In this episode, we begin with a welcome and introduction to the topic of mortgage renewals and options. A sponsor message from Real Approved Inc. follows. We then provide an analysis of mortgage renewals and rate options anticipated in 2025, offering insights into future trends. Financial adviser Mark Ting joins the conversation to share expert in…

In this episode, we start with a welcome and introduction, setting the stage for our discussion. A sponsor message from Real Approved Inc. is then featured. We delve into the complexities of mortgage rates, tariffs, bond yields, and political uncertainties, and how these factors shape the current mortgage landscape and affect borrowers. We examine …

In this episode, we kick off with an introduction to Ontario Mortgage & Real Estate Insights. A sponsor message from Real Approved Inc. follows. We explore the salary requirements for buying a home in Toronto, providing a detailed look at affordability. The discussion then shifts to the Bank of Canada's influence on mortgage rates and the current t…

Steve Hamoen and Ritavan explore future-proofing legacy businesses by emphasizing value creation in the digital era. They discuss fostering customer obsession, the SLA SOG framework in airlines, overcoming groupthink, and enhancing customer experiences. The episode addresses decision-making biases, demand shaping strategies, and data-driven team al…

In this episode, we begin with a welcome and introduction, setting the scene for our discussion. A sponsor message from Real Approved Inc. is featured next. We delve into condo market trends, addressing issues like oversupply, investor challenges, and the perspectives of younger Canadians. The conversation then shifts to the housing strategies prop…

In this episode, we begin with a welcome and overview, setting the context for our discussion. A sponsor message from Real Approved Inc. follows. We explore the decline in Canadian housing starts and the collapse of Ontario's market, contrasting it with Alberta's situation. The analysis highlights the skilled trade worker shortage and its impact on…

In this episode, Steve Hamoen and Frank Iglesias explore decision-making in real estate, focusing on balancing sales and risk. They discuss the role of experience, coaching, and mentorship in growth, and the structure of mentor-coachee relationships. The conversation covers appreciation, motivation, relationship building, and using social media for…

In this episode, we begin with a welcome and introduction, setting the stage for the discussion. A sponsor message from Real Approved Inc. follows. We then explore the impact of development fees on homebuyers and the potential misuse by municipalities. The conversation shifts to public opinion and the Ontario Real Estate Association's proposals for…

In this episode, we start with a welcome and an overview of Equifax's new Intelligence Suite, setting the stage for the discussion. A sponsor message from Real Approved Inc. follows. We then examine the impact and innovations of cloud-native technology in commercial lending, highlighting its transformative potential. The conversation moves to Equif…

In this episode, we kick off with a welcome and overview, setting the stage for the discussion. A sponsor message from Real Approved Inc. follows. We then delve into the Bank of Canada's recent interest rate decision and its implications for economic indicators. The conversation shifts to personal considerations in home buying, offering insights fo…

In this episode, we begin with a welcome and an overview of the Foreign Buyers Ban and Non-Resident Speculation Tax, setting the stage for the discussion. A sponsor message from Real Approved Inc. follows. The focus then shifts to the economic impact of new home construction in Ontario and a review of recent trends in Ontario home prices. We discus…

Steve Hamoen and Sandra Simmons dive into essential financial principles, starting with "pay yourself first" and accounting fundamentals. Sandra shares insights from her global financial planning experience, discussing common mistakes and effective cash flow management. They cover planning for future expenses, business expansion, and reserve funds.…

In this episode, we begin with an introduction that highlights the recent interest rate announcement and its implications. A sponsor message from Real Approved Inc. follows. The discussion then shifts to the impact of various economic factors on Ontario's real estate market. We delve into current housing market trends and mortgage strategies, provi…

In this episode, Steve Hamoen begins with an introduction, setting the context for a detailed discussion. A sponsor message from Real Approved Incorporated follows. The episode covers the Ontario Court of Appeal's stance on fraudulent misrepresentation and trial adjustments, as well as inflation's impact on consumer costs and real estate in Canada.…

Steve Hamoen and Majeed Mogharreban explore the transformative power of public speaking in business, emphasizing its role in overcoming challenges and sharing impactful messages. They discuss strategies for finding and preparing for speaking opportunities, including the creation of a speaker promotion kit and the importance of relationship building…

In this episode, we start with a warm welcome and a comprehensive market overview. A sponsor message from Real Approved Inc. follows. We then delve into home price trends across Ontario, examining recent economic indicators such as sales, interest rates, CPI, and housing starts. The discussion continues with updates on regulatory changes, focusing …

In this episode, Steve opens with a welcome and introduction, setting the stage for an insightful discussion. Janine follows with a sponsor message from Real Approved Inc. Steve then provides an overview of Canadian condo markets, highlighting affordability issues and making regional market comparisons. Janine explores developers' cautious approach…

In this episode, we begin with an introduction and a discussion on current mortgage rates, examining their implications for buyers and investors. A sponsor message from Real Approved Inc. follows. We then spotlight a detached duplex in the Casa Loma area, highlighting its features and market potential. The episode concludes with a wrap-up and final…

In this episode, we kick off with an introduction and welcome, followed by a sponsor message from Real Approved Inc. We explore a major real estate bankruptcy in Ontario, discussing its impacts and ongoing investigations. The conversation covers strategies and progress in property liquidation, along with the legal and regulatory repercussions for M…

In this episode, we begin with an introduction and a discussion on the Federal Reserve's interest rate policies. We then cover the revocation of Ontario's Mortgage Smart license and delve into a bankruptcy case in Northern Ontario. The conversation shifts to the increase in Canadian building permits and insights from the mortgage industry in Wester…

In this episode, Steve Hamoen delves into the intricacies of focused branding and marketing strategies, emphasizing the importance of identifying and engaging with ideal customers. He explores strategic marketing and relationship building, mapping the buyer's journey, and leveraging brand strategies tailored for small businesses. The discussion cov…

In this episode, we start with an introduction and welcome, followed by a sponsor message from Real Approved Inc. We discuss FSRA's enforcement actions, including the revocation of Mortgage Smart Inc.'s license, and the notice of proposal against Tracy and Nino Scimeca for unauthorized mortgage activities. We provide updates on the rental market an…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into the new trade war era and the impact of US tariffs on Canadian real estate. The discussion shifts to the economic repercussions and Scotiabank's perspectives on potential rate cuts. We explore market trends, recession risks…

Steve Hamoen and Derek Morgan explore the intricacies of referral marketing, focusing on the concept of ICOI and its associated challenges. They outline a framework for effective referral marketing, emphasizing the importance of establishing systems before implementing technology. Key discussions include the benefits of niching down, identifying id…

In this episode, we start with an introduction and an overview of recent economic news, followed by a sponsor message from Real Approved Inc. We discuss the current economic challenges and their impacts on various sectors, leading to market reactions and speculation about a potential rate cut by the Bank of Canada. The conversation then shifts to s…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into the recent changes to the mortgage stress test in Ontario, examining its impacts on the market. The discussion then shifts to Canadian mortgage default rates and proposed regulatory changes aimed at addressing them. We expl…

In this episode, we begin with a welcome and an update on the Ontario housing market, followed by a sponsor message from Real Approved Inc. We then explore the new mortgage regulations and their implications for the industry. The discussion covers various economic factors impacting mortgages and real estate, providing a comprehensive outlook. We an…

In this episode, we begin by examining the reactions to recent tariff announcements and their implications for mortgage rates. We discuss the growth of reverse mortgages in Canada and the importance of broker education in this area. The focus then shifts to the slowdown in GTA home sales, analyzing the current market dynamics. We explore how intere…

In this episode, we begin with an introduction and warm welcome, followed by a sponsor message from Real Approved Inc. We analyze the latest report from the Toronto Regional Real Estate Board, providing insights into current market dynamics. The discussion then shifts to the impact of trade issues and the federal election on the real estate market.…

In this episode, Steve Hamoen and Matthew Phipps explore unique real estate investment opportunities, focusing on parking and storage sectors. They discuss market trends and the benefits of cash-flowing properties, particularly in Southern Ontario. The conversation transitions to larger multifamily buildings, highlighting return on equity and the M…

In this episode, we start with a warm welcome and an overview of today's topics, followed by a sponsor message from Real Approved Inc. We delve into the impact of US tariffs on Windsor's economy and discuss how lower interest rates are affecting homeowners in the area. The conversation then shifts to the role of mortgage brokers amid economic insta…

In this episode, we kick off with a welcome to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We discuss the rise in Canada's mortgage arrears, examining the economic factors contributing to this trend. The conversation then moves to the improvement in housing affordability and the role of…

Steve Hamoen and Ivan Vilskovsky dive into high ROI marketing channels and local SEO strategies for lawyers. Ivan shares his journey and vision for 2025, stressing the need to craft a robust marketing plan by reviewing past tactics. They discuss digital marketing, understanding target audiences, and budgeting for growth. Topics include selecting ef…

In this episode, we start with a welcome and introduction to the podcast, followed by a sponsor message from Real Approved Inc. We provide an update on the Canadian housing market and discuss Mark Carney's proposed housing plan. The conversation then explores affordable housing strategies and financial incentives available to buyers. We delve into …

In this episode, we begin with an introduction to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We provide an overview of Canada's 2024 mortgage rates and discuss their potential impact on the market. The conversation then shifts to a comparison of fixed versus variable mortgage rates, ex…

In this episode, we begin with a welcome and introduction, followed by an examination of the Bank of Canada's economic strategies. We then present a sponsor message from Real Approved Incorporated. The discussion shifts to economic stimulation efforts amid the ongoing Canada-U.S. tariff war. We delve into the Consumer Price Index and the current st…

In this episode, we begin with a welcome and introduction, followed by a sponsor mention from Real Approved Incorporated. We provide an overview of mortgage rates, comparing fixed and variable options. The discussion shifts to Canada's economic outlook, with a focus on the potential threats posed by U.S. tariffs. We examine how these tariffs could …

In this episode, we begin with an introduction to the podcast, followed by a sponsor message from Real Approved Inc. We delve into the latest Toronto-area new homes market report and examine the economic factors influencing it. The discussion then turns to Canadian mortgage rates, providing a renewal guide and exploring the impacts of interest rate…

Steve Hamoen and Stoy Hall explore the evolution from traditional to modern family offices, emphasizing the significance of values and trust in developing a positive money mindset. They discuss gender differences in financial management, focusing on risk management and representation. The conversation highlights the importance of delegation, using …

In this episode, we begin with a welcome and an overview, followed by a sponsor message from Real Approved Inc. We explore Ontario's Cottage Country market trends and discuss how political and economic factors are influencing real estate. The conversation shifts to the impact of regulations on short-term rentals and the growing preferences for wint…

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Incorporated. We delve into CIBC poll insights, highlighting current mortgage trends in Canada. The conversation explores the emotional value of homeownership and necessary spending adjustments. We discuss challenges faced by aspiring homebuy…

Steve Hamoen and Nick Jain explore the journey from growing up with big ideas in a small city to making impactful decisions in business. They offer advice for visionaries with limited resources, discussing generational influence and long-term investment strategies. The episode delves into managing technical debt, speeding up decision-making, and fo…

In this episode, we start with an introduction to the podcast, followed by a sponsor message from Real Approved Inc. The discussion then moves to the federal election, focusing on housing policy proposals and their implications. We explore the impact of international dynamics and current polling trends on the housing market. The conversation shifts…

In this episode, we start with a welcome and a sponsor message from Real Approved Inc. We then dive into the federal housing challenges, focusing on the ambitious goal of building 3.5 million new units. The discussion moves to homeownership accessibility and the impact of rising costs. We explore Barrie's safety ranking and examine property crime r…

In this episode, we begin with a welcome and introduction to current housing initiatives, followed by a sponsor message from Real Approved Inc. We then discuss the government's commitment to affordable housing through Canada's National Housing Strategy. The conversation shifts to affordable properties listed in Toronto, providing insights into the …

In this episode, we begin by discussing inflation concerns in the Ontario housing market. A sponsor message from Real Approved Inc. follows. We delve into the CMHC report, focusing on the housing starts forecast and analyze trends in house prices across various Canadian cities. The conversation shifts to considerations for choosing between fixed an…

In this episode, we kick off with an introduction and a message from our sponsor, Real Approved Incorporated. We discuss the federal government's $2.5 billion loan aimed at boosting rental housing in Toronto, including insights from the city's Mayor. The conversation shifts to financial strategies for rental projects, emphasizing the role of CMHC. …

Steve Hamoen and Monica Kaufman explore the impact of mindset on money and mentoring. They contrast healthy vs. unhealthy money mindsets, discuss personal branding, and perceptions of wealth across industries. Using real-life examples, they emphasize humility and gratitude in a wealth mindset. Topics include financial strategies, closing cycles, ro…

In this episode, we start with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into the federal government's recent housing investments in Toronto and examine current trends in Ontario's housing market prices. The discussion highlights the potential impact of U.S. tariff threats on Ontario's home sales and…

In this episode, we begin with an introduction to the podcast followed by a sponsor message from Real Approved Inc. We provide an overview of the Canadian real estate market, highlighting the sector's economic resilience. The discussion covers interest rates, consumer spending, and the performance of the S&P/TSX Composite Index. We explore commerci…