Mortgage 101 with Clinton Wilkins

Clinton Wilkins and Dan Ahlstrand discuss the process of working with a mortgage broker, emphasizing the importance of pre-approval and the role of realtors.

Dan Ahlstrand and Clinton Wilkins discuss the potential impact of U.S. Canada trade tensions on Canadian mortgage rates, with Bank of Montreal suggesting rate cuts might be necessary.

Dan Ahlstrand and Clinton Wilkins discuss the evolving landscape of mortgage lending.

Dan Ahlstrand and Clinton Wilkins discuss the current mortgage rate environment, emphasizing the importance of celebrating Pride Month.

Clinton Wilkins and Dan Ahlstrand welcome on Blair Patterson to highlight the importance of community and security for the LGBTQ+ community.

Clinton Wilkins and Dan Ahlstrand welcome Blair Patterson to discuss the importance of community involvement and the challenges faced by the LGBTQ+ community in home ownership.

Clinton Wilkins and Dan Ahlstrand discuss Rogers' decision to shut down six radio stations, including their own in Halifax while reflecting on the evolution of their Mortgage 101 show.

Clinton Wilkins and Dan Ahlstrand discuss the importance of early conversations with mortgage brokers.

Clinton Wilkins and Dan Ahlstrand discuss the current real estate market with realtor Megan Landry.

Dan Ahlstrand and Clinton Wilkins discuss the Canadian mortgage market and real estate trends. 

Dan Ahlstrand and Clinton Wilkins discuss how The Bank of Canada has kept its key overnight rate steady, which has no immediate impact on variable rate mortgages.

Dan Ahlstrand and Clinton Wilkins discuss the impact of weather and market uncertainty on the real estate market, noting a softer-than-anticipated spring season.

Dan Ahlstrand and Clinton Wilkins discussed an upcoming event on May 24 focusing on reverse mortgages. 

Dan Ahlstrand and Clinton Wilkins discuss reverse mortgages with special guest Trevor, highlighting common misconceptions and the benefits for seniors.

Clinton Wilkins and Dan Ahlstrand discuss reverse mortgages with Trevor Gordon from Home Equity Bank. They highlight the benefits of reverse mortgages for seniors.

Dan Ahlstrand and Clinton Wilkins discuss the impact of the Bank of Canada's decision to hold the key overnight rate steady on the Canadian real estate market.

Dan Ahlstrand and Clinton Wilkins discussed alternative lending, emphasizing that there are multiple mortgage products available. 

Dan Ahlstrand and Clinton Wilkins discussed how the Bank of Canada held its interest rate as anticipated amidst geopolitical tensions.

Dan Ahlstrand and Clinton Wilkins welcome Alex Lavender discuss the complexities of property tax assessment caps and their impact on homebuyers.

Dan Ahlstrand and Clinton Wilkins discuss the current housing market with mortgage broker Alex Lavender. 

Clinton Wilkins and Dan Ahlstrand break down why more homebuyers are choosing variable-rate mortgages this spring, exploring rate volatility, inflation pressures, and how to match mortgage strategy with risk tolerance.

Clinton Wilkins and Dan Ahlstrand discuss the importance of hiring professionals for home renovations and obtaining a pre-approval for mortgages.

Clinton Wilkins and Dan Ahlstrand discuss strategies for selling a home in the spring market, emphasizing the importance of staging.

Dan Ahlstrand and Clinton Wilkins discussed how the Bank of Canada maintained its key interest rate at 2.25%, reflecting economic uncertainties.

Clinton Wilkins and Dan Ahlstrand discuss the busy spring real estate market with guest Alex Tremblay from Century 21 Optimum.

Dan Ahlstrand and Clinton Wilkins discuss the upcoming spring housing market, noting it as the busiest time of year.

Dan Ahlstrand and Clinton Wilkins discuss the concept of "loving your home" and provide advice on home ownership at different life stages.

Dan Ahlstrand and Clinton Wilkins welcome on Derek Sonnichsen from MDW Law to discuss on protecting yourself during divorces, especially regarding property division.

Dan Ahlstrand and Clinton Wilkins welcome on Derek Sonnichsen from MDW Law to discuss the importance of having open discussions about money and debts before entering into a relationship.

Dan Ahlstrand and Clinton Wilkins discuss the new Nova Scotia first-time homebuyers program, which reduces the required down payment from 5% to 2%.

Dan Ahlstrand and Clinton Wilkins discuss refinancing mortgages, emphasizing the importance of understanding the process and considering it when a mortgage comes up for renewal.

The Bank of Canada has decided to keep its key interest rate at 2.25%, a move that aligns with economic projections and expectations.

Clinton Wilkins and Dan Ahlstrand welcome Tina Powell to discuss the misconceptions surrounding bankruptcy and consumer proposals.

Mortgage 101 with Clinton Wilkins is back for 2026. As heard on CityNews, this show is a weekly podcast where the guys discuss everything there is to know about getting a mortgage, as well as answering listener phone-in questions.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Dan Ahlstrand and Clinton Wilkins welcome guest Tina Powell, a licensed insolvency trustee from MMP, to discuss the current state of consumer insolvency in Nova Scotia.

Dan Ahlstrand and Clinton Wilkins discuss Merry Debtmas, urging consumers to review their finances and consider refinancing to lower borrowing costs.

Dan Ahlstrand and Clinton Wilkins discuss the value of mortgage brokers, emphasizing their ability to offer a wide range of lenders and products, unlike banks with guest Adrian Schulz.

Dan Ahlstrand and Clinton Wilkins welcome Mario Cloutier from Manulife to explain the importance of mortgage protection, noting that 83% of Canadians are underinsured. 

Dan Ahlstrand and Clinton Wilkins welcome Jim Spitalli, COO of Sagen, to explain how Sagen provides mortgage insurance for those with less than 20% down payment, allowing them to enter the market sooner.

Dan Ahlstrand and Clinton Wilkins discussed the need for Canadians to understand income, assets, and credit, especially amidst economic challenges like recession and high inflation.

Clinton Wilkins and Dan Ahlstrand discuss the importance of financial literacy, focusing on assets. They highlight the significance of home ownership, noting that it's often the largest asset for Canadian families.

Dan Ahlstrand and Clinton Wilkins discuss credit scores and financial literacy, emphasizing the importance of understanding credit usage and management.

Clinton Wilkins and Dan Ahlstrand discuss the impact of self-employment on income and mortgage qualification.

Dan Ahlstrand and Clinton Wilkins discuss the importance of financial literacy, especially during Financial Literacy Month. They emphasize the need for education on credit, income, and assets, noting that schools often lack this instruction.

Clinton Wilkins and his team take to the streets to answer real questions from listeners about homeownership, saving for a down payment, and navigating the ever-changing mortgage landscape.

Clinton Wilkins and guests dive deep into the evolving landscape of mortgage lending in Canada. From the rise in mortgage fraud and the tightening of regulations to the increasing role of family support in helping first-time buyers.

In this special "Best of 2025" episode of Mortgage 101, Clinton Wilkins breaks down the year’s biggest trends in homeownership and mortgage lending. Clinton shares candid advice on the responsible use of home equity lines of credit, emphasizing the importance of not treating your home as an ATM.

Clinton Wilkins recaps this year by diving into topics like: Canadians facing renewals, the decision whether to refinance, consolidate debt, or just extend your amortization.

Clinton and Dan discuss financial literacy, mortgage rates, and housing market trends. They note that while other provinces like Ontario and BC see housing price declines, Atlantic Canada's property values rise by about 3% annually due to high demand. They highlight the affordability issues, with $29.40/hour needed to live in HRM, equating to around $60,000 annually. They also discuss the impact of new rental units on the market, predicting a rebalancing by 2026. The conversation underscores the need for early financial planning, especially for education and housing.

Clinton and Dan discuss the current state of the mortgage market, focusing on interest rates and home ownership. Clinton mentions a Bank of Montreal economist's projection of a 75 basis point reduction in the key overnight rate by early next year, which could lower mortgage rates to the 3% range. They debate the pros and cons of variable vs. fixed rates, with Clinton noting a shift towards variable rates. They also discuss the impact of rising rates on inflation and the potential for a 25 basis point cut in September.