Angry Mortgage

Send us Fan MailLearn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgageNeighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)Submit your questions at askgoodquestions.caIn this episode, Ron takes calls, gives his honest takes, and has lots of laughs. You don’t wanna miss it!Support the show

Send us Fan MailLearn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgageNeighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)Why is an old fat mortgage broker thinking about defense spending? Because in a country running massive deficits, there's some huge spending coming down the pipeDavid Perry gives us the inside information on what is likely to be one of the largest budget increases and spending initiatives of the Carney Liberal Government.He brings needed insights into reasoning behind big, expensive weapons programs and the thinking that led to those huge buys. He also lets us know just how difficult & disjointed Government procurement has been and how it may be getting rectified.Support the show

Send us Fan MailLearn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgageNeighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)Special Guest David Herle- Partner at Rubicon Strategy and host of the Curse of Politics and Herle Burly podcasts David is one of the Top 2 or 3 Political Commentators in Canada & 40-year Polling ExpertWe talk about Polling, politics, the economy, what's the future for young Canadians & Working-Class people Who sees themselves as Middle Class in Canada anymore that answer may surprise youAnd what's Prime Minister Mark Carney really like?Support the show

Send us Fan Mail📞 We want your questions! Submit it at askgoodquestions.caA husband flees the country with a warrant out for his arrest. Questions about investing, buying a forever home, and plenty more chaos ensues.Support the show

Send us Fan MailLearn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgageNeighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)What The World Needs To Worry AboutSpecial Guest Keith Dicker Founder and CIO IceCap Asset Management and Co-host of the Loonie Hour PodcastKeith Dicker educates Canadians about our Macro Economic World every week on The Looney HourWe both share the same view on massive Government & Private Debt that circulates around the worldBecause the World Bond Market dwarfs the Equity Market which draws all the daily headlines the Bond Market seems quiet & safeAre we about to find out those assumptions weren't right? Support the show

Send us Fan MailIf you want to know what's going on in Real Estate Lawyer game in Ontario, you ask MarkAnd he has some startling information based on developing trends in Residential Purchases, Sales & Power Of Sales going on in Southern OntarioSome of it is shocking, some of it fascinating, some just plain tragicAnd all of it in massive contrast to the wild run up in the prior 14 years until 2023This episode is a Banger Support the show

Send us Fan MailYou’re divorced. Now what? Your living situation is likely your biggest asset and your biggest headache. In this episode, Ron takes your calls and answers the tough questions about moving on and moving out, and more.Stop guessing. Start asking. Submit your questions for the next show at: askgoodquestions.caSupport the show

Send us Fan MailSpecial Guest Albert Collu- CEO & President of Marathon Mortgage CorpWhat's going on with Mortgage Rates? One thing for sure: we have proof positive there's no Bank collusion on Mortgage Rates because for 8 weeks there has been outright war on Fixed Rates, 2 Banks undercutting the restWhy does this happen? What's it mean for BorrowersAnd why has the Federal Government gone all in on Rental New Construction?Have they given up on Home OwnershipBecause the HST Holiday seems to be meant for Speculators Support the show

Send us Fan MailHeading To Record LevelsScott outlines the multiple reasons for the steady acceleration of personal Insolvencies in Canada It's a steady upward path with a real possibility of becoming a 2-to-3-year record level of Insolvent CanadiansScott explains why Ontario Homeowners had almost ZERO Insolvencies for over a decade & have now increased to 11% of Ontario filingsThis is an almost perfect economic storm having its ultimate outcome Scott Terrio- Manager of Consumer Insolvency at Hoyes Michalos and AssociatesSupport the show

Send us Fan MailWhat's happening on the ground in MortgagesTop Butler Mortgage Broker Chris Bressi talks about what's happening in Mortgage World todayChris takes up to 20 calls a day from borrowers in 3 provinces and the feedback he has says a lot about what Canadians are worried about on RenewalWho's buying homes today & what their attitudes areAnd in the Age-Old Debate between Fixed & Variable, what's really happeningSupport the show

Send us Fan MailWhat is going on in the Mortgage Investment Corporation Industry in Canada today?Because it looks like Hellsapoppin!Gating for some, Reduced Rates Of Return for some, Receivership for a small fewAnd no one better to make sense of this than DerekHow to do Alternative Mortgages right & how some get it wrongLet's unearth the facts Support the show

Send us Fan MailThe Shocking Contrast between A Professional Financial Advisor & A Real Estate Wealth CoachThe Financial Advisor vets Tax Planning, Estate Planning, Insurance, Investments & more The Real Estate Coach only had ONE Strategy: Borrow MORE, Buy MORE REAL ESTATEHow this lust for Real Estate Investment blew up after 2009 & for some people has ended in Tragedy today Support the show

Send us Fan MailDan is the President of Maple Financial a Major Canadian Alternative LenderWhy is Alternative Lending such a growth industry?What's changed at the Big 6 BanksHow has Regulatory Changes made it harder for some Canadians to get a MortgageAnd how not all Lenders are alike Support the show

Send us Fan MailIt's a big thrill to have Jenni on our PodcastI knew Jenni before I ever met her from watching hundreds of hours of my Favourite Political Podcast: Curse of PoliticsJenni brings the honesty & bluntness to Politics that I hope I bring to MortgagesLet's dive into the realities of the Political Moment today in CanadaCarney, Trump, Ford, the whole thing Support the show

Send us Fan MailReal Estate In BC With A Dash Of Alberta Politics, Policy & Prices are combining to create a chaotic environment on the West CoastSteve Saretsky & I dig into the bizarre Aboriginal Band issues that are causing Real Estate upheaval The many Government Housing Policies that may be revised soonThe relentless decline in prices & sales activity And what the heck's happening with Alberta Multi-family projects Support the show

Send us Fan MailAlternative Mortgage Lending: Lots Going On In OntarioOur guest is one of the top operators in the Alternative Lending Space & he is observing some big changes in the MarketplaceProperty Value DeclineIncreasing Mortgage DefaultsMore Power of Sales ActionsMore Stress In The SystemWhy are some Mortgage Investment Funds Gating their RedemptionsAre there some Corps Investors should tworry about?Support the show

Send us Fan MailA deep dive on the last tortured stages of the Canadian Condo Crash with a man who knows all the secretsPeak Insanity in Vancouver: You have to sign a Non-Disclosure Agreement to learn the REAL offer price on a CondoToronto sees Government Bailouts for Condo Developers: What's a Vulture Fund?How did 4 random guys get $1.33 BILLION in Government Enhanced Lending with a $6M down paymentSounds like End TimesSupport the show

Send us Fan MailTelling The Truth Can Be Hard But It's NECCESSARYSam Cooper & I got to know each other years ago on Social Media when we were both looking into the effects of Foreign Money coming into the Canadian Housing Market: we were both pretty much vilified by what we wroteSam went on the become Canada's leading journalist on the subject of Foreign Money & Foreign Influence on Canada's Financial System & Governments at all levelsBestselling Author & dedicated Journalist, it's a great podcastSupport the show

Send us Fan MailLet's do a deep dive on the day to day of Mortgage Brokering in the Ontario todayWhat are we seeing, what are the trends, what are the problems & what's going to happen next?Rob Campbell brings us a street level view of the issues and problems faced by Ontario home buyers and mortgage holders. There are some bright spots, and there's some concerns. Let's break it all downSupport the show

Send us Fan MailWhat's Going To Happen In GTA Real Estate This Year?Because there are some wrong ideas, misconceptions and outright misdirection about what's happening in the GTA real estate market today.John has key insights and on the ground feedback about what to expect and also sheds light on what the hell happened to all those RE Brokerage Trust Accounts where the money disappeared. Let's take a look at the what to expect in 2026Support the show

Send us Fan MailThere has probably never been a better time to have the #1 Expert on gas and diesel prices in Canada on our show. As the war in the Middle East rages & the price per barrel of oil changing hourly, we need to know what we can expect. If the war goes on for any length of time; Dan has a startling and highly concerning idea of where the price per barrel can end upHere is the analysis Support the show

Send us Fan MailA very deep dive on Canadian Real Estate Sales Trends & Price Expectations  How long can prices keep falling?How much lower can they go?Will the number of homes sold keep falling?What about Rents?Will Immigration increase?When is the Real Estate RecoveryWe cover all this & more in an episode filled with facts Support the show

Send us Fan MailSpecial Guest Vince Gaetano- Principal Broker at Owl MortgageRon & Vince break down what's going on in Ontario Mortgage WorldWith more Canadians being forced to get involved with Alternative & Private mortgage lending because of deteriorating Economic conditions there are far more things that can go wrong with that lead to bad outcomesThere are better strategies: better decisions to give better outcomes for borrowers Support the show

Send us Fan MailGreat to have Jeremiah back on the show for all things to so with Commercial Real Estate in Ontario What's going on with Condos Developmens?Has the Office Marker really taken off?What sort of Development Land Sales are going on?How are Warehouse Sales & Leasing performing?What's the Sweet Spot for Purpose Built Rentals?We cover all this & moreSupport the show

Send us Fan MailWhat's Wrong With Canadian HousingHousing & particularly Young Canadians chances of Home Ownership is one of the most important issues in Canada today. How do it get so bad? Why is it so hard to fix? Why has government done so poorly on the policy side? Mike Moffat is the genuine article: a policy expert and and an honest broker of housing information. I have wanted him on the show for a long time, let's get some answers goingSupport the show

Send us Fan MailAI: The Trillion Dollar Business We're pleased to Have Ron back on the Pod because AI just keeps getting bigger everydayThe last 6 months has seen an explosion of Capitol Spending on AI. Hundreds of Billions to grow AI in North America & beyondWhat's the future look like? Will it turn out to be hype? Will it radically reduce some job categoriesLet's find outSupport the show

Send us Fan MailAre Aboriginal Land Claims Becoming A Forever Issue? My Guest Bruce Pardy is an acknowledged Expert on Property Rights Law in Canada & the question of just how many more Land Claims we will see coming to Courts across Canada looms largeHow many more? How will Claims effect Property ValuesAnd most importantly why are own Construction may guarantee it will keep happening Support the show

Send us Fan MailWant to hear the latest trends in mortgage news? We have it. Blanket appraisal craziness. January marriage breakdown blues, what happens if people split but the house is worth less than the mortgage. The huge renewal wave is here. What's the impact? Consumer debt seems bigger than ever, should people refinance that debt? Or does it just make matters worse. Oh, and will we be hearing about the end of the stress test? All this and more in news from the front linesSupport the show

Send us Fan MailReal Truths About Real EstateAs more misinformation grows about the direction of the Ontario RE Market, we bring back Dan Foch to discuss realityAs some Realtors try to suggest we are "turning the corner" Dan can illustrate the factsInvestors have vanished or switched to CMHC Multi-familyFirst Time Home Buyers are making up a Bigger Share of the Purchase MarketBut prices are still too high for enough people to buyPrices stay down Support the show

Send us Fan MailSenior advisor at Meredith Boessenkool & Phillips and Director of MBP Intelligence. Former Director of Communications for Pierre PoilievreWhat's wrong with Houses Prices in Canada. Even though house prices are falling in some Regions most Canadian House Prices remain Bat Shit Crazy, far too high for Young Canadians 35 & Under to a comfortable chance of owning a home to raise a family inWe've been talking about this in Canada for the last 15 years with no real solution developing why can't we fix this after so long? Support the show

Send us Fan MailCanadian Resources Are BackWith Special Guest Heather Xner-Pirot- Director of Energy, Natural Resources and Environment program at Macdonald-Laurier InstituteHeather is one of our Country's leading experts on Canadian Resource Industries & there have been some huge changes. Why is a Mortgage Broker thinking about Resource Extraction: because that's the future of Wealth Growth in Canada & that's how Canadians will have money for housesSupport the show

Send us Fan MailInsolvencies SoarSpecial Guest: Scott Terrio- Manager of Consumer Insolvency at Hoyes Michalos & Associates?Insolvencies are growing in Ontario & there's some new flexes in that worldDid you ever think that Casino Gambling downloaded to your phone was going to be a positive? Or that buying rental Pre-construction properties was a guaranteed path to Wealth?Ron & Scott have the details Support the show

Send us Fan MailThe Contagion SpeadsSPECIAL GUEST Mark Morris- Lawyer at Legal ClosingWow! There is no sign of a bottom in the endless Dog Crate Condo Crash which we may upgrade from Crash to Catastrophe. Power of Sales for all types of Ontario Homes are heading for a Hockey Stick GraphAnd Mark's amazing adventures in China, a country he has been visiting & doing business in for years Support the show

Send us Fan MailRoad To DestructionSpecial Guest Jon Flynn - Broker of Record at Flynn Real Estate Inc., BrokerageHow did we go so wrong in Canadian Real Estate. Let's go back to the beginning back 20 years & check the progression of Real Estate  twists & turns with a 20 year Ontario RE Broker & Social Media Influencer Jon FlynnHow did it all go wrong in OntarioSupport the show

Send us Fan MailGrowing Alternative LendingSpecial Guest Sebastien Kuperhause - VP of Sales Ontario at Sequence CapitalPossibly the biggest change in the Mortgage business in the last 10 years has been the explosive growth of Private Credit: Private Mortgage LendingWhy so much bigger, who is it helping, what's the future of it. My conversation with Sebastian KuperhauseSupport the show

Send us Fan MailHow It HappenedSpecial Guest Sabrina Maddeaux- Columnist, Co-Host of The Missing Middle Podcast and Director of Communications at Global Public AffairsCanada's House Prices are still Batshit Crazy High but how did we get here. Even though Prices are falling in some regions will they ever get to a rational level? And why did we end up building so many Dog Crate Hellscapes? Why did Planners & City Governments let it happenWe have the answers on this week's PodcastSupport the show

Send us Fan MailSpecial Guest AlexWe know money is flowing out of Canada but are Canadian looking to leave? Has Alberta Real Estate REALLY cooled down (Edmonton excluded) What's up in the BC Interior? Lots to talk about in this Pod Support the show

Send us Fan MailLet's Hear From The OppositionSpecial Guest Adam Chambers, Conservative Member of Parliament for Simcoe North, OntarioLet's talk to an MP who has been in Ottawa watching the Liberal Government's approach to Government: what's happened, what's likely going to happen & what the results have been so farRon's got some thoughts as well!Support the show

Send us Fan MailAre Some People In Trouble?Very Special Guest David ChiltonBestselling Author of "The Wealthy Barber" and Former Dragon on "Dragons' Den"David is the most famous Canadians in Personal Finance that I know, he has a New Updated Version of his Mega Seller the Wealthy Barber available nowWe talk about, Real Estate, Housing, personal finance & too much temptation based on Ultra Available Credit And how will Canada weather the coming Financial Storm Support the show

Send us Fan MailDid Tiff Say Too MuchAfter announcing the 25 BPS Cut Bank of Canada Governor Tiff Macklem decided to tell everyone that was the last cut he is thinking about doingWhich sent Government of Canada Bond Yield soaring & possibly pushing Fixed Mortgage Rates UPTiff, when will you learn to just shut up about the Future: Remember how "Rates will be low for long" worked out, just say we will continue to monitor the EconomyAlso on the Show US 30 Yr Mortgage ProductsShould Canadians Switch to Variable What will happen to House Prices Support the show

Send us Fan MailPlanning Dept. SillinessSpecial Guest Ian Jones- President and Founder of BGI GroupA return visit from the voice of reason in Development WorldWhat's changes happened that may help. Why it's still a 4 Year Adventure to get a Development Approval. What some Cities do wrong, what some smaller centres do right & how Ian's Joy Concept can deliver elder wellness living at 50% off the normal rents Support the show

Send us Fan MailWhat's Wrong With People?Special Guest Samantha Power- Mortgage Agent at Mortgages with Samantha PowerWe talk Price Decline Problems, First Time Home Buyers, Appraisal Fails, What went wrong in 2021 & the complete foolishness of some TikTok & Instagram Mortgage BrokersWhat are they trying to pull? And why its so wrong Support the show

Send us Fan MailSpecial Guest Nick Hill- Mortgage Broker and Podcast HostWhat's going on in the Investment Real Estate World Today? For a decade it was on FIRE. Today the fire is outHow bad is it now? Is there anyone still investing? How did it all go so wrong?And are there regions of Canada where it still works? Nick & Ron get to the bottom of it Support the show

Send us Fan MailFacts About Housing, Mortgages & Future Trends with Special GuestScott PeckfordScott is the Founder of one of the fastest growing Mortgage Brokerages in Canada- BRX Mortgage Inc.We talk about current trends: the profound competitiveness of Mortgage Rates todayThe Big Problem of Homeownership for Young Canadians & much more Support the show

Send us Fan MailWhat's Going OnSpecial Guest: Steve Saretsky- Ace RE Agent, RE Specialist at Saretsky Group and host of The Loonie Hour podcast Vancouver, Calgary let's break down the RE landscapeWhat's next for Canadian Real Estate? More Condo Chaos?  Residential Construction Collapse?  Will the coming Federal Budget make the Money Printer go BRRRR? Where will that lead? More Inflation? Could QE reappear?Lots to cover Support the show

Send us Fan Mail We dive into the aftermath of the Bank of Canada Decision: what's the right approach Fixed or Variable, how to evaluate the Risks & Rewards. How to understand which discount from Prime is acceptable & how to compare with Fixed?And how does Variable really work, do different banks do different things?This and a lot more on this pure Mortgage PodSupport the show

Send us Fan MailNOT A Great InvestmentSPECIAL GUEST: Jason Pereira- Senior Partner and Financial Planner at Woodgate Financial Inc.Jason is the perfect person to discuss the absolute disaster many Real Estate Investors face today. Because Jason has spent 10 years doing the math to explain to his Investment Advisory Clients that they were taking senseless risks buying cash flow negative Real EstateWe explore all the things that went wrongSupport the show

Send us Fan MailRon & Sacha run through all the Issues in Mortgages today & there's A LOT Horrible Real Estate Agent Advice Huge Application Processing BacklogsSurge in First Time BuyersWhich Mortgage to take? Fixed or VariableSurge in Foreclosures  /  Power Of Sales YIKESWhat's the future of House Prices In Ontario Support the show

Send us Fan MailGovernment Is NutsMy Special Guest J.P. Boutros- Principal at Citius ConsultantsJP is a Transit Project Insider who saw the abject insanity Transit from a top-down view. Why is virtually every Transit Project undertaken by Ontario & City Governments a spectacular failure? Crosstown LRT that can NEVER be given a completion date. The Hurontario LRT in Peel that is endlessly delayedLet's find out why every Transit Project is a disaster Support the show

Send us Fan MailBad Brokers Out ThereSPECIAL GUEST: Julian Renaud- Lawyer at Renaud LawLet's dig into to the small number of Bad Mortgage Brokers & evil Mortgage Corps The Rip-Off Off Artists, the people who only want to take advantage of Borrowers. The small number of Bad Actors who should be exposedJulian is a hero for going after these guys Support the show