The Wise Old Owl Podcast

Vince Gaetano
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Focused on personal financial literacy and discussion of topics related to real estate investment, home financing and wealth building with a casual and professional approach to expose opportunities and deal with misconceptions in the marketplace.

  1. 6D AGO

    This Needs to Happen in the Canadian Housing Market!

    This week, Vince breaks down what must change before for him to turn bullish on Canadian real estate—and why confidence matters more than interest rates. Vinces dives into employment stability, disposable income, debt levels, mortgage delinquencies, and why government “affordability indexes” don’t reflect real household stress. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

    7 min

  2. FEB 5

    When Private Lenders Get Cold Feet — And Homeowners Pay the Price

    Imagine losing your home — not because you missed a payment, but because your lender panicked. That’s exactly what’s happening right now in Canada’s private lending market. This week, Vince exposes a disturbing trend: private lenders refusing mortgage renewals on loans being paid exactly as agreed — no arrears, no defaults — simply because property values dipped and risk tolerance disappeared. This isn’t risk management. It’s predatory lending behavior in a stressed housing market. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

    7 min

  3. JAN 29

    Mortgage Renewals Are Breaking Families — Not Just Budgets

    Mortgage renewals in Canada are becoming a breaking point — not just financially, but emotionally. For many homeowners, higher payments aren’t just a budget issue. They trigger stress, shame, and sleepless nights — especially when the numbers suddenly stop working at renewal time. This week, Vince challenges the most dangerous advice in today’s market: the narrative - “Just hang on.” Sometimes waiting makes things worse. Options shrink, interest compounds, and stress builds. Selling, restructuring, or even renting isn’t failure — it’s a financial decision. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

    4 min

  4. JAN 28

    Delinquencies Always Rise Before People Admit There’s a Problem

    If you want to know where the economy is really heading, don’t watch headlines — watch delinquencies. In every slowdown, the first warning isn’t layoffs, bankruptcies, or market crashes; it’s quiet, rising missed payments across mortgages, credit cards, and auto loans. This week, Vince explains why delinquencies don’t predict pain but confirm financial stress that’s already happening, why rate cuts often fail to relieve cash-flow pressure, and what always comes next when banks react late and tighten credit.  For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

    4 min

  5. JAN 23

    I’m Not a Cheerleader — I’m Here to Tell the Truth About 2026

    Confidence in Canada’s housing market can’t be manufactured when employment feels uncertain, debt servicing is rising, savings buffers are thin, and household stress is real. Using real-world examples of mortgage renewals and first-time buyers, Vince breaks down why hesitation — not panic — is the real problem, and why “good numbers on paper” don’t equal financial safety. This isn’t negativity or fear-mongering — it’s math, and until employment confidence improves and debt pressure eases, optimism about 2026 is premature. Watch this before buying, selling, or renewing in Canada’s housing market. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

    7 min

  6. JAN 15

    Canada Doesn’t Have a Housing Crisis — It Has a Cashflow Crisis

    If interest rates were the real problem… rate cuts would have fixed this by now. THEY DIDNT'! Because Canada doesn’t actually have a housing crisis — it has a cashflow crisis… and no one wants to say it out loud. But I WILL. Rate cuts only slow the bleeding. This isn’t about irresponsible spending. It’s about math turning against households. Groceries, childcare, taxes, insurance, utilities, debt payments — these costs don’t get cheaper just because rates dip. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

    5 min

  7. JAN 8

    Toronto Is Failing — And We’re Not Allowed to Say It

    Toronto is not “evolving.” It’s breaking. This week, Vince exposes how failed city leadership, reckless spending, and zero accountability have pushed Toronto into visible decline — unsafe streets, unusable transit, exploding homelessness, record food bank use, and nonstop property tax hikes crushing homeowners. City Hall celebrates “progress” while outcomes collapse. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

    5 min

  8. JAN 2

    Realtors Are Still Selling a Fantasy — But 2026’s Real Estate Market Isn’t Buying It

    What if the housing market isn’t “springing back” — but quietly breaking down? And the only people pretending otherwise… are the ones who need your commission cheque? This week, Vince breaks down why the real estate market in 2026 is NOT rebounding, despite what agents, influencers, and headlines want you to believe. It isn’t fear — it’s fundamentals. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

    7 min
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About

Focused on personal financial literacy and discussion of topics related to real estate investment, home financing and wealth building with a casual and professional approach to expose opportunities and deal with misconceptions in the marketplace.

Information

  • Creator
    Vince Gaetano
  • Years Active
    2024 - 2026
  • Episodes
    117
  • Rating
    Clean
  • Copyright
    © 2026 The Wise Old Owl Podcast
  • Show Website
    The Wise Old Owl Podcast

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