Podcasts about CMHC

Nick Hill and Daniel Foch are joined by Jesse Warwa, Senior Director of Origination at KV Capital, an Edmonton-headquartered, vertically integrated real estate firm. With nearly two decades in commercial real estate finance, Jesse breaks down what's driving Alberta's investment market, and why "Alberta is calling" is more than a slogan. The conversation covers Edmonton's affordability edge , why steady supply has created a stable, cash-flow-oriented market, and the eastern capital now moving into the prairies. Jesse also demystifies CMHC financing, real timelines, the hoops, and why "5% down" headlines mislead, while stressing the fundamentals that separate winners from cautionary tales: nail your investment thesis, build the right power team, and underwrite with discipline using real numbers. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. What if the global geopolitical churn is actually creating opportunities to realign your portfolio? In this episode of the Commercial Real Estate Podcast, powered by First National, hosts Aaron Cameron and Adam Powadiuk are joined by Anthony Passarelli, Lead Economist for Southern Ontario at... The post Rising Vacancies, Softer Rents, and What Comes Next with Anthony Passarelli, Lead Economist at CMHC – Southern Ontario appeared first on Commercial Real Estate Podcast.

This is a research deep dive episode where host Matt Stickland goes into the weeds to explain how low property taxes make housing less affordable. Did Matt get anything wrong? Here are his sources: Oates (1969): the effects of property taxes and local public spending on property values Mieszkowski (1972): The property tax: an excise tax or a profits tax? Oats & Schwab (2009): The case for a land value tax Dye & England (2010) Assessing the theory and practice of land value taxation Bourassa (1990): The land value tax and housing development: A case study of Pittsburgh Tideman (1994): The Economics of Efficient taxes on land Palmon & Smith (1998): New evidence on property tax capitalization Lyu (2024): Revisiting property tax capitalization Hilber (2017): The economic implications of the house price capitalization: a synthesis Hull & Grodecka-Messi (2022): Measuring the impact of taxes and public services on property values: A double machine learning approach Charlot, Paty & Visalli (2013): Assessing the impact of local taxation on property prices: A spactia matching contribution Plassmann & Tideman (2000): A markov chain monte carlo analysis of the effect of two rate property taxes on construction Bruekner (1986): The structure of urban equilibria: A unified treatment of the Muth-Mills Model England & Zhao (2005): Assessing the distributive effects of a revenue-neutral shift from property tax to a land value tax Hartzok (1997): Pennsylvania's Success with local property tax reform: The Split-Rate Tax Banzhaf & Lavery (2010): Can the land value tax be used to rejuvenate our cities? Development charge studies Singell & Lillydahl (1990): An Empirical Examination of the Effect of Impact Fees on the Price of New Real Estate. Ihlanfeldt & Shaughnessy (2004): An Empirical Investigation of the Effects of Impact Fees on Housing and Land Prices. Dachis (2018/2024): Gimme Shelter: How High Municipal Housing Charges and Taxes Decrease Housing Supply. Skidmore & Peddle (1998): Do Development Impact Fees Reduce the Rate of Residential Development? Burge & Ihlanfeldt (2006): Impact Fees and Single-Family Home Construction. CMHC (2025): Development Charges: Who Bears the Cost? Dresch & Sheffrin (1997): Who Pays, and When? An Assessment of Generational Equity in the Case of Development Fees. Evans-Cowley & Lawhon (2003): The Effects of Impact Fees on Land Values and Development. Been (2005): Impact Fees and Housing Affordability And the Not Just Bikes video https://youtu.be/r7-e_yhEzIw?si=QG7OBmInRzzqZFpB

Today I want to talk about something that quietly landed in Canada earlier this year that I think deserves a lot more attention than it's been getting in real estate circles. CMHC — that's Canada Mortgage and Housing Corporation — has released what they're calling the Housing Design Catalogue.And while it might sound like a government bureaucrat's PowerPoint project, I actually think this is more significant than most developers are giving it credit for.Now, here's where I want to zoom out and ask a bigger question. Could this model work beyond Canada?---------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Ontario just hit a two-year high for publicly visible power-of-sale listings, and CMHC's Spring 2026 report confirms what the headlines miss: national mortgage delinquencies are still calm at 0.24%, but Toronto is up 45% year over year, Ontario is up 35%, and mortgage investment entities are running at 1.96%. This isn't a U.S.-style foreclosure crisis, it's stress becoming visible unevenly, by lender type, property type, city, and capital structure.Dan and Nick break down the renewal cliff that turned into a slow grind, why banks quietly hiked loan-loss allowances 25–51%, how policy shifted first-time buyers into insured, longer-amortization debt, and why a distressed seller doesn't always mean a distressed price. If you want to track the data yourself, realist.ca has a Canada-wide power-of-sale tool, and Valery.ca has the deeper GTA view. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.

Vince breaks down the latest CMHC consumer survey and expose the growing disconnect between government messaging and household reality across Canada's housing market. While headlines claim affordability is improving and the real estate market is stabilizing, many Canadians are still struggling with mortgage renewals, rising debt, high interest rates, housing affordability, cost of living pressure, and economic uncertainty. For more information, be sure to visit  https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Nick sits down with Josh Findlay, co-founder of BLD Financial, for a tactical deep-dive on financing Canadian real estate deals in today's market. They break down CMHC MLI Select (how the points work, why 95% isn't always 95%), compare CMHC construction financing vs. private-then-takeout strategies, and explore where bridge debt fits in. Josh explains why Edmonton remains one of the strongest MLI Select markets, the realities of underwriting in an elevated bond environment, and why young investors are racing to acquire assets. Practical advice for anyone scaling from small multifamily into mid-market development. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.

Housing debates today are dominated by one idea: if we just build more homes, prices will fall. But what if that story is incomplete? In this episode, I sit down with Mike Fellman to unpack his report Fixing Housing Means Fixing Finance and explore why housing affordability is as much a finance problem as it is a supply problem. We break down the limits of traditional economic thinking, why upzoning alone doesn't guarantee more housing, and how the cost of capital—and the returns investors expect—ultimately determine what gets built. We also connect these ideas to what's happening here in Canada, where programs like CMHC's MLI Select are quietly reshaping the economics of rental housing by lowering borrowing costs and enabling more development. The result is a more nuanced view of the housing crisis—one that challenges the idea that we can simply deregulate our way to affordability. https://groundworkcollaborative.org/work/fixing-housing-means-fixing-finance-why-we-cant-deregulate-our-way-to-affordability/ Follow John x-twitter: https://x.com/JohnPasalis, Instagram @john.pasalis or email: askjohn@movesmartly.com Follow the show on x-twitter: @MoveSmartly, Instagram @move.smartly  About This Show The Move Smartly show is hosted by John Pasalis, President and Broker of Realosophy Realty. MoveSmartly.com and its media channels on YouTube and various podcast platforms are powered by Realosophy Realty in Toronto, Canada. You can also watch this episode on our MoveSmartly YouTube channel here: https://www.youtube.com/movesmartly If you enjoy our show and find it useful, please like, subscribe, share, review and comment on whatever platform you are watching or listening to us from - we appreciate your support!

In this episode, i sit down with CMHC Economist Francis Cortellino to discuss the Montreal housing market outlook for 2026 and what buyers, developers, and renters should expect in the year ahead.We explore interest rates, housing affordability, rental market trends, real estate development, immigration, housing supply, and the future of condominium and multifamily construction in Montreal.If you want to better understand where the Montreal real estate market is heading in 2026, this episode provides valuable insights for homeowners, first-time buyers, real estate investors, entrepreneurs, and anyone interested in housing and economic trends.Francis Cortellinowww03.cmhc-schl.gc.ca/hmip-pimh/en#Profile/1/1/CanadaFrancis Cortellino - Société Canadienne d'Hypothèques et de Logement | LinkedInMy Men Richard/Richard Lesperance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠richard.lesperance@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linkedin.com/in/richardlesperance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@mymenrichard⁠

CMHC's 2026 Mortgage Consumer Survey is out, and Dan and I dig into what the numbers actually say about Canadian homeownership right now. The headlines: 35% of renewers felt financial pressure with payments up $375/month, but default concern dropped from 53% to 39%. 28% of first-time buyers needed a co-signer (54% leaned on parents). 23% got a down payment gift, median $30K. First-time buyers rented 7.6 years before buying. And 16% of researchers are now using AI in their mortgage journey. The through line: stress isn't collapse, but adaptation isn't health. The Bank of Mom and Dad is now mortgage infrastructure, the path to homeownership is an endurance sport, and the trust layer in mortgage advice is fragmenting fast. Canadian housing is stressed, adapting, and quietly being reshaped by family balance sheets and AI all at once. EDMONTON MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.

TopicsThe Mortgage-Free StrategyJohn is executing a 5-year plan to pay cash for his next primary residence.Funding Sources:Dividends: Drawn from his business over 5 years to minimize the average tax rate.Lifetime Capital Gains Exemption: A tax-free income source from a prior business sale, which expires this year.Rationale: Eliminate the mortgage to reduce personal cash obligations, creating psychological safety for better investment decisions.John's Position (Eliminate Risk):A mortgage creates a fixed monthly obligation, limiting personal and business optionality.Owning a home outright provides superior optionality → the ability to borrow against the equity (e.g., a HELOC) is more powerful than already being leveraged.Analogy: An unlevered company with a 10% return is preferable to a 2:1 levered company with a 20% return because it retains the option to add leverage.Core Principle: Eliminating risk is superior to managing it.Amer's Position (Manage Risk):The strategy's high opportunity cost (~$456M over 60 years) is not worth the benefit of eliminating risk.Liquidation of business assets is a viable "fire alarm" if cash is needed, making the mortgage-free approach unnecessary.Counter-Analogy: A "risk ledger" can be used to analyze and manage threats, making elimination an overreaction.Austin suggested the debate reflects a shared history of financial scarcity, driving a subconscious need to avoid regression.John agreed, noting he now understands how few things are required for happiness and fulfillment.John: Continue the 5-year plan to fund a mortgage-free home purchase.Austin: Analyze the math for a future mortgage strategy: 20% down (to avoid CMHC) on a 30-year amortization (to lower payments), with plans for accelerated lump-sum payments.

Send us Fan MailIn this episode, Jeff Thomas, Group Head of Development at KingSett Capital, explains how the Canadian private equity firm invests in Canadian commercial real estate through development, joint ventures, and lending. He describes transitioning from brokerage (co-founding and selling Ashler Urban to Cushman & Wakefield) to development, emphasizing that long-term relationships, trust, transparency, and early delivery of bad news are critical to managing risk across KingSett's roughly 55 projects with a small internal team. Thomas discusses “premium risk-weighted returns” as achieving strong returns relative to managed, less volatile risk. He details Toronto's 50 Wilson Heights affordable-housing project (about 750 units in phase one, half affordable) on a prepaid ground lease, involving over 50 initial agreements, CMHC financing, and geothermal sustainability, and notes construction is in early structural work. He says Toronto condos are “dead” due to a large gap between resale and new-launch pricing, with development charges and HST seen as key barriers. He advises smaller builders to get close to customers and highlights modular/precast delivery at West Square as a path to speed, standardization, and affordability, while wishing policymakers would truly prioritize housing.00:00 Meet Jeff Thomas00:56 From Brokerage to KingSett03:17 Relationships and Trust06:55 Picking Deals and Pricing Risk10:06 Transparency Builds Trust13:14 Risk-Weighted Returns Explained15:30 Inside 50 Wilson Heights20:52 Construction Progress Update22:17 Lessons From 50 Agreements24:51 Condo Market Reality Check26:22 Costs Fees And Taxes29:36 Midrise Developer Playbook30:57 Know Your Customer First33:27 Modular Project Deep Dive35:04 Standardization Versus Red Tape41:44 Partnering With KingSett44:43 Trends To Be Optimistic48:22 Magic Wand Policy Wish#RealEstateDevelopment #PurposeBuiltRental #DevelopmentRisk #AffordableHousing #TorontoRealEstate For more information, please refer to RealEstateDevelopmentInsights.comTake our Free Assessment at: DevelopmentReadinessAssessment.com

Steven W. Shields, CMHC, CETII, CECII, is passionate about helping others regain their freedom by healing their root trauma. One of his greatest moments with clients is when he fires them. His hope is to help clients access that inner healing as quickly as possible so they can stop spending time and money in therapy, live the adventure, and experience the joys that life has in store for them. Steven loves dirt biking, Christian rap, and playing Pokémon with his kids. Links Is Mental Health Healing Possible? | An Interview with Steven Shields [ACCEPTED] Watch the video and share your thoughts in the Zion Lab community Transcript available with the video in the Zion Lab community Highlights Steve discusses the importance of community and authenticity within Latter-day Saint congregations, and how to foster genuine connections and address the challenges of secrecy and shame in church settings. Key Insights Community vs. Secrecy: Steven emphasizes the distinction between confidentiality and secrecy. While confidentiality involves honoring individuals’ stories, secrecy can hinder authentic connections and healing. Authenticity in Leadership: Leaders are encouraged to model authenticity by sharing their own experiences and struggles, which can create a safe space for others to do the same. The Role of Therapy: Therapy serves as an artificial container for healing, providing tools and support that individuals may not find within their community. However, true healing often occurs through genuine relationships and community support. Cultural Challenges: Many members feel isolated or disconnected in their wards, often due to fear of judgment. Steven argues that this leads to a culture of silence, where individuals keep secrets rather than seeking connection. Building Connections: Leaders should actively work to create environments where members feel safe to share their struggles, thus fostering a sense of belonging and support. Leadership Applications Encourage Vulnerability: Leaders can promote a culture of openness by sharing their own challenges and inviting members to do the same, which can help break down barriers of shame and secrecy. Facilitate Small Groups: Organizing smaller gatherings or discussion groups can help members connect on a deeper level, allowing for more meaningful conversations and support. Model Authenticity: By being transparent about their own journeys, leaders can inspire others to engage authentically, ultimately strengthening the ward community and enhancing overall unity. 00:03:43 – The Importance of Community 00:04:16 – Current Trends in Therapy 00:05:40 – Managing vs. Healing 00:08:10 – The Role of Worthiness 00:09:50 – The Journey of Repentance 00:11:32 – Addressing Pornography in Leadership 00:12:25 – Confidentiality vs. Secrecy 00:14:05 – The Nature of Confidentiality 00:15:10 – The Need for Vulnerability 00:18:25 – Creating Safe Spaces in Church 00:19:28 – The Power of Authenticity 00:21:11 – Building Connections in the Ward 00:23:29 – The Role of Community in Recovery 00:25:17 – The Importance of Sharing Stories 00:27:39 – Overcoming Fear and Shame 00:29:10 – The Cost of Speaking Up 00:30:57 – The Role of Therapy in Healing 00:32:19 – Building Community in the Church 00:34:06 – The Future of Healing and Community 00:35:17 – The Role of Therapy as an Artificial Container 00:37:14 – The Need for Organic Healing 00:40:10 – Therapy and Community The award-winning Leading Saints Podcast is one of the top independent Latter-day Saints podcasts as part of nonprofit Leading Saints’ mission to help Latter-day Saints be better prepared to lead. Find Leadership Tools, Courses, and Community for Latter-day Saint leaders in the Zion Lab community. Learn more and listen to any of the past episodes for free at LeadingSaints.org. Past guests include Emily Belle Freeman, David Butler, Hank Smith, John Bytheway, Reyna and Elena Aburto, Liz Wiseman, Stephen M. R. Covey, Benjamin Hardy, Elder Alvin F. Meredith III, Julie Beck, Brad Wilcox, Jody Moore, Tony Overbay, John H. Groberg, Elaine Dalton, Tad R. Callister, Lynn G. Robbins, J. Devn Cornish, Bonnie Oscarson, Dennis B. Neuenschwander, Kirby Heyborne, Taysom Hill, Coaches Jennifer Rockwood and Brandon Doman, Anthony Sweat, John Hilton III, Barbara Morgan Gardner, Blair Hodges, Whitney Johnson, Ryan Gottfredson, Greg McKeown, Ganel-Lyn Condie, Michael Goodman, Wendy Ulrich, Richard Ostler, and many more in over 800 episodes. Discover podcasts, articles, virtual conferences, and live events related to callings such as the bishopric, Relief Society, elders quorum, Primary, youth leadership, stake leadership, ward mission, ward council, young adults, ministering, and teaching.

As a culture change enthusiast with hundreds of presentations under her belt, Dr. Christy Kane transforms audiences when she speaks. Her message is based on the belief that embracing mental health as a positive is essential to thriving.   All of Dr. Kane’s work has one goal: to help people care for their brains and live better lives. By incorporating brain-based research, storytelling, and a thought-provoking delivery, she makes difficult topics engaging and memorable.​   Dr. Kane has a Doctorate in Psychology and a clinical license (CMHC) in addition to being a successful business owner and leader. Dr. Kane has provided mental health corporate consulting, corporate training, and professional development training for school districts in multiple states.  Links KaneCounselingServices.com Watch the video and share your thoughts in the Zion Lab community Transcript available with the video in the Zion Lab community Highlights Dr. Kane discusses the complexities of mental health within the context of church leadership. The conversation focuses on how leaders can better understand mental health dynamics, set appropriate boundaries, and support members effectively. Key Insights Understanding Mental Health Trends: Dr. Kane highlights the rise of “gray divorce,” where older couples are increasingly seeking divorce after decades of marriage, often due to lack of growth and connection in their relationships. Boundaries in Leadership: Leaders must establish clear boundaries to protect their mental health and avoid overstepping into roles that require professional training, such as therapy. This includes recognizing when to refer members to mental health professionals. Curiosity Over Judgment: Leaders should approach conversations with curiosity rather than jumping to conclusions. Asking open-ended questions can help members feel safe and understood, allowing for more effective support. Recognizing Mental Health Issues: Leaders need to differentiate between spiritual struggles and mental health issues. Persistent feelings of disconnection from the spirit may indicate underlying mental health concerns that require professional intervention. Communication with Professionals: When referring members to therapists, leaders should ensure that proper releases of information are signed, allowing for effective communication between the therapist and the church leader. Leadership Applications Establishing Clear Expectations: Leaders can set the tone for their interactions by clarifying that they are not therapists and that they will refer members to professionals when necessary. This helps manage expectations and reduces the risk of burnout. Promoting Open Dialogue: By fostering an environment of curiosity and openness, leaders can encourage members to share their struggles without fear of judgment, leading to more meaningful support and connection. Utilizing Resources Wisely: Leaders should leverage available resources, such as mental health professionals, to assist members effectively while maintaining their own well-being. This includes participating in training sessions to better understand mental health dynamics and how to address them. 00:02:00 – Mental Health Trends: Gray Divorce 00:04:00 – Dynamics of Empty Nesters and Relationships 00:05:30 – Vision for Mental Health Content Creation 00:06:00 – Importance of Understanding Mental Health for Leaders 00:08:00 – Navigating Shame, Guilt, and Godly Sorrow 00:10:00 – Boundaries in Leadership Roles 00:12:00 – Comparing Bishop and Therapist Roles 00:14:00 – Recognizing Depression vs. Spiritual Issues 00:16:00 – Setting Boundaries in Conversations 00:18:00 – Importance of Curiosity in Leadership 00:20:00 – Referring to Professional Therapists 00:22:00 – Communicating with Therapists: Best Practices 00:24:00 – Managing High-Risk Conversations 00:26:00 – Maintaining Trust in Confidentiality 00:28:00 – Addressing Secrets in Relationships 00:30:00 – Importance of Self-Care for Leaders 00:32:00 – Strengthening Family and Ward Culture 00:34:00 – Addressing Feelings of Loneliness Among Women 00:36:00 – Upcoming Topics for Mental Health Discussions The award-winning Leading Saints Podcast is one of the top independent Latter-day Saints podcasts as part of nonprofit Leading Saints’ mission to help Latter-day Saints be better prepared to lead. Find Leadership Tools, Courses, and Community for Latter-day Saint leaders in the Zion Lab community. Learn more and listen to any of the past episodes for free at LeadingSaints.org. Past guests include Emily Belle Freeman, David Butler, Hank Smith, John Bytheway, Reyna and Elena Aburto, Liz Wiseman, Stephen M. R. Covey, Benjamin Hardy, Elder Alvin F. Meredith III, Julie Beck, Brad Wilcox, Jody Moore, Tony Overbay, John H. Groberg, Elaine Dalton, Tad R. Callister, Lynn G. Robbins, J. Devn Cornish, Bonnie Oscarson, Dennis B. Neuenschwander, Kirby Heyborne, Taysom Hill, Coaches Jennifer Rockwood and Brandon Doman, Anthony Sweat, John Hilton III, Barbara Morgan Gardner, Blair Hodges, Whitney Johnson, Ryan Gottfredson, Greg McKeown, Ganel-Lyn Condie, Michael Goodman, Wendy Ulrich, Richard Ostler, and many more in over 800 episodes. Discover podcasts, articles, virtual conferences, and live events related to callings such as the bishopric, Relief Society, elders quorum, Primary, youth leadership, stake leadership, ward mission, ward council, young adults, ministering, and teaching.

Rents are finally falling across Canada. But will it last? In this episode of Classonomics, Sabrina Maddeaux and Mike Moffatt break down new data from the CMHC showing rising vacancy rates, record rental supply, and the first meaningful relief for tenants in years. They explore why an influx of new housing and slower population growth are pushing rents down, and what that reveals about how housing markets actually work.But the conversation goes deeper: from the real impact of immigration on housing demand, to the heated debate over rent control and new policy changes in Manitoba that could reshape the market. Will government intervention protect renters, or make the housing shortage worse? And what happens next as Canada's population growth slows and hundreds of thousands of new units come online? 00:40–01:38: Introduction: Rent Control in Manitoba and the Risk to New Housing Supply01:38–02:58: CMHC Report Findings and the Impact of Supply on Decreased Rents02:58–03:46: The Link Between Immigration Policy and Housing Scarcity03:46–04:27: Future Rental Market Forecast: Supply-Demand Mismatch04:27–05:38: Developers' Investment Decisions Based on Future Immigration Targets05:38–09:24: The Core Debate: Personal Experience, Stability, and Rent Control's Impact on Supply09:24–10:26: Detailed Breakdown of Manitoba's Bill 13 Rent Control Expansion10:26–12:36: Controversy Over Above Guideline Increases (AGI) and Renters' Need for Stability12:36–15:14: Concerns Over Sustainability, Discouraging Investment, and Who Should Cover Landlord Costs15:14–16:17: Final Thoughts on Bill 13 and Conversation ConclusionResearch/Links:NDP plan to expand Manitoba rent control protectionshttps://www.cbc.ca/news/canada/manitoba/manitoba-residential-tenancies-changes-renters-9.7125916Big rent hikes — a made-in-Manitoba problemhttps://www.policyalternatives.ca/news-research/big-rent-hikes-a-made-in-manitoba-problem/Rent control killing jobs: landlordshttps://www.winnipegfreepress.com/breakingnews/2026/04/07/rent-control-killing-jobs-landlordsBill 13 - THE RESIDENTIAL TENANCIES AMENDMENT ACThttps://web2.gov.mb.ca/bills/43-3/b013e.phpHosted by Mike Moffatt & Cara Stern & Sabrina MaddeauxProduced by Meredith MartinFunded by the Neptis Foundation https://neptis.org/

Welcome back to Homeowner AF: The Canadian First Time Homebuying Podcast, with your host Brianna Goslin! I am excited to be back after a long break, and we are diving straight into what has changed for the first time home buyer in Ontario. I break down who actually qualifies as a first time home buyer in 2026 and how to position yourself properly for homeownership in today's Canadian real estate market.In this episode, I cover:Key market shifts since 2024, including interest rate trends, credit use and housing supplyWho qualifies as a first time home buyer in Canada and OntarioFederal incentives like the Home Buyers' Plan, FHSA and extended amortization optionsOntario land transfer tax rebates and municipal down payment assistance programsHow common law status, co-signing and the four year rule affect eligibilityPlus, what I'll be covering in future episodes!I also share a real client example that shows why working with a mortgage agent early matters. If you are a first time home buyer, planning your next move or the friend of someone you know who is, share this episode and continue to tune into Homeowner AF weekly to get the clarity you need to move forward with confidence!Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast! Resources Mentioned In This Episode:• First Time Buyer Benefits in Canada: https://www.canada.ca/en/revenue-agency/news/newsroom/tax-tips/tax-tips-2023/first-time-home-buyer-tax-incentives.html  • Homebuyer's Plan: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html • First Home Savings Account (FHSA) https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on the podcast, I am clearing up one of the biggest myths in Canadian real estate: that every first time home buyer needs 20% down. I break down what the minimum down payment actually looks like in Ontario, how CMHC insurance works, and how to decide whether buying sooner or waiting aligns better with your homeownership and wealth building goals.In this episode, I cover:Minimum down payment rules in Canada: 5%, 10% and how it's calculatedWhat an insured mortgage is and how CMHC, Sagen and Canada Guaranty protect lendersThe true cost of mortgage insurance and how the premium is added to your loanInterest rate advantages of insured mortgages versus 20% downOntario closing costs, land transfer tax and why your down payment is not your only expenseIf you are a first time home buyer in Ontario trying to figure out how much you really need saved, this episode will help you make a confident, strategic decision. Tune into Homeowner AF and take the next step toward homeownership with clarity.Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast! Resources Mentioned In This Episode:How much you need for a downpayment from the Government of Canada: https://www.canada.ca/en/financial-consumer-agency/services/mortgages/down-payment.html?  Canadian mortgage insurers: • Canada Guaranty: https://www.canadaguaranty.ca• Sagen: https://www.sagen.ca• CMHC: https://www.cmhc-schl.gc.ca Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on the podcast, I am walking you through the true starting point of your homeownership journey as a first time home buyer in Ontario, and why getting a mortgage pre-approval before house hunting is one of the most important steps you can take. I break down exactly what a pre-approval includes, how it impacts your affordability, and how it sets you up to confidently enter the Canadian real estate market.In this episode, I cover:What a mortgage pre-approval is and how it determines your maximum purchase price and monthly paymentThe three key factors lenders assess: income, credit, and down payment for first time home buyersHow a rate hold works and how it protects you from rising interest rates in OntarioThe difference between a pre-approval and a pre-qualification and why that matters for your home buying strategyWhat documents you need, including T4s, NOAs, credit reports, and down payment verificationHow working with a mortgage agent versus a bank can impact your mortgage options and approvalIf you are a first time home buyer in Ontario looking to understand your numbers, strengthen your application, and move toward homeownership with confidence, I hope this episode will give you the clarity and strategy you need. Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast! Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Send us Fan MailIn this episode, Payam interviews building code consultants Conrad and Jack about the push to allow single-stair residential buildings in Canada, especially in Ontario and Toronto. Conrad defines single-stair missing-middle apartments as small 3–6 storey buildings with short corridors and fewer units per floor, contrasting them with typical North American double-stair, long-corridor layouts, and explains how this affects design efficiency and project viability. Jack says Canada's long-standing two-exit requirement (codified in 1941) persists despite major improvements in sprinklers, alarms, materials, and firefighting, and argues that single-stair can be made as safe through compensating measures and risk assessment. They review past attempts (1984 CMHC report, 1990s Ontario recommendations, 2010 sprinkler requirements), BC's 2024 code change, Vancouver guidance, and Toronto's slow alternative-solution approvals, noting a Delaware Avenue project took about a year. They highlight Edmonton's advanced, metrics-based review process and advocate for codifying a clear Part 9 pathway similar to the U.S. model codes.00:00 Welcome and Introductions01:13 What Single Stair Means03:48 Design Benefits and Efficiency05:01 Why Codes Still Block It08:47 How Reform Started Moving11:51 Toronto Approvals and Lessons16:38 Global and US Comparisons19:29 Developer Path and Tradeoffs21:31 Edmonton and Peer Review Model29:02 What Needs to Change Next31:37 Final Thoughts and ResourcesFor more information, please refer to RealEstateDevelopmentInsights.comTake our Free Assessment at: DevelopmentReadinessAssessment.com

Canada's housing crisis isn't over, it just changed shape. Nick and Dan break down two major CMHC reports and find a market that isn't crashing, but isn't moving either. Construction is stalling, developers are pulling back, and the projects that should be getting built in 2026 simply aren't penciling. The result: a supply gap that keeps compounding in the background while everyone debates prices. They cover what the data actually says, why activity collapse is more dangerous than price collapse, and what buyers, sellers, and investors should be doing in a market defined by paralysis, not momentum. Plus, a conversation with CMHC's Mathieu Laberge on what the data really shows and what they're worried about next. Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management VANCOUVER MULTIPLEX EVENT TICKETS LISTEN AD FREE Realist.caSee omnystudio.com/listener for privacy information.

Smart Renewal Playbook: https://drive.google.com/file/d/1cGdU8O_Uzow_mMXDb_w1fhasFBk3hBN2/view?mcp_token=eyJwaWQiOjMxNTgzMDI2ODQ2OTUyNiwic2lkIjoxOTk2NDE3MDQ2LCJheCI6IjdhMmU1NWI2MGVhZmI4NjllY2YxOTJkMGIwYmFjMWYzIiwidHMiOjE3NzU1MzAzMjAsImV4cCI6MTc3Nzk0OTUyMH0.HZIdixBMpdDLuLZgL9jVtP22hAabzd0OtCDqUWke-KUCanadian housing isn't crashing nationally, it's splitting. Toronto and Vancouver are the two markets actually struggling, with Toronto prices down 28% year over year and delinquencies climbing. Meanwhile, Quebec, Halifax, Calgary, and Ottawa are posting record prices and strong sales. National headlines are averaging it all together and creating a completely distorted picture. Where you live determines your reality right now, and making decisions based on national data could cost you. Alex breaks down the actual CMHC, Royal LePage, and TransUnion numbers by city so you know exactly where you stand.

When betrayal hits a relationship, children often feel the ripple effects—sometimes in ways parents don't immediately recognize. This week we welcome Ellia Marcum (CPC, BSP, CYPFC, CMHC) to help us understand the impact betrayal can have on the whole family system.In this episode, we talk about:The hidden impact of betrayal trauma on kidsWarning signs your teen may need extra supportWhy teens often hide their painHow community and mentorship help children healBuilding emotional safety and resilience in teensConnect with Ellia: Mood Well Coaching Turning to Peace magazine - Use the discount code HEALING10 to get 10% offFree resource: How to Talk to Your Children About Family InfidelityChapters03:48 Teens and Mental Health Shift05:16 Hidden Hurt and Stress Signs09:16 Real Family Examples12:47 What to Watch For16:51 Sibling and Peer Support25:25 Mentors and Asking for Help31:06 Safety in the Body35:58 Boundaries and What's MineRegister Now!***Use promo code PODCAST150 to get $150 off when you register for any Choose intensive or retreat in 2026!***NEW Help Her Heal Support Group for Men starting in April! - Register now to experience the deep healing that can come from learning about empathy, communication, and relational repair.

#canadianrealestate #gtarealestate #canadianeconomy sorry for the white head on my lip lol

Nick is joined by Josh & Ehren from BLD to go over the myths and truths of commercial financing. CMHC demystified — the real qualification requirements, net worth, liquidity and experience you actually need to build multifamily in Canada (and why Instagram is lying to you) CMHC on the way in vs. out — the two main construction financing paths explained, when to use each, and what the risks are in today's volatile market How to get your first project done — practical advice on building your power team, finding a developer partner, and understanding tranches, soft costs and the true cost of building missing middle housing extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management VANCOUVER MULTIPLEX EVENT TICKETS LISTEN AD FREE Realist.caSee omnystudio.com/listener for privacy information.

AI tools can be helpful, but when it comes to taxes, they can also be confidently wrong. In this episode of Moolala: Money Made Simple, Bruce Sellery talks with Jennifer Robson, Associate Professor, Carleton University, about the federal government's SimpleFile initiative and how automatic tax filing could help more Canadians file returns and unlock benefits. Then Anita Balakrishnan, Reporter at The Logic, breaks down why accountants are increasingly seeing AI-generated tax mistakes and what to watch for before relying on tools like ChatGPT. For a lighter take on grown-up chores, Chris Colin, Journalist at the Wall Street Journal, explains how hosting an “admin night” can make boring tasks less painful. Finally, Aled ab Iorwerth, Deputy Chief Economist at CMHC, shares key context on mortgage delinquencies and the early warning signs that a household may be heading into financial distress. To find out more about the guests check out: Jennifer Robson – Associate Professor, Carleton University: LinkedIn | Bluesky Anita Balakrishnan – Reporter, The Logic: thelogic.co | LinkedIn Chris Colin – Journalist (Wall Street Journal contributor): chriscolin.com | Bluesky | Instagram Aled ab Iorwerth – Deputy Chief Economist, CMHC: LinkedIn | YouTube | Instagram | X | Facebook Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Mortgage delinquency is often measured by payments that are 90 days overdue, but mortgages are usually the last debt people fall behind on. CMHC's Aled ab Iorwerth explains the broader risks of Canada's high household debt levels and the early indicators that financial stress may be building. Connect on LinkedIn, YouTube, Instagram, X and Facebook.

In this episode, Andy Tran breaks down what's really happening in the Canadian real estate market in 2026 and explains why 4+1 and 6+1 properties have become the new investment sweet spot in Toronto. We discuss housing supply shortages, CMHC financing, missing‑middle housing, garden suites, and why smaller, repeatable projects are outperforming large‑scale developments. A must‑listen for investors looking to adapt and find opportunity in today's market.

The CMHC Policy That Flopped Back in January, CMHC raised its insured mortgage limit to $1.5 million. The idea? To help buyers in high-priced markets like Toronto and Vancouver. But here's the kicker — it's barely made a dent. Uptake is minimal, and only 2% of new insured loans in Q1 were for properties over $1 million. Why? Because most buyers at that price point don't qualify for insured mortgages anyway, and affordability is still a major barrier. So while the policy grabbed headlines, the reality is it's had almost zero impact on demand. Will that change if rates drop further? Maybe — but for now, it's just a headline, not a game changer.

The government of Nova Scotia has announced a pilot program, partnering with local credit unions, to bring 2% down payments to first time home buyers in the province. The Nova Scotia government has also announced that there will be no mortgage insurance from CMHC by the program, and the Nova Scotia government themselves will be the guarantor of the mortgage for the Credit Union. Claiming that this will help making homeownership more accessible to first time home buyers at a time of all time home prices in Halifax and in Nova Scotia. Matt and I will break down the pros and cons of this new pilot program, and some things that may homebuyers may not be aware of until they've already committed to the program. A few things for example. 1.) Through this program, homebuyers will be locked into a 5-year fixed term mortgage at 4.99%. Through a traditional bank with a 5% down payment, homebuyers can get interest rates as low as 4.05%. 2.) At the end of the 5 year fixed term with credit union, will the homeowner have enough equity in their home to go to another lender? If not, they will have to sign another term with the credit union at a higher interest rate than the typical banks are offering. And if they do switch lenders, they will have to pay the CMHC mortgage insurance. 3.) Household incomes up to $200,000 can qualify for this pilot program, but Credit Union will be decreasing the alloted gross debt service (GDS) and total debt service (TDS) available, making it harder for buyers to qualify for this program. And so much more!A separate article about the 2% down payment programhttps://financialpost.com/real-estate/mortgages/nova-scotia-2-temptation-young-mortgage-shoppers#:~:text=Nova%20Scotia%20has%20made%20the,a%20standard%20default%2Dinsured%20loan.2% Down Payment Programhttps://novascotia.ca/first-time-home-buyers-program-pilot/Nova Scotia Down Payment Assistance Programhttps://www.novascotia.ca/apply-loan-help-down-payment-your-first-home-down-payment-assistance-programJason Paul902-220-7357jason@infinityrealestategroup@halifaxrealestatepodcastMatt Legatto902-240-3304matthew.legatto@indimortgages.ca@mattlegatto.mortgages

Nick & Dan are joined by Tania Bourassa-Ochoa, Deputy Chief Economist at CMHC, who authored the recent report on the mortgage renewal wave. Over 1.5 million Canadians have already renewed at higher rates, with another million coming. While Toronto arrears have quadrupled, nationally only 0.25% of mortgages are in arrears. 1.5 million households renewed, 1 million more coming — the largest renewal wave in modern Canadian history⁠⁠​ Toronto and Vancouver are most stressed, particularly pandemic buyers, but most Canadian homeowners are still paying⁠⁠​ Despite rising arrears, only 0.25% of mortgages nationally are in arrears — this isn't a nationwide housing collapse⁠⁠ Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management VANCOUVER MULTIPLEX EVENT TICKETS LISTEN AD FREE Realist.caSee omnystudio.com/listener for privacy information.

Send a text2026-2028 GTA Market Outlook According to CMHC - Jordan Nanowski00:00 Welcome + CMHC Forecast Episode Setup (2026–2028 Focus)01:38 Meet Jordan Nanowski: CMHC's GTA Lead Economist03:46 What CMHC Economists Actually Do (Forecasting vs. Programs)04:44 How the Forecast Is Built: Models, Stakeholders & Scenario Risks07:57 The Big Macro Wildcard: USMCA/Tariffs & Uncertainty Across Canada13:25 Why the GTA Is Different: Pandemic-Era Perfect Storm16:00 Condo Supply Glut, Investor Math & The Future of Small Units20:44 Report Takeaways: Slow Growth, Construction Labor Cycles & ‘Supply Kinks'27:03 Foreign Buyer Ban & Policy Levers: Why Investment Pulled Back27:53 Pandemic Rate Cuts, Inflation Tradeoffs & Immigration Balancing Act30:34 GTA Forecast: 2026 Price Bottom, 2027 Recovery & Condo Domino Effects34:12 Downside Risks: Trade Uncertainty (CUSMA) as the Big Forecast Driver36:05 Developer Playbook: Stress-Testing PBRs & Missing Middle for the Next 3 Years38:05 Rental Market Reality Check: Vacancy, Rent Assumptions & Migration Shifts41:32 Leading Indicators to Watch: Inventory, Starts, Completions & Permits46:12 Wrap-Up: Nation-Building Optimism, Magic Wand Wish & Resilience Ahead#RealEstate #HousingMarket #RealEstateDevelopment #UrbanDevelopment #CityBuilding #MissingMiddle #InfillDevelopment #PurposeBuiltRental #Multifamily For more information, please refer to RealEstateDevelopmentInsights.com Take our Free Assessment at: DevelopmentReadinessAssessment.com

Judi Paré joins Dave to share how she's creating lasting impact through real estate. From her development firm Plentitude Inc., Judi is building hundreds of units across Ontario with a mission: affordable, accessible, purpose-driven housing. She also opens up about investor relations, smart financing with CMHC, and how women are shaping the future of real estate investing. Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/ #propertyprofits #affordablehousing

Can a Mortgage Insurer Come After You if You Default? | CMHC Explained   In this Q&A session, Raman clears up a big misconception about mortgage default insurance in Canada. Many people believe that once CMHC or another insurer pays the lender, the borrower is off the hook — but that's not always true.   Here's what you'll learn in this video: What Happens After Default: If a buyer defaults, CMHC pays the lender the loss. Recovery Rights: The insurer can still come after the borrower to recover that loss. Why Insurance Doesn't Mean "Free Pass": Just like flood or car insurance, coverage may only pay part of the loss, and the remainder can be pursued. Legal Provisions: Insurers are legally allowed to seek repayment from borrowers in certain situations.   Understanding this is crucial for buyers and real estate professionals alike — mortgage insurance protects the lender, not the borrower.    Learn more or enroll at www.albertarealestateschool.com Subscribe for more Alberta real estate Q&As, tutorials, and exam prep content. Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments.    We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! : 587-936-7779     #AlbertaRealEstate #MortgageInsurance #CMHC #MortgageDefault #RealEstateTraining #AlbertaRealtor #RECAReady #RamanAtwal #FutureRealtorsOfAlberta #AlbertaRealEstateSchool #RealEstateQandA #RealEstateCanada #MortgageTips #DefaultInsurance #RealEstateEducation

Getting to the Bottom of Mortgage Insurance in Canada

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. What if solving Canada's housing affordability crisis was actually simpler than politicians make it? In this episode of the Commercial Real Estate Podcast, hosts Aaron Cameron and Adam Powadiuk are joined by Aled ab Iorwerth, Deputy Chief Economist at CMHC, for a data-driven conversation... The post The Housing Affordability Myth Politicians Won't Touch with Aled ab Iorwerth, Deputy Chief Economist at CMHC appeared first on Commercial Real Estate Podcast.

The etymology and historical evolution of mortgages, from ancient collateral practices through to modern Canadian mortgage systems, including key regulatory developments and fundamental mortgage terminology. The word "mortgage" derives from Old French meaning "dead pledge", with collateral-based lending traced back to the fifth century B.C.and formalized through Roman law systems like Hypotheca. Major transformations included CMHC's creation in 1945, the 1954 Bank Act enabling bank mortgages, and the 1970s establishment of the five-year fixed-rate standard, with recent stress tests implemented in 2018. Key terms include mortgage term (contract duration, typically 5 years), amortization (total repayment time, usually 25 years), and the distinction between fixed and variable rates, plus different mortgage types like conventional (20%+ down)and high-ratio (under 20% down). Exchange-Traded Funds (ETFs) | BMO Global Asset Management MULTIPLEX MASTERCLASS LISTEN AD FREE free 1 week trial for Realist Premium Deal AnalyzerSee omnystudio.com/listener for privacy information.

In this episode, host Sherry Bagley sits down with Patrick McMillion, core faculty in Counseling and Counselor Education and co-coordinator of the Adventure Therapy Certificate Program at Westminster University, and Alex White, MS, CMHC, a clinical mental health counselor in private practice in Salt Lake City. Together, they discuss their paths into adventure therapy and experiential education, sharing the pivotal experiences that shaped their work and the ways they each define and practice adventure therapy today. Patrick and Alex also talk about their collaboration on Westminster University's Adventure Therapy Graduate Certificate program, offering insight into its structure, impact, and the growing interest in training the next generation of practitioners. They close the conversation by reflecting on the importance of mentorship, openness, and community connection in fostering meaningful professional collaborations.   It's in the Experience is produced by Association Briefings.

Over the last year, Montreal's industrial market has gone from uncertainty to cautious Former pro hockey player turned top investment broker, Joe Rullier (Executive Vice President, Colliers), shares how he went from the NHL grind to building the #1 investment team in Canada and navigating one of the toughest markets Montreal has seen in years. In this episode, Joe breaks down how New York's high-pressure investment world shaped his work ethic, why land deals have slowed, how he underwrites like a banker to make deals actually financeable, and where he sees real opportunity right now in Montreal's multifamily and land markets. From CMHC delays to older stock repositioning, Joe explains the mindset, structure, and creativity investors need if they want to win in today's environment instead of buying into "dream" pricing that never materializes.   Topics & Timestamps ⏱ 00:01:03 – Welcome back to the Espace Montreal Podcast & intro to Joe Rullier

First Home or First Investment? How to Make The Right Move - Michael Zanzini   Mortgage agent Michael Zanzini from Better Mortgage Select joins me in Part 2 of our convo to talk about what ifs and strategies to survive this current market. Are 1st time buyers getting back in right now; Are investors still on the sidelines, Are more rate cuts coming; What about CMHC; an update on the cottage market; was the stress test useful?; and MORE! If you are looking for answers on the current market and where things *might* go in the near future, TUNE IN!   Contact:  https://bettermortgageselect.ca    This episode proudly sponsored by Better Mortgage Select - https://bmselect.ca    Better Mortgages Select   Are you looking to create generational wealth and get one step closer to financial freedom? If the answer is YES, then Better Mortgage Select is the brokerage for you.  Better Mortgage Select has helped more real estate investors achieve financial freedom than any other mortgage brokerage in Canada.  They are expert financial planning consultants that allow investors to grow their portfolio and have a unique way of helping clients navigate through the different banks and lending options available. Contact them today for a free consultation and get started on what could be a life-changing journey. Don't just get a mortgage, get a BETTER MORTGAGE!"   email: info@bettermortgageselect.ca   Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from!   Other Links: WATCH the podcast! https://www.youtube.com/@gary.hibbert$

In this news episode, BMO warns that Canada's housing market has been falling for three years, similar to the 2007 US crash. Recovery will take a long time. CMHC says today's Toronto condo slowdown is different from the 1990s crash because lending rules are tougher and buyers are more financially tested, meaning things won't get as bad. On the positive side, the federal government plans to cut development charges in half in the November 4 budget. Canada's hottest housing markets have moved to the Prairies and Atlantic Canada, with Newfoundland leading with 12.3% price increases. LIVE PODCAST TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Sign Up For Futures Faster Multiplex Program FREE LISTEN AD FREE free 1 week trial for Realist PremiumReal Estate Investment Specialist Designation Course Buy & sell real estate with Ai at Valery.c See omnystudio.com/listener for privacy information.

Evictions are never easy—but sometimes, they're unavoidable. In this episode of Real Escape Investing, Terrie Schauer dives into the latest CMHC reports on evictions and explains why the government's perspective doesn't always align with the realities landlords face.You'll learn:What the newest eviction research really says—and what it leaves out.Why evictions are more complex than government reports suggest.How to protect your investment and your tenants when facing an eviction.Practical strategies every landlord and investor should know before taking action.Whether you're a real estate investor, property manager, or landlord, this episode will help you understand the eviction landscape and prepare for one of the toughest decisions in rental housing.Keywords: evictions, landlord tips, real estate investing, property management, CMHC eviction report, rental housing Canada, Montreal real estate, housing crisis strategies

Adrian shares how his team scaled to 515+ doors through joint ventures, why Ontario's tenant landscape pushed him to reconsider heavy value-add plays, and how CMHC's up to 95% loan-to-cost and 50-year amortization on new construction changed the math. He walks us through a typical project on a 60' x 200' lot: demolish a bungalow, pour slab-on-grade, wood-frame 3-storey / 10-unit (all 2-bed/2-bath ~900 sq ft), above-ground parking, and no elevators—to keep timelines tight and avoid site plan approval where possible. We dig into timelines (about 4–4.5 months to permits; ~18 months build), MLI energy efficiency + affordability point targets, tranche funding with a quantity surveyor, 5- vs 10-year terms, and why Adrian still prefers 5-year to give JV partners flexibility at refi or disposition.   - Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/

In today's Wholesale Hotline (Astroflipping Edition) Jamil links up with his childhood friend in Calgary to reveal a powerful Canadian financing model that allows developers to build multi-million dollar projects with just 5% down—and even get paid during the build.. Show notes -- in this episode we'll cover: How Calgary's RCG zoning and CMHC programs create eight-unit townhome projects (4 townhomes + 4 legal basement suites) that are tax-efficient, cash flowing, and fully rentable under one title. Why 3-bedroom rentals are the hottest untapped niche in Calgary, making up only 3% of the 69,000 available rentals—perfect for young professionals, families, and co-living tenants. Full breakdown of Canadian no-money-down financing: CHMC backs up to 95% of the completed value, 50-year amortization, sub-4% interest rates, and how U.S. investors can tap in via ULCs to avoid double taxation. How one smart development deal can set up your kids with $6K–$7K/month in cash flow, cover housing, and teach them real-world business responsibility—all while compounding wealth long-term. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Astro Flipping breakout