Podcasts about CMHC

Affordability At Risk: Is Canada Facing A True Housing Crisis - Hart Togman   Hart Togman from Rent Panda joins me today to chat about all things housing! As a landlord, finding tenants can be a time consuming and stressful process.  I did it for many years, but the experts at Rent Panda take it to the next level. Everything from listing the property, to screening tenants, to fully managing properties in the future. With their White Glove service, Rent Panda landlords are completely hands-off, perfect for less experienced or new investors. If you want to be more involved they can handle that too! Hart and I chat about: Is this a housing crisis or is it an affordability crisis; the CMHC rental housing report; what the rental market looks like right now; the number of condos hitting the market and more coming soon; the price drop reports he's seeing; what is the biggest challenge facing landlords today; and MUCH more! Have a listen and find out how Rent Panda can help you navigate to be a successful landlord!   Contact:  http://RentPanda.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   Other Links: WATCH the podcast! https://www.youtube.com/@gary.hibbert

On today's episode of The Candice Malcolm Show, guest host Kris Sims takes a hard look at Ottawa's waste and overspending — and what Canadians can expect when Parliament returns. Since 2016, the federal government has added 99,000 bureaucrats, driving costs up by 77%. Yet half of Canadians say federal services have gotten worse. At the same time, nearly 40% of federal bureaucrats now collect six-figure salaries. The examples of waste are endless, from bizarre arts grants and DEI projects to billions shipped overseas, all while working families struggle to afford basics. Kris is joined by Canadian Taxpayers Federation federal director Franco Terrazzano to dig into the numbers. Together, they highlight how ordinary Canadians are paying more while getting less in return. Franco predicts that the fall session will bring major fights over Carney's hidden industrial carbon tax, the costly electric vehicle mandate that kicks in next year, and a federal debt that has already soared past $1 trillion. And despite these failures, Ottawa still finds room for bonuses. From ArriveCan to CMHC, government executives continue to reward themselves with millions — even when Canadians are falling behind and services are breaking down. Learn more about your ad choices. Visit megaphone.fm/adchoices

We explore whether Canada is moving toward a "renters economy" where more people rent homes rather than own them. It examines historical housing trends, current market conditions, and international comparisons to assess if Canada is following countries like Germany where renting is normalized. "You'll own nothing and be happy" represents a subscription-based future economy Canadian homeownership rose from 40% (1940) to 60% (1970s) due to post-WWII government policies Millennials face the highest barriers to homeownership Current construction favors rental units (108,000) over condos, boosted by CMHC incentives Germany normalizes renting with strong tenant protections, 11-year average tenancies Real estate makes up 28% of Canada's GDP, possibly diverting investment from more productive sectors A rental economy shift could improve tenant protections and amenities while increasing property values Canada appears to be gradually shifting toward a rental-focused housing landscape Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage Go AD FREE free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

Conservative MP Michelle Rempel Garner is introducing a bill to end lighter sentences for non-citizens, calling the current system a “two-tiered” form of justice. A new CMHC report warns housing starts are set to fall below pandemic levels, undermining the Carney government's pledge to build 500,000 homes annually. And Liberal Energy Minister TimHodgson admits he holds dual U.S. citizenship and won't renounce it, despite past scrutiny of Conservatives for the same. Tune into the Daily Brief with Isaac Lamoureux and Geoff Knight! Learn more about your ad choices. Visit megaphone.fm/adchoices

Canada's “housing boom” is a scam. We're not building homes for families — we're building rentals for corporations. In Toronto, over 80% of new builds are purpose-built rentals. CMHC is backing billions for landlords, while first-time buyers are locked out and priced out. This isn't just bad policy… it's generational theft. If we keep replacing homeownership with rentals, we're locking in a future where equity, stability, and the middle class disappear. Here's why the system is rigged, how it happened, and what's coming next...For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

We are joined by Brian Dorr, President & CEO of DORR Capital, who have funded over 3 billion. Insights on how the public vs. private sectors have influenced Brians Capital's 13-year journey in real estate. The 4+1 new build initiative and its impact on housing. How standard lot sizes, capital stacks, development charges, and garden suite variances affect project timelines and feasibility. An update on the new sixplex zoning and its broader effects on housing development. A comparison of private financing vs. institutional capital and the importance of speed in project decisions. The Impact of MLI Select and whether CMHC changing role had an impact on the industry. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage Unpacking Multiplexes Tickets USE CODE 'PODCAST' free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

In this episode, we break down how Canada's housing crisis has become a self-inflicted disaster. From the foreign buyer ban and CMHC's tighter financing rules to the mortgage stress test, we reveal how contradictory policies are stalling construction, cancelling projects, and driving prices higher... and what buyers and investors can do to navigate it.

CMHC just revealed the exact timeline for mortgage rate bottoms that 90% of brokers missed. Rates hit bottom Q2 2025, full recovery by Q3 2026 - buried on page 12 of their summer report.I break down their 4-region analysis, the 2% national price decline prediction, and why developer distress is creating massive opportunities for positioned investors.

What if rent growth wasn't guaranteed—and your assumptions were the real risk?   In this episode, I sit down once again with urbanist and investor Jeffrey Kirton to unpack the latest national rental data and what it means for developers and investors. We dive into CMHC and StatsCan's updated rent reports, exposing the gap between advertised and actual rents, and the danger of relying on outdated metrics when planning a project.   We explore trends across cities like Montreal, Toronto, and Vancouver, compare market shifts in smaller towns like Sherbrooke and Drummondville, and discuss how public investment, remote work, and changing lifestyles are reshaping demand. Jeffrey also breaks down key investor metrics like yield on cost and why rent growth assumptions in your pro forma could make or break your next deal.   Tune in to learn why staying informed, questioning your assumptions, and thinking a few steps ahead is more important than ever in today's rental landscape.   —   Tired of spreadsheets and admin headaches in your rental business?   If you're a real estate investor looking to simplify operations and grow your portfolio, Kompas is your new best friend. This all-in-one property management and accounting software helps you automate the tedious stuff—like receivables, renewals, and leasing—so you can focus on creating value.   Boost your cash flow, improve your NOI, cut down back-office work, and scale with confidence.  

Let Us Know What You Thought Of The Episode Ever driven past a run-down lot or a half-collapsed house and thought…“What a waste of space”?Well, what if that “mess” is actually a goldmine?In this episode of the Savvy Investor Podcast, host Michael Ponte sits down with Paul Szkuc, founder of Proximity Properties, to unpack one of the most underrated strategies in real estate right now: Missing Middle Development.We're talking about purpose-built rentals — duplexes, triplexes, fourplexes, even 6 or 8-plexes — that are perfectly sized for existing neighborhoods. They're not massive towers, and they're not single-family flips. These projects fill the gap that most investors ignore... and they're gaining serious traction in today's tight housing market.Inside the episode:What exactly the “Missing Middle” is — and why it's making a comebackHow Paul finds and transforms overlooked lots into profitable, modern rentalsThe full development process from teardown to turnkeySmart ways to structure CMHC financing to reduce risk and boost ROIReal-world advice on suite mix, tenant retention, and long-term cash flowWhat to actually expect when refinancing — and how to time it rightMistakes to avoid when building smaller multi-family projectsPaul shares the real, unfiltered truth about what it takes to succeed in this space. No fluff, no hype — just experience-backed strategies that work in today's market.If you're tired of chasing cash flow in overcrowded markets or you're ready to scale without taking on massive builds, this episode is a must-listen.Follow Paul on Instagram: https://www.instagram.com/proximityproperties/Learn more about our Trusted Partner - SingleKeyUsed by more than 150,000 homeowners across the U.S. and Canada, SingleKey is a digital platform that helps property owners make more informed decisions when selecting tenants and managing their risk. Their tenant screening service, automated rent collection tool, and Rent Guarantee Program bring trust, transparency, and accountability into the rental process, allowing homeowners, renters, property managers, and realtors to rent risk free.Stop guessing with tenants. SingleKey's got the tools: Screening, automated rent, and a Rent Guarantee. Used by 150,000+ landlords. Don't risk it. Get SingleKey.Use promo code SAVVY10OFF or use the link below to login into your SingleKey account or create a new account. Savvy members are entitled to an exclusive recurring 10% discount on all single credit bureau reports regularly priced at $29.99.Would you like to learn more? Visit:https://thesavvyinvestor.ca/singlekey  Savvy Investor Links:Website: https://thesavvyinvestor.caInstagram: https://www.instagram.com/savvy_investorsYouTube: https://www.youtube.com/@thesavvyinvestorJoin our Savvy Squad Community for 14 Days Absolutely FREE! https://thesavvyinvestor.ca/joinDisclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

We are joined by CMHC's Chief Economist, Aled ab Iorwerth, to discuss the findings of his new report. The report highlights the need to nearly double housing starts (from 250,000 to 480,000 annually) to restore pre-pandemic affordability by 2035. Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage Unpacking Multiplexes Tickets free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

Tonight on The Brian Crombie Hour, Brian interviews Aled ab Iorwerth the Deputy Chief Economist of CMHC about our housing crisis. Aled joined CMHC in 2016, previously had a 15-year career at Finance Canada, in various research and analysis roles that included secondments to Environment Canada and the Council of Canadian Academies. He holds a PhD in Economics from Western University and master's degrees in European and International Relations and Economics. Aled discusses the CMHC's new modeling approach, which still supports the need for increased housing supply to improve affordability. He says there are structural long-term challenges in the GTA and Vancouver with high housing costs deterring talent and causing a shift to other cities like Calgary and Halifax. Aled emphasizes that increasing housing supply could slow the growth of house prices, aiming for a flatline rather than a significant decrease. Additionally, Aled attributes the recent decline in housing prices to macroeconomic uncertainty and a short-term glut of condos, rather than an increase in supply. He notes that the disconnect in affordability metrics began around 2006, and current per capita housing construction rates are about half of what they were in the 1970s. Development fees and GST have significantly increased over the past decade, accounting for about 31% of the cost of housing. Aled also discussed the lengthy regulatory process for rezoning land, which can take 3-5 years in Toronto.Together Aled and Brian explore the potential for a boom and bust cycle due to low housing starts in the current year. Aled says simplifying zoning regulations and moving away from municipal control towards provincial or national oversight could help increase housing supply, highlighting the need for more harmonized regulations to allow for industry consolidation and greater productivity. Aled expressed skepticism about inclusionary zoning, preferring to address affordability through the tax system.

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this episode of the Commercial Real Estate Podcast, recorded live on the sidelines of the Land and Development Conference in Toronto, hosts  Aaron Cameron and Adam Powadiuk sit down with Nadine Leblanc, SVP Housing Policy and Programs at CMHC. Nadine shares how CMHC... The post Innovating Housing Finance: What's Next for CMHC with Nadine Leblanc, SVP Housing Policy and Programs at CMHC appeared first on Commercial Real Estate Podcast.

The Canada Mortgage and Housing Corporation has said it is no longer possible to return Canada to 2004 levels of housing affordability. We cannot build enough new housing supply to hit that target. So it's changing its benchmark.Rachelle Younglai covers housing and real estate for The Globe. She explains the CMHC's new approach to affordability, what they say needs to happen to improve the cost of housing and what it means for home prices and rents.Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com

In this episode, Alex McFadyen of Flow Mortgage Co. addresses whether Canada is heading for a real estate and recessionary crisis, acknowledging that many Canadians are struggling with rising rents and mortgage costs. He breaks down the CMHC Home Affordability Report, which confirms severe housing supply issues, noting an annual shortfall of 200,000 new homes and that a 2030 timeline for resolution is no longer realistic. McFadyen also clarifies misconceptions about interest rates, explaining that fixed rates are trending upwards due to sticky inflation and surging oil prices, indicating rate cuts are not imminent. Despite headlines suggesting a crisis, he points out that over the past five years, real estate values are up across the country, and he emphasizes that affordability cannot be fixed without addressing the supply issue. Ultimately, Alex advises listeners to prepare for the market rather than trying to time it, as waiting could prove more costly, and he highlights that smart investors are actively seeking opportunities in the current climate.

From 5 to 450 Doors: The Real Estate Play That Could Fund Your Future w. Mark Silenzi & Nicholas Pasquale What if you could turn a $165K investment into over $900K—and never have to manage a single tenant? Imagine earning six figures of passive income from real estate—without being a landlord, without swinging a hammer, renovating anything, or chasing deal after deal.

Falling condo prices and declining rents might seem like good news forbuyers and renters today, but CMHC's Deputy Chief Economist warns this temporary relief issetting up an even worse housing crisis in the years to come. Aled ab Iorwerth sits down withAdam & Matt to reveal the alarming dynamics behind today's condo market in both Vancouverand Toronto, with project cancellations surging and the presale financing model under severestrain in both cities. As oversupply floods the market and individual investors flee, Canada'slargest metros face a critical question about their housing future. Will today's market stagnationdoom tomorrow's supply? Are we sacrificing long-term affordability for short-term relief? Andwith CMHC projecting Vancouver needs 7,200 additional homes annually over and abovecurrent construction levels, can the city actually ramp up production when developers areretreating? Don't miss this essential wake-up call about where Vancouver's housing market istruly headed.

What if your biggest rental risk wasn't vacancy—but poor planning?   In this episode, I break down what's really going on in today's rental market and why absorption has become one of the most misunderstood challenges in real estate. I share lessons from the field, explain why there's no housing crisis—but an affordability crisis—and what that means for your next project. From luxury vacancies to tenant incentives, the game has changed, and you need to be ready.   We dive into how to run a strategic location analysis, why rental demand has to be ultra-specific, and how your unit mix and amenities impact lease-up speed. I also unpack common mistakes in pro forma planning, how CMHC can hold back your loan, and why getting real data—not just listings—makes all the difference.   Tune in to learn how developers and investors can stay ahead by understanding absorption, adjusting to real demand, and using flexibility as an edge in today's shifting market.   —   Tired of spreadsheets and admin headaches in your rental business?   If you're a real estate investor looking to simplify operations and grow your portfolio, Kompas is your new best friend. This all-in-one property management and accounting software helps you automate the tedious stuff—like receivables, renewals, and leasing—so you can focus on creating value.   Boost your cash flow, improve your NOI, cut down back-office work, and scale with confidence.  

In this episode of Make Money Count, we reveal 2 powerful real estate strategies that are helping investors thrive in today's uncertain market.

In this fun and insightful episode, Neal and Ryan welcome the newest member of the Keystone team, Sam Horstman, as he joins the show for a special quiz format. Using the recently released 2025 CMHC Mortgage Consumer Survey, Sam tests Neal and Ryan's knowledge and assumptions on key trends in the Canadian mortgage market. They cover consumer behavior, social media influence, refinancing, home buying motivations, surprising stats around HELOCs, green renovations, and more. This episode offers a deeper understanding of current market sentiment and what it means for lenders, brokers, and real estate professionals. Don't miss it!Show Notes: 01:08 – Neal and Ryan catch up and talk about pollen, ticks, and kittens03:13 – Introducing Sam Horstman, new mortgage analyst at Keystone03:57 – Sam explains the CMHC Consumer Survey and sets up the quiz format06:13 – Which province saw the biggest jump in mortgage activity?07:23 – Average renting period before buying a home08:12 - Uptick in rental property transactions09:39 – How confident are consumers in their mortgage deals?10:35 – Are Canadians comfortable with their mortgage debt?12:16 – The top reasons people decided to buy a home16:04 – YouTube vs. Instagram vs. Facebook: which platform do consumers trust most?16:50 – Top online research sources for mortgage decisions17:43 – Do more consumers go to brokers or lenders for information?20:12 – How long does it save for a down payment now?20:56 – Most valuable professional during the home buying process: the unexpected answer22:42 – How many consumers have HELOCs?23:36 – Why do people add secondary suites?24:20 – Top consumer concerns about missing mortgage payments25:22 – Most and least popular green renovations27:28 – Fixed vs. variable rates: Which do consumers prefer now?29:57 – Neal and Ryan reflect on what the data says about consumer sentimentResources:CMHC Mortgage Consumer Survey 2025Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedInFind Ryan on:LinkedInE-mail: ryan@keycap.ca

CMHC has released the details of their 2025 Mortgage Consumer Survey, and they are fascinating!Engaging with roughly 4000 homeowners across Canada, CMHC was able to gain some insight into homebuyers and their experiences purchasing a home and owning a home within the last 18 months. A few things to note that come out of the survey. 1.) 65% of first time home buyers paid the maximum they could afford for their home. 2.) 54% of the first time home buyers shared their home purchase with someone other than their partner or spouse. (Think co-signer on the mortgage.)3.) 35% of firs time home buyers cited lawyer fees as an unexpected cost of buying their home. 4.) 41% of first time home buyers received a gifted or inherited downpayment for their home purchase. And so much more!If you wish to follow along with the CMHC 2025 mortgage consumer survey as we break it down, you can click on the links below. https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/surveys/mortgage-consumer-surveys/2025-mortgage-consumer-surveyhttps://assets.cmhc-schl.gc.ca/sites/cmhc/professional/housing-markets-data-and-research/housing-research/surveys/mortgage-consumer-surveys/survey-results-2025/mcs-ebook-2025.pdf?_gl=1Jason Paul902-220-7357jason@infinityrealestategroup.ca@jasonpaulhalifaxrealtorwww.infinityrealestategroup.caMatt Legatto902-240-3304matthew.legatto@indimortgages.ca

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

Send us a textIn this episode, we sit down with David Roff, Vice President of Business Development at Cranson Capital, to discuss all things related to raising equity for residential real estate development. David explains the intricate differences between equity and debt in the context of real estate projects, covering various forms of financing such as construction loans, bridge loans, and mezzanine loans. He emphasizes the importance of working with experienced developers due to the complex nature of high-stakes projects. David walks us through the detailed multi-step process that Cranson Capital follows for evaluating projects, the legal structuring involved, and the crucial factors investors consider when raising capital. He also delves into common mistakes developers make and highlights key considerations for successful project financing. With insight into current real estate trends and the impact of government policies on development feasibility, this episode offers invaluable knowledge for both new and seasoned developers.  How To Raise Capital For Real Estate Development?What do investors look for in real estate deals?What is a good IRR for real estate investors?How much equity does a developer need to raiseUnderstanding Equity in Real Estate DevelopmentDeveloper's Experience and Project FeasibilityLegal and Financial StructuringUnderstanding Profit Splits in Real Estate Development. What is a Waterfall?How does CMHC financing work? Common Mistakes in Development ProjectsIndustry Challenges and TrendsTimelines and Processes for Raising CapitalCranson Capital is a boutique investment banking firm based in Toronto, specializing in private real estate investments and private capital markets. The firm provides accredited investors with exclusive access to development opportunities across the Greater Toronto Area and Southern Ontario.For more information, please refer to RealEstateDevelopmentInsights.Com.

What if the best opportunity in today's mortgage market isn't residential... but building rentals? In this episode, I sit down with David Mayrand, a broker who specializes in multifamily construction and CMHC's MLI Select program. We unpack how this powerful financing tool lets developers build purpose-built rentals with as little as 5% down—and how you, as a broker, can plug into it. Whether you want to refer these deals, run your own, or just understand how to serve investor clients better, this conversation breaks down what's working, what's changing, and where the opportunity is. If you've been looking for a way to stand out and diversify, this is a massive opportunity. We'll cover: Understanding MLI Select - How CMHC's incentive program allows builders to finance up to 95% of new rental construction—and what “affordable” really means in their model. Refinancing with 95% LTV - Why builders who use their own capital are using this program to pull equity out and build again. Construction vs. Condo Market - Why purpose-built rentals are on the rise and how they compare to the struggling condo market in major cities. Tools for Brokers - David shares a new tech portal brokers can use to run pro forma financing scenarios—even if they're brand new to multifamily. How to Work with David's Team - Whether you want to refer and earn or learn and grow, David's team has options that let you plug into their systems, stay in the loop, and get paid.   To connect with David, you can check out the links below Facebook LinkedIn https://maoki.ca/ https://portal.maoki.ca/#/login   Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my 3-2-1 Thursday Email I Love Mortgage Brokering is in partnership with Ownwell.  To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca.

When is the right time to buy a home? For many, it's when they feel ready—personally and financially. But even then, timing the market, understanding future price direction, and interpreting shifting economic signals can complicate the decision. In this episode, we break down everything you need to know to make a confident, informed choice about buying a home in 2025.First, we examine the all-powerful & predominant force of interest rates. The Bank of Canada held steady in April, but with two more rate cuts expected in June and September, we could see the overnight rate drop to 2.25% by year-end. Variable-rate holders may feel relief by the fall, while fixed rates have remained mostly unchanged—making the 3.99% offers available now historically attractive, even if there's potential for further dips.But rates don't act alone. Sentiment plays a massive role. Despite consumer confidence hitting all-time lows, April brought a slight rebound—too soon to call it a trend. However, business sentiment continues to deteriorate, dragging down the Real Estate Outlook Index at its fastest pace since the 2022 rate shock. Sales volumes remain sluggish, and we don't expect a sharp bounce anytime soon.Real estate moves in cycles, and Vancouver's decades-long climb may be entering a slower phase. We revisit Toronto's 1989 peak, when prices fell 27% over seven years and took 22 years to recover in inflation-adjusted dollars. Could Vancouver follow a similar path after peaking in 2022? If so, prices may not reach those highs again until 2028 or later. Buying today means thinking long-term—and accepting that appreciation might not arrive on your timeline.Meanwhile, first-time buyers are getting older. In Canada, the average is now 33—up from 32 in the early '80s—while in Ontario it's hit 40. Surprisingly, Americans, with cheaper homes but more student debt, wait even longer (age 38 on average). What's driving Canadians to buy sooner? But supply is failing to keep up. March housing starts missed expectations by 14%, and condo construction is in freefall—down 45% from last year. Remove purpose-built rentals, and we're at 15-year lows. Ontario and BC, the provinces with the greatest need, are down 38% and 30% year-over-year. CMHC says we need 3.1 million more homes by 2030. At this rate, that's a pipe dream.On top of that, inventory levels are rising, especially in the pre-sale market. Vancouver could hit 3,500 unsold new condos by year-end—a 60% surge. With investor demand almost vanished (down from 50%, then 25% and now 7%!), developers are cancelling projects, and hundreds of homes won't break ground. Even with record immigration—Toronto just became North America's fastest-growing city—new supply is evaporating.We close with a mini-market update: May sales in Vancouver are trending at a six-year low (outside of COVID lockdowns), while inventory is at an 11-year high. Median prices are up slightly, but average prices are slipping. Could this be the inflection point?So… is now the right time to buy? That depends on your goals, your timeline, and your outlook. This episode delivers the data, trends, and insights to help you decide—with eyes wide open.Are you prepared to buy with the long-term in mind, even if prices don't rise during your ownership? Let's chat about it. _________________________________ Contact Us To Book Your Private Consultation:

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this special episode of the Commercial Real Estate Podcast, hosts Aaron Cameron and Adam Powadiuk explore the evolving landscape of commercial real estate lending in Q1 2025. From CMHC's shifting rental achievement requirements to construction financing strategies and Canada Mortgage Bond program changes.... The post State of Lending: Cracking CMHC and Navigating New CRE Lending Rules in 2025 with Aaron Cameron and Adam Powadiuk appeared first on Commercial Real Estate Podcast.

ome sales in Vancouver just hit their lowest point in six years, marking yet another painful milestone in what's quickly becoming one of the most uncertain and volatile real estate markets in decades. And if you're wondering why this is happening, just look at the bigger picture—consumer confidence in Canada just hit an all-time low. That's right—lower than the depths of the Great Financial Crisis, and worse than the early pandemic panic. Business confidence is in the same horrific state, and these weren't even recorded after Trump's tariffs took effect. With those now in place, pressure is mounting on the Bank of Canada as it faces a nightmarish economic puzzle: GDP is rising, inflation is expected to heat back up, the housing market is crumbling, and record levels of debt are coming due for renewal. Meanwhile, the March real estate data for Vancouver has just dropped, and we're breaking down all the key metrics—from collapsing sales volumes to rising inventory to surprisingly resilient home prices—and analyzing what all this means for home values for the spring 2025 market.Let's talk inflation. March came in hot at 2.6%, a big jump from the previous month's 1.9%, and far above expectations. Mortgage interest costs have fallen again for the 18th straight month, but inflation is now at a seven-month high, forcing the Bank of Canada into a tightening corner. And behind the scenes, 45% of businesses expect to raise prices more than 5% this year—double what it was just six months ago. While tariffs may warrant easing, inflation is pushing back hard, and markets no longer expect a rate cut in April. Meanwhile, GDP rose again—up 0.4% in January after a 0.3% climb in December—led by energy and mining. While the headline looks positive, remember: per capita GDP has been in decline for over two years. The BOC may take these numbers at face value, but it's a fragile recovery at best.South of the border, the U.S. Fed held its rate at 4.5% last month, with possible cuts later this year. But Powell made it clear: if inflation stays sticky, high rates could persist. Their GDP forecast was revised down and inflation up. The takeaway? If the Fed cuts, Canada could follow—especially as our economic risks grow and global trade uncertainty lingers. In the mortgage world, renewals are surging—up 110% year-over-year—and projections vary widely. BMO sees rates at 2% by end of 2026, while Scotia sees no cuts until 2027. The big banks don't agree, but they're all aligned on one thing: no hikes are coming. That's welcome news for those riding variable rates or planning their next move.New housing supply is in freefall. National housing starts dropped 4% month-over-month and 12% year-over-year, but BC is the epicenter of the downturn: starts plunged 22% just last month and are down 32% from last year. In Vancouver alone, they're off by 18%. This comes at a time when building permits are at rock bottom—meaning even fewer homes will be built in the years to come. While inventory is high now, the longer-term risk is a devastating shortage. Just look at the national data going back to 1972: while population growth has doubled, housing completions have actually declined. CMHC now estimates we'll be short 3.5 million homes by 2030. Add affordability and suitability issues, and we're heading toward a full-blown housing crisis. _________________________________ Contact Us To Book Your Private Consultation:

In this episode, I welcome back my dear friend and colleague, Dr. Jennifer Londgren. Season 2 continues as Jenna shares about the experiences that drew her to the field and how her journey to professional counseling was shaped by her love for people and understanding behavior. We discuss the significance of scaling impact through writing and public speaking, as well as the integration of faith and mental health in counseling practices. The episode concludes with reflections on the importance of community support and the ongoing journey of personal and professional growth. Jenna has been a supporter and contributor to Bethany's clinical mental health program from its very inception. I am truly grateful for our friendship and collaboration. Stick around for an extended outro where I share a bit more about our recent collaboration and the CMHC program's involvement at the Christian Association for Psychological Studies International Conference that took place in Denver, CO.

A deep dive into Rocket Mortgage's exit from Canada, highlighting how the Canadian banking system favours the Big Six banks. The episode also covers Hudson's Bay's creditor protection filing and CMHC's new MLI Select program restrictions, concluding with insights into Canada's most affordable cities. Key Points: Rocket Mortgage's exit demonstrates how Canada's unique mortgage system and Big Six banks' dominance creates barriers for international competitors. Hudson's Bay, North America's oldest company, files for creditor protection amid retail sector challenges. CMHC implements sudden changes to MLI Select program, affecting investors' ability to bundle single-family home purchases. 8 of the 10 most affordable markets are in the same province Watch On YouTube Get Your Navigating Capital Event Tickets Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage See omnystudio.com/listener for privacy information.

Reporter Sam Cooper chimes in on CMHC mentioning how they are open to giving preferred rates to foreign investors to buy real estate in order to rent to Canadians. This could have a dark result if allowed.Send a one-time contribution to the show - https://www.paypal.com/donate/?hosted_button_id=XARF5X38AMZULListen to our Podcast on the go: https://podcasters.spotify.com/pod/show/elev8podcastTikTok: https://www.tiktok.com/@elev8podcast X: https://twitter.com/TheElev8Podcast0:00 - Intro1:20 - China Hits Canada with Tariffs5:45 - Warning Given to Canadians about Carney and China12:45 - Breaking Story

Edmonton Real Estate Investing Course Hosted by Wayne and Gabby Hillier 8 Week Program starting on March 24th Register at www.reimasters.ca/edmonton   What You'll Learn: Why Edmonton? – Understand the economic factors that make it a top market for investors. The Edmonton Advantage – Learn why investors are choosing this city over others. The 5 Asset Types in Edmonton – Discover which property types perform best and why. Analyzing Edmonton's Neighborhoods – Learn how to evaluate different areas for cash flow and growth potential. How to Choose a Tenant – Avoid costly mistakes and attract high-quality renters. How to Choose a Rental Property – Find properties that generate strong returns. ​ What To Expect: 8 Week Program  Weekly Training Videos released every Monday with Homework. Special Guest Experts (to be announced)   Register at www.reimasters.ca/edmonton     Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

Edmonton Real Estate Investing Course Hosted by Wayne and Gabby Hillier 8 Week Program starting on March 24th Register at www.reimasters.ca/edmonton   What You'll Learn: Why Edmonton? – Understand the economic factors that make it a top market for investors. The Edmonton Advantage – Learn why investors are choosing this city over others. The 5 Asset Types in Edmonton – Discover which property types perform best and why. Analyzing Edmonton's Neighborhoods – Learn how to evaluate different areas for cash flow and growth potential. How to Choose a Tenant – Avoid costly mistakes and attract high-quality renters. How to Choose a Rental Property – Find properties that generate strong returns. ​ What To Expect: 8 Week Program  Weekly Training Videos released every Monday with Homework. Special Guest Experts (to be announced)   Register at www.reimasters.ca/edmonton     Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

Edmonton Real Estate Investing Course Hosted by Wayne and Gabby Hillier 8 Week Program starting on March 24th Register at www.reimasters.ca/edmonton   What You'll Learn: Why Edmonton? – Understand the economic factors that make it a top market for investors. The Edmonton Advantage – Learn why investors are choosing this city over others. The 5 Asset Types in Edmonton – Discover which property types perform best and why. Analyzing Edmonton's Neighborhoods – Learn how to evaluate different areas for cash flow and growth potential. How to Choose a Tenant – Avoid costly mistakes and attract high-quality renters. How to Choose a Rental Property – Find properties that generate strong returns. ​ What To Expect: 8 Week Program  Weekly Training Videos released every Monday with Homework. Special Guest Experts (to be announced)   Register at www.reimasters.ca/edmonton     Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

Send us a textIn this episode, we learn about the inner workings of two critical elements of the community-based ecosystem in Trieste:  the community mental health center (CMHC) and the psychiatric unit in the city's general hospital (known as the Psychiatric Diagnostic and Treatment Services or SPDC).  Tommaso Bonavigo, is a psychiatrist at the CMHC Maddalena.  He received his education at the Università degli studi di Trieste, graduating first as a doctor (2010) and then as a psychiatrist (2016).Alessandra Oretti is the interim director of the mental health department for the city of Trieste and also serves as the head of the central hospital's psychiatric unit.  She has worked in the Trieste mental health system dating back to 1994 and received her degree from the Università degli studi di Trieste in 1998. The Azienda Sanitaria Universitaria Giuliano Isontina (ASUGI) is the Health Authority which services the Friuli Venezia Giulia region.  Oretti and Bonavigo  are part of the team of ASUGI experts in the following cooperation projects:RING project (INTEGRATED STRENGTHENING OF THE PALESTINIAN HEALTH SYSTEM) led by the Italian Agency for Development Cooperation (AICS) in the West Bank area (mainly in the psychiatric hospital of Bethlehem)DUSM project (Diritti umani e salute mentale dei detenuti ) in Albania, which means Human rights and mental health of the prisoners in Albania,  led by a consortium of Italian and Albanian NGOsCollaboration with East London Foundation Trust for developing a pilot CMHC which will remain open 24 hours In this interview, you will pick up on these themes:The importance of the therapeutic relationship which is based upon trust built up over time. How services are integrated in Trieste and the ways in which all the various people impacting a service user – the social worker, nurse, psychiatrist, police (if warranted) and others – create a team around a person.How accountability is assured through the designation of catchment areas – which denotes a territory for which the staff in a CMHC feel responsible for the people they serve. Resources: How a small Italian city became a model for mental health care. Financial Times, Sarah Neville, December 2024. Guidance from World Health Organization:  "Comprehensive mental health service networks. Promoting person-centered and rights-based approaches.”   See chapter at page 18.  

Edmonton Real Estate Investing Course Hosted by Wayne and Gabby Hillier 8 Week Program starting on March 24th Register at www.reimasters.ca/edmonton   What You'll Learn: Why Edmonton? – Understand the economic factors that make it a top market for investors. The Edmonton Advantage – Learn why investors are choosing this city over others. The 5 Asset Types in Edmonton – Discover which property types perform best and why. Analyzing Edmonton's Neighborhoods – Learn how to evaluate different areas for cash flow and growth potential. How to Choose a Tenant – Avoid costly mistakes and attract high-quality renters. How to Choose a Rental Property – Find properties that generate strong returns. ​ What To Expect: 8 Week Program  Weekly Training Videos released every Monday with Homework. Special Guest Experts (to be announced)   Register at www.reimasters.ca/edmonton     Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program

So, wouldn't you believe that a day after we recorded the first part of this episode in October 2024, the very next day the Federal Government announced more changes to mortgages! So obviously I had to have Matt Shallo & Matt Legatto back on the podcast to break down the second round of changes from the Federal Government. The second round of changes focuses far more on homeowers being able to access capital (debt), to be able to renovarte their homes for additional units via backyard apartments, basement apartments, secondary suites, and laneway houses. How? CMHC is allowing changes to the after renovation value, and the loan ratio to that value, once the home renovation has been finished. Basically, you're allowed an ARV (after renovation value) of $2M, and you can access up to 90% of that new value in a loan against your property. A 10% increase from the original 80% loan to value CMHC would provide. As well as a few other minor changes. Enjoy!Jason Paul902-220-7357jason@infinityrealestategroup.ca@jasonpaulhalifaxrealtor Matt Shallo782-640-8533matthew.shallo@indimortgages.caMatt Legatto902-240-3304matthew.legatto@indimortgages.ca.

Whether you realize it or not, in life, the numbers matter.  In business, the numbers really matter.  In real estate, you live and die by the numbers.  As we start a new calendar year, the end of last year studies start to emerge.  The fall 2024 Canadian Rental Market Report for “Canada and Selected Markets” is out and I am diving head first into it in this episode.  Join me in today's episode as I nerd out on the Canadian rental summary for 2024 as well as 19 Census Metropolitan Areas across Canada. This episode includes the CMHC 2024 Rental Housing Report in PDF, which is attached.

Are we truly healing, or are we just managing symptoms? In this insightful episode of the Waismann Method Podcast, hosts Clare Waismann, M-RAS/SUDCC II, Dwight Hurst, CMHC, and David Livingston, LMFT, explore the difference between coping with mental health challenges and achieving deeper emotional healing. Why do some people feel like they're making progress, while others feel stuck in ongoing treatment? How can identifying and addressing repressed emotions like anger and frustration lead to relief and healing? When are coping skills necessary, and when is it time to focus on resolving deeper emotional pain? How does the way we process emotions impact mental health, addiction recovery, and overall well-being? What can individuals do to move beyond survival mode and experience true emotional progress? This episode unpacks how emotions influence mental health and recovery and explores the ways we can move past symptom management toward meaningful healing. If you've ever wondered why certain struggles persist despite therapy or coping strategies, this discussion will offer valuable insights. Episode Summary Coping vs. Healing: While coping strategies help manage immediate distress, deeper healing happens when underlying emotional patterns are recognized and addressed. The Role of Repressed Emotions: Suppressed anger, frustration, and sadness can resurface as anxiety, panic, or unhealthy coping mechanisms. Learning to process these emotions directly can create lasting relief. Balancing Coping and Resolution: Coping skills are useful, but true healing requires understanding and working through past experiences rather than just managing symptoms. Therapy as an Active Process: Effective therapy goes beyond symptom relief—it encourages emotional exploration and helps people break free from patterns that keep them stuck. A Path to Lasting Well-Being: Mental health and addiction recovery are not just about endless symptom management—they involve finding the right tools to navigate emotions, process experiences, and move forward with clarity and strength. This episode offers an eye-opening look at what it takes to move beyond coping and experience real emotional progress. Don't miss it!

Join associate audio editor Hannah as she unpacks the mental health services on campus and what they can provide for you. The CMHC provides students with many services that can fit their psychiatric needs and makes it easy to access care for your mental health. Art By Madison Tran Music: Longhorn Essentials Theme by Audrey Piczak Lakal by Blue Dot Sessions Our Lament by Blue Dot Sessions Lost Stage by Blue Dot Sessions

In this exciting episode, we take you behind the scenes of our visit to the CMHC headquarters in Ottawa, where we sit down with Chief Economist Mathieu Laberge for an in-depth conversation about Canada's housing market. From analyzing nationwide rent trends to discussing housing starts and the complex dynamics of supply and demand, this interview offers invaluable insights into the current state of Canadian housing. Join us as we explore the latest data, reports, and expert analysis from one of Canada's most important housing institutions. Whether you're a real estate professional, investor, or simply interested in understanding the housing market better, this episode provides essential context and expert perspectives on the challenges and opportunities in Canadian real estate. Featured Guest: Mathieu Laberge - Chief Economist and Senior Vice-President, Housing Insights at CMHC Key Topics: National rent trends Housing starts and supply metrics Affordability challenges Supply and demand dynamics Latest CMHC research and findings Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl MortgageSee omnystudio.com/listener for privacy information.

Natasha is joined by Erika Nordfelt, LCPC, CMHC, on this episode of the Natasha Helfer Podcast. They discuss her book, "Don't Walk Alone: Understanding the Dive Gift of Connection While Navigating Shame". Erika practices in Rexburg and Picatello. For more about her and her practice, go here:  https://www.greenstonecounseling.com/   To help keep this podcast going, please consider donating at natashahelfer.com and share this episode. To watch the video of this podcast, you can subscribe to Natasha's channel on Youtube and follow her professional Facebook page at natashahelfer LCMFT, CST-S. You can find all her cool resources at natashahelfer.com.  The information shared on this program is informational and should not be considered therapy. This podcast addresses many topics around mental health and sexuality and may not be suitable for minors. Some topics may elicit a trigger or emotional response so please care for yourself accordingly. The views, thoughts and opinions expressed by our guests are their own and do not necessarily reflect the views or feelings of Natasha Helfer or the Natasha Helfer Podcast. We provide a platform for open and diverse discussions, and it is important to recognize that different perspectives may be shared. We encourage our listeners to engage in critical thinking and form their own opinions. The intro and outro music for these episodes is by Otter Creek. Thank you for listening. And remember: Symmetry is now offering Ketamine services. To find out more, go to symcounseling.com/ketamine-services.

Send us a textCody Cox, CMHC, NTP, is a licensed psychotherapist and clinical holistic nutritionist and has several years of experience assisting individuals in overcoming various mental health challenges, including depression, anxiety, chronic stress, ADHD, bipolar disorder, and PTSD.Recently, he has expanded his services to include helping people with physical ailments through holistic and functional nutrition. Cody is passionate about harnessing the body's innate healing abilities, recognizing the time- honored principle that food is medicine.He has recently developed a keen interest in metabolic health and ketogenic therapies, drawing inspiration from thought leaders across the country who champion this groundbreaking research.Currently, Cody operates a private practice in Logan, Utah, with a mission to empower individuals to take control of their own health through the self-reliant, sustainable, and affordable approach that nutrition offers.His practice at Beaver Creek Wellness helps his clients find relief from general physical ailments, fertility concerns, stress, anxiety, or depression, and shows a way to get back on track, and to feel more energized again with a sustainable solution.Find Cody at-https://beavercreekwellness.com/IG- @beavercreekwellnessPodcast- Real Food Mental HealthDISCOUNT CODE- Use PODCAST24 to save 20% for any program until the the of 2024!!Special Love to-https://www.smilingmind.com.au/https://insighttimer.com/Find Boundless Body at- myboundlessbody.com Book a session with us here!

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. In this episode of the Commercial Real Estate Podcast, Adam and Aaron sit down with Francis Cortellino, Chief Analyst at CMHC, to discuss Canada's housing market challenges. They explore how immigration is driving rental demand, the impact of limited supply on affordability, and the... The post Housing Crunch: Immigration, Rent, and the Future of Canadian Real Estate with Francis Cortellino, Chief Analyst at CMHC appeared first on Commercial Real Estate Podcast.

Principle Season 5 Ep 3DaLynn Moore, Licensed Clinical Mental Health Counselor, CMHC, gives key strategies to stay out of fight or flight in relationships. Find more at https://www.moore-balance.com/Dadfluence - Become the dad who can influence your child for good: https://eks.teachable.com/p/dad