Mortgage 101 with Clinton Wilkins & Todd Veinotte

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Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, is a monthly radio show where the guys discuss everything there is to know about getting a mortgage, as well as answering listener phone-in questions. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Clinton Wilkins


    • Jun 2, 2025 LATEST EPISODE
    • weekly NEW EPISODES
    • 16m AVG DURATION
    • 172 EPISODES


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    Latest episodes from Mortgage 101 with Clinton Wilkins & Todd Veinotte

    Mortgage 101 - Challenges Faced by First-Time and Foreign Buyers

    Play Episode Listen Later Jun 2, 2025 9:00


    Todd and Clinton discuss the evolving landscape of mortgage lending, highlighting its complexities and the importance of staying informed. They emphasize the necessity of monitoring credit and bank accounts to avoid fraud. They also discuss the challenges faced by first-time homebuyers and the impact of regulatory changes, such as the foreign buyers ban, on the Halifax market. The conversation concludes with a focus on the need for new home construction and the role of densification in urban development.

    Mortgage 101 - How Financial Institutions are Fighting Fraud

    Play Episode Listen Later May 26, 2025 13:43


    Sandi Burns, Chief Credit Officer at Manulife Bank, discusses the increasing prevalence of mortgage fraud, particularly in Atlantic Canada. She highlights "fraud for shelter," where individuals alter documents to qualify for mortgages, and "fraud for profit," involving organized crime. The conversation also touched on the importance of regulatory compliance and the evolving landscape of mortgage fraud.

    Mortgage 101 - Protecting Canadians from Financial Risks

    Play Episode Listen Later May 19, 2025 10:34


    Todd and Clinton are joined by Sandi Burns, Chief Credit Officer at Manulife Bank, to discuss her role in setting mortgage guidelines and managing the lending portfolio. She highlights Manulife's unique mortgage product, the Manulife One, which combines a checking account and mortgage, allowing customers to pay down their mortgage faster. Burns also notes the impact of economic uncertainty on consumer confidence, particularly in the residential market, and the rise in non-mortgage debt. 

    Mortgage 101 - Navigating Mortgage Trends

    Play Episode Listen Later May 12, 2025 10:32


    Todd Veinotte and Clinton Wilkins discuss the impact of the federal election, economic factors, such as interest rates, inflation, and tariffs, and their effects on the housing market and construction materials.

    Mortgage 101 - The Interest Rate Impact

    Play Episode Listen Later May 5, 2025 10:40


    Todd Veinotte and Clinton Wilkins discuss the current state of the mortgage market, highlighting the busy spring real estate season and the impact of interest rates. Clinton notes that interest rates are trending downward but are influenced by various factors, including federal government policies and inflation. He emphasizes the importance of building long-term relationships with clients and providing personalized advice rather than just offering the lowest rates. Clinton also stresses the value of consistent advice and the importance of being proactive in addressing financial issues.

    Mortgage 101 - The Effect of Urban Sprawl

    Play Episode Listen Later Apr 28, 2025 14:13


    Todd Veinotte and Clinton Wilkins discuss the Halifax real estate market with special guest Keith Kenny, a realtor from Century 21 Optimum. They highlight Dartmouth downtown and Fairview as good investment opportunities, noting the city's urban development and infrastructure challenges. They discuss the impact of urban sprawl on municipal services and the importance of transit and road infrastructure. Keith mentions the demand for one-level living among older buyers and the lack of affordable options in HRM. They also touch on the influence of national reports on local markets and the role of military relocations in the real estate sector. 

    Mortgage 101 - Transparency in Transactions

    Play Episode Listen Later Apr 21, 2025 10:38


    Keith Kenny, a realtor from Century 21 Optimum with 13 years of experience, discussed the Halifax real estate market. He noted a slight increase in inventory, cautious optimism among buyers, and the impact of political and economic uncertainties. Buyers are now more cautious, with many offers being rejected. The average home price in HRM is around $633,000, with anything below $600,000 being highly competitive. Kenny emphasized the importance of accurate listing prices to avoid wasting time and setting unrealistic expectations. He also highlighted the need for transparency in transactions to avoid buyer's remorse. 

    Mortgage 101 - The Need for New Homes

    Play Episode Listen Later Apr 14, 2025 10:51


    Todd Veinotte and Clinton Wilkins discuss the mortgage industry and its challenges. Clinton talks about managing his 20,000+ clients, and the impact of external factors like elections and tariffs on client mental health. They explore the potential impact of political promises to reduce GST on new homes under $1.3 million, explaining how it could lower purchase prices. Clinton notes the need for more housing inventory in Halifax to meet demand and discusses the affordability issues.

    Mortgage 101 - Getting a Good Credit Score

    Play Episode Listen Later Mar 31, 2025 10:45


    Todd Veinotte and Clinton Wilkins discuss the role of a mortgage broker, emphasizing their ability to offer tailored mortgage advice and access to multiple lenders. Clinton highlights his extensive experience, having managed $2 billion in mortgages, and notes the shift from branch-based mortgages to broker-assisted ones, especially for first-time homebuyers. The two also talk about the importance of a good credit score, with Clinton reviewing the best advice to achieve one. 

    Mortgage 101 - Home Improvement and HELOCs

    Play Episode Listen Later Mar 24, 2025 14:21


    Todd Veinotte and Clinton Wilkins discuss the benefits of home equity lines of credit (HELOCs) for renovations and investments. Clinton explains the role of CMHC insurance for those with less than 20% down payment, and the associated premiums. Clinton also discusses the advantages of energy-efficient upgrades, such as heat pumps and mini-splits, and the potential to refinance up to 80% of a home's value. 

    Mortgage 101 - Spring into Homeownership!

    Play Episode Listen Later Mar 17, 2025 10:57


    Todd Veinotte and Clinton Wilkins discuss the upcoming spring real estate market, noting it as the busiest time of year due to improved weather and increased buyer activity. They also discuss the impact of lower interest rates on mortgage renewals, with buyers focusing more on monthly payments than rates. The two also talk about the popularity of home equity lines of credit (HELOCs) for home upgrades.

    Mortgage 101 - The Economic Reality of Tariffs

    Play Episode Listen Later Mar 10, 2025 11:14


    Todd Veinotte and Clinton Wilkins discuss the potential economic impact of tariffs on the Canadian housing market, noting the uncertainty caused by political volatility in the U.S. They also discuss the upcoming Canadian federal leadership race, comparing the economic strategies proposed by Liberal frontrunner Mark Carney with those of Conservative Leader Pierre Poilievre. The conversation touches on the shift towards buying local products and the broader implications of political decisions on the economy and culture.

    Mortgage 101 - Implications of the Matrimonial Property Act

    Play Episode Listen Later Mar 3, 2025 10:25


    Clinton and Todd are joined again by special guest Leigh Davis, family lawyer from MDW Law. This time, they're digging into the Matrimonial Property Act, it's provisions, and what kinds of relationship arrangements are covered under this legislation. 

    Mortgage 101 - Financial Literacy in Marriage

    Play Episode Listen Later Feb 24, 2025 13:26


    Clinton and Todd are joined by Leigh Davis, family lawyer with MDW Law. The three talk about what it means to practice financial literacy in a matrimonial setting, emphasizing the importance of having tough conversations before the wedding bells ring, and what services are available should matrimonial breakdown occurs. 

    Mortgage 101 - Impact of Tariffs on Mortgage Rates

    Play Episode Listen Later Feb 17, 2025 9:55


    The news lately has been challenging to a lot of Canadians. With the threat of tariffs looming over the economy, what can borrowers expect as far as mortgage rates go? In this episode, Clinton and Todd cut through the headlines and clickbait to give borrowers the advice they need to keep themselves and their assets safe over the next four years. 

    Mortgage 101 - Love Your Home

    Play Episode Listen Later Feb 10, 2025 10:23


    It's February, which means it's time to talk about loving your home! Clinton and Todd discuss the many aspects that go into loving your home, emphasizing that renovations should be enjoyed by the current owners, discouraging homeowners from renovating right before a sale. 

    Mortgage 101 - Next Steps with Tina Powell (Merry Debtmas 2025)

    Play Episode Listen Later Feb 3, 2025 9:54


    To wrap up their Merry Debtmas conversation, Todd and Clinton invite Tina Powell from MNP Limited to discuss the next steps borrowers need to take after filing for bankruptcy or a consumer proposal.The three explore the challenges and strategies for reestablishing credit and staying clear of additional trouble. They emphasize the importance of paying out discharges on time and the consequences of missing payments, including annulment of proposals. They also discuss the impact of bankruptcy on co-signers and the importance of not co-signing.

    Mortgage 101 - Getting Out of Trouble with Tina Powell (Merry Debtmas 2025)

    Play Episode Listen Later Jan 27, 2025 13:25


    Todd and Clinton continue chatting on the subject of Merry Debtmas, inviting a friend of the show to share some information that may be helpful to borrowers facing challenging financial situations. Tina Powell, a licensed insolvency trustee from MNP Limited, discusses personal insolvency options such as bankruptcy and consumer proposals. She emphasizes the importance of confidentiality and empathy in her role, highlighting that financial stress impacts all areas of life. Tina explains the differences between bankruptcy and consumer proposals, their allowances and demands, and reasons why a borrower may want to chose one over the other. 

    Mortgage 101 - Refinancing, Renewals, and Recent Changes (Merry Debtmas 2025)

    Play Episode Listen Later Jan 20, 2025 10:07


    Todd and Clinton's Merry Debtmas conversation continues, this time discussing the ins and outs of mortgage refinancing and renewals, highlighting recent changes to Canadian mortgage rules. Key points include the introduction of high-ratio insured mortgages with a 30-year amortization and an increased limit to $1.5 million. They also cover the return of high-ratio insured refinances up to 90% of the home's value, specifically for adding secondary units. Clinton emphasizes the importance of timing refinances during renewals and the complexities involved, such as zoning and financial incentives. 

    Mortgage 101 - New Year, Same Expert Advice (Merry Debtmas 2025)

    Play Episode Listen Later Jan 13, 2025 9:18


    It's a new year which can only mean one thing: Merry Debtmas!Todd and Clinton discuss the challenges of home ownership and financial planning in this time of rising costs and inflation. Clinton emphasizes the importance of financial literacy and planning, noting that 60% of Canadians are facing mortgage renewals with potentially strained finances. They highlight the necessity of having a fallback plan, such as savings, and the benefits of tools like the First Home Savings Account and TFSAs. The conversation also touches on the dream of home ownership, the impact of lifestyle choices on financial health, and the role of government policies in supporting home buyers.

    Mortgage 101 - Creditor Insurance and More Listener Q&A

    Play Episode Listen Later Dec 11, 2024 8:45


    Mario Cloutier from Manulife joins Clinton Wilkins and Dan Ahlstrand again to discuss risk coverage for borrowers who are looking to build and the high cost of construction today. The three wrap the show by taking a listener's call, answering the questions he had on the subject of creditor insurance. 

    Mortgage 101 - Insurance Coverage Over the Lifespan and Listener Q&A

    Play Episode Listen Later Dec 9, 2024 12:53


    Clinton Wilkins and Dan Ahlstrand are joined again by Manulife's Mario Cloutier. They discuss the types of insurance coverage borrowers should look into as they move through different phases of life. The three also field a range of call-in questions from Mortgage 101 listeners. 

    Mortgage 101 - Financial Protection and Mortgage Insurance

    Play Episode Listen Later Dec 4, 2024 10:34


    Dan Ahlstrand and Clinton Wilkins are joined by Mario Cloutier, from Manulife, to discuss how to keep your finances protected. Cloutier advises that insurance premiums are often affordable and can be maintained at a fixed rate throughout the mortgage term, recommending both creditor and life insurance for comprehensive protection.

    Mortgage 101 - Indebtedness and Looking Beyond the Bank Balance

    Play Episode Listen Later Dec 2, 2024 12:19


    Clinton Wilkins and Dan Ahlstrand talk about financial literacy, highlighting the importance of understanding finances beyond just bank balances, noting that Canadians are at an all-time high of 180% debt-to-income ratio.

    Mortgage 101 - All About The Income

    Play Episode Listen Later Nov 25, 2024 9:38


    Dan Ahlstrand and Clinton Wilkins discuss the changing landscape of income and housing in Nova Scotia. They focus on the recent federal government announcements allowing up to 90% home equity borrowing for secondary suites.

    Mortgage 101 - High Mortgage Ratio Insurance with Chris Johnson

    Play Episode Listen Later Nov 18, 2024 13:19


    Chris Johnson from Sagen joins us on Mortgage 101 to discuss the importance of high-ratio mortgage insurance, which allows buyers to access homeownership with as little as 5% down, making it more affordable for Canadians. 

    Mortgage 101 - Real Estate Appraisals with Derek Bellefontaine

    Play Episode Listen Later Nov 11, 2024 10:45


    Derek Bellefontaine, Real Estate Appraiser, with Mari Tech joins us as our guest to discuss the role of appraisers in valuing homes, which is crucial for purchasing, refinancing, and separations.

    Mortgage 101 - It's Financial Literacy Month!

    Play Episode Listen Later Nov 4, 2024 10:41


    Special host Dan Ahlstrand joins Clinton Wilkins to kick off Financial Literacy Month, emphasizing education on income, assets, and credit. 

    Mortgage 101 - Interest Rate Cuts in 2024

    Play Episode Listen Later Oct 30, 2024 13:21


    Clinton Wilkins reflects on this year's discussions of the impact of interest rate cuts on consumers, noting that rates have declined by 0.25% and are predicted to reduce further by 125 to 175 basis points by the end of next year. This could potentially bring prime rates to around 4%. Clinton also highlights the importance of being organized and prepared for real estate transactions, emphasizing the need for flexibility and the right professionals. 

    Mortgage 101 - Urban Sprawl and Prefab Homes in 2024's Housing Market Dynamics

    Play Episode Listen Later Oct 28, 2024 10:21


    Your host, Clinton Wilkins recaps this year's conversations with Todd Veinotte on the housing market in Halifax. Clinton reminds us of the need for densification due to urban sprawl and limited land availability. In 2024 we have multiple offers, but less frequently as in 2021-2022. Prefabricated homes are considered a potential solution to reduce housing costs, with economies of scale and controlled environments being key.  Clinton recaps his conversation earlier this year with local realtor James Dwyer who notes a 20% increase in listings and sales, with entry-level properties remaining competitive. 

    Mortgage 101 - The Difference Between Qualification and Affordability

    Play Episode Listen Later Oct 23, 2024 11:01


    This recap episode of Mortgage 101 highlights concerns about increasing debt levels in Canada, with Equifax reporting that mortgage holders are missing payments. We look back at one of the show's guests, Sandi Burns, from Manulife Bank, who noted that BMO exited the auto loan industry due to high arrears, predicting a peak in 2025-2026. Many Canadians are refinancing at higher rates due to pandemic-era lows, and retirees on fixed incomes are struggling. Clinton highlights what affordability means in the 2024 housing climate and advises on avoiding unnecessary debt to qualify for a mortgage.

    Mortgage 101 - Recap of 2024 Real Estate Market Challenges

    Play Episode Listen Later Oct 21, 2024 10:01


    In early 2024, the Ontario real estate market slowed significantly, while Nova Scotia's affordability stood out with an average home price of $500,000 in Halifax. Building costs and labour have surged due to inflation, affecting both new construction and renovations. First-time homebuyers are increasingly opting for starter homes, often in need of repairs. Atlantic Canadians are particularly burdened by debt, with 70% expressing concern about repayment. Despite high interest rates, there's cautious optimism about potential rate reductions, with predictions of a 200 basis point reduction by 2025. The housing market remains a seller's market, with a need for a more diverse inventory.

    Mortgage 101 - Entering The Market

    Play Episode Listen Later Oct 7, 2024 10:10


    How affordable is the Nova Scotian market? Real estate is more affordable in Nova Scotia compared to other markets. Clinton and Todd reflect on the challenges of buying starter homes, citing increased property values and stagnant income growth. 

    Mortgage 101 - Location, Location, Location

    Play Episode Listen Later Sep 30, 2024 13:20


    So the interest rates are down, and I can finally buy a home - now where do I buy? Clinton and Todd discuss the Halifax housing market and deciding on a location in terms of housing types,  commuting and fuel costs, natural disasters, insurance, and the potential for lenders to refuse mortgages in high-risk areas. 

    Mortgage 101 - Bank of Canada Interest Rate Cut

    Play Episode Listen Later Sep 23, 2024 9:47


    Clinton and Todd discuss the Bank of Canada's recent rate cut of 25 basis points, with predictions of further cuts in October and December, opening up the market for some buyers.

    Mortgage 101 - Making Lending Easy for You

    Play Episode Listen Later Sep 16, 2024 10:20


    With 20 years in the mortgage industry, Clinton Wilkins and his team are undeniable experts, with quality relationships with lenders. Clinton, alongside his co-host Todd Veinotte, chats through why going through a mortgage broker versus a bank may be beneficial for you!

    Mortgage 101 - Housing Starts in Nova Scotia

    Play Episode Listen Later Sep 3, 2024 9:41


    Are we building enough new homes in Nova Scotia? Clinton and Todd discuss housing starts, and the Halifax market, focusing on trends in new builds, affordability concerns, and demographic shifts. The two touch on a lack of inventory causing demand crunches and advocate for the need for more housing supply to meet growing demand.

    Mortgage 101 - What You Should Know About Your Mortgage Purchase

    Play Episode Listen Later Aug 26, 2024 13:28


    Danielle MacLean, Clinton Wilkins, and Todd Veinotte are back to chat more on the financial aspects of real estate transactions, emphasizing the importance of proper disclosures, documentation, and transparency to ensure smooth transactions and avoid potential risks. They cover private sales, transfer taxes, joint ownership, and mortgage transfers, highlighting the need for due diligence and expert advice in navigating complex real estate deals.

    Mortgage 101 - Real Estate Law 101 with Danielle MacLean

    Play Episode Listen Later Aug 19, 2024 9:47


    Expert and Real Estate Lawyer, Danielle MacLean, from DCL Law joins Todd Veinotte, and Clinton Wilkins to share insights on navigating real estate transactions. They emphasized the importance of education, organization, and flexibility in preventing unexpected problems. They discuss the significance of having the right professionals on your team and being aware of the legal aspects involved in real estate transactions. By prioritizing these factors, individuals can successfully navigate the transaction process and avoid potential pitfalls.

    Mortgage 101 - Interest Rates Updates

    Play Episode Listen Later Aug 12, 2024 10:23


    Yet another Bank of Canada interest rate update means that Clinton Wilkins and Todd Veinotte are at the Mortgage 101 table to discuss what this means for Nova Scotians. They also get into the challenges of managing mortgage debt in a rising interest rate environment, and highlight the risks of negative amortization and the importance of proactively refinancing mortgages to avoid significant payment increases.

    Mortgage 101 - Know Your Credit

    Play Episode Listen Later Jul 29, 2024 9:50


    Would you bet your house you know exactly what's happening with your credit? In this episode, Clinton and Todd emphasized the importance of monitoring credit reports, correcting errors, and being cautious when sharing credit card information online. 

    Mortgage 101 - Anyone Can Own A Home

    Play Episode Listen Later Jul 24, 2024 13:14


    Blair Patterson joins your Mortgage 101 hosts once again to continue the conversation of pride in homeownership for Pride Month in Halifax! The three of them emphasize the need for support and resources to help members of the queer community fulfill their dream of homeownership.

    Mortgage 101 - Pride in Homeownership

    Play Episode Listen Later Jul 22, 2024 9:44


    Clinton Wilkins, and Todd Veinotte invite Blair Patterson of Clinton Wilkins Mortgage Team to discuss some important things to note for the queer community when achieving homeownership, including affordability and safety.

    Mortgage 101 - Look Out For Interest Rates

    Play Episode Listen Later Jul 15, 2024 10:18


    July is hot and so is the housing market! With a Bank of Canada interest rate announcement on the horizon, your hosts Clinton and Todd sit down to discuss the current state of the Halifax real estate market, including the impact of interest rate changes and challenges faced by first-time homebuyers. 

    Mortgage 101 - Ready for Refinance

    Play Episode Listen Later Jul 8, 2024 9:52


    Do you know of all the different reasons why you should refinance your home? Clinton and Todd explore the reasons why more Canadians have decided to refinance their home. Todd shares his personal experience with refinancing, and Clinton gives some major advice.

    Mortgage 101 - Military Homebuyers

    Play Episode Listen Later Jul 1, 2024 12:50


    Are you relocating this posting season? Clinton Wilkins sits down with Todd Veinotte to chat about working with lenders who have Military Programs, and some of the credit requirements involved in the process of a pre-approval.

    Mortgage 101 - Bank of Canada's Interest Rate Cuts

    Play Episode Listen Later Jun 24, 2024 9:55


    Clinton and Todd dive deeper into the Bank of Canada's decision to reduce the key overnight rate by 25 basis points. The two discuss how this affects mortgage rates and how it inspires confidence in the real estate market.

    Mortgage 101 - Award-Winning Mortgage Advice!

    Play Episode Listen Later Jun 17, 2024 10:09


    Newly awarded by the Canadian Mortgage industry for Best Media/Marketing Campaign across Canada, Clinton Wilkins, and Todd Veinotte chat about industry misconceptions, the importance of seeking advice from an unbiased mortgage professional, and the benefits of going to a full-service brokerage.

    Mortgage 101 - Pay your Taxes, Monitor your Credit Score

    Play Episode Listen Later Jun 3, 2024 10:06


    How important is your credit score? Clinton and Todd sit down at the Mortgage 101 table to discuss the significance of credit scores and financial health when buying a home. The two chat about the importance of understanding credit scores and repayment history, and the ongoing need for us to pay our taxes, monitor finances, particularly for self-employed individuals. 

    Mortgage 101 - An Uptick in Halifax Real Estate, with James Dwyer

    Play Episode Listen Later May 27, 2024 12:56


    James Dwyer, of Engel & Volkers, joins Clinton Wilkins and Todd Veinotte to discuss the Halifax real estate market and why there may be a notable increase in listings and sale prices compared to last year. James gives an in-depth insight into recent Halifax real estate purchasing habits and suggests that the eventual decrease in interest rates could further strengthen consumer confidence.

    Mortgage 101 - Hope in Homeownership

    Play Episode Listen Later May 20, 2024 10:01


    What gives Clinton hope for increasing homeownership in Halifax? Todd Veinotte and Clinton Wilkins are back with innovative solutions for overcoming the affordability crisis in the housing market, advocating for creative approaches, and discussing the potential of prefab homes and densification in shaping Halifax's housing landscape.

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