The Canadian Mortgage Show

Send us Fan MailSchedule a call:http://www.calendly.com/alexpangmortgage Canada’s economy has leaned heavily on real estate for years, but what happens when housing can no longer carry the country?In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a wide-ranging week of Canadian economic news, including Kelowna’s exemption from BC short-term rental rules, ongoing uncertainty around DRIPA and First Nations policy, and the approval of Enbridge’s $4 billion Sunrise pipeline expansion.They also discuss why Canada’s dependence on real estate may be holding back long-term prosperity, how modular and manufactured housing could help address supply challenges, and why the “right kind of housing supply” matters more than simply building more units.The conversation also touches on Canada’s strong export numbers, AirAsia’s major order of Canadian-made Airbus A220 jets, immigration tracking, and the growing role of AI in customer service.It’s a practical and timely discussion about housing, policy, productivity, and the future direction of Canada’s economy.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan Mailhttp://www.calendly.com/alexpangmortgage In Episode 86 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down another strange week in Canadian real estate, mortgages, and the economy.The Bank of Canada is staying in “wait and see” mode, but with inflation pressure, oil prices, war risk, and a slowing economy all colliding at once, the big question is whether rates can really stay frozen for long. The hosts also dig into the GTA pre-sale market hitting historic lows, falling rents, rising rental vacancy, and why landlords and investors are starting to feel the pressure.They also cover a surprising 1% down payment home program in Manitoba, the risks and opportunities behind it, Canada’s proposed $25 billion sovereign wealth fund, political drama around floor crossing, Canada Post’s massive losses, Rogers layoffs, and the potential Real Broker and RE/MAX deal.From interest rates to housing supply, rental softness, job losses, and affordability experiments, this episode asks the real question: is Canada’s housing market simply cooling, or are we watching a bigger reset unfold?Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan Mailhttp://www.calendly.com/alexpangmortgageCanada’s housing market is shifting again, and this episode breaks down what buyers, homeowners, and investors need to understand right now.Alex Pang and Alex Shanks discuss the latest political shake-up in Ottawa, the temporary federal fuel tax suspension, slowing BC home sales, First Nations land claim uncertainty, BC’s latest credit downgrade, and how developers are getting creative as pre-sale demand cools.The biggest takeaway: new builds may start making sense again for some first-time buyers, especially when GST rebates, PTT exemptions, FHSA savings, and smart down payment planning are used properly.But there is a warning too. Borrowing your down payment through RRSP loans, lines of credit, or even vehicle refinancing can backfire fast if the debt servicing kills your mortgage qualification.In this episode:Why Canada’s new majority government matters for housingBC home sales, prices, and dollar volume slowing downWhy land claims and lender caution are becoming bigger issuesHow developers are using “try before you buy” incentivesThe new build GST rebate strategy for first-time buyersWhy borrowed down payments can reduce your buying powerThe danger of car debt, negative equity, and overleveragingDisclaimer: This content is for general information only and is not financial, legal, or mortgage advice. Speak with a qualified mortgage professional before making any real estate or financing decision.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailSchedule a callwww.calendly.com/alexpangmortgage In Episode 84 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down why Canada’s housing market still feels stuck despite a few signs of movement.They discuss Ontario’s $8.8B plan to cut municipal development charges, the HST rebate impact on new builds, why some developers may be pocketing the savings, and what this really means for buyers. They also look at weak GTA pricing, falling rents, the disappearance of the mom-and-pop investor, and why buyers in some markets finally have leverage again.On top of that, they dive into Canada’s broader economic picture, including job growth, capital flight, Nicola Wealth’s real estate issues, Canada Post restructuring, and whether government spending plans will actually improve the country’s long-term outlook.If you want honest Canadian real estate and economic commentary without the fluff, this episode is for you.Topics covered:Ontario housing incentivesGTA home sales and price trendsFalling rents across CanadaWhy investors are disappearingCanada’s capital exodus problemNicola Wealth and condo market stressCanada Post restructuringMark Carney’s infrastructure and spending plansSubscribe for weekly insights on mortgages, housing, and the Canadian economy.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailEpisode 83 of The Canadian Mortgage Show welcomes David Chilton, bestselling author of The Wealthy Barber and former Dragon’s Den investor.In this conversation, David joins Alex Pang and Alex Shanks to talk about why it feels harder than ever for young Canadians to get ahead. They break down the rising cost of living, the pressure of housing prices, why “pay yourself first” still matters, and how social media, credit, and AI are reshaping financial behavior.They also dig into whether renting can sometimes be smarter than buying, why Canada became too dependent on real estate, the future of trades versus white-collar work, and what needs to change if Canada wants more innovation, stronger business formation, and better opportunities for the next generation.If you care about mortgages, housing, personal finance, real estate, and the economic future of Canada, this is a must-watch episode.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailAJ Marini joins the show to argue that Canada’s housing problem is no longer just about supply. He says the deeper issue is cost: land, labor, materials, infrastructure, debt, and wages no longer line up. The episode also explores why condos and pre-construction are under pressure, how governments may be missing the real problem, and what AI could mean for jobs and business going forward.The conversation also expands into inflation, wages, consumer prices, government policy, and how AI could reshape jobs, productivity, and the broader economy.If you want a blunt discussion on Canadian real estate, the economy, and where things may be headed next, this is an episode worth watching.Topics covered:Why Canadian housing is still unaffordableWhy pre-construction and condo economics are under pressureDevelopment charges, subsidies, and government policyWhy wages are not keeping up with real living costsThe disconnect between inflation data and real lifeHow AI could impact jobs, business, and productivityWhy social media is changing real estate marketing#CanadianMortgageShow #CanadianRealEstate #HousingCrisis #CanadaHousing #MortgagePodcast #AJMarini #PreConstruction #CanadaEconomy #RealEstateCanada #housingaffordability Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailIn Episode 81 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down why mortgage rates in Canada moved higher again, why rate exceptions are disappearing, and why buyers should not rush into a purchase just to chase a temporary rate hold.They also unpack Ontario’s expanded HST rebate on new builds, why it likely will not move the needle on affordability, and what it means that Canadian home prices are now negative on a five-year basis for the first time since the 1990s.Beyond housing, this episode looks at federal job cuts, failures in Canada’s international student program, youth unemployment pressure, possible OAS reform, consumer weakness showing up at Dollarama, and why LNG, mining, and major resource projects may be one of Canada’s clearest paths back to growth.They also discuss Chinese EV competition, why North American automakers are struggling in the EV race, and what all of this says about the Canadian economy right now.Topics covered:Mortgage rates rising again in CanadaFixed and variable pricing moving higherWhy rate holds should not force panic buyingOntario’s HST rebate for new homesCanadian home prices negative on a 5-year basisWhy refinancing and switching lenders is getting harderFederal layoffs and weak consumer sentimentImmigration policy failures and youth joblessnessOAS reform and Canada’s deficit problemLNG, mining, and productivity in BCBYD, Lotus, and the Chinese EV threat#CanadaHousing #MortgageRates #CanadianRealEstate #CanadaEconomy #HousingMarket #InterestRates #CanadianMortgagesPodcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailThe Bank of Canada held rates again, but that does not mean Canadians are in the clear.In Episode 80 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down why fixed mortgage rates are moving higher anyway, how bond yields and oil prices are changing the outlook, and why the war-driven spike in gas prices could keep pressure on inflation.They also dig into major Canadian trends that matter right now:falling inflation and weak economic datashrinking mortgage discounts from lenderstipping culture backlash in Canadapopulation decline for the first time in decadesGST rebate confusion for first-time home buyersBC’s PST clarification on commercial real estateBC’s credit downgrade and what it could signalCanada’s drop in world happiness rankingsIf you’re buying, refinancing, locking in, or just trying to understand where Canadian rates may go next, this episode gives you the context you need.Topics covered:Canadian mortgage rates, Bank of Canada, fixed vs variable, bond yields, inflation, gas prices, real estate market Canada, first-time home buyer GST rebate, BC housing, Canadian economy#CanadianMortgageShow #MortgageRates #BankOfCanada #CanadaHousing #FixedRates #RealEstateCanadaPodcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s mortgage market just got hit with another major warning sign.In this episode, Alex Pang and Alex Shanks break down the recent spike in bond yields, why fixed mortgage rates may rise again, and how geopolitical tensions are creating a new inflation risk for Canadians. They also discuss why the Bank of Canada may be stuck, the condo appraisal problem, the new GST rebate update for first-time buyers, capped NSF fees, retirement affordability, and fraud issues inside the mortgage industry.Topics include:Bond yields spiking above 3%Why fixed mortgage rates could move higherHow oil and inflation are changing the rate outlookWhy the Bank of Canada may be trappedFirst-time buyer GST rebate updateCondo blanket appraisals under scrutinyNSF fees now capped in CanadaWhy Canadians think they need millions to retireSubprime lender defaults risingMortgage fraud crackdowns in OntarioWhat this all means for housing, lending, and affordabilityIf you’re a homeowner, buyer, investor, or just trying to understand where rates and real estate are headed in Canada, this episode is for you.Subscribe for weekly Canadian mortgage and housing insights.#CanadaMortgage #MortgageRates #BankOfCanada #CanadianRealEstate #HousingMarket #BondYields #InterestRates #Inflation #FirstTimeHomeBuyer #CanadianMortgageShowPodcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailWhat should Canadians do with their money when markets are shaky, real estate feels uncertain, and global conflict is driving fear?In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks are joined by senior financial planner Scott Grant to break down how Canadians should think about investing, emergency funds, inheritance, real estate, DIY trading, and estate planning in uncertain times.  This conversation covers:how war and global instability affect marketswhy staying calm matters when everyone else is panickingemergency funds and why they matter more than everwhether real estate still makes sense as an investmentwhat to do with a $100,000 lump sumwhy compound interest still winsthe dangers of DIY investing and day tradingTFSA and RRSP mistakes people makeestate planning, trusts, probate, and adding kids to titleIf you’re trying to make smarter financial decisions in Canada, this episode gives you practical perspective without the hype.Subscribe for more Canadian mortgage, real estate, and money conversations.

Send us Fan MailEpisode 77 is a wide-ranging update on Canada’s economy, housing, and mortgage rates — with real talk on what the latest data could mean for buyers, homeowners, and renewals.We cover:Canada’s Q4 GDP contraction and what it signals for growthGTA new home sales: only 268 sold in January — the lowest since 1981Why fixed mortgage rates have been “leaking lower” (and how to think about locking in)National Bank: housing affordability improved for 8 straight quarters, but the market is still toughCanada’s housing downturn: steepest among major economiesEquifax: incomes up 76% since 2004, but entry-level home prices up 265%Jobs & payroll: no year-over-year payroll employment increase + public sector cutbacksLoblaws expansions, automation, and what it says about jobs + consumer spendingBanks posting healthy profits — and why credit card interest is a bigger issue than most people admitThe difference between being “qualified” vs actually being financially comfortable owning a homeNeed mortgage advice?We’re mortgage brokers and we focus on strategy — not just approvals. Reach out for a review of your renewal, purchase plan, or refinance options.👍 Like, subscribe, and comment your situation (buying / renewing / refinancing) and what city you’re in.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s inflation headline is cooling—but food inflation is still scorching at 7.3% (highest in the G7), and that changes everything. In Episode 76, Alex Pang and Alex Shanks break down why grocery prices stay elevated, how Canada’s oligopolies shape affordability, and what this means for interest rates, housing, and renters.We also cover:Vancouver benchmark prices down 10 straight monthsRental market shifts and falling asking rentsDevelopers using “price protection” to revive presalesJob market stress: longer time to find workDemographics: more seniors than kids in TorontoMortgage industry news: RFA going publicGovernment “grocery benefits” vs fixing the root problem👍 Like, subscribe, and share to support the show.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailIn Episode 75 of The Canadian Mortgage Show, we break down new Abacus Data polling that reveals a powerful shift in how Canadians feel about housing.The desire to own a home is still strong — 70% say they want to own someday. But confidence is collapsing. Only 29% of non-homeowners believe they will ever actually buy one.We unpack:• Why housing has become a crisis of confidence• Who Canadians blame for affordability issues• Whether government policies match the scale of the problem• Development charges and their impact on home prices• Why market housing affordability matters more than everWe also touch on how interest rates, immigration, infrastructure delays, and government programs have shaped today’s reality.This isn’t just opinion. It’s what Canadians themselves are saying.If you’re a first-time buyer, investor, renter, or homeowner — this episode matters.🎙 Hosted by Alex Pang & Alex Shanks📊 Real data. Real conversation. No fluff.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailIn Episode 74 of The Canadian Mortgage Show, we break down why several major banks are forecasting interest rate hikes by 2026 — despite economic data pointing in the opposite direction.We unpack:Why RBC, Scotia, and National Bank expect higher ratesWhy bond yields, job losses, and weak growth don’t support that viewVancouver and Toronto home sales sliding sharplyRising mortgage delinquencies in the GTANova Scotia’s new 2% down payment pilot for first-time buyersThe collapse of house flipping and real estate speculationBMO’s regulatory fine and growing white-collar enforcementEV mandates scrapped and what it means for Canada’s auto sectorIf you’re on a variable mortgage, thinking about locking in, or waiting to buy, this episode explains what actually matters — and what’s just noise.📌 Nothing here is black and white. The risk today isn’t what banks are saying — it’s what they’re missing.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s economy is sending mixed — and increasingly worrying — signals.In Episode 73 of The Canadian Mortgage Show, we break down why the Bank of Canada held interest rates at 2.25%, why GDP growth is fading, and why economists are quietly preparing for possible rate cuts later this year.We cover:Why holding rates doesn’t mean the economy is healthyRising layoffs in manufacturing and auto sectorsHow AI-driven job cuts (including 45,000 roles globally) could impact consumersWhy housing affordability remains stuck despite “neutral” ratesWhat Canada must fix internally to avoid long-term stagnationThis episode isn’t about panic — it’s about reading the signals early.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s housing market looks calm on the surface — but underneath, pressure is quietly building.In Episode 72 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down the real data behind falling home prices, collapsing condo development, rising household debt, and why affordability still isn’t improving for most Canadians.They cover:Why new condo construction is drying up across the GTA and Metro VancouverThe truth about mortgage renewal shock and why it wasn’t as bad as predictedWhy renting vs buying isn’t as simple as the math suggestsHow rising vacancy rates could change rents in 2026Why Canada likely won’t allow a U.S.-style housing crashWhat open banking could mean for mortgages, lending, and consumer powerThe hidden risks inside real estate investment fundsHow lifestyle inflation quietly traps high-income earnersThis episode isn’t about hype or fear — it’s about understanding where the Canadian housing market is actually heading and how to make smarter decisions in an uncertain economy.🎧 Listen on Spotify & Apple Podcasts📊 Watch the charts on YouTube📩 Subscribe for weekly Canadian housing insightsPodcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s housing market is cooling — but affordability isn’t improving.In this episode, we break down falling home prices, rising household debt, stagnant wages, and why everyday life still feels harder for Canadians.#canada Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s economy is sending warning signals — and most people are missing them.In Episode 70 of The Canadian Mortgage Show, we break down:• Why unemployment jumped faster than expected• Four straight years of falling home prices in Toronto• Restaurant closures accelerating across Canada• Why rate cuts may still be far away• The growing gap between Canada and the U.S. economyWe also dive into:• Immigration policy reversals• The hidden problem behind part-time job growth• Why Canada’s industrial base is shrinking• What falling BC Assessments really mean for homeownersIf you’re a homeowner, buyer, renter, or investor — this episode matters.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/#canada #mortgage

Send us Fan MailHappy New Year — and welcome to Episode 69 of The Canadian Mortgage Show. This is our first episode of 2026, and we brought in Hasan Juma (Realtor, Oakwyn Realty) as a guest host to weigh in on the biggest stories shaping Canadian housing right now. EP 69In this episode we cover:Canada considering changes when the foreign buyer ban expires in 2027 (and whether foreign money would even come back) EP 69The rent affordability crisis — including renters spending 50%+ (and even 70%+) of net income on rent EP 69Greater Toronto prices down ~26% from peak and what that implies for other markets EP 69BC land claims and the real-world impact: buyer fear, deals collapsing, and lenders pulling back EP 69Our 2026 forecast: sales activity, pricing pressure by product type, and what rates might do next EP 69If you’re buying, selling, renewing, or just trying to understand what’s real vs headlines — this one’s for you.

Send us Fan MailCanada’s inflation held at 2.2%—but coffee is up 33% and groceries are still squeezing households. We break down whether this is true inflation or price gouging in a market dominated by a few major players.On housing: November sales dipped, fixed rates have stayed stubborn, and banks are now shrinking variable-rate discounts—a signal worth paying attention to. We also talk about where different regions sit from peak prices, and why inflation-adjusted home values are trending back toward 2017 levels.Plus: vacancy rates rising in BC (hello renters’ market), job-market pressure building (and why trades may be the next wealth path), Ford’s EV pivot, and the latest on BC land-title financing concerns.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailBank of Canada held the policy rate at 2.25%—but bond yields jumped and 5-year fixed rates climbed back above 4%. We break down why the latest “strong” jobs data may be seasonal noise (part-time youth jobs + people stopping the job search), what that means for variable vs fixed, and why fear-based mortgage advice is dangerous. Plus: falling rents, rising insolvencies, massive Toronto development charges, foreign capital talk, and a warning for anyone trying to “flip” presales in 2026. Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s unemployment rate just fell to 6.5% and 54,000 jobs were “added” — but does it actually feel like the economy is improving? In this episode, Alex & Alex break down why they’re calling it Overreaction Friday. They dig into the bond market’s response, what a third of Canadian mortgages renewing in 2026 really means for homeowners, falling condo prices in Vancouver and Toronto, rent trends across Canada, and why more developers are going into creditor protection.They also cover public sector downsizing, the permanent closure of a major BC pulp mill, Canada’s first free grocery store in Saskatchewan, and the latest mergers in the banking world (EQ Bank, PC Financial, B2B Bank, Fairstone). If you’re trying to make sense of scary headlines without falling for clickbait, this one’s for you.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailIn episode 65, Alex Pang & Alex Shanks break down the “historic” Alberta–Canada energy agreement, what it actually means for jobs, pipelines and BC, and why Canada keeps pushing investment and talent out of the country. They dig into Nutrien choosing a US port over BC, Nokia’s subsidized Ottawa campus, the Stellantis mess, and why we’re not in a housing crisis so much as a long-running income crisis. The guys finish with the latest on land claims in BC and what that could mean for current and future homeowners.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanadian mortgage delinquency is just 0.23%… but credit cards, HELOCs, Canada Post, Bell, and even developers are cracking under the pressure. In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down what’s REALLY going on behind the “stable” mortgage numbers.We cover:CMHC data: Housing starts down 17% and why the promise of 500,000 new homes was never realistic.Delinquencies: Why Canadian mortgage and HELOC delinquencies are tiny compared to the U.S., but credit cards and lines of credit are quietly surging.Banks vs Brokers: Big 6 banks are suddenly SUPER competitive on renewals – and how brokers can still use that to your advantage.Affordability crisis: Mortgage payments now exceed 50% of after-tax income in every Ontario urban centre – and hit 112% in Vancouver and 110% in Toronto.Purpose-built rentals vs presales: Why developers are converting unsold presale condos into rentals and what that means for renters, investors, and first-time buyers.Oligopolies & productivity: How telecom, food, and banking oligopolies trap Canada in a “low productivity” loop – and why that matters for rates and housing.Developers under stress: Project cancellations, conversions to rentals, and big names like Westbank showing cracks.Job losses: Canada Post effectively insolvent and cutting 30,000 jobs, Bell laying off 700 more – and how that feeds into recession risk and rate cuts.Immigration & brain drain: Highly skilled immigrants are starting to leave Canada for better pay and opportunity elsewhere.Wild true crime closer: A former Canadian Olympic snowboarder turned alleged cartel-linked drug kingpin now on the FBI’s Top 10 list.If you’re a homeowner, first-time buyer, investor, or just trying to survive this economy, this episode will help you see the bigger picture and make smarter moves with your mortgage, your debt, and your future in Canada.📩 Need mortgage advice or renewal help?Reach out to Alex & Alex through the links in the description / show notes.👍 Like, subscribe, and share this episode with someone stressing about housing or debt in Canada.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada just dodged a technical recession—but did the Blue Jays’ World Series run actually help save Ontario’s economy? In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down the latest jobs data, inflation numbers, interest rate forecasts, insolvency news, and even U.S. talk of 50-year mortgages.They also cover developer failures in B.C., First Nations land claim impacts on financing in Richmond and Ontario, Questrade’s move into banking, Home Trust’s return to “A” lending, and why Canadians are financing everything from phones to concert tickets.In this episode:October jobs report & 6.9% unemploymentInflation easing and what it means for Bank of Canada rate cutsWhy Scotiabank thinks rates could rise again in 2026How Blue Jays mania and Taylor Swift concerts show up in spending dataCreative accounting in the federal budget and PBO pushbackQuestrade’s new bank & Home Trust re-entering prime lendingLand claims in Richmond & Ontario and what lenders are actually doingB.C. developer Square Nine’s insolvency & presale risksU.S. 50-year mortgage talk and if that’s coming herePodcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailIn this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a packed week of news that directly affects Canadian homeowners, buyers, and investors.We start with the new federal budget: a $78B deficit, capital spending framed as “generational investments,” and big ticket items like $25B for housing, $30B for defense, and $115B for infrastructure—but almost no direct bailout for housing. What does that mean for interest rates, jobs, and home prices over the next few years?Then we dig into:Plans to cut public service positions by ~40,000, trimming federal headcount from about 368,000 down to 330,000. A new “productivity super deduction” that could let companies write off capital investments faster and potentially attract more business investment and jobs into Canada. Major immigration and student visa changes, including a plan to drastically reduce new temporary residents and the ripple effects on student rentals and investor strategies. The second half of the episode goes deep on the Richmond First Nations land claim and what it could mean for property rights across BC and beyond. We talk about:A Richmond homeowner being told their mortgage won’t be renewed because of the claim. A councillor saying a bank pulled $100M in financing on a project due to title uncertainty. Legal experts warning that, after the Cowichan ruling, Aboriginal title can trump fee simple title and that 95% of BC land is under some form of claim.We close with practical takeaways for diversifying your wealth beyond just your home, what to watch for as these court cases unfold, and why “no news” in the budget for housing is actually a very big story.Timestamps & chapters below. Don’t forget to like, subscribe, and drop your questions in the comments—especially if you’re in BC or own in a land-claim area.

Send us Fan MailRates fell 0.25—but fixed didn’t budge. Richmond’s land-title fight spooked lenders. Condo sales tanking in the GTA. CRA pays a $4.99M refund automatically(?!). BC Hydro bans new crypto-mining hookups. We break down what actually affects your mortgage today, how variable vs fixed really works, and the real-world fallout if lenders refuse renewals on contested land.In this episode:• Variable vs Fixed: why only one moved after the cut• Adjustable vs fixed-payment variables (and how your payment changes)• When to lock your variable into a fixed (signal to watch: bond yields)• Richmond land claim → renewals, valuations, insurability• GTA condo freeze, Amazon job-cut chatter, Chinese EV tariffs talk• BC Hydro’s crypto/data-center limits & what that means for innovation• Ontario’s proposed HST relief for first-time buyers (what it actually saves)Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s economy is sending mixed signals—and mortgages, housing, and jobs are caught in the crossfire. Alex & Alex unpack September’s jobs print vs. unemployment, inflation ticking to ~2.4%, and what that means for the next Bank of Canada move. We also hit breaking headlines: the Ontario ad that sparked a Canada-US tariff spat, bank record profits alongside layoffs, Stellantis/GM shifts in auto manufacturing, and why “missing middle” construction is booming in Alberta but stalling in Toronto/Vancouver. Plus: CRA call-centre accuracy shockers, mortgage-fraud fines in the GTA, Richmond land-claim jitters in B.C., and global demographics—Poland’s tax break for bigger families vs. Japan’s hard line on immigration. Practical takeaways for buyers, owners, and investors in a market that feels different city to city. Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailBCREA Chief Economist Brendon Ogmundson joins Alex Pang and Alex Shanks to unpack the real state of BC housing: the surprising 2025 sales slowdown and rebound pockets, why pre-sales are struggling, and the capital problem behind our 600k-homes target. We dig into foreign-buyer rules (and the “Australia model”), REITs vs. rents, development charges and permitting bottlenecks, mass-timber/missing-middle solutions, and practical policy tweaks—like easing the stress-test buffer and giving buyers flexible amortizations. Brendon also shares a data-driven outlook on rates, prices, and regional divergence heading into 2026. If you work in real estate—or you’re trying to buy, hold, or build—this one is required listening. Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s housing story is shifting fast. We open on why thousands of new condos are sitting unsold in the Lower Mainland and what that means for pricing power, then dig into a surprising stat: in Ottawa, monthly ownership costs can now beat renting (yes, really). We also tackle what’s next for mortgage rates, why many landlords are dangling incentives, and how to use a refinance-then-buy strategy to upgrade in today’s buyer’s market—without blowing up your cash flow. Finally, we share real client case studies (wins and watch-outs) and a practical checklist you can use before you make your next move.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailCanada’s housing chessboard is shifting again. Alex & Alex break down OSFI’s proposed loan-to-income limits and why they could sideline small “mom-and-pop” investors while empowering institutions. They weigh amortization creep (30… 50 years?), collapsing pre-con condo sales, and why prices—not just rates—are driving affordability. Then they connect the dots between immigration policy whiplash (international student clampdowns, asylum spikes) and rents, jobs, and even mobile phone activations as a population proxy. Rants included: white-collar crime (trust account blowups, mortgage Ponzi-style schemes), CRA income-verification reform, and tariffs south of the border. It’s a jam-packed, candid update on what’s actually moving Canadian real estate, lending, and the broader economy.Key takeaways OSFI is floating rules that could block using personal income on 2nd/3rd rentals—tilting the field toward corporates.Affordability is being “fixed” by letting people borrow more/longer (30→50 years?), not by cheaper homes.Pre-con condo market is freezing; many projects are cash-flow negative without huge rent increases.International student curbs (e.g., Conestoga) show instant knock-on effects to local rents and jobs.Canada’s weak fraud enforcement + stalled CRA auto-verification keeps mortgage fraud too easy.

Send us Fan MailIn this episode, Alex Pang and Alex Shanks step away from the headlines to focus on mortgage renewal strategies that every Canadian homeowner should know. With record-low pandemic interest rates now expiring, many borrowers are facing renewal letters with much higher rates—and most simply sign without questioning.Alex and Alex share practical tips on how to avoid overpaying, from negotiating renewal offers and exploring refinancing options, to re-amortizing for cash-flow relief, leveraging insurable mortgages, and even advanced tax strategies like debt swaps, cash damming, and the Smith Maneuver. They also break down the fine print around prepayment privileges, cashback offers, HELOC laddering, and why not all “low rates” are created equal.Whether you’re a first-time buyer coming up on renewal or a seasoned homeowner trying to manage higher payments, this episode is packed with insights to help you protect your wallet and make smarter mortgage decisions.

Send us Fan MailCanada just cut rates by 0.25%—but what does that actually mean for your mortgage? Alex & Alex break down variable vs fixed (why your adjustable payment may drop ±$13 per $100k, and why fixed rates follow bond yields—not the overnight rate), plus the real-world timing on locking in as renewal offers in the high-3s start popping up. We also zoom out: GTA unemployment pushing toward 10%, rents easing nationally, August housing starts sliding, REIT redemption gates, and Ottawa’s latest “nation-building” announcements (from LNG to modular builds)… alongside a pause on the 2026 EV sales mandate. Clear, no-hype takeaways for homeowners, buyers, and investors navigating the reset.

Send us Fan MailIn this special episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks welcome Mayor Brad West of Port Coquitlam. Known for his straight-talking, community-first leadership, Brad shares his journey from being elected at 23 to becoming one of B.C.’s most outspoken mayors.We dive into the challenges facing municipalities today: the housing crisis, immigration pressures, white-collar crime, and the overreliance on real estate in B.C.’s economy. Mayor West opens up about authenticity in politics, lessons from community service, and why transparency matters more than ever. Plus, he gives us a behind-the-scenes look at upcoming events in Port Coquitlam, including the Terry Fox hometown celebration.If you care about housing, leadership, or the future of Canadian cities, this is a must-listen conversation.

Send us Fan MailIn Episode 53 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks dive into the latest developments shaping Canada’s economy and housing market. They break down Canada’s shrinking GDP, the impact of U.S. tariffs on exports, and what’s really behind rumors of a Bank of Canada rate cut. The conversation also covers affordability challenges, the debate over 50-year amortizations, the Toronto condo market slump, Ponzi scheme allegations in real estate development, and the effects of shifting immigration policy. Plus, they discuss Crown Royal’s bottling move, EV battery plant troubles, and what declining home sales mean for buyers.Social Linkshttps://www.instagram.com/canadianmortgageshow/

Send us Fan MailEpisode 52 marks the one-year anniversary of The Canadian Mortgage Show, hosted by Alex Pang and Alex Shanks. Over the past 12 months, the show has tackled the biggest questions in Canadian housing, finance, and economics—and this episode is no different.In this anniversary special, Alex and Alex reflect on their journey, the realities of running a podcast, and what lies ahead for Canada’s real estate market. They dive into:Canada’s housing starts and why the numbers don’t tell the whole storyThe growing gap in supply and demand—and why 3.2M new homes are neededThe collapse in pre-construction sales and what it means for developersCancelled listings and a sluggish resale marketThe looming mortgage renewal shock hitting Canadians in 2025–26Why youth unemployment and immigration pressures are reshaping the job marketBank of Canada’s evolving mandate and the politics behind affordabilityWith a mix of market analysis, policy critique, and some behind-the-scenes laughs, this episode captures both the serious challenges and human side of Canada’s housing conversation.If you’re invested in real estate, finance, or simply trying to make sense of Canada’s housing future, this episode is a must-listen.Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailIn Episode 51 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks break down the latest economic and housing updates shaping Canada’s financial landscape. From cooling inflation data and potential Bank of Canada rate cuts, to falling building permits and job losses across the country, the hosts highlight what these shifts mean for homeowners, investors, and everyday Canadians.They also dive into big news in the mortgage industry, including Brookfield’s $2.9B acquisition of First National, CIBC overtaking Scotiabank in market cap, and an Ontario brokerage scandal involving $8M in missing trust funds. Plus, expect real talk about Canada’s weak productivity, red tape in innovation, and how everyday Canadians can stay financially resilient.Whether you’re a homeowner, investor, or just trying to make sense of Canada’s economy, this episode gives you the insights you need to stay informed.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailIn this milestone 50th episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks unpack the latest economic, housing, and policy shifts shaping the Canadian market.They dive into U.S. inflation data, new tariffs from the U.S. and China, and how these pressures spill into Canadian retail sales and the weakening Loonie. The discussion highlights where Canadians are pulling back on spending, why real estate activity has slowed, and why more investors are looking to U.S. stocks.The hosts also cover:Canada’s record-breaking decline in house prices and which regions have been hit hardestStruggles in downtown condo and office markets as vacancy rates remain highCredit card market share trends, with RBC, TD, and Canadian Tire among the leadersDeveloper pushback against the foreign buyer ban, and the political challenges around lifting restrictionsA precedent-setting B.C. Supreme Court ruling on Aboriginal land claims and what it means for property rightsAlex’s “Pet Peeve” segment on why the mortgage industry should start recognizing crypto as a legitimate liquid assetPractical strategies for buyers and sellers in today’s market, including how to navigate upsizing, downsizing, and leveraging tools like reverse mortgagesWhether you’re a homeowner, investor, or just keeping an eye on the Canadian economy, this episode provides timely insights on where things stand—and where they could be heading.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailIn this episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks welcome Andrew Huang, Licensed Builder at Fairlands Custom Homes Ltd., for an in-depth look at the realities of building in Greater Vancouver and across BC. With over 20 years in the construction industry, Andrew shares his journey from working in commercial projects to specializing in custom homes, townhouses, and condo developments.They cover:The impact of BC’s stringent builder licensing and home warranty requirements.Why self-build financing has become harder and how banks assess projects.Long municipal permit delays and which areas are more “builder-friendly.”The rise of small-scale multi-unit housing (SSMUH) and its limitations.How rising labor, material, and development costs are shaping the market.Why smaller developers are struggling — and how bigger players are snapping up stalled projects.Lessons for homeowners on choosing the right builder and navigating the process from design to completion.From policy changes and market trends to personal stories from the job site, this episode offers valuable insight for homeowners, investors, real estate professionals, and anyone curious about BC’s housing market.Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

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Send us Fan MailIn this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks unpack the latest updates in Canada’s mortgage and housing market. They discuss why the Bank of Canada held rates steady, how looming tariffs could impact inflation, and where interest rates may be headed next.From analyzing the ideal “healthy” mortgage rate to debating fixed vs. variable strategies, the hosts share practical insights for homeowners, buyers, and investors. They also explore the current buyer’s market in BC, the slowdown in new home sales, and the long‑term outlook for Canadian real estate.Whether you’re renewing, buying your first home, or just following market trends, this episode gives you the tools to make informed decisions in today’s unpredictable housing market.Podcast Social Links:Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailJoin Alex Pang and Alex Shanks as they welcome special guest Marc Alteman from Altman Financial Inc. to Episode 47 of The Canadian Mortgage Show. Marc, a private mortgage broker with nearly 15 years of experience, specializes in connecting individuals with direct private mortgage lenders for real estate transactions. This episode demystifies private lending, explaining its role as a "last line of defense" in mortgage financing for those who can't qualify with traditional banks due to factors like low credit scores or urgent financing needs. Marc clarifies common misconceptions, highlighting how the industry has grown into a multi-billion dollar sector with increased regulation since 2018, building public trust.https://www.altemanfinancial.com/aboutPodcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Send us Fan MailThis week, we're honoured to host the remarkable Victoria Fung from Oakwyn Realty Northwest. Victoria isn't just a second-generation realtor with a decade of experience; she's a former professional Muay Thai fighter whose competitive spirit and disciplined approach now powerfully serve her clients, especially in the sensitive areas of divorce sales and downsizers.Tune in as Victoria shares how the resilience forged in the ring translates into real estate mastery, offering unparalleled insights into today's dynamic Canadian housing market. This isn't just about property; it's about strategy, strength, and securing your future.Here’s a quick look at what you’ll learn:Victoria Fung: From Muay Thai to Real Estate. Discover her unique journey and how fighting shaped her discipline.Applying a Fighter's Discipline to Market Challenges. How competitive spirit and stress management are vital in real estate.Current Market Trends: Jobs, Interest Rates & Buyer Behavior. Insights into economic factors influencing the housing market.Navigating Pre-Sales, New Builds, and Development Fees. Essential information on the challenges and costs in new construction.Real Estate as Investment vs. Lifestyle. A critical look at homeownership mindsets.Specializing in Divorce Sales. Victoria's unique expertise in helping clients through difficult transitions.Key Advice for Buyers and Sellers. Actionable strategies for success in today's market.Victoria Fung's IG

Send us Fan MailIn this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s broader economic landscape and its influence on the mortgage market. They tackle the strengthening Canadian dollar, the disruptive impact of AI on the job market and corporate layoffs, and the government's approach to budgeting. They also touch on the current state of real estate transactions and interest rates. Whether you’re in real estate or just curious about the market, this episode’s got clear talk, solid stats, and real insights.Here’s what you’ll get from this episode:The Canadian dollar's strengthening and implications for the economyThe disruptive impact of AI on jobs and why companies are downsizingHow government budgeting and spending influence the economic climate and real estate as an investmentCurrent perspectives on interest rates and real estate transactionsInsights into the broader economic trends affecting affordabilityFollow Our HostsAlex Pang - ‪@alexpangmortgage‬Alex Shanks - ‪@AlexMortgageManagement‬

Send us Fan MailIn this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s housing market—think struggling developers, growing mortgage fraud, affordability headaches, and government slip-ups. They also chat about job openings, youth unemployment, and which provinces are seeing home prices climb. Whether you’re in real estate or just curious about the market, this episode’s got clear talk, solid stats, and real insights.Here’s what you’ll get from this episode:Why developers like Rhys Heritage Properties are going bustWhat’s behind the rise in mortgage fraud across CanadaHow higher interest rates and slower immigration are hitting demandHard numbers: Which provinces are seeing home values rise or fallYouth unemployment struggles vs. job openings in smaller towns—what’s the deal?Follow Our HostsAlex Pang - ‪@alexpangmortgage‬ Alex Shanks - ‪@AlexMortgageManagement‬

Send us Fan MailIn this episode, Alex Pang and Alex Shanks break down offset mortgages—a financial tool that could help you save thousands in interest and pay off your mortgage years ahead of schedule. But it's not for everyone...Here’s what you’ll learn:What is an Offset Mortgage? How it works and how it compares to traditional mortgage + HELOC productsWho Should Consider This Strategy? Ideal profiles for maximizing this mortgage setupHow the Interest Really Works: Breaking down the mechanics of offsetting interest with your cash flowPros and Cons:Save thousands in interestPay off your mortgage fasterBUT: It only works if you’re disciplined with your spendingThe Best Offset Mortgage Products in Canada:Manulife OneNational Bank All-In-Onevs. Traditional setups like RBC Homeline, BMO Readiline, Scotia STEP, TD Flexline, CIBC Home Power PlanRed Flags: Why some people actually pay more over time despite using this setupFollow Our HostsAlex Pang Alex Shanks 

Send us Fan MailIn this episode, Alex Pang and Alex Shanks break down the storm clouds gathering over Canada’s real estate and economic future. From collapsing condo markets to historic debt levels and controversial government spending—this week pulls no punches.Here’s what you’ll learn:Condo Crisis: Why sales are down 75% in Toronto and 37% in Vancouver—and what it means for future housing supply$85B in Real Estate Loans: Why developers are borrowing more than ever from Canadian banksCancelled Projects Skyrocket: Pre-construction units going unsold and lenders pulling out—will your pre-sale survive?Record Debt, Record Risk: Household debt-to-income ratios and debt-to-GDP are at all-time highs4.8 Million Homes Needed: CMHC says Canada needs to double its homebuilding pace to restore affordabilityCanadians Crushed by Rent: Nearly 40% of renters spend half their income on rent, many waiting for prices or rates to dropCanada Sends $20B to Ukraine while banning gas vehicles by 2035—how does this sit with voters?Conservatives Force GC Strategies to Pay Back $64M—and ban them for life from future government contractsCanadian Tire Recruiter Fined for charging thousands to foreign workers—againBC Updates & Uproar: Layoffs, BC Ferries turning to China, and Vancouver renames a street with an unpronounceable First Nations nameFollow Our HostsAlex Pang Alex Shanks 

Send us Fan MailIn this week’s episode, Alex Pang and Alex Shanks unpack the latest employment data, rental drama, and a growing storm of government mismanagement. Whether you’re a landlord, homebuyer, or just frustrated taxpayer—this one’s for you.Here’s what you’ll learn:Why unemployment is spiking—especially for students—despite “steady” wage growthThe professional tenant crisis in Ontario & BC and how platforms like OpenRoom.ca can protect landlordsWhat happened to CRA’s promised income verification tool? Has it quietly disappeared?OSFI may scrap the mortgage stress test—what income-based lending caps could mean for affordabilityWhy June 8th was Tax Freedom Day—and what that says about your hard-earned moneyAverage asking rents drop year-over-year—but are still way up from 2-3 years agoThe scandal around ArriveCan: $40M gone, 7-year vendor ban, but no one going to jail?Auditor General slams federal procurement as riddled with incompetence and corruptionCase scenario: Upsizing in a down market using a refinance strategyOntario recruiter fined for charging foreign workers thousands to work at Canadian TireFollow Our Host Alex Pang Alex Shanks 

Send us Fan MailIn this week’s episode, Alex & Alex break down the latest Bank of Canada decision and what it means for your wallet. From rising fixed rates to rising credit delinquencies, we explore how Canadians are managing debt—and what’s coming next.Here’s what you’ll learn:Why the Bank of Canada held the rate at 4.75% and what could trigger a cut in JulyThe fixed-rate hike: what’s driving lenders to increase mortgage rates again17% of first-time homebuyers missed a mortgage payment—what that says about affordability1.4 million Canadians missed a credit payment in Q1—highest since 2009The BoC admits foreign students are displacing Canadian workers in low-skilled jobsIs the Canadian recession already here? Economists think soDesjardins warns more debt is coming—more than what we saw during the pandemicCMHC reveals why homeowners are really adding secondary suites (hint: it’s not for grandma)The downsizer dilemma: How a reverse mortgage can let seniors buy now and sell laterFollow Our Host Alex Pang Alex Shanks 

Send us Fan MailIn this week’s episode, Alex & Alex unpack Canada’s worsening housing affordability crisis, new tax breaks for first-time buyers, and why big banks are cutting HELOC limits without notice. They also explore rising gas prices in BC and the controversial push to reopen the market to foreign real estate investors.Here’s what you’ll learn:New GST relief for first-time homebuyers on homes up to $1M, with reduced GST on homes between $1M and $1.5MCarney’s 1% income tax cut for the lowest bracket, saving families up to $840 starting in 2026Rising unemployment among recent grads and why trades may be the safer pathHow long it now takes to save for a downpayment in Canada—and why affordability may not improve for 25 yearsWhy some experts say Canada must let home prices fall to restore affordabilityTD’s recession forecast: 100,000 job losses ahead, layoffs at CRA and major banksCanada’s inflation drops to 1.7% after carbon tax pause—but core inflation remains highHELOC limits are being reduced or revoked by banks—how and why it’s happeningRennie lays off 25% of staff; Metro Vancouver condo inventory expected to surge 60%Gas prices in BC rise again despite carbon tax pause—what’s causing the spikeBCREA economist argues for reopening to foreign buyers to fund new developmentsConcerns mount over growing standing inventory and stalled housing activityFollow Our Host Alex Pang Alex Shanks