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Ontario Mortgage & Real Estate Insights Podcast
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Manage series 3584094
Conteúdo fornecido por Steve Hamoen. Todo o conteúdo do podcast, incluindo episódios, gráficos e descrições de podcast, é carregado e fornecido diretamente por Steve Hamoen ou por seu parceiro de plataforma de podcast. Se você acredita que alguém está usando seu trabalho protegido por direitos autorais sem sua permissão, siga o processo descrito aqui https://pt.player.fm/legal.
We cover the daily developments, trends, and regulatory changes affecting the industry, powered by an AI Steve Hamoen. Get insights sourced from reputable news outlets to help you stay informed and make well-informed decisions.
…
continue reading
192 episódios
Marcar/Desmarcar tudo como reproduzido ...
Manage series 3584094
Conteúdo fornecido por Steve Hamoen. Todo o conteúdo do podcast, incluindo episódios, gráficos e descrições de podcast, é carregado e fornecido diretamente por Steve Hamoen ou por seu parceiro de plataforma de podcast. Se você acredita que alguém está usando seu trabalho protegido por direitos autorais sem sua permissão, siga o processo descrito aqui https://pt.player.fm/legal.
We cover the daily developments, trends, and regulatory changes affecting the industry, powered by an AI Steve Hamoen. Get insights sourced from reputable news outlets to help you stay informed and make well-informed decisions.
…
continue reading
192 episódios
Minden epizód
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 192: Mortgage Market Updates, Policy Changes, and Ottawa's Real Estate Trends 14:39
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14:39In this episode, we start with a sponsor message from Real Approved Inc. and dive into key updates in the Canadian mortgage market. We analyze the impact of the Bank of Canada's interest rate changes and government policies for homebuyers. A new lender switch policy without stress testing is discussed, along with market segment changes. We explore studies on mortgage renewal, payment shocks, and risks of fixed-payment variable-rate mortgages. The episode covers trends in mortgage types, borrower demographics, and loan-to-value ratios. We also provide insights into Ottawa's real estate market, Canada's housing challenges, and the national housing strategy's effectiveness on affordability. (0:00) Introduction and sponsor message by Real Approved Inc. (0:37) Key updates in the Canadian mortgage market (0:59) Impact of Bank of Canada's interest rate changes (1:47) Government policies to assist homebuyers (2:46) New lender switch policy without stress testing (3:05) Market segment analysis post-policy changes (3:33) Mortgage renewal and payment shock studies (5:06) Fixed-payment variable-rate mortgages and their risks (5:30) Popularity trends in mortgage types (6:02) Borrower demographics and loan-to-value ratio data (7:14) Ottawa's real estate market trends and analysis (10:23) Canada's housing challenges and core needs report (11:58) Review of the national housing strategy (13:13) Financial aspects of the national housing strategy (14:11) Closing thoughts on housing affordability and strategy effectiveness…
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Ontario Mortgage & Real Estate Insights Podcast
1 Is your mortgage one of the 1.2 million up for renewal in Canada? Here's what rate to expect and how to get the best deal 4:36
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4:36In this episode, we open with an introduction and a sponsor message from Real Approved Inc. The discussion begins with the upcoming mortgage renewal wave and how potential Bank of Canada rate cuts could influence it. We delve into lender competition and its effects on monthly payments for borrowers. The episode also covers changes in uninsured mortgage policies and their impact on housing affordability trends. Federal measures, including price caps and 30-year amortization eligibility, are examined. We offer strategies for mortgage renewals before concluding with closing remarks and a final sponsor message from Real Approved Inc. (0:00) Introduction and Sponsor: Real Approved Inc. (0:37) Mortgage Renewal Wave and Bank of Canada's Rate Cuts (1:37) Lender Competition and Impacts on Monthly Payments (2:07) Uninsured Mortgage Policy Changes and Housing Affordability Trends (2:44) Federal Measures: Price Cap and 30-year Amortization Eligibility (3:30) Mortgage Renewal Strategies and Closing Remarks (3:54) Sponsor: Real Approved Inc.…
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Ontario Mortgage & Real Estate Insights Podcast
1 Home renovation costs keep climbing, but at a slower pace than previous year - Mortgage Rates & Mortgage Broker News in Canada 4:19
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4:19In this episode, we begin with an introduction and a sponsor mention before diving into the trends and factors influencing home renovation costs in Canada. We examine regional renovation cost trends, focusing on Montreal and Ottawa. The discussion then turns to home equity financing options available for homeowners planning renovations. We explore the motivations driving individuals to undertake home renovations and the impact of these projects on property value. The episode concludes with closing remarks and a reminder from our sponsor. (0:00) Introduction and sponsor mention (0:36) Trends and Factors in Home Renovation Costs in Canada (2:14) Regional Renovation Cost Trends in Montreal and Ottawa (2:36) Home Equity Financing for Home Renovations (3:00) Motivations for Home Renovations (3:36) Closing Remarks and Sponsor Reminder…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 189: Job Market Impact on Rates, Condo Market Analysis, and Ontario Luxury Real Estate 10:04
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10:04In this episode, we begin with an introduction and sponsor message before examining how Canada's job market impacts interest rates. We then discuss the influence of U.S. employment growth on Canadian mortgage rates and the Bank of Canada's reconsideration of a rate cut. A detailed analysis of Canada's condominium market follows, along with price predictions. We explore affordability and sustainability challenges within the real estate market and shine a spotlight on Ontario's luxury real estate sector. The episode wraps up with closing remarks and a sponsor message. (0:00) Introduction and sponsor message (0:40) Impact of Canada's job market on interest rates (2:27) Influence of U.S. employment growth on mortgage rates (3:15) Bank of Canada's rate cut reconsideration (4:15) Canada's condominium market analysis and price predictions (6:12) Affordability and sustainability in the real estate market (7:05) Spotlight on Ontario's luxury real estate market (9:24) Closing remarks and sponsor message…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 188: Fairstone-Home Trust Merger, TRESA Reforms, and GTA Luxury Market Trends 23:51
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23:51In this episode, we start with a sponsor message from Real Approved Inc. and discuss the Fairstone Bank of Canada and Home Trust Company merger. We explore the Trust in Real Estate Services Act (TRESA) Phase Two reforms, mortgage rates, and strategies for securing the best deals. We also look at trends in the Greater Toronto Area's luxury housing market, mortgage trends among seniors, reverse mortgages, and Canadians' financial concerns, especially credit reliance. Housing affordability, rental market dynamics, and year-over-year rent changes in key markets are also covered. We wrap up with closing remarks and another sponsor message from Real Approved Inc. (0:00) Introduction and sponsor message from Real Approved Inc. (0:38) Merger of Fairstone Bank of Canada with Home Trust Company and Leadership Perspectives (3:13) Trust in Real Estate Services Act (TRESA) Overview and Phase Two Reforms (5:22) Issues and Recommendations in Real Estate Representation (6:58) Mortgage Rates and Securing the Best Deals (9:02) Trends in the Greater Toronto Area's Luxury Housing Market (12:22) Mortgage Trends Among Seniors and Reverse Mortgage Growth (15:17) Canadians' Financial Concerns and Credit Reliance (17:14) Housing Affordability and Rental Market Dynamics (22:51) Year-over-Year Rent Changes in Key Markets (23:10) Closing Remarks and Sponsor Message from Real Approved Inc.…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 187: Mortgage Renewals, Toronto Market Trends, and Ottawa-Gatineau Housing Insights 15:29
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15:29In this episode, we delve into mortgage renewals, examining current interest rate trends and strategies for homeowners navigating this landscape. The focus shifts to Toronto's real estate market, with insights on condos and single-family homes. We then explore the Ottawa-Gatineau housing market and how economic diversification is influencing it. Notable real estate transactions and the dynamics affecting the market are highlighted, along with recent mergers and acquisitions in the mortgage industry. The episode also covers significant land loans and their implications for development. The discussion wraps up with a sponsor message from Real Approved. (0:00) Mortgage renewals, interest rate trends, and homeowner strategies (1:53) Toronto's real estate market: Condos and single-family homes (4:06) Ottawa-Gatineau housing market and economic diversification (7:04) Notable real estate transactions and market dynamics (10:05) Recent mergers and acquisitions in the mortgage industry (12:10) Significant land loans and their impact on development (14:43) Sponsor: Real Approved…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 186: New Mortgage Rules, GTA Real Estate Forecast, and Canada's Rental Market Issues 21:12
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21:12In this episode, we begin by introducing new mortgage rules and their potential impact on the market. The discussion moves to the upcoming competition in mortgage lending and strategies that major banks are employing for mortgage renewals. A forecast of the real estate market in the Greater Toronto Area is provided, along with an examination of current challenges in Toronto's housing market. Recent performance trends in Toronto's real estate are analyzed, followed by an exploration of issues in Canada's rental market. Highlights from CMHC's rental market report are presented. The episode concludes with a sponsor message from Glasslake Funding's WaveMakers Program and closing remarks with a sponsor message from Real Approved. (0:00) Introduction to new mortgage rules and their impact (2:34) Upcoming competition in mortgage lending (3:26) Strategies from major banks for mortgage renewals (5:50) Real estate market forecast for the Greater Toronto Area (8:27) Current challenges in Toronto's housing market (10:49) Recent performance trends in Toronto's real estate (13:40) Analysis of Canada's rental market issues (15:04) Highlights from CMHC's rental market report (17:32) Sponsor: Glasslake Funding's WaveMakers Program (20:28) Closing remarks and sponsor message from Real Approved…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 185: Ontario Real Estate Trends, Home Price Decline, and 2025 Market Predictions 13:50
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13:50In this episode, we start with an introduction and sponsor message before diving into recent developments in the Ontario real estate market and the impact of interest rates. We explore the decline in home prices, examining its implications and the factors influencing the market. The challenges associated with pre-construction purchases and insights into mortgage affordability are discussed. We then look into broker-lender dynamics and predictions for 2025. Updates on new housing laws and regulations in Ontario are provided to keep listeners informed. The episode concludes with closing remarks and a final sponsor message. (0:00) Introduction and sponsor message (0:41) Ontario real estate market developments and interest rate impacts (1:32) Decline in home prices: implications and market influences (2:22) Challenges with pre-construction purchases and mortgage affordability insights (5:16) Broker-lender dynamics and predictions for 2025 (9:57) Updates on new housing laws and regulations in Ontario (13:10) Closing remarks and sponsor message…
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Ontario Mortgage & Real Estate Insights Podcast
1 This Week's Top Stories: Canadian Mortgage Delinquencies Rise, & Immigration Applications Slow 4:25
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4:25In this episode, we start with an introduction and examine the rising trend of mortgage delinquencies. We discuss the impact of state intervention on mortgage arrears and delve into the specific challenges faced by Toronto's housing market and its delinquency rates. The episode also highlights the effects of business growth and immigration on the real estate market. A summary of current mortgage and real estate trends provides a comprehensive view of the industry's landscape. Closing remarks and a sponsor reminder conclude the episode. (0:00) Introduction and rising mortgage delinquencies trend (1:13) Impact of state intervention on mortgage arrears (2:03) Toronto's housing market challenges and delinquency rates (2:25) Business growth and immigration effects on the market (3:29) Summary of mortgage and real estate trends (3:43) Closing remarks and sponsor reminder…
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Ontario Mortgage & Real Estate Insights Podcast
1 Uptick in Vancouver home sales last month caps 'pivot year' for market: board - Mortgage Rates & Mortgage Broker News in Canada 4:28
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4:28In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We explore the Vancouver housing market trends, highlighting recent sales increases and the influx of new listings. The discussion extends to British Columbia's property assessments and the dynamics influencing the market. Expert insights from Andrew Lis provide a detailed outlook on the 2024 market, offering valuable perspectives on future developments. We wrap up the episode with closing remarks and a sponsor reminder from Real Approved Inc. (0:00) Introduction and sponsor message from Real Approved Inc. (0:40) Vancouver housing market trends: sales increase and new listings (1:58) British Columbia property assessments and market dynamics (3:19) Expert insights with Andrew Lis on 2024 market outlook (3:47) Closing remarks and sponsor reminder from Real Approved Inc.…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 182: GTA Housing Market Predictions, Interest Rate Impacts, and Credit Management Tips 7:12
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7:12In this episode, we begin with an introduction and a sponsor mention. We delve into expert predictions for the Greater Toronto Area housing market in 2025, examining potential interest rate changes and their impact. The discussion moves to modifying mortgage regulations and the factors shaping the market. We address mortgage renewals, the rise in delinquencies, and the issue of empty condos. The complexities of the housing market and their economic implications are explored, followed by credit management tips for securing better mortgage rates and maintaining a strong credit profile. We conclude by emphasizing the importance of credit management. (0:00) Introduction and sponsor mention (0:38) Expert predictions for the Greater Toronto Area housing market in 2025 (0:58) The impact of potential interest rate changes on the housing market (1:22) Modifying mortgage regulations and factors influencing the market (2:12) Mortgage renewals, rising delinquencies, and the issue of empty condos (3:33) Complexities of the housing market and economic implications (3:54) Credit management tips for better mortgage rates and maintaining a strong credit profile (6:54) Conclusion and the importance of credit management…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 181: GTA Mortgage Delinquency, Rate Influences, and Real Estate Outlook for Spring 2025 12:11
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12:11In this episode, we explore the mortgage delinquency rate in the Greater Toronto Area, covering current stats, regional challenges, and market correction opinions. We discuss factors influencing future mortgage rates, inflation expectations, and the global economy's impact. Key topics include loan-to-income ratios, upcoming 2025 regulations, the spring real estate market outlook, and household debt implications. We also touch on trends in mortgage provider switching, competitive strategies, and setting new year goals for brokers. Finally, we offer advice on managing anxiety, stress, and work-life balance. Closing remarks and sponsor message wrap up the episode. (0:00) Introduction and sponsor message (0:41) Understanding the mortgage delinquency rate in the Greater Toronto Area and current statistics (2:02) Policymaker measures, regional challenges, and market correction opinions (2:44) Factors influencing future mortgage rates and economic growth outlook (3:36) Inflation expectations and global economic environment's impact on mortgage rates (5:22) The significance of loan-to-income ratios and new regulations in 2025 (6:28) Real estate market outlook for spring and the impact of household debt (7:30) Trends in mortgage provider switching and competitive strategies (8:37) Setting new year goals and reflecting on past achievements for mortgage brokers (10:10) Managing anxiety, stress, and work-life balance at the start of the new year (11:28) Closing remarks and sponsor reminder…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 180: 2024 Mortgage Market Overview, Regulatory Changes, and 2025 Predictions 7:32
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7:32In this episode, we start with an introduction and an overview of the 2024 mortgage market. The discussion moves to the effects of inflation, regulatory changes, and the anticipated rebound in the housing market. We explore corporate activity and policy shifts impacting real estate, followed by an analysis of big banks' performances and a review of 2024. Looking ahead, we discuss predictions for the 2025 housing market and potential interest rate changes. The episode offers market predictions and advice for first-time homebuyers, along with regional insights and updates on federal mortgage rule changes. We conclude with closing remarks and a sponsor mention. (0:00) Introduction and Overview of the 2024 Mortgage Market (1:09) Inflation, Regulatory Changes, and Housing Market Rebound (2:17) Corporate Activity and Policy Changes in Real Estate (3:16) Big Banks' Performance and 2024 Year in Review (4:07) Looking Ahead: 2025 Housing Market and Interest Rates (5:10) Market Predictions and Advice for First-Time Homebuyers (6:07) Regional Insights and Federal Mortgage Rule Changes (6:55) Closing Remarks and Sponsor Mention…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 179: Ontario Mayors on Development, OSFI Stress Test, and Hamilton Market Predictions 12:33
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12:33In this episode, we start with a welcome and a sponsor introduction. The conversation shifts to Ontario mayors discussing development charges and infrastructure funding, followed by insights from developers and RESCON on regulatory challenges. We provide an update on the OSFI mortgage stress test and industry reactions. We then forecast a potential rebound in the Canadian housing market for 2025, with a regional focus on Hamilton's predicted mid-year demand peak. The episode also covers the challenges Canadians face in mortgage qualification and their financial priorities amid rising debt levels. We conclude with strategies for debt reduction and financial planning. (0:00) Welcome and sponsor introduction (0:39) Ontario mayors on development charges and infrastructure funding (2:40) Developer and RESCON perspectives on regulatory challenges (3:40) OSFI mortgage stress test update and industry reactions (6:10) Forecasting the Canadian housing market rebound for 2025 (7:42) Regional market focus: Hamilton's mid-year demand peak prediction (9:09) Mortgage qualification challenges and financial priorities for Canadians (11:15) Canadians' financial preparedness amid rising debt levels (12:06) Conclusion and strategies for debt reduction and financial planning…
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Ontario Mortgage & Real Estate Insights Podcast
1 Episode 178: Market Overview, City Demand Analysis, and Economic Indicators in Canadian Real Estate 3:44
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3:44In this episode, we begin with an introduction and a comprehensive market overview. The discussion then moves to an analysis of housing demand across various Canadian cities, highlighting regional differences and trends. We examine critical Canadian economic indicators, focusing on household debt levels and GDP growth, and their implications for the real estate market. The episode also provides a summary of recent changes in the real estate landscape, offering insights into evolving market dynamics. We wrap up with closing remarks and a sponsor reminder, reinforcing the importance of staying informed in the current economic climate. (0:00) Introduction and Market Overview (1:11) Analysis of Demand in Various Canadian Cities (2:12) Canadian Economic Indicators: Household Debt and GDP Growth (2:44) Real Estate Landscape Changes Summary (3:06) Closing Remarks and Sponsor Reminder…
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