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. 6D AGO

    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

  2. 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

  3. 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

  4. 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

  5. MAR 11

    Oil Prices and Why Your Mortgage Just Got Expensive

    In this week’s episode of the Ottawa Real Estate Podcast, we discuss how global geopolitical conflicts are quietly influencing mortgage rates across Canada and why markets react so quickly to international events. We break down how oil prices, inflation pressures, and bond markets connect directly to the mortgage rates Canadians see today. We also talk about the latest market activity heading into the spring surge, the shifting housing supply across Canada, and why the role of mortgage brokers is becoming more important in today’s environment. 00:00 Intro 02:01 Market Trends and Spring Surge 03:54 The Role of Brokers in Mortgage Conversations 06:53 Geopolitical Impact on the Market 12:54 Ads 14:41 Rental Market Dynamics 15:35 The Shift in Housing Supply 21:10 Understanding Private Lending 27:10 February Market Stats and Trends 29:31 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).

    31 min

  6. FEB 26

    If You Wait for a Crash You Could Lose Thousands in 2026

    Most buyers are waiting for rates to fall or for a market crash that may never come. But what if 2026 is the year that waiting quietly costs you thousands? In this episode of the Ottawa Real Estate Podcast, we share what we learned at the Mortgage Professionals Canada Conference and how it could reshape your strategy. We talk about why rates are expected to stay stagnant in 2026, why a major housing crash is unlikely, and how demographic shifts are quietly driving long term housing demand across Ottawa and Ontario. We also talk about inventory levels, construction slowdowns, government policy impacts, and what they mean for housing affordability in Canadian real estate. If you are a first time home buyer, a homeowner thinking about early renewal, or an investor watching interest rate forecasts, this conversation could change how you approach your mortgage strategy. 00:00 Demographic Time Bomb in Real Estate 00:26 Insights from the Mortgage Professionals Conference 01:03 Attending The Mortgage Professionals Canada National Conference 02:04 Interest Rates and Market Stability 04:34 Demographics and Home Buying Trends 06:38 Supply Constraints and Market Dynamics 08:41 Supply Constraints Make Downsizing Harder 11:08 Government Cuts and Market Resilience 13:42 Current Market Conditions and Future Predictions 16:14 Sponsor Ads 18:00 Listener Questions: Renovations vs. Turnkey Homes 22:52 Listener Questions: Early Renewal Strategies 28:47 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. FEB 18

    This New Mortgage Option Could Cost You Thousands More

    A new 2 percent down payment program sounds like a breakthrough for first time home buyers. But when we look closer, the numbers tell a different story. This week on the Ottawa Real Estate Podcast, we break down Nova Scotia’s new down payment option and why it may come with higher mortgage rates than many expect. We connect the dots between inflation, housing affordability, and the growing impact of regulatory red tape on Canadian real estate prices. We also discuss recent inflation data, how it influences mortgage rates across Canada, and why structural housing policies continue to shape home ownership opportunities. 00:00 Intro and Olympic Weekend Recap 02:05 Nova Scotia 2% Down Payment Program 12:05 Impact of Inflation on Canadian Economy 18:29 Impact on Mortgage Rates 20:07 CMHC Study on Housing Affordability 23:58 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 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

  8. FEB 11

    Listing First Could Be Your Biggest Advantage in This Changing Market

    Most homeowners and buyers are flying blind in today’s real estate market: missed opportunities, longer sales cycles, and rising frustration. In this episode, we strip away the hype to reveal the real story behind Ottawa’s shifting real estate landscape and how you can navigate it safely. Discover why now is the perfect time to list if you want to maximize your sale, how weak demand is putting buyers in control, and what overlooked strategies can help you get ahead, like listing your home first or considering creative financing options. Don’t let market uncertainty hold you back! Listen now to stay ahead of the curve. 00:00 Intro 01:32 January Real Estate Market Stats 03:35 Challenges in Selling Properties 07:05 Market Trends and Buyer Strategies 08:49 Renewal Cycles and Mortgage Options 12:08 Innovative Programs for First-Time Buyers 17:16 Market Pressures and Future Predictions 18:48 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).

    20 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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