Real Collective Podcast

Sean Tasse

Welcome to the Real Collective Podcast with Sean Tassé and Brendan McKeigan! The Ottawa real estate agents will talk about all things real estate in Ottawa to give you a leg up on your buying and selling journey. Don't miss an episode of fun and informative insights into real estate!

  1. 02/11/2025

    S14E4 | The Effects of Political and Economic Uncertainty on the Market | REAL Collective Podcast

    Get your Magic Mind here: https://www.magicmind.com/RCP20You get 20% off for a one time purchase and up to 48% off for subscriptions with my code: RCP20This week, Sean and Kyle discuss the effects of political and economic uncertainty on the market.Our hosts begin by announcing that the show will be going on hiatus, making this the last episode. In the meantime, feel free to revisit past episodes—there’s plenty of evergreen content to help buyers, sellers, investors, or those looking to refinance.Next, they discuss how uncertainty impacts the market, drawing on both real estate and mortgage financing perspectives. They explore past government transitions and their effects on the industry, providing historical insights.The conversation then shifts to the differences between commercial and residential financing, highlighting key distinctions. They also dive into the ongoing evolution of business as a whole—how we operate, how transactions happen, and the decreasing demand for commercial space in a changing work environment. Thank you for tuning in for 165 episodes—your support means everything. Keep it REAL Collective!To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/Book a chat with Sean or Kyle today! Sean: https://calendly.com/seanrealcollective Kyle: https://calendly.com/kmmortgage/phone-connect You can also follow us here:Instagram: https://www.instagram.com/real.collective.inc Facebook: https://www.facebook.com/realcollective.ca TikTok: https://www.tiktok.com/@realcollective LinkedIn: https://www.linkedin.com/company/real-collective-inc Website: https://www.realcollective.caKyle Miller on Instagram: https://www.instagram.com/kylemillerottawaKyle Miller on Facebook: https://www.facebook.com/KylemillermortgagesIntro (0:00)The last episode for a while (1:18)Uncertainty – what effect does that have on the market (5:12)Government efficiency? (5:50)We expect two markets this year (6:30)Mortgage agent angle of what’s coming (7:20)Last government change over impact in 2015 (9:44)RE/MAX Hallmark Connect economic update (11:10)A lot of red tape for small businesses in Canada (12:20)But we need to build more homes (13:30)Who are politicians really talking to? (14:25)Get a sharp mind with Magic Mind (15:19)Commercial Multi-Unit Building Story (18:27)Commercial vs Residential financing (19:15)What does it mean to have CMHC funding on a 6-plex? (21:45)Do they have the 1.5 million top end on them? (22:33)Going to 50-year amortization with commercial financing (22:58)Commercial office space demand decreasing (23:57)It’s time for us to evolve (25:53)So long (29:22)Outro (32:35)

    33 min

  2. 02/04/2025

    S14E3 | When Closing Day Takes a Turn: Real Stories of Unexpected Delays | REAL Collective Podcast

    This week on the REAL Collective podcast Sean and Kyle are discussing when closing day takes a turn and some real stories of unexpected delays. They kick off the episode by exploring the different types of real estate closing delays, starting with those caused by banks. They share a story of a bank-related delay, diving into the complexities behind it. The conversation then shifts to a deal held up by promissory notes and a predatory lending situation, highlighting the potential pitfalls. They discuss how delays can create a domino effect, impacting multiple parties in a transaction. The hosts also cover a case where a buyer delayed closing to shop for better interest rates—a strategy that can backfire due to unexpected costs, emphasizing the importance of doing the math. They recount a story about a three-month closing, weighing the pros and cons of relisting the home versus waiting it out. To wrap up, they provide a brief update on the impact of recent interest rate drop. Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective! Get your Magic Mind here: https://www.magicmind.com/RCP20 You get 20% for one time purchase and up to 48% off for subscriptions with our code: RCP20 To get in touch with Kirk Law Office, visit: https://kirklawoffice.ca/ To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/ Book a chat with Sean or Kyle today! Sean: https://calendly.com/seanrealcollective Kyle: https://calendly.com/kmmortgage/phone-connect You can also follow us here: Instagram: https://www.instagram.com/real.collective.inc Facebook: https://www.facebook.com/realcollective.ca TikTok: https://www.tiktok.com/@realcollective LinkedIn: https://www.linkedin.com/company/real-collective-inc Website: https://www.realcollective.ca Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages Intro (0:00) Delayed closings (3:30) Banks delaying to the last moment (4:22) Another closing delay where there was a second mortgage (7:06) There’s an inherent risk with real estate (10:22) Predatory lending (12:26) How the dominoes can fall (13:20) A circle of 12 first refusals (14:33) Shout out to Kirk Law Office (16:55) Second half (17:09) Another delayed closing story due to rate shopping (17:50) Classic case of not doing the numbers (20:00) Never go on vacation when you are closing (24:18) 3-month delay on a close (25:35) Trash the deal and relist or delay closing? (27:15) The impact of the interest rate drop (28:06) Why variable or adjustable is the best choice if you are rate driven (31:22) Outro (33:00)

    34 min

  3. 01/28/2025

    S14E2 | Unpacking Street Suffixes and Real-Life Real Estate Stories | REAL Collective Podcast

    What's in a name? This week we are unpacking street suffixes and real-life real estate stories with Sean and Kyle. In this episode, we kick things off by exploring various street suffixes and uncovering their meanings. You might be surprised to learn that each one serves a specific purpose, with a rhyme and reason behind it. In the second half, Sean and Kyle dive into some recent real estate happenings. They share a story about a power of sale deal they’re working on together and the challenges that come with such transactions. Kyle also highlights the importance of open communication and strong relationships with colleagues. Plus, they discuss a particularly intriguing house showing that left Sean scratching his head. Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective! To get in touch with Azita Fathi at PrimeService Insurance, visit: https://primeservice.ca/azita-fathi/ or reach out to her at azita.fathi@primeservice.ca | 416-456-5205. Get 45% off the Magic Mind bundle with our link: https://www.magicmind.com/RCPJAN To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/ Book a chat with Sean or Kyle today! Sean: https://calendly.com/seanrealcollective Kyle: https://calendly.com/kmmortgage/phone-connect You can also follow us here: Instagram: https://www.instagram.com/real.collective.inc Facebook: https://www.facebook.com/realcollective.ca TikTok: https://www.tiktok.com/@realcollective LinkedIn: https://www.linkedin.com/company/real-collective-inc Website: https://www.realcollective.ca Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages Intro (0:00) Why work with Azita? (2:50) We’re talking about street suffixes (5:22) Road (6:40) Way (7:13) Street (7:25) Avenue (9:45) Boulevard (10:13) Lane (13:50) Drive (14:24) Terrace (14:59) Place (15:57) Court (16:43) Crescent (17:17) Plaza or Square (17:30) The benefits of working with Azita Fathi (20:14) Second half (21:40) Story time - Power of Sale (22:00) Story time – Delayed Closing (27:10) Story time – Kyle on the power of open communication and why relationships matter. (32:10) Side note – if you are selling your house, put the weed away (34:50) Outro (36:12)

    37 min

  4. 01/21/2025

    S14E1 | What to Expect in the 2025 Ottawa Real Estate Market | REAL Collective Podcast

    Sean and Kyle are discussing what to Expect in the 2025 Ottawa Real Estate Market this week on the REAL Collective Podcast. The episode kicks off with Sean sharing predictions and exploring Ottawa's unique identity as a Federal government town. They touch on politics, examining how a Liberal versus Conservative government could influence Ottawa's real estate market. Midway through, Sean and Kyle chat about the benefits they've experienced with Magic Mind, highlighting its benefits and offering a special January deal. In the second half, the conversation shifts to interest rates, the emergence of a balanced market, and the return of seasonality to the real estate market. Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective! To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/ Book a chat with Sean or Kyle today! Sean: https://calendly.com/seanrealcollective Kyle: https://calendly.com/kmmortgage/phone-connect You can also follow us here: Instagram: https://www.instagram.com/real.collective.inc Facebook: https://www.facebook.com/realcollective.ca TikTok: https://www.tiktok.com/@realcollective LinkedIn: https://www.linkedin.com/company/real-collective-inc Website: https://www.realcollective.ca Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages Intro (0:00) Unpacking thoughts about 2025 and some predictions (2:40) Two separate markets happening (3:45) Ottawa is a Federal Government Town (6:20) Impact of Liberal vs Conservate government in the Ottawa market (6:54) Success or Failure? Depends on what lens you are looking through (9:50) Solutions to the housing crisis (12:10) Why we love Magic Mind (12:30) Ottawa home and Remodeling show tickets (17:20) What’s the expectations in terms of interest rates (18:40) Have to sell vs want to sell (21:50) A pessimistic view from someone in the trenches (26:20) When rates are low, things are bad (28:08) Getting close to balanced market territory (28:55) Fallout from NAR ruling in the states (30:08) Uncertainty leads to lack of buyer confidence (30:38) You aren’t going to be saved by a rate (31:52) Outro (32:22)

    34 min

  5. 01/14/2025

    S13E13 | The Latest in Mortgages: A Chat with Frank Napolitano | REAL Collective Podcast

    Co-Host Kyle Miller (Mortgage Agent) sits down for a chat with Frank Napolitano (Founding Partner and Level 2 Mortgage Agent) at Mortgage Brokers Ottawa, for an insightful conversation on the latest mortgage trends. They explore how global events are influencing interest rates, the impact of the pandemic on the current mortgage landscape, and the growing number of individuals approaching renewal time in 2025. Frank shares strategies for managing tight cash flow, discusses recent regulatory changes, and highlights the smart moves buyers should consider today. He emphasizes the importance of getting a second opinion from a mortgage broker to avoid costly penalties and offers valuable tips and solutions. Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective! Get your Magic Mind here: https://www.magicmind.com/RCP20 You get 20% for one time purchase and up to 48% off for subscriptions with our code: RCP20 To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/ Book a chat with Sean or Kyle today! Sean: https://calendly.com/seanrealcollective Kyle: https://calendly.com/kmmortgage/phone-connect You can also follow us here: Instagram: https://www.instagram.com/real.collective.inc Facebook: https://www.facebook.com/realcollective.ca TikTok: https://www.tiktok.com/@realcollective LinkedIn: https://www.linkedin.com/company/real-collective-inc Website: https://www.realcollective.ca Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages Intro (0:00) We’re getting up to renewal time for a large number of pandemic buyers (1:00) About Frank Napolitano (2:30) Lead with the good news (3:10) Solutions for tight cash flow (3:45) Compromise is the name of the game (4:12) Mortgage rates in the US and the differences (5:40) What’s going on at a regulatory level (7:20) Loan to income ratios (9:45) 30 Year amortization (11:55) First Time Home Buyer Plan (12:56) Are these changes addressing affordability? (13:45) City of Ottawa increased development charges this year (14:45) Toronto’s issues with condo values right now (16:19) The market in Ottawa – you don’t need to worry about the big swings (17:50) Economists are struggling to predict what will happen in 2025 (18:30) REAL Collective Marketing (20:12) Second half (20:43) Battling predictions (21:14) Fall outs happening with new builds now (23:05) What is the smart move? (25:05) Some companies are shutting their doors (26:16) March announcement will be interesting (27:12) What does the retail sales report do? (27:56) Difference between variable and adjustable (29:05) The importance of getting a second opinion (31:36) The nerves of going into an adjustable or variable mortgage (33:10) Why a big bank might not be the best place to have a fixed rate mortgage (33:20) Sometimes you need to do what’s right (38:30) Insurance is not mandatory with a bank (39:17) Outro (40:28)

    41 min

  6. 01/07/2025

    S13E12 | Top 3 Takeaways from 2024 to Help You Succeed in 2025 | REAL Collective Podcast

    This week Sean and Kyle are sharing their top 3 takeaways from 2024 to help you succeed in 2025. In this episode, our hosts dive into the top three real estate takeaways and top three financing takeaways that can set you up for success in 2025, whether you're planning to buy, sell, or invest. They explore how market trends from the past year are shaping the real estate landscape and share actionable insights to help you navigate the year ahead with confidence. From understanding shifting buyer preferences to leveraging strategic pricing and preparing for potential market fluctuations, they also discuss the importance of knowing your bottom line and truly understanding what the numbers mean for you. It’s all about doing the math to see how a home purchase fits into your personal financial picture. Don’t miss these valuable lessons to help you stay ahead and make informed decisions in 2025. Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective! If you would like to learn more about one of our trusted partners, PB Law, visit: https://www.pblawfirm.ca/ Get your Magic Mind here: https://www.magicmind.com/RCP20 You get 20% for one time purchase and up to 48% off for subscriptions with our code: RCP20 To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/ Book a chat with Sean or Kyle today! Sean: https://calendly.com/seanrealcollective Kyle: https://calendly.com/kmmortgage/phone-connect You can also follow us here: Instagram: https://www.instagram.com/real.collective.inc Facebook: https://www.facebook.com/realcollective.ca TikTok: https://www.tiktok.com/@realcollective LinkedIn: https://www.linkedin.com/company/real-collective-inc Website: https://www.realcollective.ca Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages Intro (0:00) Kyle’s #3 – Government implementing rules in an effort to make things better for people in the mortgage world (2:27) Sean’s #3 – Real Estate is back to the usual seasonality (5:00) Digging into the numbers (5:45) Sean’s predictions on where we’ll end up number wise (6:40) Sean’s #2 – Buyers all want a deal right now (8:58) Kyle’s #2 – Understanding what the math says (11:36) Stress can be alleviated by understanding the math, look at solutions instead of problems (13:18) Shout out to PB Law Firm (15:30) Second half (16:18) Sean’s honourable mention for the #1 spot – Deals are hard right now. (17:06) The financing perspective (19:12) A few examples (21:00) Having the right people in your corner (23:14) Kyle’s #1 – Interest rate misconceptions (24:00) What does this mean to me? (27:44) Sean’s #1 – Reasonable sellers won (28:27) Outro (33:10) #realcollective #podcast #realestate #realestateteam #ottawa

    34 min

  7. 12/17/2024

    S13E11 | What the Rate Cut Means For You & A Heartwarming Financing Story | REAL Collective Podcast

    Sean and Kyle discuss what the rate cut means for you & a heartwarming financing story this week on the REAL Collective Podcast. In this episode, we break down the recent 50 basis point rate cut from the Bank of Canada and what it means for both variable and fixed-rate mortgages. Kyle dives into the bond market's reaction and explains which type of mortgage has historically meant paying less interest over time. During the break, we talk about why we love working with Kirk Law Office and what makes them stand out. Learn more here: https://kirklawoffice.ca/. In the second half, Kyle shares a heartwarming story of a mortgage that almost didn’t come together, overcoming obstacles just in time for his client to move into her new home right before Christmas. We also discuss how financing has changed over the years, with clients needing to fit into the bank's mould rather than the other way around. Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective! Get your Magic Mind here: https://www.magicmind.com/RCP20 You get 20% for one time purchase and up to 48% off for subscriptions with our code: RCP20 To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/ Book a chat with Sean or Kyle today! Sean: https://calendly.com/seanrealcollective Kyle: https://calendly.com/kmmortgage/phone-connect You can also follow us here: Instagram: https://www.instagram.com/real.collective.inc Facebook: https://www.facebook.com/realcollective.ca TikTok: https://www.tiktok.com/@realcollective LinkedIn: https://www.linkedin.com/company/real-collective-inc Website: https://www.realcollective.ca Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages #realcollective #podcast #realestate #realestateteam #ottawa Intro (0:00) Quick chat about the recent interest rate cut by the BOC (1:30) What happened with the bond market during the announcement? (2:10) Historically which rate has been cheaper? (3:30) Why an adjustable/variable rate could be the way to go right now (5:00) The main difference between adjustable and static payments (6:30) You can manipulate your mortgage (9:46) The difference between Canada and the States (10:36) Shout out to Kirk Law Office (13:21) Second half (14:13) Story time (14:40) Why it pays to get a second opinion (15:00) Why are we sending cheques in the mail in 2024? (21:43) How different financing is today (23:43) We are trying to force ourselves into the bank’s model (27:45) Outro (29:14)

    30 min

  8. 12/10/2024

    S13E10 | BOC Rate Predictions, and Shocking Mortgage Stories | REAL Collective Podcast

    This week on the REAL Collective Podcast our hosts are talking about BOC rate predictions, and shocking mortgage stories. They kick off the episode by diving into the final Bank of Canada rate announcement of the year, set to take place tomorrow. Kyle shares his predictions, while Sean breaks down how it could shape the real estate market next year. They then explore recent tech updates for realtors, discussing why these changes are happening and their potential impact. Sean also highlights some of the challenges currently unfolding. During the break, they give a special shoutout to Azita Fathi of PrimeService Insurance. You can learn more about Azita here: https://primeservice.ca/azita-fathi/. In the second half, they share some truly jaw-dropping mortgage stories, including a $150,000 mortgage penalty and a case of identity fraud uncovered when the client attempted to buy a home. Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective! Get your Magic Mind here: https://www.magicmind.com/RCP20 You get 20% for one time purchase and up to 48% off for subscriptions with our code: RCP20 To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/ Book a chat with Sean or Kyle today! Sean: https://calendly.com/seanrealcollective Kyle: https://calendly.com/kmmortgage/phone-connect You can also follow us here: Instagram: https://www.instagram.com/real.collective.inc Facebook: https://www.facebook.com/realcollective.ca TikTok: https://www.tiktok.com/@realcollective LinkedIn: https://www.linkedin.com/company/real-collective-inc Website: https://www.realcollective.ca Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages #realcollective #podcast #realestate #realestateteam #ottawa Intro (0:00) Last BOC Rate Announcement coming this week (1:55) What does Kyle think about it (2:56) Kyle’s Prediction (3:40) Sean’s predictions on the real estate market (4:50) How some changes in the states that has led to a new system here for REALTORS® (5:22) Board amalgamation coming (7:10) The new system has limitations (8:26) What’s the client impact of the new system? (11:15) Matrix vs Realm (14:45) The mortgage rules are continually changing (15:50) A shout out to Azita Fathi of PrimeService Insurance (17:40) Second half (20:23) The unbelievable story of a $150,000 penalty (21:17) Real estate agents and mortgage agents filling the gaps (27:35) A story about identity theft (28:42) Outro (32:05)

    33 min
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About

Welcome to the Real Collective Podcast with Sean Tassé and Brendan McKeigan! The Ottawa real estate agents will talk about all things real estate in Ottawa to give you a leg up on your buying and selling journey. Don't miss an episode of fun and informative insights into real estate!

Information

  • Creator
    Sean Tasse
  • Years Active
    2021 - 2025
  • Episodes
    161
  • Rating
    Explicit
  • Copyright
    © Sean Tasse
  • Show Website
    Real Collective Podcast