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. 9h ago

    Why Canadians Can't Make Sense of These Headlines

    Mortgage rates still are not moving, but the story behind them is changing fast. We discuss why the latest economic headlines are sending mixed signals and why even the biggest financial institutions are taking things one day at a time. In this week's episode, we discuss the latest Canadian jobs report, slowing manufacturing, the growing impact of artificial intelligence on the economy, and why bond markets continue to influence mortgage rates across Ontario. We also explore how uncertainty is affecting the Ottawa real estate market and why so many Canadians are struggling to make sense of conflicting headlines. 00:00 World Cup Excitement 02:26 Analyzing Job Market Trends 05:59 Manufacturing Sector Challenges 08:26 Manufacturers Relocating To The US 10:16 AI and Tech Investments in Canada 12:27 Oil Market Fluctuations and Economic Impact 15:04 Current Real Estate Market Sentiment 17:48 Navigating Uncertainty in Home Buying 21:43 The Balance of Supply and Demand 26:36 New Bylaws Affecting Landlords 30:45 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 Derek Serra President Westboro Mortgage Investment Corp. www.westboromic.com 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, BIG - Billyard Insurance Group, and A to Z Cleaning Expert.

  2. Jul 8

    Here's Why This Government Rebate Has Builders Paying Attention

    A new government rebate could change the way many Canadians approach buying a home. In this week's episode of the Ottawa Real Estate Podcast, we break down the latest Government of Canada new home rebate, explain who may qualify, and discuss why this policy is already getting attention across the housing market. We also look at the latest Canadian real estate statistics, how builders are responding to changing demand, and why interest rates and bond yields continue to play such an important role in mortgage pricing. With expectations that fixed mortgage rates could ease in the coming months, we discuss what homeowners, first time buyers, and anyone following the Canadian housing market should be watching next. 00:00 Intro and Soccer Buzz 01:38 Current Real Estate Market Trends 05:04 New Home HST Rebate Explained 12:42 Impact of New Construction on the Market 20:33 Market Statistics and Analysis 24:07 Interest Rates and Economic Outlook 28:12 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 Derek Serra President Westboro Mortgage Investment Corp. www.westboromic.com 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, BIG - Billyard Insurance Group, and A to Z Cleaning Expert.

  3. Jun 24

    Why Canadians Are Building Homes Instead of Buying Them

    This week we sit down with Derek Serra, President of Westboro MIC, to discuss one of the biggest shifts happening in Canadian real estate right now. We explore why more Canadians are considering building their own homes, the hidden challenges of construction financing, and why private mortgages are becoming an increasingly important part of the housing market. We also discuss the condo slowdown, foreign buyer policies, construction costs, mortgage lending trends, and why many borrowers with excellent credit scores are turning to private lenders for short term financing solutions. Whether you're thinking about building a custom home, navigating today's housing market, or simply trying to understand where Canadian real estate is heading next, this conversation offers valuable insights into the realities facing homeowners, builders, and mortgage borrowers in 2026. 00:00 Introduction to Private Lending and the Mortgage Market 01:17 Special Guest Intro: Derek Serra 04:04 Common Misconceptions About Private Lending 07:12 When Private Mortgages Make Sense 09:45 Bridge Loans 15:00 Government Intervention in the Housing Market 20:00 The Rise of Custom Home Building 21:01 Impact of Government Policies on Real Estate 22:41 Challenges in Construction Financing 26:48 Client Preparedness for Building a Home 34:11 The Future of Private Lending 37:53 Navigating Economic Uncertainty 39:07 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 Derek Serra President Westboro Mortgage Investment Corp. www.westboromic.com 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, BIG - Billyard Insurance Group, and A to Z Cleaning Expert.

  4. Jun 18

    The Housing Market Feels Stuck. Here's Why.

    Buyers are waiting. Sellers are hesitating. And mortgage rates are reacting to events happening far beyond Canada's borders. In this week's episode, we break down what's really driving today's market, whether buying before selling makes sense right now, where mortgage rates could go next, and why uncertainty may be the biggest force shaping real estate decisions in 2026. 00:00 Introduction and Personal Updates 01:08 Insights from Whitehorse: Housing Market and Lifestyle 05:30 Current Events Impacting Mortgage Rates 14:20 Understanding Mortgage Brokers and Their Role 21:36 Buying vs. Selling: Strategies in Today's Market 27:53 Conclusion and Lighthearted Moments 28:57 World Cup 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 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, BIG - Billyard Insurance Group, and A to Z Cleaning Expert.

  5. Jun 10

    Self-Employed? You Can Still Buy a Home in Ontario!

    If your mortgage is renewing soon, the first offer you receive is rarely the final word. And if you are self-employed and have been told you do not qualify, there are programs most people never hear about that can change that conversation entirely. This week, we answer real questions from real Ottawa listeners, including fixed versus variable right now, what the renewal process actually looks like, and how self-employed buyers are getting approved without twenty percent down. 00:00 Intro 01:19 Current Market Trends and Observations 03:17 Understanding Mortgage Renewals 09:24 Fixed vs. Variable Rates: Making the Right Choice 14:42 Should I Lock In My Rate Now? 17:05 The Process of Renewing Your Mortgage 22:10 Can I get A Mortgage If I'm Self-Employed in Canada 29:12 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 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, BIG - Billyard Insurance Group, and A to Z Cleaning Expert.

  6. Jun 3

    Are Buyers Panic-Canceling Deals?

    Something unusual is happening in the Canadian real estate market right now. This week we talk about buyers accepting offers and then walking away, what Canada's technical recession means for housing prices and mortgage rates going forward, and why rural properties are quietly becoming one of the most interesting opportunities in the market right now. We also make the case for why having the right professionals around you in this environment is more important than it has ever been. 00:00 Intro 01:28 Rural Property Trends and Buyer Behaviour 04:46 Unique Challenges in Real Estate Transactions 10:19 The Impact of Economic Conditions on Real Estate 11:29 Choose an Experienced Realtor and Mortgage Broker 17:11 Understanding the Technical Recession in Canada 22:49 The Future of Canada's Economy and Real Estate 28:27 Navigating Mortgage Rates and Market Trends 33:07 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 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, BIG - Billyard Insurance Group, Easy Neon Signs and A to Z Cleaning Expert.

  7. May 27

    Is a Variable Rate Mortgage Your Best Move Now?

    The conversation around fixed versus variable rates just shifted and the buyers who catch this early are going to be in a very different position than the ones who do not. This week, we break down why variable rates are increasingly becoming the more cost effective option right now, what Ottawa's unique spring market dynamics mean for buyers and sellers this season, and why military relocations create a pattern in the Ottawa market that most people outside the region never think about. 00:00 Introduction to the Spring Market 01:40 Spring Market Update 02:50 Military Relocations and Their Impact 05:54 Understanding Days on Market and Pricing Strategies 09:10 Shifts in Interest Rates: Fixed vs. Variable 13:24 Renewal Conversations and Market Adjustments 21:31 Unique Market Dynamics in Ottawa 26:28 Positive Market Outlook and Personal Reflections 27:01 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 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, Easy Neon Signs and A to Z Cleaning Expert. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

  8. May 20

    Interest Rates vs Oil Prices: Which One Matters More?

    Ottawa home prices and new listings are both up at the same time, and that combination is telling two very different stories depending on which side of the market you are on. In this episode, we break down the latest real estate numbers, what rising interest rates and global oil prices are doing to everyday affordability in Canada, and why the next five years in the housing market may look nothing like the last five. We also get into AI and tokenized investments and what those shifts could mean for how Canadians build wealth going forward. 00:00 Intro and Weekend Recap 01:41 April Real Estate Statistics 04:56 Market Trends and Buyer Behaviour 08:37 Future Predictions and Economic Shifts 15:37 Interest Rates and Inflation Insights 18:46 CPI Data and Its Implications 27:55 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 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, Easy Neon Signs and A to Z Cleaning Expert. https://www.easyneonsigns.ca Use code TOREP and get 20% off all your orders. (This is an affiliate link).

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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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