The Ottawa Real Estate Podcast

TOREP
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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. 4D AGO

    Your Mortgage Rate Just Got Hit by Global Conflicts

    The Bank of Canada held rates but what Tiff Macklem said about sticky inflation should have every Canadian buyer and homeowner paying close attention. Global conflicts are pushing energy prices up, and that pressure is already working its way into mortgage rates and everyday costs across Canada. In this episode we discuss the rate decision, new government changes to mortgage insurance and the RRSP home buyers plan that most people have completely missed, and why no matter how good AI gets, it will never replace a real conversation when hundreds of thousands of dollars are on the line. 00:00 Intro and Martini Madness Event 02:27 Bank of Canada's Rate Announcement and Economic Outlook 07:27 Government's Spring Economic Update and Housing Initiatives 11:22 Home Buyers Plan and RRSP Withdrawals 16:49 Current Market Sentiment and Real Estate Trends 21:39 AI in Real Estate: Trust and Human Interaction 29:16 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! Buy Martini Madness Tickets: https://martini-madness.ca 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).

    31 min

  2. APR 29

    Canada Just Made a Massive Economic Move (Here's Why)

    Re/Max is being acquired by Real Brokerage, Canada just announced its first ever sovereign wealth fund, and AI is quietly reshaping how real estate transactions happen. Three massive shifts landed in the same week and almost nobody is connecting the dots. In this episode we talk about what the Real Brokerage acquisition of Re/Max actually means for agents, buyers, and sellers in Canada. Real is a cloud-based tech-first brokerage and this deal is not just a business transaction, it is a signal about where the entire industry is heading. The sovereign wealth fund conversation is just as important. Canada is putting public money to work through a brand new national fund, and we break it down for Canadians who have never heard of a sovereign wealth fund and why it matters for the broader economic picture heading into the rest of 2026. 00:00 Introduction and Economic Overview 01:14 Martini Madness Charity Event 03:09 Real Estate Industry Consolidation: REAL will acquire REMAX 11:39 AI and Automation in Real Estate 16:40 Canada's National Sovereign Wealth Fund 29:05 Mood Boosts Buy Martini Madness Tickets: https://martini-madness.ca

    30 min

  3. APR 22

    Your Home's Price Doesn't Matter If This Is Wrong

    Most people listing their home right now are focused on the wrong things entirely, and it is costing them offers they never even know they missed. In this episode Paul sits down with Frances Ebbrell, a real estate agent who has built her approach around something most agents never talk about: emotional storytelling. Frances breaks down why selling a home has nothing to do with listing its features and everything to do with making a buyer feel something the moment they walk through the door or read the listing description. She explains the difference between a home that sits and a home that gets multiple offers, and it comes down to whether buyers can picture themselves living the life that home represents. The conversation also gets into presentation in a way that goes beyond staging tips. She also covers radon awareness, what sellers need to know before listing, and how to price and position a home in a market where buyers are still waiting for prices to drop. If you are thinking about selling in Ottawa or the surrounding area this spring, this episode will change how you think about what your home is actually worth and how to present it to get the best possible outcome. 00:00 Intro 01:36 The Art of Storytelling in Real Estate 06:05 Things To Consider When Listing Your House 10:14 Understanding Radon and Its Health Implications 15:16 Current Market Trends and Seller Expectations 20:34 Are People Still Buying Houses in Carleton Place? 24:38 The Importance of Presentation in Real Estate 26:37 Surprising Fact: The Multiple Offers 27:58 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 Frances Ebbrell Carleton Place Realtor Frances@boardwalkottawa.com www.francesebbrell.com Instagram: https://www.instagram.com/febbrell 613-806-5272 https://www.facebook.com/frances.ebbrell Listing video and pics: https://easyagentmedia.hd.pics/30-Emily-St/idx 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).

    31 min

  4. APR 15

    The Six Week Window You Can't Miss

    The spring market in Ottawa is not arriving the way most people expected, and if you are waiting for the headlines to tell you when to move, you are already behind. In this episode, we break down the March numbers and what they are actually signalling beneath the surface. Days on market dropped sharply, inventory is rising, and prices are quietly firming up in ways that do not show up in the general conversation yet. Detached homes, townhouses, and condos are each telling a different story right now and knowing which segment is leading the recovery could completely change your approach as a buyer or seller this season. We also look beyond Ottawa at what is happening nationally, from major urban centres seeing sharp price swings to smaller markets in Quebec and the Prairies quietly outperforming. Migration trends, transit challenges, and off-grid property demand are all adding new layers to the affordability picture coast to coast. 00:00 Introduction and Personal Updates 01:43 March Real Estate Market Overview 05:34 Spring Market Predictions 09:24 National Market Trends and Affordability 12:53 Off-Grid Living and Market Shifts 14:24 Government Policies and Market Impact 24:13 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).

    25 min

  5. APR 8

    New Build Prices Just Shifted: Here's What Changed

    Most people buying a new build right now have no idea that the rules just changed, and whether that change puts money back in your pocket or quietly disappears depends entirely on what you know before you sign. In this episode we break down the new HST rebate rules and what they actually mean in practice, because the way builders and lawyers are handling these changes varies wildly and the difference could cost you thousands. We walk through four real scenarios that show exactly how this plays out at the table and what you need to ask before you get there. We also get into what is happening in the broader market right now. Geopolitical tensions are pushing energy prices up, inflation is responding, and mortgage rates are moving in ways that are genuinely hard to predict even for the people who set them. Ottawa's spring market is caught in the middle of all of it and we explain exactly how that affects your timing as a buyer or seller. 00:00 Spring Market Dynamics and Weather Impact 01:33 Understanding New HST Rules and Their Implications 11:35 Inflation Warnings and Market Disconnect 18:29 Geopolitical Tensions and Economic Uncertainty 25:30 Navigating the Current Real Estate Landscape 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).

    34 min

  6. APR 1

    The $130,000 Rebate Nobody's Talking About Correctly

    Everyone is talking about the $130,000 HST rebate but almost no one understands how it really works. We break down what is actually happening behind the scenes and why this confusion could cost buyers thousands. In this episode, we uncover the real mechanics of the Ontario HST rebate and we explore how purchase prices, incentives, and monthly payments are affected and why this one year window could be one of the most important opportunities in the Ontario housing market right now. If you are looking at new builds in Ottawa or anywhere in Ontario, or even Canada, this conversation will change how you think about rebates, affordability, and timing. We connect the dots between mortgage strategy, housing supply, and government incentives so you can make smarter decisions in a fast shifting Canadian real estate market. 00:00 Intro 02:21 Understanding the HST Rebate Program 06:24 Misconceptions About the Rebate 08:30 Pros and Cons of the Rebate for Buyers 15:43 Impact on Builders and the Market 20:30 Economic Implications of the Rebate 21:51 Ontario Is Slashing Development Fees Up To 50% 25:03 Future of Housing in Ontario 28:52 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).

    30 min

  7. MAR 25

    First-Time Buyers Have Waited Years for This Market: Here's What Actually Happened

    First time buyers in Canada have been told to wait, save more, and be patient for years now, and the market has not rewarded that patience. In this episode we sit down with Shaun Cathcart, Senior Economist at the Canadian Real Estate Association, and we get into what the actual data says about where the Canadian real estate market stands right now, how mortgage rate swings and global events are reshaping what buyers can realistically afford, and whether the long awaited recovery is something buyers can actually count on or just another headline that fades. Shaun also breaks down the housing supply problem in a way that makes clear why building more homes is not as simple as politicians make it sound. If you are a first time buyer in Ottawa or anywhere in Ontario trying to figure out whether now is the time to move, this conversation gives you the clearest picture available right now from someone who works with the data every single day. 00:00 Intro 02:52 Market Uncertainty and Economic Factors 05:32 The Impact of Rising Mortgage Rates 08:56 First-Time Buyers and Market Dynamics 11:11 The Missing Middle in Housing Development 16:19 The Role of Purpose-Built Rentals 22:40 Future Predictions for the Condo Market 26:14 Reallocating Housing Resources 28:41 Land Transfer Tax Credits for Downsizing 33:09 Job Market Dynamics in Ottawa 40:10 Spring Market Trends and Predictions 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 Shaun Cathcart Senior Economist - CREA www.crea.ca 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).

    48 min

  8. MAR 18

    Mortgage Renewals Are About to Get Expensive: Here's Why

    Mortgage renewals could be the most expensive financial decision you have ever made without even realizing it. We are in a rate environment where even the experts admit predictions over three to five years are essentially guesswork. In this episode, we break down what is actually driving mortgage rates in Canada right now, why global events you would never think to connect to your monthly payment are quietly shaping what you will owe at renewal, and what Ottawa homeowners need to be thinking about before they sit down with their lender. 00:00 Introduction to the Podcast and Hosts 01:27 Market Trends and Real Estate Insights 04:48 Navigating Mortgage Renewals 08:06 Understanding Economic Influences on Rates 15:27 Current Inflation and Housing Market Dynamics 19:56 Predictions for the Spring Market 23:36 Upcoming Guest and 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).

    26 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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