In this episode, we begin with a welcome and introduction, setting the stage for a detailed exploration of recent market updates, including the growth of rental housing in Canada's major cities and a decline in housing starts. We address pressing concerns around housing supply and affordability in Canada. The episode also covers a mortgage market o…

Having a solid understanding of historical market stats is important for investing in real estate in Ontario. This class is Module 2 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: Should you try to “time the market” using data to increase profitability? How much are properties selling for? Do property…

Have a real estate question? Click here to text me! - Phil On this episode of The London Ontario Real Estate Podcast local real estate agent Phil Bailey chats with Andy Goddard, a local insurance agent with Allstate in Ontario. Andy discusses his insurance tips to save you money, how to avoid insurance "red flags", and why you should consider insur…

In this episode, we start with an introduction and overview, setting the context for a comprehensive discussion on the Canadian housing outlook, the current interest rate environment, and new federal mortgage rules. We provide regional housing market forecasts, addressing challenges and affordable housing concerns. The episode delves into criticism…

In this episode, we begin with a welcome and introduction, setting the stage for an insightful discussion on the Bank of Canada's perspective on inflation and the associated economic risks. We then explore the federal government's strategies to address housing affordability challenges. The episode delves into the luxury real estate market, analyzin…

In this episode, we kick off with a welcome and an introduction to Weclose, examining its impact on the Canadian banking sector. We delve into the challenges faced by Canadian banks, particularly EQ Bank and Wealthsimple, and discuss their strategies to navigate the competitive landscape. A comparison of banking fees is provided, highlighting EQ Ba…

In this episode, we begin with an introduction and overview, setting the stage for a discussion on the US Federal Reserve's recent interest rate cut and the Canadian economic response. We explore the factors influencing the Bank of Canada's rate decisions and how these affect mortgages across the country. Our Weekend Reading segment focuses on new …

In this episode, we start with a welcome and an overview of the latest developments in the real estate sector. We discuss the federal government's recent changes to mortgage rules and analyze home sales trends alongside Ottawa's housing tax performance. The Home of the Week segment highlights notable properties, while we also examine the U.S. Feder…

Having a deep understanding of the 7 key real estate investing strategies is critically important for your success as a real estate investor in Ontario. This class is Module 1 of 46 in a series called Real Estate Investing Secrets. Topics covered in this module include: The 7 ways to invest in real estate… plus 2 more bonus strategies that we don’t…

In this episode, we begin with a welcome and an overview of major announcements in the real estate sector, focusing on updates to mortgage insurance rules. The discussion then shifts to the recent slowdown in inflation and its implications for the housing market. An analysis of the US Federal Reserve's rate cut is provided, exploring its potential …

This episode dives into Ontario's real estate market trends, exploring the Bank of Canada's interest rate cuts and their effects on market confidence. Industry experts weigh in on the influence of U.S. rate decisions and the impact on commercial real estate. We review a report from the Toronto Real Estate Board and discuss trends in Calgary, Vancou…

This episode begins with a welcome and introduction, setting the stage for a comprehensive overview of the current housing market. The discussion highlights a slowdown, stagnancy, and the rise in inventory, with particular attention to the challenges faced in the Toronto and Vancouver markets. The financial outlook for Canadians is explored, offeri…

This episode begins with a welcome and introduction, setting the stage for a discussion on Canadian building permits and the growth of multi-unit housing. The focus then shifts to trends in the non-residential sector, with regional highlights providing a nuanced understanding of the market. New mortgage rules and their impact on homebuyers are exam…

This episode begins with an introduction to the Ontario Mortgage & Real Estate Insights Podcast. The economic outlook is explored, focusing on rate cuts, mortgage renewals, and rent trends. A comparison of mortgage structures between Canada and the United States highlights key differences. The discussion then shifts to debt levels and their effects…

This episode opens with a welcome and introduction, setting the stage for a discussion on the anticipated 'supersized' Bank of Canada rate cut. Expert comments on inflation are shared, providing context to the forecast. The impact of labor market trends on interest rates and mortgage renewals is examined, highlighting potential implications for bor…

This episode starts with an introduction to Niagara's real estate trends and predictions. It analyzes the market health by examining appointment times and popular price points. The impact of the Bank of Canada’s rate cuts on the Niagara market is discussed in detail. Insights from the Niagara Association of Realtors for the fall season are shared. …

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is the risk of buying a property having missed important, expensive issues with the property during the inspection period. In this class, James will discuss the risk of investing in real estate and specficially the ri…

This episode begins with an introduction and a welcome. It delves into RE/MAX Canada’s housing market outlook, highlighting the ongoing affordability crisis. Predictions regarding rates, market stability, and housing starts are discussed. The impact of the Bank of Canada’s interest rates and government housing efforts is analyzed. Trends in rent pr…

This episode begins with a welcome and an overview of the key topics. It discusses the latest CMHC housing survey, focusing on affordability and core housing needs. Trends in rent growth and rental properties across Canada are examined. The episode also covers the GTA condo market, highlighting trends and oversupply issues. Insights into the Bank o…

This episode begins with a welcome and an introduction to the main topics. It delves into trends in Ontario's real estate market, focusing on developer receiverships and new home construction. Legal issues and consumer protections in real estate are examined to provide a comprehensive overview of the current landscape. The episode also covers Ontar…

This episode begins with a welcome and an introduction to the main topics. It covers market updates, discussing the drop in home sales in Toronto, Calgary's sales decline, and Vancouver's shift to a buyer's market. Insights into Montreal's residential sales increase and shelter inflation are also provided. The episode examines mortgage trends, incl…

This episode begins with a welcome and an introduction to the key topics. It features a discussion on ETF investment strategies with insights from Ted Rechtshaffen. The role of robo-advisors in ETF investments is explored, highlighting their benefits and limitations. The episode also covers Ontario's Affordable Housing Initiative, providing an over…

This episode begins with a welcome and an introduction to the topics for discussion. It provides an update and analysis of the Montreal real estate market. The extension of Nova Scotia's rent cap and various government perspectives are explored. Critiques of the Residential Tenancies Act and proposed changes are discussed in detail. The episode fea…

null(0:00) Welcome and introduction by Steve Hamoen(0:29) Housing affordability and home price trends(2:14) Mortgage qualification and market outlook(2:49) Political developments and housing affordability measures(4:12) Economists' predictions and developer receivership issues(6:28) Case study on preconstruction buyer issues(7:37) Tarion's protecti…

If you're going to put less than 20% down when buying a property, the lender is likely to require that you pay private mortgage insurance (PMI) to protect them in case you default on the loan. This usually applies to Nomads™, house hackers, and investors putting 15% down to acquire non-owner-occupant properties. There are 3 ways to pay PMI: Monthly…

This episode starts with an introduction and an overview of the topics to be covered. It provides a detailed update on the Toronto real estate market, including sales, prices, and inventory levels. The discussion then shifts to Toronto's housing demand, the implications of recent rate cuts, and measures to improve affordability. Trends in mortgage …

Have a real estate question? Click here to text me! - Phil On this episode of The London Ontario Real Estate Podcast local real estate agent Phil Bailey discusses interest rates, the market stats ahead of fall's arrival, and what to do now if you want to make a move! Phil Bailey is a real estate agent with HouseSigma Inc. Brokerage and host of the …

This episode begins with a welcome and introduction to the key topics. It discusses the Bank of Canada's third rate cut and the impacts of cooling inflation. Predictions on future rate cuts and the resulting mortgage debt issues are explored. The financial strain on retirees due to the rising cost of living is examined. The episode also delves into…

null(0:00) Welcome to episode 64(0:28) Bank of Canada rate cuts: Impact on Mortgages and the Financial Stability Report(2:19) Understanding Variable vs Fixed-rate Mortgages and Market Dynamics(4:25) The 'Historic' Mortgage Rate War and Low-rate Offer Pitfalls(6:59) Ontario Housing Prices: Re/Max Report and Bank of Canada's Next Moves(9:12) Housing …

This episode begins with a welcome and an introduction to the topics for discussion. It provides an overview of Canadian household debt, including statistics and the rise in auto loan debt and credit card usage among young consumers. The impact of mortgage rates on homeowner insolvencies and consumer proposals is examined. The episode concludes wit…

This episode begins with an introduction to today's topics. It examines mortgage delinquency rates and their economic impact on homeowners. The trend of multigenerational households and associated economic factors are explored. A decline in TRREB membership and its implications for the real estate market are analyzed. The challenges faced by part-t…

There's a risk to just about everything in life... including investing in real estate. One risk that some real estate investors fear is that rising mortgage interest rates will: Increase their mortgage payment and therefore hurt cash flow, or The rising mortgage interest rates will lower affordability and demand for properties, and therefore the va…

This episode begins with an introduction and an overview of the topics to be discussed. It examines current trends in fixed versus variable mortgage rates. Insights on future interest rate movements are shared, along with an analysis of the bond markets' impact on mortgage rates. The episode explores global interest rate trends and their local effe…

This episode begins with a welcome and an overview of the topics to be discussed. It examines the surge in mortgage delinquencies and financial stress in Ontario. The impact of high interest rates on mortgage renewals and market strain is analyzed. Updates to Ontario's provincial planning rules are reviewed. The episode discusses the decline in hom…

This episode begins with a welcome and introduction. It discusses the federal government's public lands bank initiative aimed at increasing affordable housing. It compares the housing plans of the Conservative and Liberal parties. Updates on the Liberal-NDP supply and confidence agreement and the recent cabinet retreat are provided. The episode exa…

This episode begins with a welcome and an introduction to the new partnership between Workday and Equifax. The benefits of this integration are discussed, along with insights from industry experts on how it could impact the mortgage and real estate sectors. The availability and cost implications of this partnership are examined. The episode conclud…

This episode begins with an introduction and an overview of the topics to be covered. It examines the Bank of Canada's recent rate cut and its impact on home sales. Real estate market updates from Calgary, Vancouver, and Montreal are discussed. Insights on housing affordability from the Royal Bank of Canada are shared. The episode explores Ontario'…

This episode begins with an introduction. It delves into mortgage rates, housing affordability, and economic focus. Toronto's condo market challenges and opportunities are discussed. Real estate insolvencies and their impact on consumer confidence are analyzed. The sentiment among homebuilders and housing supply challenges are explored. Homebuying …

In this special class about the dangers, risks and warnings of investing in real estate: The #1 fear that keeps potential landlords and new real estate investors up at night! Expert insights on why this fear is more common among inexperienced landlords and investors in challenging real estate markets. Real-life horror stories of tenants causing sig…

null(0:00) Welcome and introduction(0:24) Updates on Ontario's housing policy and planning guidelines(2:00) Government's defense of housing targets and industry reactions(3:26) Sponsor: Equitable Bank's mortgage products(5:14) Discussion on mortgage stress test effectiveness and impact(7:21) Insights from Ratehub's July 2024 Affordability Report(8:…

This episode begins with a welcome and introduction. It explores Ontario's new planning rules and housing targets. The impact of the Bank of Canada's recent rate cut on housing markets is analyzed. Housing market trends in Calgary, Greater Vancouver, and Montreal are discussed. Changes in new home prices and the push for transparency in Ontario's h…

This episode starts with an introduction and a discussion on inflation trends in Canada. It explores Canada's Consumer Price Index, core inflation measures, and their sectoral impacts. Shelter costs, rent inflation trends, and Bank of Canada's rate cut predictions are analyzed. Upcoming inflation data and Ontario’s new planning rules for housing ar…

null(0:00) Welcome and introduction(0:22) Ontario real estate market update: Value surge and construction impact(1:33) Economic and homeowner perspectives on rising property values(2:23) Preview of upcoming topics(2:38) Canadian housing starts: July's rise and urban development focus(4:44) Housing starts: Regional analysis and market implications(6…

This episode begins with an introduction to Episode 51. A comprehensive overview of real estate sales trends in major cities is provided. The effects of the Bank of Canada's rate cut are analyzed. Shifting dynamics in Greater Vancouver's real estate market are discussed. The surge in Montreal's residential sales is highlighted. Nesto Incorporated's…

This episode begins with a welcome and introduction. It delves into July's real estate data and the impact of the Bank of Canada's rate cuts. The discussion covers various property types and regional variations across Ontario. Practical advice for homebuyers and investors is provided. The episode concludes with a call for listener questions.(0:00) …

This episode starts with an introduction and welcome. It provides an overview of the housing market, including starts, sales, and construction activity. An analysis of Ontario's real estate market trends is presented. The impact of interest rate cuts on real estate is examined. The performance and valuation of regional real estate in Ontario are di…

Interested in learning how to analyze deals using The World's Greatest Real Estate Deal Analysis Spreadsheet™? Specifically, do you need to know how to analyze a deal purchased with an interest-only loan? In this special deal analysis, you will: Discover the secret strategy for analyzing the purchase of a rental property with an interest-only loan …

This episode starts with a welcome to Episode 48 of the Ontario Mortgage and Real Estate Insights Podcast. The impact of recent interest rate cuts on the housing market and a broader economic analysis are explored. Trends for first-time buyers and implications of the Bank of Canada's interest rate decisions are discussed. The potential impacts of t…

null(0:00) Welcome to episode 47 of the Ontario Mortgage & Real Estate Insights Podcast(0:23) Canada's latest interest rate cut and future expectations(3:24) Central Bank's cautious outlook and housing market sensitivity(6:38) Impact of interest rates on commercial and residential real estate(10:21) Toronto's real estate slowdown and mortgage delin…

This episode begins with a welcome and introduction. It explores the economic outlook and the impacts of interest rates. Provincial forecasts and their effects on mortgage payments are discussed. The challenges homeowners face at mortgage renewal are examined. A discussion on fixed vs. variable mortgage rates is featured. Real estate market trends …