Podcasts about CMHC

Josh Findlay of BLD Financial joins us again to share all things commercial mortgages. How he started, the journey, and the main differences between small investments and big ones; plus some CMHC updates. 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.

A conversation on complex trauma, ADHD, autism, masking, therapist curiosity, and providing therapy that supports authenticity instead of conformity. Comparison is often cited as the thief of joy. For neurodivergent people, comparison is also a source of shame. Imagine receiving constant reminders that your brain doesn't respond well to, or "fit" with, the dominant societal structure. The messaging can impact self-worth and inform masking behaviors that neurotypical family members, friends, and co-workers fail to understand.  One clinician invites care providers to move away from asking "what's wrong with this client?" in favor of a more holistic line of questioning: "how does their client feel, what adaptations have they made to weather neurotypical norms, and what kind of support do they need now?"   On this episode of Transforming Trauma, host Emily Ruth is pleased to welcome Sabrena Ness, CMHC, LPC, clinical director at LifeStance Health and NARM® practitioner. Drawing on her personal and professional experiences, Sabrena shares insights from a neurodivergent perspective, namely, how the NeuroAffective Relational Model® cultivates a tempo ideal for exploring shame and other relational experiences that many neurodivergent people navigate alone.  Transforming Trauma appreciates Sabrena's continued support of neurodivergent clients and the communities that they belong to. To read the full show notes and discover more resources, visit https://complextraumatrainingcenter.com/transformingtrauma SPACE: SPACE is an Inner Development Program of Support and Self-Discovery for Therapists on the Personal, Interpersonal, and Transpersonal Levels offered by the Complex Trauma Training Center. This experiential learning program offers an immersive group experience designed to cultivate space for self-care, community support, and deepening vitality in our professional role as therapists. Learn more about how to join. *** The Complex Trauma Training Center: https://complextraumatrainingcenter.com View upcoming trainings: https://complextraumatrainingcenter.com/schedule/ Join us for this a transformative 2-day Intro to NARM® online workshop: https://bit.ly/narmintro *** The Complex Trauma Training Center (CTTC) is a professional organization providing clinical training, education, consultation, and mentorship for psychotherapists and mental health professionals working with individuals and communities impacted by Adverse Childhood Experiences (ACEs) and Complex Trauma (C-PTSD). CTTC provides NARM® Therapist and NARM® Master Therapist Training programs, as well as ongoing monthly groups in support of those learning NARM. CTTC offers a depth-oriented professional community for those seeking a supportive network of therapists focused on three levels of shared human experience: personal, interpersonal & transpersonal. The Transforming Trauma podcast embodies the spirit of CTTC – best described by its three keywords: depth, connection, and heart - and offers guidance to those interested in effective, transformational trauma-informed care. We want to connect with you! Facebook @complextraumatrainingcenter Instagram @cttc_training LinkedIn YouTube

Today on Notable Leaders Radio, I sit down with Dr. Cristine Hull—Integrative Mental Health Expert and founder of Health, Healing & Wholeness, LLC. Cristine's journey into understanding the brain wasn't simply a career choice; it was a deeply personal search to better understand herself. Inspired at just nine years old by her uncle's pioneering work in biochemical research, she developed an early fascination with the connection between brain chemistry, emotions, and behavior. As someone who quietly lived with persistent low moods, she began journaling her thoughts and emotions long before she had the language to describe what she was experiencing. That curiosity became the foundation for a lifelong pursuit of understanding the relationship between our physical, emotional, mental, and spiritual well-being. In this conversation, Cristine shares how her personal journey shaped her work as a school psychologist, substance abuse counselor, and integrative mental health practitioner. Together, we explore why understanding ourselves more deeply is often the first step toward lasting healing. In This Episode, We Explore Curiosity Can Be the Beginning of Healing Cristine shares how her own search for answers transformed into a lifelong mission to help others better understand themselves. Rather than simply managing symptoms, she encourages us to become curious about what our minds and bodies may be trying to communicate. Understanding That Depression Isn't One-Size-Fits-All Many people think of depression as a single condition with a single solution. Cristine explains that there are different forms of depression, including Persistent Depressive Disorder (Dysthymia)—and why understanding those differences can help people have more informed conversations with qualified healthcare professionals and find the support that best fits their individual needs. Caring for the Whole Person Cristine introduces her "Wellness Diamond," a framework that encourages us to look at well-being through four interconnected dimensions: physical, emotional, mental, and spiritual. She shares why lasting wellness often comes from considering  Small Daily Practices Can Create Meaningful Change One of Cristine's own turning points came when she shifted her focus from simply tracking difficult emotions to intentionally practicing gratitude. She discusses how small, consistent habits can gradually reshape the way we experience ourselves and the world around us. A Final Reflection Our circumstances may influence our story, but they don't have to define its ending. Cristine reminds us that healing doesn't begin when everything around us changes; it begins when we're willing to become curious about what's happening within us. Whether you're navigating stress, discouragement, anxiety, or simply feeling disconnected from yourself, greater self-understanding can open the door to meaningful change. Sometimes the most important step forward isn't finding all the answers. It's asking better questions. Carry This Forward Notice What habits or coping strategies have you been relying on simply to get through the day? Reflect What might your mind or body be asking you to pay closer attention to? Complimentary Resources: Freebie: 14-Day Version of The Gift of Gratitude (available on website) Free Brain Chemistry Support: 10Waysbook.com   Cristine's Book: The Gift of Gratitude on Amazon   Christine's Recommended Reading:  Potatoes Not Prozac by Kathleen DesMaisons Connect with Cristine Website: Cristine Hull YouTube: Health, Healing, & Wholeness Instagram: @cristine.author LinkedIn: Cristine Hull PhD Facebook: Author Cristine Hull Guest Bio Cristine Hull, PhD, CMHC, is an Integrative Mental Health Expert who blends psychology, natural medicine, and spirituality into an approach that honors mind, body, and spirit. After earning her Doctorate in Natural Medicine from Quantum University, she crafted her own transformative model — weaving emotional tools, evidence-based assessments, and quantum medicine into everyday practice. Her approach feels less like a therapy couch and more like an awakening - where science meets soul. Cristine brings empathy, storytelling, and a lively spark, turning complex concepts into relatable "aha" moments. If you're seeking practical steps for resilience, wholehearted living, and authentic well-being, you've found your guide.

Let Us Know What You Thought Of The Episode Thinking about using CMHC MLI Select for your next multifamily investment? It's often promoted as the go-to financing solution, but the reality is that it's not the right fit for every deal.In this episode, Michael Ponte sits down with Nadeem Keshavjee, Founder of GreenBirch Capital, to unpack what MLI Select really offers, where it shines, and where investors need to be careful. They discuss the trade-offs, common misconceptions, and why choosing the right financing strategy is just as important as choosing the right property. If you're considering commercial or multifamily investing, this conversation will help you evaluate whether MLI Select belongs in your investment strategy.In this episode, you'll learn:What CMHC MLI Select is and how it worksHow affordability, energy efficiency, and accessibility impact financing termsWhen MLI Select is the right choice—and when it isn'tThe hidden costs, restrictions, and reporting requirements investors should knowAlternative commercial financing options and how to choose the right one for your dealPractical insights from years of financing multifamily and commercial properties across CanadaWhether you're buying your first apartment building or expanding your portfolio, this episode will help you make more informed financing decisions.Follow GreenBirch on Instagram: https://www.instagram.com/greenbirchcapitalLearn More About Our Trusted Partner - Calvin RealtyCalvin Realty is a top-tier, investor-focused real estate team based in Edmonton.Our goal is to transform lives and build lasting relationships through real estate. We strive to offer exceptional service and guidance, ensuring every client's success throughout their journey.We're proud to be recognized as the top-rated real estate team in Edmonton and area, with over 570 Google reviews and the highest client satisfaction rating. Clients consistently describe us as responsive, knowledgeable, and dedicated to delivering exceptional service.In 2025, Calvin Realty earned the prestigious Northern Alberta Consumer Choice Award in the Commercial Real Estate category—marking us as a leading team in the region. We specialize in investor-focused services, providing exclusive access to private deals, a strong professional network, and strategic market guidance designed to help clients expand their portfolios and identify opportunities early.With our award-winning reputation, proven results, and investor-first approach, Calvin Realty stands out as a premier real estate partner in Northern Alberta.Would you like to learn more? Visit: https://thesavvyinvestor.ca/calvin-realty/Savvy Investor Links:Website: https://thesavvyinvestor.ca Instagram: https://www.instagram.com/savvy_investors   YouTube: 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.

The Bank of Canada says the Canadian economy is beginning to improve, inflation has fallen to 2.8%, the TSX has reached another all-time high and Canadian consumers continue to spend.   So why does the economic outlook still feel so uncertain?   In the August 2026 Economic Update, Darren and Christina break down the proposed 50% U.S. tariffs on certain Canadian products, the latest movement in the Canadian dollar, what's driving the Canadian and American stock markets, and why major institutions continue buying Bitcoin.   They also examine the growing disconnect between the federal government's promise to build 500,000 homes annually and CMHC's forecast that Canadian housing starts will decline over the next several years.   Darren also digs into the newly opened Gordie Howe International Bridge, why the project is great news for Canadian trade and the unanswered questions surrounding the revised revenue-sharing agreement with the United States.   Plus, they discuss the difference between mortgage insurance and personally owned term insurance, Manulife's growing use of AI, Control & Compound's new Instagram account and the episodes coming in August.   *** Follow the new official Control & Compound Instagram account: @controlandcompound_   Show notes: 00:00 - Canada's August Economic Update 03:54 - Bank of Canada Holds Interest Rates 06:42 - Inflation Falls but Groceries Keep Rising 08:15 - What's Pushing Down the Canadian Dollar? 10:30 - The TSX Outpaces the S&P 500 15:02 - Bitcoin Rebounds as Institutions Keep Buying 18:54 - Canada's Housing Market Begins to Stabilize 20:55 - The Government Promised 500,000 Homes a Year 23:13 - The Gordie Howe Bridge Is Officially Open 25:42 - Questions About the Revised Bridge Agreement 30:38 - Trump's Proposed 50% Tariffs 32:34 - Some Positive News for Canada's Economy 34:36 - Term Insurance Versus Mortgage Insurance 37:04 - How Manulife Is Using AI 39:07 - Control & Compound's New Instagram Account 41:18 - Recent Episodes and What's Coming in August   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound_   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true   BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us  

Today's podcast Matt and I are completing our annual review of CMHC (Canadian Mortgage & Housing Corporation) 2026 mortgage consumer survey. CMHC surveys 4000-5000 mortgage holders across Canada to find out some common trends homeowners may be facing. We also have an update on the 2% down payment program the Nova Scotia government rolled out in a partnership with local credit unions back in February 2026. Find out how many people have actually used this program to sucessfully purchase a home!Last but certainly not least, the federal government announced their intention to purchase 2200 vacant condos in British Columbia. There has been a lot of noise made about this whether it's a government bailout of B.C. developers, if this is a viable option for affordable housing, and the numbers being touted as what the purchase price of these condos may be. Enjoy!Jason Paul902-220-7357jason@infinityrealestategroup.ca@jasonpaulhalifaxrealtor@halifaxrealestatepodcastMatt Legatto902-240-3304matthew.legatto@indimortgages.ca@matthewlegatto.mortgages

Toronto has almost stopped building condos. Starts hit a multi-decade low last year, and by the end of the decade there will be virtually no new condo completions at all. So nearly all the new housing this city gets over the next five years will be purpose-built rental — apartment buildings owned by the people who build them. My guest is Matt Spoke, a partner at Toronto Standard, which develops, builds, and holds midrise rental across Toronto. He's a CPA and former tech founder who runs the firm's capital side, so he thinks about housing the way an underwriter does. We talk about why this way of building disappeared for 25 years and what's bringing it back, why he builds midrise instead of joining the multiplex boom, and which government policies actually got shovels in the ground. I also push him on CMHC — purpose-built rental depends on government-insured loans no private lender would offer, and Matt generally favours markets over intervention. Then the question I most wanted answered: rents are down about 4% from last year and roughly 12% off their 2023 peak, and he's putting up buildings that won't have tenants for two or three years. So what rent is he actually assuming — and does he think rents go up from here, or down?

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 part two of a two-part episode on State of Lending on the Commercial Real Estate Podcast, powered by First National, hosts Aaron Cameron and Adam Powadiuk discuss the latest... The post State of Lending Part 2: Canada Mortgage Bond Liquidity & CMHC Policy Changes with Adam Powadiuk and Aaron Cameron appeared first on Commercial Real Estate Podcast.

The average first-time homebuyer in Ontario is now 40 years old, according to Teranet's Q1 2026 Market Insights report. At the same time, first-time buyers became the most active buyer segment in Ontario, while multi-property owners fell from first place to third. In this episode, we use Ontario as the case study, then widen the lens nationally. Bank of Canada data shows first-time buyers have generally accounted for about half of mortgaged home purchases in Canada since 2014. CMHC's 2026 Mortgage Consumer Survey shows first-time buyers are renting longer before buying, relying on co-signers, and still getting help from family gifts. CREA's latest national resale data shows a market thawing, but not booming. This is not just an Ontario affordability story. It is a national buyer-quality story. 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.

Send us Fan MailCMHC MLI Select may offer compelling financing terms for purpose-built rental development—but “up to 95% loan-to-cost” does not mean every project will receive 95%, or that a developer needs only 5% cash.In this episode, Payam Noursalehi speaks with Abtin Nikeghbali of Canada ICI about what lenders and CMHC examine when evaluating a small Toronto mid-rise or multi-unit rental project.The conversation covers:• Net-worth and liquidity expectations• Construction and property-management experience• How lenders assess rents, vacancy and operating assumptions• The difference between maximum leverage and actual proceeds• Why owners must front construction costs before receiving draws• Builder contracts, bonding and third-party management• CMHC construction financing versus completion takeout• When a developer should begin the financing process• How Major Streets and EHON projects may fit into the rental-financing landscapeThe rates, timelines and program interpretations discussed reflect the conversation at the time of recording. CMHC policies and financing terms can change. Obtain current advice from qualified lending, legal, accounting, appraisal and construction professionals before making a project decision.#RealEstateDevelopment #CMHC #PurposeBuiltRental #DevelopmentFinancing #TorontoRealEstate For more information, please refer to RealEstateDevelopmentInsights.comTake our Free Assessment at: DevelopmentReadinessAssessment.com

It’s Party for Two! Jerry is joined by Karen Stintz, former Toronto city councillor, former TTC chair, and political commentator, to discuss the top stories of the day. Despite Canada's ongoing housing affordability crisis, records show the Canada Mortgage and Housing Corporation paid out millions in bonuses last year. Jerry speaks with Bryan Passifiume of the Toronto Sun about the controversy. Could proposed reforms finally put an end to Canada's so-called "catch-and-release" bail system? Jerry speaks with Michele Mandel of the Toronto Sun about the latest changes. Plus, Jerry looks at an "Ask Lisi" column which talks about one couple's very different views on their cottage.

Ryan sits down with the two founders of MCC Premiere Mortgage Centre, Sarah Albert and Sara Wright. They built one of Atlantic Canada's most recognized mortgage broker teams out of Moncton, NB, and are now expanding into Nova Scotia. This episode covers how they met, how they grew a fully salaried team with 12+ year tenure, and why they believe every broker needs to get comfortable in the alt and private space, or they may as well work at a bank. Sarah Albert breaks down why construction loans are simpler than most brokers think, how she compares private vs. CMHC costs side by side for clients, and what the Australian mortgage broker market could teach Canada about collaboration. They also get into the real ROI of social media, why it takes a year before you see results, and why consistency beats tactics every time.Chapters:1:09 Meet Sara Wright, From Bank Teller to Broker 3:27 How the Two Sarahs Met 5:16 Sarah Albert's Origin Story & How She Started Premier 8:05 The 70-Page Business Plan That Started It All 11:43 When They Rebranded to MCC Premiere Mortgage Centre 13:20 Growing the Team and Knowing When to Hire 16:57 Their Team Has Been Together 12+ Years 18:20 Expanding Into Halifax, Back to Basics 21:45 Halifax vs. Moncton: The Competition Is Fierce 23:40 Construction Loans Aren't as Scary as Brokers Think 28:27 Why Private Lending Is Often Simpler Than Bank Deals 30:50 Why New Brokers Need to Learn Alt & Private Early 33:45 There's Always a Deal, Mindset Shift for New Brokers 35:54 Alt Lending Builds Client Loyalty That Never Breaks 36:54 Alt as a Tax Planning Tool for Self-Employed Clients 38:55 Going All-In on Social Media and What They Learned 43:06 Consistency Over Tactics, No Magic Bullet 45:09 What They'd Change About the Mortgage Industry 47:04 The Australian Model: Broker Market Share at 80% 53:19 Bonus: Favourite Halifax Restaurant & Best Vacation DestinationResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: ryan@keycap.caFind MCC Premiere Mortgage Centre at:www.monctonmortgagebrokers.com

Send us Fan MailDevelopment Charges Explained: Why They Rose, What Went Wrong, and What DC Relief Means for HousingIn this episode, Payam discusses development charges (DCs) as one-time fees on new developments intended to fund growth-related municipal infrastructure such as roads, transit, water, parks, libraries, and emergency services, noting the costs are often passed through to end users. He argues DCs became unsustainably front-loaded as market conditions worsened, using the “beer distribution game” to explain how reasonable decisions across the system can create unreasonable outcomes due to timing lags between long-term infrastructure planning and upfront project financing. He outlines reasons DCs rose—larger capital programs, higher land and construction costs, bylaw changes, and annual indexing—and highlights Toronto's unique transit-heavy DC structure, with about 60% directed to mobility. He cites Toronto DCs rising from about $11,700 in 2010 to over $137,000 in 2024, indexing paused for 2025–26, Bill 23 exemptions, and a 2026 federal-provincial program incentivizing 30–50%+ reductions; Toronto plans 40–60% cuts (2026–29) supported by $1.5B. He says reductions help viability (CMHC estimates ~5% viability lift at 50–60%) but won't be a silver bullet, and raises concerns about replacing lost municipal funding and the need for broader, less DC-reliant infrastructure financing.Development Charges ExplainedWho Really Pays DCsBeer Game AnalogyTiming Mismatch ProblemWhy DCs SkyrocketedToronto Transit FactorNumbers and IndexingLegislative Changes and ReliefWill DC Cuts Restart HousingMunicipal PushbackBetter Funding AlternativesFor more information, please refer to RealEstateDevelopmentInsights.comTake our Free Assessment at: DevelopmentReadinessAssessment.com

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.

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.

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/

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.

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.

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.

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.

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

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