Shows
Ontario Mortgage & Real Estate Insights PodcastCMHC Rules, Ontario Insolvencies, and Economic Trends Impacting Real EstateIn this episode, we begin with a welcome and an overview of the topics to be discussed, followed by a sponsor message from Real Approved Inc. We explore CMHC's return to pre-pandemic rules and its implications for housing affordability. The discussion then shifts to the rising trends in Ontario insolvency filings and consumer proposals. We address the challenges faced by landlords and pre-construction buyers, and examine the rise in Canadian bond yields and their economic impact. We also discuss OSFI's stance on the domestic stability buffer and bank capitalization. The episode concludes with closing remarks and a sponsor reminder.
(0:00) Welcome...2025-06-2711 min
Let's Talk House PodcastLet's Talk House Episode 20: How Canadians Are Navigating Mortgages in 2025—CMHC Survey Deep DiveCurious about what’s really happening in Canada’s housing market? On Let’s Talk House, I break down the latest trends, real stories, and insider tips from the 2025 CMHC Mortgage Consumer Survey—so you don’t have to navigate real estate alone. Whether you’re a first-time buyer, a seasoned homeowner, or just dreaming about your next move, tune in for honest conversations and practical advice that make sense for real life in today’s market. Hit play and let’s make your homeownership journey a little easier, together!#podcast #realestatepodcast #realestateadvice #torontorealestate #torontomortgage #cmhc #ratehike #realestatetips...2025-06-2608 min
Ontario Mortgage & Real Estate Insights PodcastCMHC Urban Targets, Mortgage Challenges, and Ontario Real Estate TrendsIn this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We dive into a CMHC report focusing on housing construction and urban targets, followed by Fitch Ratings' perspective on Canada's housing market. The discussion shifts to the mortgage challenges faced by younger Canadians and explores real estate trends in Ontario and Toronto amid economic uncertainty. We also examine the latest inflation figures and their impact on the broader economy. The episode concludes with closing remarks and a sponsor reminder.
(0:00) Introduction to the podcast
(0:20) Sponsor: Real Approved Inc.
(0:38) CMHC report on housing construction & urban targets
(4:02...2025-06-2519 min
Multifamily Real Estate Insights PodcastCMHC Refinance for Secondary Suites and Multifamily Development HighlightsIn this episode, Sandy MacKay introduces the podcast and provides an overview of the topics to be discussed. He delves into the CMHC Refinance program for secondary suites, discussing eligibility, qualifications, and benefits, along with considerations like loan-to-value ratio, amortization period, property value assessment, rental income qualifications, and credit score requirements. Sandy also explores the Capilano Mall redevelopment in North Vancouver and Wood Partners' Alta River Park project in Fort Worth, Texas, highlighting their development details and impact. The episode emphasizes the importance of multifamily housing developments and concludes with Sandy's closing remarks, summarizing key insights and expressing gratitude to...2025-06-2408 min
Multifamily Real Estate Insights PodcastCMHC multi-unit loan insurance backed 283,000 units in 2024In this episode, Sandy MacKay provides an overview of the Canada Mortgage and Housing Corporation's (CMHC) performance in 2024, emphasizing its influence on the multifamily real estate sector. Sandy delves into the impact and strategies surrounding CMHC's MLI Select product, highlighting its role in shaping housing support and achieving environmental goals. The episode concludes with Sandy's closing remarks, where he summarizes the key insights discussed and expresses gratitude to listeners for their continued support and engagement.
(0:00) Introduction and CMHC's 2024 performance overview
(1:00) Impact and strategies of CMHC’s MLI Select product
(2:05) Housing support, environmental goals, and closing remarks
2025-06-2302 min
Ontario Mortgage & Real Estate Insights PodcastCMHC Housing Supply Gaps, Regional Trends, and Simcoe County Market InsightsIn this episode, we begin with a welcome and a sponsor message from Real Approved Incorporated. We delve into CMHC's latest report on housing supply gaps, examining the pace of home construction and regional differences in supply and affordability. The episode covers CMHC's Annual Report for 2024, highlighting strategies and commitments to sustainability. We also explore real estate market trends specific to Simcoe County. The episode concludes with closing remarks and a sponsor reminder.
(0:00) Welcome and introduction
(0:20) Sponsor: Real Approved Incorporated
(0:38) CMHC's latest housing supply gap report and home construction pace
(2:16) Regional differences in housing supply and home affordability issues
(5:31) CMHC's...2025-06-2012 min
Vancouver Real Estate PodcastVREP #473 | Cheaper Condos, Bigger Crisis: CMHC's Warning for Vancouver with Aled abIorwerthFalling condo prices and declining rents might seem like good news forbuyers and renters today, but CMHC's Deputy Chief Economist warns this temporary relief issetting up an even worse housing crisis in the years to come. Aled ab Iorwerth sits down withAdam & Matt to reveal the alarming dynamics behind today's condo market in both Vancouverand Toronto, with project cancellations surging and the presale financing model under severestrain in both cities. As oversupply floods the market and individual investors flee, Canada'slargest metros face a critical question about their housing future. Will today's market stagnationdoom tomorrow's supply? Are we sacrificing long-term...2025-06-2046 min
Canadian Private Lenders’ PodcastEp. 86 | What Do Canadians Think About the Housing Market? Insights from the 2025 CMHC Consumer ReportIn this fun and insightful episode, Neal and Ryan welcome the newest member of the Keystone team, Sam Horstman, as he joins the show for a special quiz format. Using the recently released 2025 CMHC Mortgage Consumer Survey, Sam tests Neal and Ryan’s knowledge and assumptions on key trends in the Canadian mortgage market. They cover consumer behavior, social media influence, refinancing, home buying motivations, surprising stats around HELOCs, green renovations, and more. This episode offers a deeper understanding of current market sentiment and what it means for lenders, brokers, and real estate professionals. Don’t miss it!2025-06-1832 min
Multifamily Real Estate Insights PodcastHouse Bill 5002, Zoning Insights, and CMHC Loan Updates in Multifamily Real EstateIn this episode, Sandy MacKay begins with an overview of a new multifamily proposal and House Bill 5002, providing insights into its potential impact on the real estate sector. He delves into the dynamics between local zoning regulations and state intervention, discussing the implications for developers and investors. Sandy then introduces CMHC Mortgage Loan Insurance, explaining its features and benefits. The episode continues with a discussion on debt service ratios and interest rate considerations, offering valuable information for investors looking to optimize their financing strategies. Sandy concludes with a summary of the episode's key points and closing remarks.
(0:00) Introduction and overview...2025-06-1706 min
REI Hot Seat with Andrew Hines and The Investments GroupE135 CMHC Trick Most Investors MissBecome an REI Hot Seat Insider: https://submit.jotform.com/info_Admin_info831/rei-hotseat-insider-sign-up-formIn episode E135 of the REI Hot Seat, Andrew Hines and Brad McCrae break down a unique investment opportunity in Hamilton—a historic heritage property that once belonged to a former mayor.The building features standout architecture, tall ceilings, and spacious units, offering immediate cash flow and multiple value-add strategies. With five current units (including one in the basement), the property presents several avenues for increasing density: adding a studio unit in the basement, legalizing the current non-conforming unit, building into the large attic, or potentially addi...2025-06-1619 min
Ontario Mortgage & Real Estate Insights PodcastToronto Condo Sales, Ontario Market Trends, and CMHC InsightsIn this episode, we kick off with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We discuss insights from principal brokers on Toronto condo sales and explore trends in the Southwestern Ontario market, including mortgage debt patterns. The conversation shifts to CMHC's updates on housing supply and mortgage delinquency rates. We emphasize the importance of staying aware of market dynamics to make informed decisions. The episode concludes with a sponsor reminder from Real Approved Inc.
(0:00) Welcome & Introduction
(0:19) Sponsor: Real Approved Inc.
(0:39) Principal Brokers & Toronto Condo Sales
(5:35) Southwestern Ontario Market & Mortgage Debt Trends
(10:06) CMHC Housing Supply...2025-06-1315 min
Multifamily Real Estate Insights PodcastOntario Updates: Legislative Changes, CMHC Support, and Sustainable Multifamily ProjectsIn this episode, Sandy MacKay explores recent legislative changes in Ontario and their benefits for real estate investors. He discusses streamlined development processes and the ideal timing for new projects. Sandy highlights the resilience of the residential market and the support from the Canada Mortgage and Housing Corporation (CMHC), including their online tools for investors. The episode also covers Carttera's sustainable project on Queen West, focusing on its design and architecture. Sandy concludes with the project timeline and key takeaways for multifamily investors.
(0:00) Introduction to legislative changes and benefits for real estate in Ontario
(1:06) Streamlining development processes and ideal timing...2025-06-1308 min
The Wise Old Owl PodcastThe Complete 2025 CMHC Survey BreakdownThis week, Vince dives into the 2025 CMHC Survey. The survey reveals First-time buyers are drowning in debt. Renewers are hitting a financial wall. Refinancers are pulling equity just to survive. The 2025 CMHC Mortgage Consumer Survey is here—and the results are SHOCKING. From sky-high down payments and emotional stress, to the renewal cliff and risky refinancing trends—this is a mortgage wake-up call for every Canadian. Whether you’re in Toronto, Vancouver, or beyond, this affects YOU.For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/2025-06-1308 min
Ontario Mortgage & Real Estate Insights PodcastCMHC Mortgage Report, Ontario Legislation, and Economic TrendsIn this episode, we begin with an introduction by Steve Hamoen, followed by a sponsor message from Real Approved Inc. We delve into the CMHC Residential Mortgage Industry Report, focusing on mortgage delinquencies. The discussion then shifts to Ontario's new real estate legislation and its potential impact on the market. We provide an update on the state of condo markets in Toronto and Vancouver. Economic updates are covered, including the performance of the Canadian dollar, U.S. inflation, and oil prices. The episode concludes with closing remarks and a reminder from our sponsor, Real Approved Inc.
(0:00) Introduction by Steve Hamoen
(0:21...2025-06-1210 min
Ontario Mortgage & Real Estate Insights PodcastGST Rebate on New Homes, CMHC Condo Insights, and Economic TrendsIn this episode, we start with a welcome and an overview of the GST rebate. Following a sponsor message from Real Approved Inc., we delve into Ottawa's proposal for a GST rebate on new homes, discussing its potential impact on the housing market. We then provide an update from CMHC on condo markets and explore investor stress. Economic developments and insolvency trends are also examined, highlighting their effects on the real estate sector. The episode wraps up with closing remarks and a sponsor reminder.
(0:00) Welcome & GST Rebate Overview
(0:21) Sponsor: Real Approved Inc.
(0:40) Ottawa's proposal for a GST rebate on new...2025-06-1110 min
Halifax Real Estate PodcastEpisode 69: CMHC's 2025 Mortgage Consumer Survey W/ Matt Legatto!CMHC has released the details of their 2025 Mortgage Consumer Survey, and they are fascinating!Engaging with roughly 4000 homeowners across Canada, CMHC was able to gain some insight into homebuyers and their experiences purchasing a home and owning a home within the last 18 months. A few things to note that come out of the survey. 1.) 65% of first time home buyers paid the maximum they could afford for their home. 2.) 54% of the first time home buyers shared their home purchase with someone other than their partner or spouse. (Think co-signer on the mortgage.)3.) 35% of fir...2025-06-101h 23Halifax Real Estate PodcastEpisode 69: CMHC's 2025 Mortgage Consumer Survey! W/ Matt LegattoCMHC has released the details of their 2025 Mortgage Consumer Survey, and they are fascinating!Engaging with roughly 4000 homeowners across Canada, CMHC was able to gain some insight into homebuyers and their experiences purchasing a home and owning a home within the last 18 months. A few things to note that come out of the survey. 1.) 65% of first time home buyers paid the maximum they could afford for their home. 2.) 54% of the first time home buyers shared their home purchase with someone other than their partner or spouse. (Think co-signer on the mortgage.)3.) 35% of fir...2025-06-101h 22
Multifamily Real Estate Insights PodcastExploring Mixed-Use Developments, CMHC Opportunities, and the UK's Renters' Rights BillIn this episode, Sandy MacKay opens with an introduction before diving into SunCap Property Group's mixed-use development in Dilworth, discussing the community's pushback against the project. He then explores current investment opportunities in multifamily real estate, highlighting the latest offerings from the Canada Mortgage and Housing Corporation (CMHC). Sandy provides a legislative update on the UK's Renters’ Rights Bill, analyzing its potential impacts on the multifamily market. The episode concludes with Sandy's sign-off, summarizing the key insights and takeaways for investors interested in navigating the evolving landscape of multifamily real estate.
(0:00) Introduction by Sandy MacKay
(0:18) Update on SunCap Property Group's mi...2025-06-1007 min
Multifamily Real Estate Insights PodcastCMHC Multifamily Insights, Foreclosure Case Study, and Due Diligence EssentialsIn this episode, Sandy MacKay kicks off with an introduction to the multifamily offerings by the Canada Mortgage and Housing Corporation (CMHC), providing insights into their significance for investors. He delves into a case study of the Tides on Cave Creek foreclosure, analyzing the factors that led to this situation and the lessons investors can learn. Sandy emphasizes the importance of due diligence in multifamily investments, outlining key steps and considerations to mitigate risks. The episode offers valuable perspectives for those interested in multifamily real estate, focusing on strategic approaches to navigate the market effectively.
(0:00) Introduction to CMHC's multifamily offerings
(2:20...2025-06-0704 min
The Wisdom, Lifestyle, Money, ShowValue Add CMHC MLI-Select Apartment Building Financing StrategySend us a textIn this episode, Scott is joined by Jennifer Champion and Christine Traynor to discuss value-add strategies for multi-family apartment buildings. The hosts share their active investing experience and explain how to force appreciation through strategic property improvements and rent optimization.Key Timestamps: [0:00] Introduction to Value-Add Multi-Family InvestingFocus on forcing appreciation vs. just cashflowWhy controlling income and expenses matters in multifamilyPredictable refinance outcomes[2:30] 💰 Forcing Appreciation StrategyRaising rents to market valueControllable income and expense factorsDifference from single-family appreciation methods[4:15] 📊 Real World Case Study Example$1.5 million purchase price$...2025-06-0505 min
Multifamily Real Estate Insights PodcastInsights into Multifamily Market Trends: CMHC, Greener Homes, and River LoftsIn this episode, Sandy MacKay starts with an overview of the current economic climate, setting the stage for a discussion on CMHC's first-quarter results and the performance of the multifamily sector. He explores the Canada Greener Homes Loan Program and its implications for housing affordability. The episode moves on to Inland Real Estate's 2025 Residential Sector Review and examines the demand drivers in the U.S. multifamily housing market. Sandy discusses the effects of construction costs and supply disruptions, and the trends among institutional investors in the U.S. market. A detailed look at Institutional Property Advisors' River Lofts transaction is...2025-05-3109 min
Ontario Mortgage & Real Estate Insights PodcastCMHC Report, TD Bank Analysis, and Homeowner Financial TrendsIn this episode, we kick off with an introduction to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We discuss the latest CMHC report, highlighting financial strain on homeowners and available options. The episode then shifts to TD Bank's recent earnings, examining mortgage volumes and providing a market analysis. We explore trends in mortgage paydown and TD's credit performance. Closing remarks include advice for homeowners navigating the current market, and we end with a sponsor message from Real Approved Inc.
(0:00) Introduction to the Ontario Mortgage & Real Estate Insights Podcast
(0:20) Sponsor: Real Approved...2025-05-2506 min
Multifamily Real Estate Insights PodcastNavigating High Rates: CMHC Loans, Investor Trends, and Multifamily Housing InsightsSandy MacKay dives into the landscape of multifamily housing amid high interest rates and current investor trends. The episode examines the challenges faced by potential homeowners and highlights the increasing focus of foreign investors on multifamily properties. Sandy provides an overview of multifamily housing markets and the CMHC Income Property mortgage loan insurance, detailing its eligibility, requirements, and financing options. The discussion also covers financial planning tools, eco-friendly products, and credit considerations for CMHC loans. The episode wraps up with real estate news, shifts in investor interest, and emerging opportunities in real estate investing, concluding with appreciative remarks for the...2025-05-0608 min
Commercial Real Estate PodcastState of Lending: Cracking CMHC and Navigating New CRE Lending Rules in 2025 with Aaron Cameron and Adam PowadiukWelcome to the CRE podcast. 100% Canadian, 100% commercial real estate.
In this special episode of the Commercial Real Estate Podcast, hosts Aaron Cameron and Adam Powadiuk explore the evolving landscape of commercial real estate lending in Q1 2025. From CMHC’s shifting rental achievement requirements to construction financing strategies and Canada Mortgage Bond program changes. They break down key market trends, explain why retail lending is on the rise, how to structure blended financing, and what developers and investors need to know to navigate today’s tightening credit environment.
What you will learn:
How CMHC’s rental...2025-04-1033 min
Commercial Real Estate PodcastState of Lending: Cracking CMHC and Navigating New CRE Lending Rules in 2025 with Aaron Cameron and Adam PowadiukWelcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this special episode of the Commercial Real Estate Podcast, hosts Aaron Cameron and Adam Powadiuk explore the evolving landscape of commercial real estate lending in Q1 2025. From CMHC’s shifting rental achievement requirements to construction financing strategies and Canada Mortgage Bond program changes....
The post State of Lending: Cracking CMHC and Navigating New CRE Lending Rules in 2025 with Aaron Cameron and Adam Powadiuk appeared first on Commercial Real Estate Podcast.2025-04-1033 min
Commercial Real Estate Insights PodcastToronto Cuts Red Tape, CMHC Drops Pre-Approved 6-Plexes, and Builders Walk Away—What Smart Investors Do NextIn this episode, Steven Hamoen opens with an overview of the key topics to be discussed. He delves into the outlook for Ontario homebuilders and the current state of housing supply, analyzing the challenges and opportunities they face. The conversation progresses to the CMHC's Housing Design Catalog, highlighting the advantages of modular construction in addressing supply issues. Steven also examines recent interest rate trends and their implications for the real estate market. The episode concludes with Steven's final thoughts on market signals, offering insights into how these factors could influence future investment decisions.
(0:00) Introduction and episode overview
(0:31) Ontario homebuilders and...2025-03-2306 min
Ontario Mortgage & Real Estate Insights PodcastOntario Housing Inflation, CMHC Forecasts, and Leadership ChangesIn this episode, we begin by discussing inflation concerns in the Ontario housing market. A sponsor message from Real Approved Inc. follows. We delve into the CMHC report, focusing on the housing starts forecast and analyze trends in house prices across various Canadian cities. The conversation shifts to considerations for choosing between fixed and variable mortgage rates. Updates on Montfort Capital's business sale are provided, along with news about industry leadership changes following David Mandel's retirement. The episode concludes with closing remarks and a sponsor message from Real Approved Inc.
(0:00) Introduction and Inflation concerns in the Ontario housing market
(0:20) Sponsor...2025-03-2118 min
Kelowna Real Estate Podcast94: How CMHC Programs Shape Canadian Real Estate with Peakhill Capital's Spencer HarrisWATCH
▶️ Watch this episode on YouTube
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EPISODE DESCRIPTION
Episode 94: Matt and Taylor are joined by Spencer Harris. Spencer is the Vice President, Financing at Peakhill Capital from Kelowna, BC, and is responsible for loan origination across Western Canadian markets. Peakhill Capital is a commercial real estate asset manager providing competitive and flexible financing structures to developers, investors, and REITs. A CMHC-approved lender, Peakhill is also a direct lender on behalf of its own balance sheet and investment funds, and has funded more than 2,000 transactions totalling in excess of $12 billion since it's...2025-03-1835 minKelowna Real Estate Podcast94: How CMHC Programs Shape Canadian Real Estate with Peakhill Capital's Spencer HarrisWATCH
▶️ Watch this episode on YouTube
***
EPISODE DESCRIPTION
Episode 94: Matt and Taylor are joined by Spencer Harris. Spencer is the Vice President, Financing at Peakhill Capital from Kelowna, BC, and is responsible for loan origination across Western Canadian markets. Peakhill Capital is a commercial real estate asset manager providing competitive and flexible financing structures to developers, investors, and REITs. A CMHC-approved lender, Peakhill is also a direct lender on behalf of its own balance sheet and investment funds, and has funded more than 2,000 transactions totalling in excess of $12 billion since it's...2025-03-1835 min
The Canadian Real Estate InvestorRocket Mortgage Leaves, CMHC Changes the Rules, & The 10 Most Affordable MarketsA deep dive into Rocket Mortgage's exit from Canada, highlighting how the Canadian banking system favours the Big Six banks. The episode also covers Hudson's Bay's creditor protection filing and CMHC's new MLI Select program restrictions, concluding with insights into Canada's most affordable cities. Key Points: Rocket Mortgage's exit demonstrates how Canada's unique mortgage system and Big Six banks' dominance creates barriers for international competitors. Hudson's Bay, North America's oldest company, files for creditor protection amid retail sector challenges. CMHC implements sudden changes to MLI Select program, affecting investors' ability to bundle single-family home purchases. 8 of...2025-03-1148 min
Ontario Mortgage & Real Estate Insights PodcastToronto Trends, Market Analysis, and CMHC Policy UpdatesIn this episode, we begin with an introduction and an overview of the latest trends in Toronto's real estate market. A sponsor message from Real Approved Inc. follows. We then explore credit-driven exuberance and provide a detailed market analysis. The episode delves into recent policy changes by the Canada Mortgage and Housing Corporation (CMHC) and their potential implications for the housing market. We also discuss Rocket Mortgage Canada's exit from the market and its broader impact. The episode concludes with closing remarks and a reminder of our sponsor, Real Approved Inc.
(0:00) Introduction and Toronto real estate trends
(0:21) Sponsor: Real Approved...2025-03-0608 min
Physician EmpowermentBonus Episode - CMHC and the Real Estate Lending ProcessWant to dive deeper into topics like this? Master your journey with Physician Empowerment’s Masterclass Membership—your gateway to exclusive content, expert-led sessions, and actionable strategies to elevate your personal and financial well-being. Learn more and join us today! https://www.physempowerment.ca/masterclass—In this episode, Dr. Wing Lim talks with financing expert Gaurav Sobti about the real estate investment financing landscape. They explain the differences between residential and commercial financing, heading into a deeper exploration of the complexities involved in financing the different types of real estate. Wing and Gaurav’s discussion highligh...2025-02-2138 min
Sync or Swim: The Multifamily Growth ShowWhat CMHC's 2024 Fall Report Means for Canada's Rental Market The Canada Mortgage and Housing Corporation (CMHC) has recently released its annual rental market report, and today, we sit down with its Deputy Chief Economist, Tania Bourassa-Ochoa to discuss what the report means for the future of housing in Canada. We begin with the work of CMHC and who its target market is before diving into its 2024 rental market report. Then, we unpack the recent rise of housing supply, how Montreal is a step ahead, why the number of multifamily units is beginning to match that of studio apartments, and how rent control measures may influence tenant b...2025-02-2032 minSync or Swim: The Multifamily Growth ShowWhat CMHC's 2024 Fall Report Means for Canada's Rental Market The Canada Mortgage and Housing Corporation (CMHC) has recently released its annual rental market report, and today, we sit down with its Deputy Chief Economist, Tania Bourassa-Ochoa to discuss what the report means for the future of housing in Canada. We begin with the work of CMHC and who its target market is before diving into its 2024 rental market report. Then, we unpack the recent rise of housing supply, how Montreal is a step ahead, why the number of multifamily units is beginning to match that of studio apartments, and how rent control measures may influence tenant b...2025-02-2032 min
Real Life Mortgage SolutionsCMHC Spousal buyout programLen Lane, founder of Brokers for Life Inc., discusses the rising divorce rates in Alberta and how the CMHC Spousal Buyout Program can help individuals retain ownership of their homes post-divorce. This program allows a spouse to qualify for a mortgage independently, covering up to 95% of the property's value to settle outstanding mortgages and other financial obligations outlined in a court-ordered separation agreement. Lane highlights key criteria, including the property being a principal residence and both spouses being on the title. By facilitating a structured approach to asset division, the program can help individuals s...2025-02-1811 min
Ontario Mortgage & Real Estate Insights PodcastEpisode 216: Fixed Rates Drop, Ontario Rental Trends, and CMHC 2025 OutlookIn this episode, we discuss the recent drop in fixed mortgage rates amid tariff disputes and how market fluctuations affect lenders. Learn strategies for securing mortgage preapprovals and rate holds. We explore variable rates and potential actions by the Bank of Canada. Discover Ontario's rental market trends and CMHC's 2025 Housing Market Outlook. Challenges in Toronto's real estate market and a partnership between Farm Lending Canada and BMO are highlighted. Updates on the Quinte real estate market and Central Lakes Realtors' advocacy efforts are also featured. The episode opens and closes with a sponsor message from Real Approved Inc.
(0:00) Welcome and...2025-02-0724 min
Ontario Mortgage & Real Estate Insights PodcastEpisode 214: CMHC Outlook, Interest Rates, and Housing Market Trends in CanadaIn this episode, we delve into the CMHC's latest housing market outlook, highlighting ongoing affordability challenges. We examine interest rate forecasts from the Bank of Canada and National Bank, and introduce Frank Fintech's new digital mortgage platform. The discussion extends to competition among banks and the impact of U.S. tariffs on the housing sector. We explore the relationship between Canada's productivity and the housing market, providing insights into recent trends. Additionally, we discuss the slowdown in home sales in London St. Thomas. The episode wraps up with a sponsor message from Real Approved.
(0:00) CMHC latest housing market outlook and...2025-02-0515 minThe Canadian Real Estate Investor2025 Market Outlook with CMHC's Chief EconomistIn this exciting episode, we take you behind the scenes of our visit to the CMHC headquarters in Ottawa, where we sit down with Chief Economist Mathieu Laberge for an in-depth conversation about Canada's housing market. From analyzing nationwide rent trends to discussing housing starts and the complex dynamics of supply and demand, this interview offers invaluable insights into the current state of Canadian housing. Join us as we explore the latest data, reports, and expert analysis from one of Canada's most important housing institutions. Whether you're a real estate professional, investor, or simply interested in understanding...2025-01-2142 minCommercial Real Estate PodcastHousing Crunch: Immigration, Rent, and the Future of Canadian Real Estate with Francis Cortellino, Chief Analyst at CMHCWelcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this episode of the Commercial Real Estate Podcast, Adam and Aaron sit down with Francis Cortellino, Chief Analyst at CMHC, to discuss Canada’s housing market challenges. They explore how immigration is driving rental demand, the impact of limited supply on affordability, and the...
The post Housing Crunch: Immigration, Rent, and the Future of Canadian Real Estate with Francis Cortellino, Chief Analyst at CMHC appeared first on Commercial Real Estate Podcast.2024-12-1934 min
Ontario Mortgage & Real Estate Insights PodcastEpisode 158: CMHC's Affordability Analysis, Federal Housing Response, and MLS StandardizationIn this episode, we begin with an introduction and sponsor mention. The focus shifts to housing affordability, highlighting CMHC's analysis and the decline in urban centers. We discuss the federal response to the housing shortage and its impact on renters. An opinion piece examines real estate boards and the evolving value proposition they offer. We explore the argument for a standardized MLS and the potential benefits of a single-board model in Ontario. The episode wraps up with closing remarks and a sponsor reminder.
(0:00) Introduction and sponsor mention
(0:39) Housing Affordability: CMHC's Analysis & Urban Centers' Decline
(1:53) Federal Response to Housing Shortage and...2024-12-1007 min
Ontario Mortgage & Real Estate Insights PodcastEpisode 157: CMHC Trends, BMO's Economic Outlook, and Proactive Mortgage Renewal PlanningIn this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We delve into CMHC trends, focusing on how low interest rates are affecting mortgage renewals. The discussion moves to proactive planning strategies for anticipated mortgage renewal cost increases. We examine BMO's increase in loan loss provisions and its credit management approach, alongside the bank's economic outlook and adjustments in its mortgage portfolio. Additionally, we address Canadian Western Bank's delayed financial results and potential acquisition plans. The episode concludes with closing remarks and another sponsor message from Real Approved Inc.
(0:00) Introduction and sponsor message from...2024-12-0910 min
Ontario Mortgage & Real Estate Insights PodcastEpisode 156: BoC Rate Cut Opinions, Bond Market Trends, and CMHC's Affordability ReportIn this episode, we start with an introduction and a sponsor message. We examine the Canadian bond market and unemployment trends, discussing the Bank of Canada's anticipated rate cuts and varying opinions on their implications. The conversation shifts to regional job market dynamics and sector-specific employment analysis, while also exploring investor expectations and potential impacts of interest rate cuts. We delve into housing market trends, predictions, and the ongoing challenges of affordability. Additionally, we highlight CMHC's research on housing affordability and how to access the report. The episode concludes with a summary and wrap-up.
(0:00) Introduction and sponsor message
(0:37) Canadian bond...2024-12-0713 min
Ontario Mortgage & Real Estate Insights PodcastEpisode 155: BoC Rate Cut Predictions, Collingwood Trends, and CMHC Mortgage Cost ReportIn this episode, we explore potential Bank of Canada rate cuts and their impact on the housing market. We discuss homebuyers' cautiousness, CMHC's mortgage cost report, and challenges for homeowners with fixed-rate renewals. We also review TD Bank's mortgage growth strategy and analyze the Collingwood real estate market, focusing on supply, demand, and buyer opportunities. The conversation shifts to Peterborough's housing report, low vacancy rates, and rental trends, along with broader Canadian rental market issues. We conclude by addressing housing costs in inflation and the need for affordable housing, followed by closing remarks and sponsor acknowledgment.
(0:00) Introduction and sponsor mention
(0:38...2024-12-0617 minThe Canadian Real Estate InvestorCMHC Changes & Financing For $2M–$10M ProjectsJosh Findlay of BLD Financial serves mid-sized real estate developers executing projects in the $2M-$10M range in Canada. We discuss CMHC policy impacts, the MLI program's focus on energy efficiency and affordability, and emphasizes the need for sophisticated investment strategies and expert support. The $2M to $10M market is underserved by traditional banks, creating a significant opportunity in this "missing middle" segment CMHC policies are constantly changing and impact financing options, requiring ongoing attention to policy updates Risk management is crucial when dealing with high-leverage projects, emphasizing the importance of careful financial planning Attend Our Real Estate Holiday...2024-12-0343 min
Ontario Mortgage & Real Estate Insights PodcastEpisode 148: OREA Policies, CMHC Critique, and Impact of Mortgage Stress TestsIn this episode, we start with an introduction and a sponsor message from Real Approved Inc. We then delve into the Ontario Real Estate Association's policy recommendations and the Real Estate Council of Ontario's discipline process. Mark Morris provides a critique of CMHC insurance and shares economic insights. We discuss mortgage stress tests and their impact on the housing market, followed by an analysis of five-year hybrid mortgages. The episode also covers FSRA's enforcement actions in the mortgage sector. We wrap up with closing remarks and another sponsor message from Real Approved Inc.
(0:00) Introduction and sponsor message from Real Approved...2024-11-2915 min
Real Estate Investing DemystifiedCMHC Financing In Canada: A Deep Dive With Gaurav SobtiCMHC (Canada Mortgage and Housing Corporation) isn’t just a government agency. It's the backbone of Canada's housing market. In this episode, Ava Benesocky and August Biniaz chat with Gaurav Sobti, a finance expert navigating the complexities of CMHC financing in Canada. Gaurav shares his journey from the Alberta Teachers Retirement Fund to private lending and mortgage brokering, offering unique insights into the complexities of CMHC programs. As they navigate the current housing affordability crisis, Gaurav sheds light on CMHC's pivotal role in multifamily housing finance. Join them as Gaurav discusses CMHC financing, its market impact, and his optimism fo...2024-10-2145 min
Selling Vancouver Real Estate PodcastCMHC Announces Mortgage Changes to Boost Homeownership for Canadians The new CMHC rules will enable more homebuyers to qualify for mortgage insurance, potentially allowing them to secure larger mortgage amounts, and making homeownership more accessible. This includes 30-year amortization periods and mortgage insurance qualification for houses up to $1.5 million. James and Denny share their thoughts on these changes as the government tries to stimulate home buying through policy. This episode will focus on CMHC's new lending rules, new mortgage caps, longer amortizations, new construction rule changes, prolonged presales, buyers walking away from condos, the government trying to stimulate home buying, and comparisons to 2007/08. Podc...2024-10-1021 min
Ontario Mortgage & Real Estate Insights PodcastCMHC Report, Mortgage Rates, and Ontario Real Estate Trends in Episode 96In this episode, we start with a welcome and introduction, setting the stage for a discussion on the latest Canada Mortgage and Housing Corporation (CMHC) report and how government policies are influencing housing and interest rates. We examine current mortgage rate trends and developments in the bond market. The episode also delves into U.S. employment numbers and their impact on Canadian interest rates. We address economic challenges such as oversupply, unemployment, and the growing presence of Mortgage Investment Corporations (MICs). Insights from the Canadian Mortgage Summit highlight the role of private lending. Ontario real estate valuation trends are analyzed...2024-10-0810 min
Keeping it RealEp. 35 Will CMHC Reforms Make Vancouver More Affordable?Like the show? Send me a text (if you don't like it, shhh ;)Can federal initiatives truly make Vancouver and Toronto homes affordable for millennials and Gen Z? Discover the latest CMHC guidelines that promise to shake up the real estate game. Jacquie McCarnan uncovers the federal government's new measures allowing home purchases up to $1.5 million with CMHC insurance for those able to put down 20%. She breaks down the expanded eligibility for 30-year mortgage amortizations, aiming to make monthly payments more feasible for first-time homebuyers and new build purchasers.In episode 34 of Keeping i...2024-09-2709 min
Keeping it RealEp. 35 Will CMHC Reforms Make Vancouver More Affordable?Like the show? Send me a text (if you don't like it, shhh ;)What if the federal government's new CMHC guidelines could finally make home ownership a reality for millennials and Gen Z? Tune in to today's episode of Keeping it Real, where we dissect the recent changes aimed at making housing more affordable in high-cost areas like Vancouver and Toronto. I'm your host, Jacquie McCarnan, a North Shore residential realtor, and I'm here to walk you through the impact of raising the CMHC insurance limit to $1.5 million and the expansion of 30-year mortgage amortizations for first-time...2024-09-2709 min