Angry Mortgage

Send a textGreat to have Jeremiah back on the show for all things to so with Commercial Real Estate in Ontario What's going on with Condos Developmens?Has the Office Marker really taken off?What sort of Development Land Sales are going on?How are Warehouse Sales & Leasing performing?What's the Sweet Spot for Purpose Built Rentals?We cover all this & moreSupport the show

Send a textWhat's Wrong With Canadian HousingHousing & particularly Young Canadians chances of Home Ownership is one of the most important issues in Canada today. How do it get so bad? Why is it so hard to fix? Why has government done so poorly on the policy side? Mike Moffat is the genuine article: a policy expert and and an honest broker of housing information. I have wanted him on the show for a long time, let's get some answers goingSupport the show

Send a textAI: The Trillion Dollar Business We're pleased to Have Ron back on the Pod because AI just keeps getting bigger everydayThe last 6 months has seen an explosion of Capitol Spending on AI. Hundreds of Billions to grow AI in North America & beyondWhat's the future look like? Will it turn out to be hype? Will it radically reduce some job categoriesLet's find outSupport the show

Send us a textAre Aboriginal Land Claims Becoming A Forever Issue? My Guest Bruce Pardy is an acknowledged Expert on Property Rights Law in Canada & the question of just how many more Land Claims we will see coming to Courts across Canada looms largeHow many more? How will Claims effect Property ValuesAnd most importantly why are own Construction may guarantee it will keep happening Support the show

Send us a textWant to hear the latest trends in mortgage news? We have it. Blanket appraisal craziness. January marriage breakdown blues, what happens if people split but the house is worth less than the mortgage. The huge renewal wave is here. What's the impact? Consumer debt seems bigger than ever, should people refinance that debt? Or does it just make matters worse. Oh, and will we be hearing about the end of the stress test? All this and more in news from the front linesSupport the show

Send us a textReal Truths About Real EstateAs more misinformation grows about the direction of the Ontario RE Market, we bring back Dan Foch to discuss realityAs some Realtors try to suggest we are "turning the corner" Dan can illustrate the factsInvestors have vanished or switched to CMHC Multi-familyFirst Time Home Buyers are making up a Bigger Share of the Purchase MarketBut prices are still too high for enough people to buyPrices stay down Support the show

Send us a textSenior advisor at Meredith Boessenkool & Phillips and Director of MBP Intelligence. Former Director of Communications for Pierre PoilievreWhat's wrong with Houses Prices in Canada. Even though house prices are falling in some Regions most Canadian House Prices remain Bat Shit Crazy, far too high for Young Canadians 35 & Under to a comfortable chance of owning a home to raise a family inWe've been talking about this in Canada for the last 15 years with no real solution developing why can't we fix this after so long? Support the show

Send us a textCanadian Resources Are BackWith Special Guest Heather Xner-Pirot- Director of Energy, Natural Resources and Environment program at Macdonald-Laurier InstituteHeather is one of our Country's leading experts on Canadian Resource Industries & there have been some huge changes. Why is a Mortgage Broker thinking about Resource Extraction: because that's the future of Wealth Growth in Canada & that's how Canadians will have money for housesSupport the show

Send us a textInsolvencies SoarSpecial Guest: Scott Terrio- Manager of Consumer Insolvency at Hoyes Michalos & Associates?Insolvencies are growing in Ontario & there's some new flexes in that worldDid you ever think that Casino Gambling downloaded to your phone was going to be a positive? Or that buying rental Pre-construction properties was a guaranteed path to Wealth?Ron & Scott have the details Support the show

Send us a textThe Contagion SpeadsSPECIAL GUEST Mark Morris- Lawyer at Legal ClosingWow! There is no sign of a bottom in the endless Dog Crate Condo Crash which we may upgrade from Crash to Catastrophe. Power of Sales for all types of Ontario Homes are heading for a Hockey Stick GraphAnd Mark's amazing adventures in China, a country he has been visiting & doing business in for years Support the show

Send us a textRoad To DestructionSpecial Guest Jon Flynn - Broker of Record at Flynn Real Estate Inc., BrokerageHow did we go so wrong in Canadian Real Estate. Let's go back to the beginning back 20 years & check the progression of Real Estate  twists & turns with a 20 year Ontario RE Broker & Social Media Influencer Jon FlynnHow did it all go wrong in OntarioSupport the show

Send us a textGrowing Alternative LendingSpecial Guest Sebastien Kuperhause - VP of Sales Ontario at Sequence CapitalPossibly the biggest change in the Mortgage business in the last 10 years has been the explosive growth of Private Credit: Private Mortgage LendingWhy so much bigger, who is it helping, what's the future of it. My conversation with Sebastian KuperhauseSupport the show

Send us a textHow It HappenedSpecial Guest Sabrina Maddeaux- Columnist, Co-Host of The Missing Middle Podcast and Director of Communications at Global Public AffairsCanada's House Prices are still Batshit Crazy High but how did we get here. Even though Prices are falling in some regions will they ever get to a rational level? And why did we end up building so many Dog Crate Hellscapes? Why did Planners & City Governments let it happenWe have the answers on this week's PodcastSupport the show

Send us a textSpecial Guest AlexWe know money is flowing out of Canada but are Canadian looking to leave? Has Alberta Real Estate REALLY cooled down (Edmonton excluded) What's up in the BC Interior? Lots to talk about in this Pod Support the show

Send us a textLet's Hear From The OppositionSpecial Guest Adam Chambers, Conservative Member of Parliament for Simcoe North, OntarioLet's talk to an MP who has been in Ottawa watching the Liberal Government's approach to Government: what's happened, what's likely going to happen & what the results have been so farRon's got some thoughts as well!Support the show

Send us a textAre Some People In Trouble?Very Special Guest David ChiltonBestselling Author of "The Wealthy Barber" and Former Dragon on "Dragons' Den"David is the most famous Canadians in Personal Finance that I know, he has a New Updated Version of his Mega Seller the Wealthy Barber available nowWe talk about, Real Estate, Housing, personal finance & too much temptation based on Ultra Available Credit And how will Canada weather the coming Financial Storm Support the show

Send us a textDid Tiff Say Too MuchAfter announcing the 25 BPS Cut Bank of Canada Governor Tiff Macklem decided to tell everyone that was the last cut he is thinking about doingWhich sent Government of Canada Bond Yield soaring & possibly pushing Fixed Mortgage Rates UPTiff, when will you learn to just shut up about the Future: Remember how "Rates will be low for long" worked out, just say we will continue to monitor the EconomyAlso on the Show US 30 Yr Mortgage ProductsShould Canadians Switch to Variable What will happen to House Prices Support the show

Send us a textPlanning Dept. SillinessSpecial Guest Ian Jones- President and Founder of BGI GroupA return visit from the voice of reason in Development WorldWhat's changes happened that may help. Why it's still a 4 Year Adventure to get a Development Approval. What some Cities do wrong, what some smaller centres do right & how Ian's Joy Concept can deliver elder wellness living at 50% off the normal rents Support the show

Send us a textWhat's Wrong With People?Special Guest Samantha Power- Mortgage Agent at Mortgages with Samantha PowerWe talk Price Decline Problems, First Time Home Buyers, Appraisal Fails, What went wrong in 2021 & the complete foolishness of some TikTok & Instagram Mortgage BrokersWhat are they trying to pull? And why its so wrong Support the show

Send us a textSpecial Guest Nick Hill- Mortgage Broker and Podcast HostWhat's going on in the Investment Real Estate World Today? For a decade it was on FIRE. Today the fire is outHow bad is it now? Is there anyone still investing? How did it all go so wrong?And are there regions of Canada where it still works? Nick & Ron get to the bottom of it Support the show

Send us a textFacts About Housing, Mortgages & Future Trends with Special GuestScott PeckfordScott is the Founder of one of the fastest growing Mortgage Brokerages in Canada- BRX Mortgage Inc.We talk about current trends: the profound competitiveness of Mortgage Rates todayThe Big Problem of Homeownership for Young Canadians & much more Support the show

Send us a textWhat's Going OnSpecial Guest: Steve Saretsky- Ace RE Agent, RE Specialist at Saretsky Group and host of The Loonie Hour podcast Vancouver, Calgary let's break down the RE landscapeWhat's next for Canadian Real Estate? More Condo Chaos?  Residential Construction Collapse?  Will the coming Federal Budget make the Money Printer go BRRRR? Where will that lead? More Inflation? Could QE reappear?Lots to cover Support the show

Send us a text We dive into the aftermath of the Bank of Canada Decision: what's the right approach Fixed or Variable, how to evaluate the Risks & Rewards. How to understand which discount from Prime is acceptable & how to compare with Fixed?And how does Variable really work, do different banks do different things?This and a lot more on this pure Mortgage PodSupport the show

Send us a textNOT A Great InvestmentSPECIAL GUEST: Jason Pereira- Senior Partner and Financial Planner at Woodgate Financial Inc.Jason is the perfect person to discuss the absolute disaster many Real Estate Investors face today. Because Jason has spent 10 years doing the math to explain to his Investment Advisory Clients that they were taking senseless risks buying cash flow negative Real EstateWe explore all the things that went wrongSupport the show

Send us a textRon & Sacha run through all the Issues in Mortgages today & there's A LOT Horrible Real Estate Agent Advice Huge Application Processing BacklogsSurge in First Time BuyersWhich Mortgage to take? Fixed or VariableSurge in Foreclosures  /  Power Of Sales YIKESWhat's the future of House Prices In Ontario Support the show

Send us a textGovernment Is NutsMy Special Guest J.P. Boutros- Principal at Citius ConsultantsJP is a Transit Project Insider who saw the abject insanity Transit from a top-down view. Why is virtually every Transit Project undertaken by Ontario & City Governments a spectacular failure? Crosstown LRT that can NEVER be given a completion date. The Hurontario LRT in Peel that is endlessly delayedLet's find out why every Transit Project is a disaster Support the show

Send us a textBad Brokers Out ThereSPECIAL GUEST: Julian Renaud- Lawyer at Renaud LawLet's dig into to the small number of Bad Mortgage Brokers & evil Mortgage Corps The Rip-Off Off Artists, the people who only want to take advantage of Borrowers. The small number of Bad Actors who should be exposedJulian is a hero for going after these guys Support the show

Send us a textLet's End Mortgage Fraud Special Guest Lauren van den BergPresident & CEO at Mortgage Professionals CanadaWhy ending Mortgage Document Fraud is so important to Housing & to Canada. Why did the Government say they would act 14 months ago but we still don't have a solution. MPC had been an eternal advocate for CRA Linkage to end Mortgage Document FraudRon & Lauren break down the issues Support the show

Send us a textCondos & MORESPECIAL RETURN GUEST: Dan FochLove having Dan back on the PodClear, professional & HONEST Analysis on the 416 Condo Crash, how long will it last? How bad will it get? Will it change the way we finance Condos forever?What about the incredible growth in Purpose Built Rentals, sustainable or not? And Foreign Buyers: WTF going on in BC? Letters to the Prime Minister?And so much more Support the show

Send us a textCondos. Unemployment. RatesSpecial Guest: Anthony Scilipoti President and CEO of Veritas Group of Companies and Forensic Accountant Anthony is a friend of the Pod & we wanted him back to explore what a massive loss in liquidity does to a Real Estate MarketHow many $BILLIONS$ to be lost in the Condo Crash: Antony has was there at the very beginning How bad will Unemployment get? What is the future of interest rates?We break it all down ok the Podcast Support the show

Send us a textSpecial Guest Rob Campbell What's happening in the mortgage trenches? Renewal activity but do most people need changes & refinance not just straight renewal? What about Mortgage Rates: Fixed Rates jump, Bank of Canada NO CHANGE. Were there more purchases in the last 2 months.Will that be a trend? What about just getting a mortgage? Is it harderRon & Rob spit Street Level Truths Support the show

Send us a textHow Many Jobs Gone?My Special Guest is Ron O'Neil- Owner and Researcher of AI intelligent SolutionsHe is a leading expert on AI in Canada with a special focus on Real Estate Industry applicationsWe talk about the mind-bending speed that AI is advancing at, just how it has changed in 6 months & how some jobs are already becoming obsoleteHow fast will job elimination happen? Who are the biggest Winners (other than Trillionaires) & who are the Losers (Everyone else?)Great insightful PodSupport the show

Send us a textHere's a Pod to hear all about the state of the Condo Market in the GTA, how about the reasons some Condo Buildings are BAD & some are GOOD. Ever wonder why Condo Monthly Maintenance fees SOAR after completion in year 4 or 5? Get ready for a huge dose of honesty & insight about the biggest RE development story of the last 20 years: GTA Condos: our guest Sam (@saberisixrealestate), has the teaSupport the show

Send us a textFounder & CEO Owl Mortgage We welcome Vince back on the show for a 4th timeVince is involved in Development of 5 Unit projects on existing Single-Family Lots & Wow he has some stories: You need to wait 2 months for a Consent that says a yard with no trees doesn't have trees, it's $1000 to add an "R" to an address & so many other City Approval horror storiesAnd what happens when Co-signers want OFF the mortgage Support the show

Send us a textA Lender's View Of Mortgage FraudAlbert Collu is the President & CEO of Marathon Mortgage & has over 25 years of Executive experience in the Mortgage Business. He explains the sophistication of today's mortgage document fraud activity. Why it's so dangerous, why it effects Canada's Housing Prices & it is so incredibly unfair to all the honest Canadians who yearn for Home Ownership but watch crooks cheat the systemSupport the show

Send us a textEdge Real Estate AnalyticsBen is simply one of the very best Macro Real Estate pros in CanadaHe is ALWAYS the first person to make the right call on key RE Trends, often long before anyone elseWe tackle: White Collar Crime in RE, the truth about population growth. What's going to happen with rents? What's next in a dead Real Estate Market. What the hell's going on with Blanket Mortgages? The Condo CrashIt's a packed episode Support the show

Send us a textJeremiah is an Executive Vice President at Colliers & one of the leading Land & Building Salespeople in CanadaThis episode we are going to look at the current Housing Correction from the point of origin: buying the land to start the Development. He takes is through the Boom Cycle & the Bust CycleHow did we get here?And how long is this current cycle going to last Support the show

Send us a textRealosophy RealtyHaving John on the Pod was breakthrough in thinking about the true reasons behind Batshit Crazy House Prices in Canada. Has the mindset of Homes as an INVESTMENT & all that comes with that thinking created an environment of never ending price spirals. How Canada's last big Housing Crisis in 1946 - 1956 was solved without any home price increasesSupport the show

Send us a text#1 Insolvency Trustees In Ontario Scott is a return guest with extremely timely updates on Insolvency Trends in in the Province. Hoyes Michalos is the top Consumer Insolvency Firm in: they have the best dataTruly awful Trends:Massive Increase In Homeowner Insolvencies CRA goes wild - an extreme increase in Aggressive CollectionsCredit Availability has DRIED UPIndicators of the future right hereSupport the show

Send us a textHere's What's New Ron & Sacha review the Breaking News on Mortgage Rates. Canadian 5 - Yr Bond Yields push 5 - Yr Fixed Rate Mortgage in the low 4% Range, the Sweet, SWEET 3.64% 5 - Yr Fixed Rates are gone, is it time to Switch Back to VariableAlso a flurry of house purchases in a really terrible Resale Market: what going on? It's Interesting: all the purchases were LESS than the list pricesAnd Ron has a message for BC Premier Dave Eby..... not a nice one Support the show

Send us a textWant to Build Your Own House?Derek is the President of Westboro MIC & one of their Specialties is providing Construction Mortgages to Ontarians to build their own homes. It's complicated, the Borrower needs a lot of cash to get started & should be prepared to for a complex process to finish but it's possibleRon & Derek cover the Private Lending landscape in detail Support the show

Send us a textNobody Knows Real Estate Like An Expert LenderNick Is one of the very top Equity Lenders in CanadaHis Company RiverRock Mortgage Investment Corporation is one of the best run operations in OntarioRon & Nick break down Product & Regions in Real Estate & Mortgage all across Ontario Support the show

Send us a textOn The Street Mortgage Broker Feedback Rob is one of our favorite guests & this Pod is so damn funnyWhat's going on in Mortgage World: Purchases way down, Renewals & Refinances way upHow the economy impacts on Mortgage Choices & it is really starting to go in directionWhat should we expect from the economy in the next 2 quartersAnd GOD SAVE KING CHUCK Support the show

Send us a textWhat A Finish!One of the most hard fought & important elections in generations comes to a close & some people are cheering & others in tearsAnd Real Estate in Ontario in particular is entering a new phase of worries & most importantly the need for urgent attention to Low Rise Housing development had never been more compellingRon really loses it on the insanity of the Greenbelt Support the show

Send us a textTrump Moves Mortgage Rates In CanadaSweet Jiminy Crickets who would have thought a US President could swing Mortgage Rates so far, so fast: Ron covers it. What happens April 16th? What will the Bank of Canada do? Cut or hold? Where will Prime go during the yearWhat are the 3 biggest lies in the Mortgage business: we have lots more than 3 and we are going to cover them allAnd Ron's Gross Rant: the craziness of Politicians promising to build 500K Homes a year  Support the show

Send us a textA real pleasure to have Legal Closing Founder & Ace Real Estate lawyer on the ShowThis is the ultimate Deep Dive on the 416 Condo Crash & it's all the gritty details, we will go all the way back to 2010 & track every step on the road to the Disaster Toronto Dog Crate Condos face in the next 24 monthsBig Episode but we'll worth it Support the show

Send us a textCanada's Economy in the Crosshairs, the constant assault of the Trump Tariffs / Trade War looms over every strategic thought in Canada today & the uncertainty of the future of auto parts & car assembly plants can change the Bank of Canada's approach to Rate Cuts in a huge wayWhat happens on April 16thWill Inflation come backWhat Mortgage Rate to takeLet's get into it Support the show

Send us a textReally a privilege to have Julian on the Pod, CAPREIT is the largest Landlord in Canada & the spotlight on affordable Rental Housing is bigger than everWe cover: - Why huge professional Landlords just make more sense - Why Renters may be much better off with REIT managed properties than Mom & Pop Landlords- The coming 416 Condo Crash & the implications for the Rental Market- How Dog Crate Condo reductivism betrayed Renter & Investors Support the show

Send us a textWe break down last week's BoC Rate Cut & the future of Mortgage Rates for the next few monthsHow does it affect the Housing Market moving forward? Because there is a lot going on in Real Estate! Listings are piling up, sales have fallen off a cliff,  Mortgage Underwriting is tightening upWe are entering into a whole new world of Real Estate in CanadaAnd Ron had a HUGE rant to make Support the show

Send us a textAll about Commercial MortgagesFor the first time on the Pod a deep dive on the Commercial Mortgage MarketWhat are the trends, what's the Outlook, what to expect next yearThe effect of the Trump Tariffs are highly impactful on the Commercial Mortgage World. Vanessa discusses how just the FEAR of a Trade War is rippling through Canada: just how hard will it be to get a Commercial Mortgage done? Support the show

Send us a textThe CEO of the largest Residential Real Estate lawyer in Canada Axess Law is our guest & do we have some interesting facts about Fraud attempts at the Lawyer's OfficeElder Abuse is off the charts when it comes to adult children trying to take advantage of elderly parents through Title & Mortgage Fraud & the stories about FAKE Wives are both sad & hilariousWelcome to the world of RE law that you have never known before Support the show