Ontario Mortgage & Real Estate Insights Podcast

Steve Hamoen
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Ontario Mortgage & Real Estate Insights Podcast

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.

  1. Episode 193: Interest Rate Forecasts, Ontario Housing Challenges, and FSRA Updates

    12 HR. AGO

    Episode 193: Interest Rate Forecasts, Ontario Housing Challenges, and FSRA Updates

    In this episode, we begin with an introduction and sponsor message before discussing the National Bank of Canada's interest rate forecast and insights from economists. We explore mortgage renewals in the context of economic growth considerations and delve into the challenges facing Ontario's housing market, alongside government interventions. Updates from the Financial Services Regulatory Authority are covered, followed by an analysis of how currency market fluctuations and oil prices impact real estate. The episode concludes with reflections on how these economic factors influence real estate markets.

    12 min
  2. Episode 192: Mortgage Market Updates, Policy Changes, and Ottawa's Real Estate Trends

    1 DAY AGO

    Episode 192: Mortgage Market Updates, Policy Changes, and Ottawa's Real Estate Trends

    In 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.

    15 min
  3. 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

    2 DAYS AGO

    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

    In 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.

    5 min
  4. Home renovation costs keep climbing, but at a slower pace than previous year - Mortgage Rates & Mortgage Broker News in Canada

    3 DAYS AGO

    Home renovation costs keep climbing, but at a slower pace than previous year - Mortgage Rates & Mortgage Broker News in Canada

    In 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.

    4 min
  5. Episode 189: Job Market Impact on Rates, Condo Market Analysis, and Ontario Luxury Real Estate

    4 DAYS AGO

    Episode 189: Job Market Impact on Rates, Condo Market Analysis, and Ontario Luxury Real Estate

    In 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.

    10 min
  6. Episode 188: Fairstone-Home Trust Merger, TRESA Reforms, and GTA Luxury Market Trends

    5 DAYS AGO

    Episode 188: Fairstone-Home Trust Merger, TRESA Reforms, and GTA Luxury Market Trends

    In 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.

    24 min
  7. Episode 187: Mortgage Renewals, Toronto Market Trends, and Ottawa-Gatineau Housing Insights

    6 DAYS AGO

    Episode 187: Mortgage Renewals, Toronto Market Trends, and Ottawa-Gatineau Housing Insights

    In 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.

    15 min
  8. Episode 186: New Mortgage Rules, GTA Real Estate Forecast, and Canada's Rental Market Issues

    JAN 8

    Episode 186: New Mortgage Rules, GTA Real Estate Forecast, and Canada's Rental Market Issues

    In 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.

    21 min
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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.

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