All Episodes
Mortgagenomics Canada — 237 episodes
Do You Need a Lawyer for Your Mortgage?
Independent Legal Advice
Gifted Down Payments - are they allowed?
Co-Signer or Guarantor - What's the Difference?
Keep your place and rent it out.
Canadian Bond Yields Pointing to December Rate Hike
The Pre-Approval Variables Nobody Checks
Time in the Market will always Beat Timing the Market
Mortgage Renewal Showdown
Qualifying for a Mortgage after Bankruptcy
The BoC Held Rates — But Read the Fine Print
Income Gross-Up for Mortgage Qualification in Canada
Canada May Jobs Report 2026
How Middle East tension affects your mortgage rate
Property Transfer Tax & GST exemptions in BC and AB
5yr fixed rate - a stable play?
Why Mortgage Qualification Feels Like Being Put on Trial
The Canadian Mortgage Market Is Quietly Changing
Mortgage Problems Nobody Warns You About During a Divorce
The hidden calories in todays mortgage rates...
Resetting Your First-Time Buyer Status After a Separation
A mortgage that qualifies you based on your assets
A mortgage with a strategic maturity date - the US Presidential election date
What Happens If My New Condo Appraises Substantially Lower?
Hurry up when completing a mortgage application!
GST Rebate Now in Effect
BoC Holds Rates… But Pressure Is Building
Vancouver: A Temporary Population Dip… or a Setup for the Next Wave?
How to avoid payment shock at renewal time
Fixed mortgage rates on the rise in Canada, heads up!
The Quiet Shift Happening Inside Canadian Homes
When Two Buyer Profiles Collide
First Time Homebuyer - do it again!
What Banks look for when reviewing your Condo Documents
Making changes to your land title
Vancouver Condo Market 2025: Is Now the Time to Buy?
Strategic Entry Points for First-Time Home Buyers in Vancouver
Want to to fix Canada's affordability crisis? Make mortgage payments tax deductible!
2025 Fall Mortgagenomic Update
Understanding Mortgage Rate Holds
Optimizing Debt Servicing Ratios for Mortgage Qualification
Mortgage qualification for self employed applicants in Canada
Mortgage Renewal Payment Shock in Canada
Mortgage Stress Test in Canada
Mortgage Brokers in Canada Explained 🇨🇦
Converting your variable rate mortgage to a fixed term- how many actually do it?
Real Estate Closing Costs - banks want proof you can pay for them
Buying a Property from a Family Member with $0 down
Nothing burger from Bank of Canada
GST relief for first-time home buyers on new homes valued up to $1.5 million
First-Time Homebuyers: You're not just getting in, you're getting ahead.
Biweekly mortgage payments...does it really make an impact?
Anxious Optimism: What's Really Happening in Vancouver Real Estate?
Canada's aging population embraces the concept of Reverse Mortgages
Vancouver Pre-Sale Condo Market - good or bad?
Calgary Market Update with Joe Oulovsky
The Rise of Multiplex Housing in Metro Vancouver: What Homeowners Need to Know
Two Buyer Groups set to move Real Estate Markets in Western Canada
Vancouver Market Update with Andrew Way
Alberta and BC First Time Home Buyers- Essentials
My Condo is Worth Less Than What I Bought It For—Should I Be Concerned?
Vancouver Market Update with Andrew Way (Jan 18/25)
Interest Rates & New Mortgage Rules set to move markets in 2025
3-Month Interest vs. IRD: Understanding Mortgage Break Penalties
Vancouver Real Estate Update with Andrew Way
Calgary Market Update with Jimmy Olandesca
Mortgage Break Penalties
Vancouver Market Update with Andrew Way
Calgary Market Update with Jimmy Olandesca
Edmonton Market Update with John Milakovic
Canadian real estate market - buy now, or wait?
Conquering the Barriers of Self Employed Mortgage Qualification
Edmonton Market Update with John Milakovic
The perfect mortgage for Canadian seniors aged 65 and older
30 year Amortization Makes a Comeback in Canada's Mortgage Sector
Vancouver Market Update with Andrew Way
Canada finally stands up to dirty money – too little too late?
The final quarter of 2024 is near, what lies ahead?
The power of Joint Tenancy and Tenancy in Common, Canada's population, and Alberta's oil!
30 year amortizations for First Time Home Buyers & BOC Rate Announcement ahead!
Funding a Divorce Settlement with Mortgage Proceeds
Qualifying for a mortgage while moving to Alberta
Enhanced mortgage qualification rules for New Canadians
How to build your credit history if you are new to Canada?
Is your mortgage renewal keeping you up at night?
Buy now, or wait for interest rates to drop further?
Mortgage Qualification for Pre-Sale Condos - be careful.
Rate forecast pointing to variable rate mortgages and weaker Canadian dollar
Deep diving into Vancouver & Calgary from a real estate and mortgagenomic perspective
Survival Guide for First-Time Home Buyers in Canada
The key to qualifying for a single-family dwelling in Vancouver - the basement suite
I bet you didn't know this about the RRSP First Time Home Buyer Program
BC and Alberta are ramping up in more ways than one
Overlooked Mortgage Qualification Criteria
Maternity Leave, Child Support, and Canada Child Benefits - can you use them to qualify for a mortgage?
Interest Rates, Affordability, Zoning, and the 2026 FIFA World Cup!
Is your Mortgage Pre-Approval Optimized for Maximum Purchasing Power?
Interprovincial Mortgage Brokers
The Truth Behind Mortgage Pre-Approvals and Rate Guarantees
Mortgages, Real Estate, and Life in 2024
Mortgage Qualification Hacks for Self-Employed Applicants
Spouses with different residency statuses who want to purchase a home together
Foreign Buyer Tax, Prohibition Act, and Mortgage Qualification
What's the difference between a mortgage renewal and a mortgage refinance?
Does Switching Banks for Mortgage Renewal Cost Me Anything?
Financing conditions are due in 7 days!
The Power of "Addition by Subtraction" in Mortgage Qualification
Rock-bottom interest rates...how do you get one?
Mortgage Programs in Canada for Dentists, Veterinarians, and Optometrists who are in the process of or completing residency/fellowship
InTheNews-NoHike+RateDrop?+DealsImWorkingOn!
Is now the right time to choose a variable rate mortgage?
Mortgage Rate Holds: Banker or Mortgage Broker
Mortgage coming due?
Mortgage Programs in Canada for Doctors who are in the process of or completing residency/fellowship
What today's rising bond yields mean for your mortgage rates
Work Permit Holders and Homebuying: Can Gifted Money Cover Your Down Payment?
Inflationary Pressures and Mortgage Rates: How Canadians Can Prepare
From Business Owner to Homeowner: Self-Employed Mortgage Essentials
BOCAnnouncementRecap+WhatToDoGoingForward?
From the desk of a mortgage broker (Aug 28, 2023)
Does your residential property fulfill the lender’s eligibility criteria?
Time is Running Out: Repay Your CEBA Loan and Save with Mortgage Refinancing
The Second Home Mortgage
InTheNews- July12BofC+ BuildingIsExpensive+ AlbertaAffordability
Good Bye Vancouver, Hello Calgary!
The 5% Down Payment Mortgage
InTheNews- What the Bank of Canada doesn’t tell you
AvoidingForeclosure+LowRates+Leaseholds+FirstTimersInVancouver!
RefinanceMyMortgage?+RentVSBuy+SocialCrisis+RateHolds!
SubjectFreeWithConditions?+GoAlbertaGo+Porting+MortgagesForPresaleCondos
ImmigrationStats+BlackSwanSpringEvent+LiveDeals+MortgageOptionsForPensioners
Upcoming mortgage renewal have you stressed about payment shock?
Qualifying for an Investment Property Mortgage
Expanded Details of the Foreign Real Estate ban in Canada
Permanent Residents in Canada have 5 years to take advantage of this mortgage qualification program
If I had to pick a mortgage right now, it would be…
Can I use Part-Time Income to qualify for a mortgage?
How to reduce your mortgage payment in a rising interest rate environment
2 year Prohibition on the Purchase of Residential Property by Non-Canadians
What's all this talk about Calgary?
Mortgage Rate Holds
Options for variable rate mortgage holders with trigger rates and trigger points
Undecided about how to proceed with your mortgage renewal?
Temporary Residents, Mortgage Qualification, and Foreign Buyer Tax in Canada
What's it like qualifying for a mortgage in 2022, so far?
Increasing Rates, Fixed-Payment Variables and Maximizing your Income Qualification
Eligibility for Temporary Residents seeking a mortgage in Canada with less than 20% down payment
What is considered a proper mortgage pre approval?
Refinancing your home to purchase a rental property
Co-Signers, Guarantors, Joint Tenants, and Tenants in Common
Qualifying for a mortgage when relocating to another province
Your mortgage pre-approval doesn’t include leased land | 100,000’s of foreign nationals became Permanent Residents in Canada…see ya later foreign buyer tax! | wtf…rate’s didn’t go up?! | are variable rate mortgages a bad play right now?
Property Disclosure Statements | 10 random buyer profiles in Calgary & Vancouver real estate market | I think Prime Rate is going up on Jan 26 | Rate predictions for 2022
Mortgage Renewals | Politics & Onion Peeling | Whats worse? Rising interest rates or rising inflation? | Time to move to Calgary? | Interest Rate wrap up
BulletproofMortgagePreApprovals | Relax, you've been stress tested! | 122,748 New Canadians | City Hall & Pitchforks |
Mortgages for Self Employed | Let the recovery begin | Oil royalties are UP | Prime Rate stays same
Loan-to-value ratios mean everything | watch succession and yellowstone | list your home on thursdays | mortgage qualification = guilty until proven innocent | interest rates
Rental Property Mortgages | Investors flooding market? | Going long on rates | Real Estate & Currency
Cash Back Mortgages | Bank of Canada wavering on projected rate rise? | the ever expanding fixed-variable rate spread - its big | ditch general news, embrace sports and business news
Subprime Mortgages still around? | Canada + population density = Bahamas | BC is Canada's destination
Dealing with rising interest rates | Is affordability in Vancouver hopeless? | economic life without Alberta oil = not good
Buying a home while selling your current one | Canada set to increase mortgage rates in 2022 | current 5yr & VRM rates |
BC Provincial Nominee & mortgage qualification | 2bed rent is like $680k mortgage | New Zealand crushes real estate NIMBYs | BabyBoomers not for sale
How To Get the LOWEST possible PAYMENT | what does transitory inflation mean? | fixed or variable? | income required to buy a single family home in Vancouver and minimum downpayment? | the ultimate solution to Vancouver's affordability crisis
Fixed Variable rate mortgages, rising sea level = lower real estate price, Govt debt ceiling increase
8 Power Tips for First Time Home Buyers | $100k=$460kmortgage |RentvsBuy |InterProvincialMigration | BiddingWars
New To Canada mortgages | Liberal Party promises: tax flippers, ban foreign purchases, reduce down payment | Evergrande shrapnel Canada bound?
ModernMonetaryTheory=cheap money (and inflation!) | Minimum down payment on $1M homes
Co-Signers, Guarantors, Foreign Buyer Tax, Vancouver City Hall building fees addiction, & interest rates
Readvanceable Mortgages, 38 year olds set to rule the world, and shrinking global population
YVR set for another explosion, global warming, interest rates & why lenders need your T4?
Buyers market-but for a limited time, the Rule of 72, and what to do when the bank says NO?
Can a Temporary Resident qualify for a mortgage while working in Canada?
The Trudeau's and their place in financing history, and implications of adding someone to title during a mortgage refinance
5.25%, the 80's, banks making a crap load of $$, and buying another home with 5% down
June 1 stress test, easing of guidelines and 11th Hour Mortgage Qualification Collapses!
Multiple Real Estate Triggers, AB&BC GDPs, and tax deductible mortgages
Selling Real Estate to Family Members
High Net Worth Mortgage - increasing your borrowing power with your assets
Reverse Mortgages & Intergenerational Wealth Transfer
Are employment probationary periods deal killers?
More stress coming to the mortgage stress test on June 1?
Why April is a critical time for self employed applicants
Inter Family Real Estate Transactions & Gifted Equity
Immigration and Mortgages
Purchasing with no financing conditions...OMG!
Mortgage income qualification sources you probably weren’t aware of
Massive Mortgage Penalty?
Rent-to-Own Real Estate
Things you probably didn’t know about the RRSP First Time Home Buyer Plan
Fixed, Variable, HELOC, or all of the above?
Don't forget about the Closing Costs!
Construction Draw Mortgages
The 3 Principles of Highly Successful Mortgage Qualifications
Purchasing and Mortgaging a Property via an Assignment
Enhancement to Trudeau's First Time Home Buyer Incentive...game changer?
Can I move my current mortgage to the new house?
Insured, Insurable, or Uninsured mortgages?
How to qualify with a $100,000 income even though you only declared $65,000?
Bridge Financing - what, why & how?
Rates on the rise?...and downPAINment verification
Purchasing a property through a corporation
Divorces, Family Buyout, and Mortgages
Potential events that could increase mortgage rates
Credit Reports & Mortgage Qualification
The Canadian Mortgaging Experience
Mortgage qualification boosters you probably weren't aware of
The economic vaccine will have some mortgage in it
Should I be nervous about my home appraisal?
The SECRET to renewing your mortgage.
Why are mortgage rates going up!?
COVID19&Mortgages - deferring your mortgage payments
Mortgage Brokers...all the way.
_/ Stick handling your way out of a personal financial crisis
Marijuana, Real Estate & Mortgages
ElectionPromises, DownPayment Verification & NewMusic
First Time Home Buyer Incentive Program (FTHBI) - do you qualify?
Calgary Real Estate - Affordable & Opportunistic
Proving Your Income...for mortgage purposes
Some mortgages lock U up, even at maturity - does yours?
The quickest way to pay down your mortgage
Is your mortgage pre-approval legit?
My offer got accepted...now what?!
Mortgages and Rebates for First Time & Repeat Home Buyers
Cause & Effect of Canadian Mortgage Qualification
Who get's the best mortgage rates...and why?
Land title restrictions...that you may not be aware of
The science of determining your list price and the art of staging your home
Vancouver real estate...a perfect storm?
Canada's best kept financing secret
Who's buying in North Vancouver?
Calgary Real Estate spring market + Mortgage Minute
White Rock, South Surrey Real Estate Vibe and Mortgage Minutes
Squamish Real Estate and Posted Mortgage Rates
CalgaryMarket-TrappedEquity
policy, real estate, NIMBYISM, and mortgages
Are Calgary millennials giving up on home ownership?