Keys and Capital

Mortgage arrears are climbing in Canada.Toronto homeowners missing payments have quadrupled in three years.Power-of-sale listings are rising across Ontario.And millions of Canadians are renewing their mortgages at significantly higher rates.So what’s really happening?In this episode, I break down the actual data behind the headlines and explain where mortgage stress is building, why Toronto and Vancouver are showing the most pressure, and what would need to happen for this to turn into something more serious.We’ll cover:• Why arrears are rising• How the renewal wave is already impacting households• What power-of-sale listings really signal• Where the real risk is concentrated• What I’m watching next in the Canadian housing marketIf you have a mortgage renewal coming up or want clarity on where the market stands, this episode will give you the full picture without panic or hype.If you’d like a second opinion on your mortgage strategy, book a call here:👉 https://chatwithjonah.com/

Toronto’s condo market just hit its lowest sales levels in decades, and headlines are everywhere claiming the Bank of Canada compared the market to a Ponzi structure.But what did they actually mean?In this episode, I break down what’s really happening in the Toronto condo market using real data, not headlines. We’ll walk through why condo sales have collapsed, why developers are cancelling projects, and how rising interest rates changed the entire investment math behind pre-construction condos.More importantly, I explain what the Bank of Canada is actually warning about and why this isn’t just a real estate story. It’s a financing story that affects investors, homeowners, and anyone with a mortgage renewal coming up over the next few years.In this episode:Why Toronto condo sales fell to the lowest level since 1991How the pre-construction model relied heavily on investor demandWhat rising rates did to condo investment returnsWho is most exposed in today’s marketWhat I’m watching next in the Toronto housing marketIf you own property, invest in real estate, or want to understand where the market is heading, this episode will give you a clear and grounded perspective without the noise.