Regulatory compliance top three challenges facing firms

In this episode, we begin with a warm welcome and introduction, followed by a sponsor message from Real Approved Inc. The conversation turns to the challenges and compliance issues currently facing the financial services sector. We explore the role of AI regulations and the importance of ESG considerations in finance. The discussion then delves into governance, compliance strategies, and the potential regulatory consequences for the industry. The episode wraps up with closing remarks and a reminder from our sponsor.

Policies, rental conversions ‘crowding out’ families in Toronto, Ottawa

In this episode, Steve Hamoen kicks off with a welcome and introduction, followed by a sponsor message from Real Approved Inc. The discussion begins with an analysis of the University of Ottawa's Missing Middle Initiative, focusing on housing trends that impact young families. We then explore Ontario's housing policy and its effects on the availability of family-sized homes. The conversation continues with CMHC's recommendations and the increasing demand for three-bedroom rentals. Closing remarks emphasize the importance of these insights for developers and policymakers. The episode wraps up with a sponsor reminder from Real Approved Inc.

AI in Real Estate, Career Shifts, and Fundamental Insights

In this episode, we start with a welcome to the Ontario Mortgage & Real Estate Insights Podcast and a sponsor message from Real Approved Inc. We explore Aveni AI's partnership with Equifax UK, highlighting the benefits of AI in customer support and compliance. The conversation shifts to an inspiring career transition story from a geography teacher to a real estate professional, addressing common misconceptions. We then delve into the fundamentals of real estate, offering valuable insights for listeners. The episode wraps up with closing remarks and a reminder from our sponsor.

Private Mortgage Lending, Self-Employed Challenges, and Honoring Andrew Moor

In this episode, we start with a welcome and an introduction to private mortgage lending in Ontario, followed by a sponsor message from Real Approved Inc. We delve into the statistics and challenges faced by self-employed individuals when dealing with private mortgage lenders. The discussion highlights the costs and opportunities associated with private mortgage lending. We pay tribute to Andrew Moor, acknowledging his significant influence in the financial industry. The episode concludes with closing remarks and a reminder from our sponsor.

CMHC Rules, Ontario Insolvencies, and Economic Trends Impacting Real Estate

In this episode, we begin with a welcome and an overview of the topics to be discussed, followed by a sponsor message from Real Approved Inc. We explore CMHC's return to pre-pandemic rules and its implications for housing affordability. The discussion then shifts to the rising trends in Ontario insolvency filings and consumer proposals. We address the challenges faced by landlords and pre-construction buyers, and examine the rise in Canadian bond yields and their economic impact. We also discuss OSFI's stance on the domestic stability buffer and bank capitalization. The episode concludes with closing remarks and a sponsor reminder.

Ontario Housing Starts, Toronto Market Trends, and Investment Insights

In this episode, we begin with a welcome and a sponsor message from Real Approved Inc. We delve into a CMHC report that outlines strategies for increasing housing starts in Ontario. The discussion then shifts to the challenges and economic impacts of housing construction in Toronto and across Canada. We explore housing investment trends, highlighting regional variations, and provide a detailed analysis of the Toronto real estate market, offering advice for buyers and sellers. The episode concludes with closing remarks and a reminder from our sponsor.

CMHC Urban Targets, Mortgage Challenges, and Ontario Real Estate Trends

In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We dive into a CMHC report focusing on housing construction and urban targets, followed by Fitch Ratings' perspective on Canada's housing market. The discussion shifts to the mortgage challenges faced by younger Canadians and explores real estate trends in Ontario and Toronto amid economic uncertainty. We also examine the latest inflation figures and their impact on the broader economy. The episode concludes with closing remarks and a sponsor reminder.

Ontario Housing Bill, Toronto Condo Crisis, and Remembering Andrew Moor

In this episode, we start with a welcome and a sponsor message from Real Approved Inc. We discuss a new housing construction bill aimed at fast-tracking approvals in Ontario and explore the evolving role of mortgage brokers in this changing market. We examine a CMHC report on housing affordability and construction pace, followed by an analysis of the current condo crisis in Toronto. The episode also covers the latest inflation figures and their implications for interest rates. We reflect on Andrew Moor's legacy at Equitable Bank and discuss the bank's interim leadership and future outlook. Concluding with closing remarks and a sponsor reminder.

Residential Construction Decline, FSRA Updates, and KIC Realty's Expansion

In this episode, we start with an introduction and a sponsor message from Real Approved Inc. We discuss the recent monthly drop in residential construction as reported by Statistics Canada and examine the challenges facing the housing market, including declines in building permits and starts. We also cover KIC Realty's expansion and their innovative agent ownership model. A regulatory update follows, highlighting FSRA's actions and the new Fraud Reporting Service Rule. The episode wraps up with closing remarks and a sponsor reminder.

Alberta Housing Challenges, Construction Trends, and Consumer Spending Insights

In this episode, Steve Hamoen begins with an introduction, followed by a sponsor message from Real Approved Inc. We delve into the challenges and outlook for the housing markets in Calgary and Edmonton, examining factors impacting these regions. The discussion shifts to labor shortages affecting the construction industry and the emerging trend of co-ownership as a solution. Additionally, we analyze Canadian retail sales and consumer spending patterns to understand broader economic implications. The episode wraps up with insights into how these trends influence the real estate and mortgage sectors.

CMHC Housing Supply Gaps, Regional Trends, and Simcoe County Market Insights

In this episode, we begin with a welcome and a sponsor message from Real Approved Incorporated. We delve into CMHC's latest report on housing supply gaps, examining the pace of home construction and regional differences in supply and affordability. The episode covers CMHC's Annual Report for 2024, highlighting strategies and commitments to sustainability. We also explore real estate market trends specific to Simcoe County. The episode concludes with closing remarks and a sponsor reminder.

CMHC Report, Market Challenges, and Innovations in Construction Technology

In this episode, we kick off with a welcome and a sponsor message from Real Approved Inc. We dive into the Canada Mortgage and Housing Corporation report, focusing on regional supply gaps and innovations in construction technology. We explore Toronto's homebuilding surge and housing market challenges in Calgary and Edmonton, including political developments. We address the decline in condo sales and market hesitations. Renters' challenges and economic pressures in Ontario, historical home value appreciation, and future rental conditions are highlighted. We also cover mortgage broker strategies, Rakhee Dhingra's framework, and Heartwood Financial Group's growth before concluding with closing remarks and a sponsor reminder.

Canadian Mortgage Trends, Inflation Updates, and Real Estate Market Insights

In this episode, Steve Hamoen kicks off with an introduction, followed by a sponsor message from Real Approved Inc. We explore the surge in Canadian mortgage debt and the implications of the Bank of Canada's policy rate amid ongoing inflation concerns. The episode provides an update on changes to the Consumer Price Index basket and analyzes real estate market trends, focusing on condo sales and single-family home prices. Additionally, we discuss Canada's population growth forecast and its potential impact on the housing market. The episode concludes with closing remarks and a sponsor reminder from Real Approved Inc.

FSRA Actions, Bond Yields, and Trends in Canadian Housing Starts

In this episode, we start with a sponsor message from Real Approved Inc. and dive into FSRA's suspension of ZK Financial Inc.'s license due to regulatory violations, stressing the importance of transparency in the mortgage industry. We discuss the trend towards variable-rate mortgages amid economic uncertainty and the effects of rising bond yields on mortgage rates and the economy. We also analyze the rise in Canadian ten-year government bond yields and housing start trends. Toronto condo sales reflect market volatility, and we spotlight Neighbourhood Holdings' program for self-employed borrowers. The episode wraps up with closing remarks and a sponsor reminder.

Mortgage Trends, Generational Debt, and 2025 Housing Market Predictions

In this episode, we commence with a welcome and introduction, followed by a sponsor message from Real Approved Incorporated. We delve into the rising mortgage delinquencies and their economic implications, examining trends in mortgage renewals, amortizations, and rate preferences. We discuss homeowners' financial strategies in the current market and consider debt and affordability challenges facing different generations. Recent home sales data and market trends are analyzed, along with predictions for the housing market leading into 2025. Insights into the condominium market in major cities are provided before the episode concludes with closing remarks and a sponsor reminder from Real Approved Incorporated.

Rising Home Prices, Mortgage Report Insights, and Lender Stability

In this episode, we start with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We examine the rising Canadian home prices and current economic trends affecting the housing market. Insights from the 2025 Residential Mortgage Industry Report are discussed, highlighting key findings. The conversation then moves to mortgage renewals, debt levels, and the stability of lenders in this evolving landscape. The episode wraps up with closing remarks and a sponsor reminder from Real Approved Inc.

Toronto Zoning Changes, FSRA Actions, and GTA Market Trends

In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We explore Toronto's new zoning regulations for fiveplexes and sixplexes, discussing concerns about building height changes for basement units. We provide housing recommendations and highlight FSRA's recent action against a mortgage broker. The conversation shifts to real estate market trends in Newmarket, Aurora, and the Greater Toronto Area. Economic factors influencing the housing market are examined before the episode concludes with closing remarks and a reminder from our sponsor, Real Approved Inc.

Toronto Condo Sales, Ontario Market Trends, and CMHC Insights

In this episode, we kick off with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We discuss insights from principal brokers on Toronto condo sales and explore trends in the Southwestern Ontario market, including mortgage debt patterns. The conversation shifts to CMHC's updates on housing supply and mortgage delinquency rates. We emphasize the importance of staying aware of market dynamics to make informed decisions. The episode concludes with a sponsor reminder from Real Approved Inc.

CMHC Mortgage Report, Ontario Legislation, and Economic Trends

In this episode, we begin with an introduction by Steve Hamoen, followed by a sponsor message from Real Approved Inc. We delve into the CMHC Residential Mortgage Industry Report, focusing on mortgage delinquencies. The discussion then shifts to Ontario's new real estate legislation and its potential impact on the market. We provide an update on the state of condo markets in Toronto and Vancouver. Economic updates are covered, including the performance of the Canadian dollar, U.S. inflation, and oil prices. The episode concludes with closing remarks and a reminder from our sponsor, Real Approved Inc.

GST Rebate on New Homes, CMHC Condo Insights, and Economic Trends

In this episode, we start with a welcome and an overview of the GST rebate. Following a sponsor message from Real Approved Inc., we delve into Ottawa's proposal for a GST rebate on new homes, discussing its potential impact on the housing market. We then provide an update from CMHC on condo markets and explore investor stress. Economic developments and insolvency trends are also examined, highlighting their effects on the real estate sector. The episode wraps up with closing remarks and a sponsor reminder.