we record the Pod on Friday there was still debate when Tariffs will start & whether Oil & Gas would be a carve out but please hear this: the volatility on Mortgage Rates is big. Huge fluctuations in 3 & 5 year bond yields are creating a Roller Coaster effect which may lead to lower rates this week
Resale Purchase business had ticked up in January but still tons of listings so a Buyers' Market which creates some of its own chaos
Bottom line? Mortgage Borrowers MUST shop for best rate
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Scott is the Manager for the Biggest Private Consumer Insolvency Firm in Ontario: Hoyes Michalos. Insolvencies based on Real Estate related issues have soared in the last 18 months.& Scott has the insights & analysis from the ground floor of the financial disaster zones
The lessons of Co-signers, the perils of building a rental empire, the confluence of everything going wrong at once & what can be done to work out debt problems. An episode packed with unique insights .
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Sometimes you must investigate what is going in the trenches of the mortgage business: what are borrowers saying, what they are they thinking. This week we have Sacha Fabry a Front-Line Mortgage Broker at our company who is fielding over 100 calls a week from mortgage borrowers. What kind of mortgage do they want, how bad are the renewal increases, is there really a mortgage rate WAR at the Banks? Why to NEVER trust the First Rate you are offered? Is it genuinely getting harder to get a mortgage? All this and more at Angry Mortgage.
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We needed a bigger Podcast to accommodate one of the most important people in the Mortgage Business: John Webster. John's contribution to the Mortgage Brokerage space is legendary & we cover the history of his innovations, breakthroughs & domination of Mortgage Broker Origination. We touch on Housing Policy, Mortgage Qualification & the implications of the new LTI Portfolio Rules & how they will effect mortgage borrowers in Canada. And how John is standing up a whole new mortgage operation: Maple Financial revolutionize Alternative Lending in Canada
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Rob is back on the show a record fourth occasion because well, he's just that good a guest. Let's talk Mortgages: what's the truth about the massive renewal year we will have in 2025, huge boom for mortgage professionals or total bust as incumbent lenders match every rate offer. What about home buyers? Where are they? Are there any First time home buyers? What about the rental marke? Where are mortgage rates going? Finally Canada will have a new Government soon. What effect on mortgages & the housing market?
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