Money Storm Show

Money Storm Show
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The Money Storm Show is a place of discussion for all things money related. Bringing you a storm of discussions related to mortgages, finance, investment, real estate and economics. Larry Heran, the founder and director of City Centre Mortgages, a mortgage brokerage, teams up with Chetanya Monga, the founder and director of Brightcap Financial, a commercial and alternative lending mortgage brokerage. Chetanya and Larry together bring you a wealth of knowledge through personal and industry experience on navigating the money storm. Unfiltered and raw content to bring you the truth.

Episodes

  1. 05/17/2023

    EP 11 - Real Estate Talk w/ Mr. Rookie of the Year (Kabir Batra)

    This episode we bring on another guest, Rookie of the Year, Kabir Batra of Batra Group. Kabir who is currently partnered with his brother, together formed Batra Group. One of the hottest trends in business and industries right now is picking niches and even micro niches. Focusing on niche markets like first time buyers or investors makes you a specialist for a specific service. Another example, commercial brokers vs residential brokers, such as Brightcap and City Centre, your hosts. Clients love and deserve knowledgeable agents. We as agents can go even further and pick a micro niche market; such as airbnb investments only. Or even teams and agents that focus on land deals or apartment rentals only. Same could be said for real estate and mortgage professionals for the above. As professionals it's important to perfect our crafts and offer high level expertise. Kabir, shares his partnerships secrets to success. Listen to this episode and here from real estate agent/team lead Kabir and his twist on penetrating markets and servicing clients with us!! #bcrealestate #rookieoftheyear #realestate #recordsales #commercialrealestate # fthb #vancouverrealestate #purchase #homepurchase #realtors #refinance #variablemortgages #canadarealestate #mortgagebrokers #brightcapfinancial #citycentremortgages #moneystormshow  #commercialmortgages #investing  #vanre #cdnecon #bankofcanada #podcast #moneystormshow #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    32 min

  2. 04/25/2023

    EP 10 - Is this the turning point of the market?

    In this episode we discuss the drop in inflation, upward trend of benchmark prices and significant increase in sales activity leading to the question if this the turning point off the market. All signs lead in this direction, especially as Bank of Canada holds rates and projects to hold throughout 2023. We know your budget has been stretched which is why we highlight food prices and projections of where they are likely to go. We also discuss the massive housing shortage we're facing nationally and drop some staggering stats that you need to hear. Tune in to this episode to understand 2023 real estate market predictions, tips and tricks of how to whether the financial storm we've all been facing. #bcrealestate #turningpoint #inflation #recordsales #foodprices #vancouverrealestate #purchase #homepurchase #realtors #refinance #variablemortgages #canadarealestate #mortgagebrokers #brightcapfinancial #citycentremortgages #moneystormshow  #commercialmortgages #inflation  #vanre #cdnecon #bankofcanada #podcast #moneystormshow #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    23 min

  3. 04/18/2023

    EP 9 - Will there be a Land Rush in BC? (w/ Ardee Sharma)

    This episode we bring on another guest, Ardee Sharma with EXP Realty and we talk about the NEW BC UPZONING to all single family homes, surviving the market, discipline and having routine built for success. Exciting news for all aspiring homeowners in British Columbia!  Get ready for a land rush like never before, with guaranteed opportunities for affordable homes! With upzoning for single-family homes, the introduction of middle housing options, and the popularity of two-bedroom condos, the dream of affordable homes is becoming a reality for families. It's an exciting time for housing in BC, and families are sure to benefit from these latest developments. Now moving onto Ardee who is only in his 3rd year as a professional realtor; has already produced some impressive numbers in his first couple years doing business. We have a down to earth conversation on what it takes nowadays to be successful and Ardee goes through his routine which starts at 230am, yes 230am!!! That is some high level discipline and determination to strive to be the best. This market has realtors and brokers running off unfortunately, but we shed light on how realtors and brokers slow down, not the actual markets. Stick with your game plan, because real genuine hard work always pays off. #bcrealestate #vanre #exprealty #ardeesharma #realtor #vancouverrealestate #fixedmortgages #sales #landdevelopment #construction #land #refinance #variablemortgages #canadarealestate #mortgagebrokers #brightcapfinancial #citycentremortgages #moneystormshow  #commercialmortgages #inflation  #cdnecon #bankofcanada #podcast #moneystormshow #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    47 min

  4. 04/11/2023

    EP 8 - Is the Canadian private mortgage space in trouble? (w/ Vault Capital)

    This episode we bring on a very special 2nd guest, Colin Johnston SVP with VCI Vault Capital Inc. Currently Vice President of sales in BC, Colin has carried very impressive roles in the Canadian mortgage space over the last 30 years. Director of HSBC Finance, Director of Manulife One and then Vice president at Chip Home Equity Loan (reverse mortgages). Colin has an amazing mix of experience within the mortgage space. From working with A Lenders to doing reverse mortgages and now solely focusing on private mortgages, Colin brings on a wealth of knowledge. This range of experience in A lending, B lending and private lending is definitely priceless. The education dropped on this episode speaks for itself. We talk about how the stress test makes no more sense and Bank of Canada's questionable decisions over the past few years. But talk in depth about what's happening in the private lending space, from the consumers carrying them and the lenders that provided them. Did you know that a MIC (Mortgage Investment Corp) was founded and born in British Columbia? BC is Home of the MIC Listen to the full episode to learn everything about private lending.  #bcrealestate #privatelending #privatemortgages #mic #institutionalfunds #vaultcapital #capital#economicimpact #highnetworth #refinance #variablemortgages #canadarealestate #mortgagebrokers #brightcapfinancial #citycentremortgages #moneystormshow  #commercialmortgages #inflation  #vanre #cdnecon #bankofcanada #podcast #moneystormshow #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    40 min

  5. 03/28/2023

    EP 7 - Another collapse and another Bailout!

    Let's talk about the 2 most important financial topics at this moment right now, the million dollar question and talk of another US BANK collapse. The million dollar question is this. What should you do if you have a Variable Rate Mortgage? This question and topic right here has everyone's emotions and finances all over the place, sadly. But don't worry, because we are here to break it all down for you and play out some scenarios for you as well. Tune into this part to listen to our case scenarios, on refinancing, or breaking or doing nothing with your variable mortgage. Followed with some helpful explanations and value add! Now onto the golden state of America and the Silicon Valley bank collapse. For those who have not heard of Silicon Valley Bank, this was the 16th largest bank in the US. It's collapse and bailout is a prime example of what not to do. Want to hear more about what they did wrong, tune in here! We discuss how this can impacts Canadian's and how our banks are significantly different than the US. It's important to know that your money and savings are safe, which is why we briefly breakdown the Canadian Financial system and refer to economist forecasts and predictions to determine the impact of the Silicon Valley Bank collapse to Canadians. #bcrealestate #economiccollapse #bankrun #siliconvalleybank #economicimpact #bailout #refinance #variablemortgages #canadarealestate #mortgagebrokers #brightcapfinancial #citycentremortgages #moneystormshow  #commercialmortgages #inflation  #vanre #cdnecon #bankofcanada #podcast #moneystormshow #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    23 min

  6. 03/21/2023

    EP 6 - Insurance & Investments w/Gurtej Varn (White Coat Financial)

    With a special guest: Gurtej Varn, owner of White Coat Financial, sits down with us as a co- host in this episode. In the episode we talk about life insurance, critical illness insurance (alarming and useful stat), term life insurance, permanent life insurance and we talk also about mortgage protection plans. We all know how important life insurance is and how important it is to own it. But why do we still shy away from it and/or turn it down? From what we have gathered and discussed in this episode, there are two main reasons that are holding people back. It's simply a lack of education and more importantly the lack of an experienced and knowledgeable agent who should provide the education. Just like in mortgages, you require a specialized mortgage broker. Life insurance requires an experienced and highly knowledgeable life insurance agent. This is exactly what Gurtej is. We ask him all the questions that you need to know the answers to. we get some alarming statistics. For example, did you know every other person needs a critical insurance policy in Canada? Listen in to our in-depth talks about all things insurance. Finally, we ask Gurtej why he chose the name White Coat Financial!!!  #bcrealestate #insurance #investments #lifeinsurance #corporateinsurance #criticalillness #insuranceadvisor #wealthplanning #canadarealestate #mortgagebrokers #whitecoatfinancial #brightcapfinancial #citycentremortgages #moneystormshow  #commercialmortgages #inflation  #vanre #cdnecon #bankofcanada #podcast #moneystormshow #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    50 min

  7. 03/09/2023

    EP 5 - The Top 5 Places to Invest in BC

    2023's top places to invest in Beautiful British Columbia. Think you have what it takes to dominate the real estate market in BC?  Then you won't want to miss this episode. Join us as we lay down our top 5 investment choices for BC's commercial market and residential market. Get ready to take notes, because we reveal some serious insider knowledge that will put you ahead of the game. #bcrealestate #commercialinvesting #investmenthomes #surreybc #kelowna #okanagan #kamloops #victoria #vancouverisland #eastvancouver #northburnaby #abbotsford #chilliwack #mapleridge #mission #nanaimo #langfordbc #canadarealestate #mortgagebrokers #brightcapfinancial #citycentremortgages #moneystormshow  #commercialmortgages #inflation  #vanre #cdnecon #bankofcanada #podcast #moneystormshow #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    46 min

  8. 02/28/2023

    EP 4 - Syndication! The saviour of the commercial lending space.

    In this episode we talk about talk about how the commercial lending space is changing and how institutions are now partnering up with private funds more. Developers are finding new challenges seeking financing in 2023. However, to battle that challenge a lot of partnerships are forming and pools of funds are merging together. Banks are doing a lot of syndication now.  We have access to these new partnerships that are still helping developers and commercial investors. Learn more about syndication loans and how commercial investments are still being done in 2023! DEBT is increasing at an alarming rate. The Canadian disposable income is getting eaten alive and getting diminished with rising costs and inflation. Don't let the 20% credit card killers destroy you financially. As we all know, credit cards are a never ending story. Get loans that will pay off your cards, cut your interest rates in half and which won't affect your first mortgages. 2nd mortgage private loans are increasingly popular and will be all of 2023 paying off debt. We also talk about the movement in fixed rates. Only a few episodes ago rates have gone up from 4.5% to 4.8% respectively. Will they go higher than 5%? Try to get into the market with a 4% starting rate. First time buyers don't wait too long! #moneystormshow #podcastshow #syndicationloans #equity #privatefunds #pensionfunds #commercialmortgages #inflation  #vanre #cdnecon #bankofcanada #podcast #moneystormshow #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast #iheartpodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    46 min

  9. 02/22/2023

    EP 3 - Revealing products that can beat the stress test!

    This episode we go deep into inflation and more importantly how it applies to all of us individually. In June we saw an all time high inflation rate in Canada of 8.1% matching 1983. Since then it's come down to 6.3% as of December due to the Bank of Canada raising rates. They have had success which concluded with them pausing the interest rate increases. So definitely a sigh of relief for Canada on the finance front. Interest savings chat: The HELOC (Home Equity Line Of Credit) in Canada is facing some financial pressure. At your average interest carrying cost of 7.2%. The payments are now finally causing financial pain. Do not let this balance sit, convert it over to fixed mortgages at  rates as low as 4.99%. There will be huge savings by terming off your balance and retaining your remainder HELOC portion. Speaking of buying homes, fixed rates are starting with 4% now, it's time to get back into the market. We discuss how fixed rates are affected by bond rates and why fixed rates have been going up and down more frequently. The best part of this Moneystorm episode: We talk about unique under the radar mortgage products that need more attention, now more than ever before. Products that help with the stress test and give you higher loan amounts. We talk about products that help investors purchase homes under holding companies and/or businesses. These programs help with tax savings, they don't report on credit reports and they help you grow your real estate portfolios faster. We talk about programs that use your business income to get mortgages approved opposed to your personal income being used. These programs have impacted our self-employed clients and individuals greatly. We talk in depth about stated income programs across Canada and how to register business equity lines of credit on your personal homes. This is helpful and untapped information for investors and business owners. #moneystormshow #podcastshow #heloc #inflation #businessincome #businessowner #selfemployed #statedincome #holdco #taxsavings #vanre #cdnecon #bankofcanada #income #termmortgages #equity #lineofcredit #podcast #youtubeeducation #youtubevideos #podcastlife #applepodcast #spotifypodcasts #amazonpodcast #googlepodcast #iheartpodcast Listen to The Money Storm Show on your favourite podcast platform: https://www.youtube.com/@moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    39 min

  10. 02/14/2023

    EP 2 - The real estate product that will solve Canada's housing shortage

    Introduction to the new tax free FHSA account. The First Home Savings Account is another Canadian financial miracle product. We discuss the history of the prime rate and Bank of Canada's decisions. Were the choices made best for canadians? Or were we spoiled for a decade with low rates?? Learn more about how bond yields affect our fixed mortgage residential rates in this episode. Commercial discussion and CMHC Apartment Loans: There is one product that has stood the test of time with low rates and it still does today. This asset class has rates still lower than 4%. Yes you heard that right, lower than 4%. This product and asset class is Apartment Buildings. With the Canadian housing shortage growing more and more; we wonder why investors and developers are not buying and/or constructing apartment buildings. CMHC offers loans to build or buy apartments with the lowest rates in the country and with the longest terms in the country going up to 50 years. Learn more about one of the most underutilized wealth builders offered in real estate today. Learn how to grow your real estate portfolio exponentially and build wealth for your family that will last generations! #wealth #fhsa #taxfree #primerate #housingshortage #cmhcloans #apartmentbuildings #canadianrealestate #commercialloans #mortgages  Listen to The Money Storm Show on your favourite podcast platform:  https://www.youtube.com/@moneystormshow   Social Media: @moneystormshow @brightcap.financial @citycentremortgages #moneystormshow #canadianrealestate #bankofcanada #mortgages #generationalwealth #cashflow #rentalincome #rentalbuildings #investors #financialeducationtube  #inflation #debt #fixedrates #primerate #primeratewatch    We know the storm that's always brewing in the Canadian real estate and mortgage industry!! Whether it be good or bad your Canadian financial forecast is right here!

    39 min

  11. 02/07/2023

    EP 1 - Caution! Be careful selecting the right mortgage term.

    Recap 2022 and Intro to 2023 Canadian Real Estate Market! What can we expect from the real estate market?  Truth is no one has at the answer to this question. All we can count on is that there will be ups and downs, but let's not forget the #1 rule of real estate, it's a long-term investment. History has shown, real estate will always reach new heights! We hope this episode brings your comfort with this discussion.+ Home prices, interest rates and all things money! Watch this episode and subscribe to @moneystormshow Social Media: @moneystormshow @brightcap.financial @citycentremortgages

    26 min
  • 11 Episodes

About

The Money Storm Show is a place of discussion for all things money related. Bringing you a storm of discussions related to mortgages, finance, investment, real estate and economics. Larry Heran, the founder and director of City Centre Mortgages, a mortgage brokerage, teams up with Chetanya Monga, the founder and director of Brightcap Financial, a commercial and alternative lending mortgage brokerage. Chetanya and Larry together bring you a wealth of knowledge through personal and industry experience on navigating the money storm. Unfiltered and raw content to bring you the truth.

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  • Creator
    Money Storm Show
  • Years Active
    2K
  • Episodes
    11
  • Rating
    Explicit
  • Copyright
    © Money Storm Show
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    Money Storm Show