Episodes

  • Episode 127: Mortgage Rules, Home Prices, and Toronto Real Estate Trends

    Episode 127: Mortgage Rules, Home Prices, and Toronto Real Estate Trends
    Nov 8 2024
    In this episode, we delve into recent mortgage rule changes and their effects, examining the supply-demand imbalance impacting home prices. We discuss finance costs, extended amortizations, lender capital requirements, and inflation targets, all influencing mortgage rate forecasts and policy reforms. We also explore borrower transitions between lenders, the link between fixed mortgage rates and bond yields, and provide insights into North York's property sales and Toronto's real estate trends. Additionally, we cover national rent price dynamics, average asking rents, and halal mortgage options amid Montreal's market surge. A message from our sponsor, Real Approved, is included.
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    21 mins
  • Episode 126: Toronto Home Sales, Rate Cuts Impact, and Mortgage Market Challenges

    Episode 126: Toronto Home Sales, Rate Cuts Impact, and Mortgage Market Challenges
    Nov 7 2024
    In this episode, we delve into Toronto's home sales and market trends for October, providing a snapshot of the current housing landscape. We analyze how the housing market is responding to the Bank of Canada's recent rate cuts, focusing on the effects of decreasing interest rates on household spending and budgets. The episode also covers regulatory changes and the challenges faced by the mortgage market. Insights from Carolyn Rogers contribute to discussions on housing policy. We conclude with historical and international perspectives on mortgage market stability, offering a comprehensive view of the factors shaping the industry today.
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    11 mins
  • Episode 125: Mortgage Renewals, Interest Rate Cuts, and 2025-2029 Market Predictions

    Episode 125: Mortgage Renewals, Interest Rate Cuts, and 2025-2029 Market Predictions
    Nov 6 2024
    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 technological advancements shaping the real estate sector. A message from our sponsor, Real Approved, is included.
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    11 mins
  • Episode 124: Mortgage Debt Growth, Investor Dynamics, and Interest Rate Cuts

    Episode 124: Mortgage Debt Growth, Investor Dynamics, and Interest Rate Cuts
    Nov 5 2024
    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 rate cuts on mortgage renewals, providing a comprehensive overview of the evolving landscape.
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    18 mins
  • Episode 123: Ontario's Population Dynamics, Toronto Condo Price Decline, and Mortgage Debt Trends

    Episode 123: Ontario's Population Dynamics, Toronto Condo Price Decline, and Mortgage Debt Trends
    Nov 4 2024
    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 remarks and a sign-off, summarizing the key insights discussed.
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    15 mins
  • Episode 122: First National Earnings, Mortgage Caps, and Commercial Lending Trends

    Episode 122: First National Earnings, Mortgage Caps, and Commercial Lending Trends
    Nov 3 2024
    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 discuss current trends and projections in commercial lending. The episode concludes with a summary of key insights and closing remarks.
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    5 mins
  • Episode 121: Ontario Housing Targets, Condo Sales Decline, and Immigration Policy Impact

    Episode 121: Ontario Housing Targets, Condo Sales Decline, and Immigration Policy Impact
    Nov 2 2024
    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, interprovincial migration, and their effects on housing costs. The episode concludes with a discussion on penalties in the mortgage industry and closing remarks.
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    16 mins
  • Episode 120: Ontario Market Update, Interest Rate Trends, and MPC Conference Insights

    Episode 120: Ontario Market Update, Interest Rate Trends, and MPC Conference Insights
    Nov 1 2024
    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 the introduction of new compliance tools. A sponsor message from Centum Financial Group follows, before delving into British Columbia's anti-money laundering efforts.
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    19 mins