The Ottawa Real Estate Podcast

TOREP

Welcome to The Ottawa Real Estate Podcast (TOREP)! Hosted by seasoned Mortgage Agents Paul Stevenson and David Warren, who have been bringing the Ottawa real estate market to life with the podcast for over four years. Whether you’re buying, selling, investing, or just curious, we’re here to share insider tips, untold stories, and plenty of laughs along the way. To our loyal listeners—thank you for your support and for being part of our journey. And to our new listeners—welcome! We’re excited to have you join the conversation. Hit play, stay tuned, and let’s explore the world of real estate together! 🎉

  1. 22H AGO

    The Real Reason Canadian Home Prices Are About to Rise

    As 2026 begins, optimism is quietly returning to Canadian real estate. In this episode, we unpack what December numbers really say about buyer and seller balance, why downsizing has become more complicated than expected, and what modest price growth could look like in the year ahead. From employment trends to easing rental pressure, this conversation focuses on real market psychology and local insight rather than headlines. Is stability the real story of 2026? 00:00 Welcome to 2026: A Fresh Start in Real Estate 02:42 Market Sentiment: Balancing Buyers and Sellers 05:49 Navigating the Challenges of Downsizing 11:44 2026 Predictions: Price Increases and Market Trends 17:34 Employment Trends: Job Growth and Unemployment Rates 23:22 Rental Market Dynamics: Easing Pressure on Renters 26:21 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2 Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003 https://www.referralmortgages.com Don’t miss your chance to win a glowing 20” x 10” neon sign, sign up today! https://forms.gle/GBbq9ZrhK2k8Avgv5 If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

    28 min

  2. 12/17/2025

    2025 Ottawa Market: Our Predictions Put to the Test

    In this week’s episode, we look back at 2025 and put our real estate predictions to the test. We break down what actually happened in the Ottawa housing market, review the latest stats, and talk through inflation, mortgage rates, and shifting buyer and seller behaviour across Canada. We discuss why active listings surged, why single family homes kept prices moving, and why condos told a different story. We also talk about variable versus fixed rate mortgages, how inflation is shaping lending decisions, and why Ottawa continues to stay resilient compared to other Canadian markets. 00:00 Introduction and Year-End Reflections 02:43 Market Predictions Review 05:41 Current Market Stats and Trends 08:54 Inflation and Economic Indicators 11:40 Variable vs Fixed Rate Mortgages 14:51 Listener Engagement and Comments 17:32 Future Predictions and Market Insights 27:45 Holiday Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2  CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2  Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003  https://www.referralmortgages.com Don’t miss your chance to win a glowing 20” x 10” neon sign, sign up today! https://forms.gle/GBbq9ZrhK2k8Avgv5 If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com  Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

    30 min

  3. 12/10/2025

    2026 Renewals Are About to Flood the Market

    In this week’s episode we break down the real estate trends shaping buyer behaviour, the growing caution in the Canadian housing market, and why so many people are holding out for better deals. We talk about the impact of recent employment data on mortgage rates, the sudden appeal of variable rates over fixed, and why 2026 is shaping up to be a pivotal year with a surge in renewals and activity. We also discuss how bank consolidations may reshape lending across Canada and how Royal LePage’s price predictions align with what we are seeing on the ground. Rising mortgage arrears and tighter broker regulations point to a major shift in the quality and stability of the market. Watch the full conversation to hear our thoughts and see how these trends may shape the next two years. 00:00 Introduction to the Current Real Estate Market 02:36 Market Trends and Predictions for 2026 05:43 Impact of Employment Data on Mortgage Rates 08:38 Variable vs Fixed Mortgage Rates 11:31 Bank Consolidations and Their Effects 16:29 Royal LePage Predictions for Home Prices 20:42 Mortgage Arrears and Financial Stress 28:23 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2  CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2  Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003  https://www.referralmortgages.com Don’t miss your chance to win a glowing 20” x 10” neon sign, sign up today! https://forms.gle/GBbq9ZrhK2k8Avgv5 If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com  Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

    28 min

  4. 12/03/2025

    Canada’s Housing Crisis: The Coming Reality Check

    In this week’s episode of the Ottawa Real Estate Podcast, we look at why Canada’s GDP shocked the market and how interest rates, the bond market, and global influences are shaping real estate across the country. We talk about stalled business investment, soft consumer spending, and why the economy feels like it is running on fumes. We also break down the rise of bank consolidations, the changing mindset around homeownership, and why more young Canadians are turning to the booming stock market instead of real estate. 00:00 Intro and Personal Updates 02:49 Economic Overview: GDP and Market Trends 05:50 Interest Rates and Bond Market Dynamics 08:53 Impact of Global Events on Canadian Economy 12:09 Bank Consolidation and Its Effects 14:42 Shifts in Consumer Behavior and Real Estate Perspectives 18:05 The Future of Homeownership vs. Renting 20:47 Bank Earnings and Market Adjustments 23:50 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2  CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2  Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003  https://www.referralmortgages.com Don’t miss your chance to win a glowing 20” x 10” neon sign, sign up today! https://forms.gle/GBbq9ZrhK2k8Avgv5 If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com  Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

    31 min

  5. 11/26/2025

    Canada's Real Estate Market Just Changed Forever

    In this week’s episode we explore how the newly approved federal budget affects mortgage rate policy and why political stability plays such a crucial role in rate movements. We also look at the changes introduced by Bill 60 and how its updated landlord tenant rules may accelerate eviction timelines and influence rental supply. We also review the latest data on mortgage arrears and discuss what rising delinquency signals about household stress across the country. We compare fixed and variable mortgage rates and talk through what borrowers should consider as rate trends evolve. This episode brings together the key market forces Canadians need to understand as the housing landscape continues to change. 00:00 Intro 01:04 The Federal Budget Was Approved 02:45 Political Stability and Its Impact on Mortgage Rates 04:38 Understanding Bill 60 and Its Implications for Landlords 11:49 The Balance Between Landlord and Tenant Rights 18:05 Current Trends in Mortgage Arrears and Market Dynamics 27:23 Listener Questions: Should We Lock In a Rate Now or Wait? 29:29 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2  CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2  Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003  https://www.referralmortgages.com Don’t miss your chance to win a glowing 20” x 10” neon sign, sign up today! https://forms.gle/GBbq9ZrhK2k8Avgv5 If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com  Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

    31 min

  6. 11/19/2025

    Inside Canada’s Real Estate Rollercoaster

    In this week's episode we break down the latest national and Ottawa market data, revealing how month-over-month gains, shifting buyer behavior, and economic pressure points are shaping the fall market. From interest rate uncertainty to government budget impacts, this conversation explores the signals behind the volatility and what they may mean for buyers and homeowners. 01:38 Real Estate Market Overview 01:57 Budget Implications on Real Estate 03:23 Current Home Sales Trends 05:17 Market Volatility and Buyer Behavior 07:40 Investor Insights and Market Predictions 11:42 Economic Indicators and Their Impact 13:24 Lending Practices and Buyer Conditions 22:33 Government Budgets and Cost of Living 28:04 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2  CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2  Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003  https://www.referralmortgages.com Don’t miss your chance to win a glowing 20” x 10” neon sign, sign up today! https://forms.gle/GBbq9ZrhK2k8Avgv5 If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com  Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

    30 min

  7. 11/12/2025

    Why Your Home Deal Is Falling Apart (And How to Avoid It)

    In this week’s episode, we unpack everything shaping the Canadian real estate market right now. We explore how lenders are competing, the growing pressure of mortgage renewals, how appraisals are changing deal outcomes, and why gifted down payments are under closer scrutiny. We also break down Ottawa’s latest housing stats and what shifting job trends could mean for homeowners and buyers. 00:00 Introduction and Remembrance Day Reflection 02:06 Market Insights from the Centum Network Conference 03:20 Renewals and Market Dynamics 08:19 B Lenders not Renewing Client's Mortgages 10:36 Appraisals and Their Impact on Transactions 19:17 Gifted Down Payments and Financial Strategies 22:52 Ottawa Market Statistics and Trends 28:03 Job Market Insights and Economic Indicators 31:41 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2  CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2  Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003  https://www.referralmortgages.com Don’t miss your chance to win a glowing 20” x 10” neon sign, sign up today! https://forms.gle/GBbq9ZrhK2k8Avgv5 (The winner will be chosen randomly and announced on October 29th) If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com  Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

    32 min

  8. 11/06/2025

    How the 2025 Canadian Budget Could Reshape Real Estate in Ottawa

    This week we break down the 2025 Canadian budget and what it could mean for the housing market, mortgage industry, and everyday Canadians. We talk about the government’s focus on rental housing, the projected 78.3 billion dollar deficit, and how public sector job cuts could ripple through the real estate market. We also share our thoughts on transparency in government spending and what these changes might signal for the future of Ottawa’s housing landscape. 00:00 Intro 01:55 The Federal Budget 11:15 Job Cuts and Impact on the Real Estate Market 24:41 The Current State of the Rental Market 28:04 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2  CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2  Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003  https://www.referralmortgages.com Don’t miss your chance to win a glowing 20” x 10” neon sign, sign up today! https://forms.gle/GBbq9ZrhK2k8Avgv5 (The winner will be chosen randomly and announced on October 29th) If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com  Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

    30 min
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About

Welcome to The Ottawa Real Estate Podcast (TOREP)! Hosted by seasoned Mortgage Agents Paul Stevenson and David Warren, who have been bringing the Ottawa real estate market to life with the podcast for over four years. Whether you’re buying, selling, investing, or just curious, we’re here to share insider tips, untold stories, and plenty of laughs along the way. To our loyal listeners—thank you for your support and for being part of our journey. And to our new listeners—welcome! We’re excited to have you join the conversation. Hit play, stay tuned, and let’s explore the world of real estate together! 🎉

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