Angry Mortgage

Send us Fan Mail Condos. Unemployment. Rates Special Guest: Anthony Scilipoti President and CEO of Veritas Group of Companies and Forensic Accountant   Anthony is a friend of the Pod & we wanted him back to explore what a massive loss in liquidity does to a Real Estate Market How many $BILLIONS$ to be lost in the Condo Crash: Antony has was there at the very beginning  How bad will Unemploymen...

Send us Fan Mail Special Guest Rob Campbell  What's happening in the mortgage trenches? Renewal activity but do most people need changes & refinance not just straight renewal? What about Mortgage Rates: Fixed Rates jump, Bank of Canada NO CHANGE. Were there more purchases in the last 2 months. Will that be a trend? What about just getting a mortgage? Is it harder Ron & Rob spit Street...

Send us Fan Mail How Many Jobs Gone? My Special Guest is Ron O’Neil- Owner and Researcher of AI intelligent Solutions He is a leading expert on AI in Canada with a special focus on Real Estate Industry applications We talk about the mind-bending speed that AI is advancing at, just how it has changed in 6 months & how some jobs are already becoming obsolete How fast will job elimination happen?...

Send us Fan Mail Here's a Pod to hear all about the state of the Condo Market in the GTA, how about the reasons some Condo Buildings are BAD & some are GOOD. Ever wonder why Condo Monthly Maintenance fees SOAR after completion in year 4 or 5?  Get ready for a huge dose of honesty & insight about the biggest RE development story of the last 20 years: GTA Condos: our guest Sam (@saberis...

Send us Fan Mail Founder & CEO Owl Mortgage  We welcome Vince back on the show for a 4th time Vince is involved in Development of 5 Unit projects on existing Single-Family Lots & Wow he has some stories: You need to wait 2 months for a Consent that says a yard with no trees doesn't have trees, it's $1000 to add an "R" to an address & so many other City Approval horr...

Send us Fan Mail A Lender's View Of Mortgage Fraud Albert Collu is the President & CEO of Marathon Mortgage & has over 25 years of Executive experience in the Mortgage Business. He explains the sophistication of today's mortgage document fraud activity. Why it's so dangerous, why it effects Canada's Housing Prices & it is so incredibly unfair to all the honest Canad...

Send us Fan Mail Edge Real Estate Analytics Ben is simply one of the very best Macro Real Estate pros in Canada He is ALWAYS the first person to make the right call on key RE Trends, often long before anyone else We tackle: White Collar Crime in RE, the truth about population growth. What's going to happen with rents? What's next in a dead Real Estate Market. What the hell's going o...

Send us Fan Mail Jeremiah is an Executive Vice President at Colliers & one of the leading Land & Building Salespeople in Canada This episode we are going to look at the current Housing Correction from the point of origin: buying the land to start the Development. He takes is through the Boom Cycle & the Bust Cycle How did we get here? And how long is this current cycle going to last  S...

Send us Fan Mail Realosophy Realty Having John on the Pod was breakthrough in thinking about the true reasons behind Batshit Crazy House Prices in Canada. Has the mindset of Homes as an INVESTMENT & all that comes with that thinking created an environment of never ending price spirals. How Canada's last big Housing Crisis in 1946 - 1956 was solved without any home price increases Support...

Send us Fan Mail #1 Insolvency Trustees In Ontario  Scott is a return guest with extremely timely updates on Insolvency Trends in in the Province. Hoyes Michalos is the top Consumer Insolvency Firm in: they have the best data Truly awful Trends: Massive Increase In Homeowner Insolvencies  CRA goes wild - an extreme increase in Aggressive Collections Credit Availability has DRIED UP Indicators of t...

Send us Fan Mail Here's What's New   Ron & Sacha review the Breaking News on Mortgage Rates. Canadian 5 - Yr Bond Yields push 5 - Yr Fixed Rate Mortgage in the low 4% Range, the Sweet, SWEET 3.64% 5 - Yr Fixed Rates are gone, is it time to Switch Back to Variable Also a flurry of house purchases in a really terrible Resale Market: what going on? It's Interesting: all the purchas...

Send us Fan Mail Want to Build Your Own House? Derek is the President of Westboro MIC & one of their Specialties is providing Construction Mortgages to Ontarians to build their own homes. It's complicated, the Borrower needs a lot of cash to get started & should be prepared to for a complex process to finish but it's possible Ron & Derek cover the Private Lending landscape in...

Send us Fan Mail Nobody Knows Real Estate Like An Expert Lender Nick Is one of the very top Equity Lenders in Canada His Company RiverRock Mortgage Investment Corporation is one of the best run operations in Ontario Ron & Nick break down Product & Regions in Real Estate & Mortgage all across Ontario  Support the show

Send us Fan Mail On The Street Mortgage Broker Feedback  Rob is one of our favorite guests & this Pod is so damn funny What's going on in Mortgage World: Purchases way down, Renewals & Refinances way up How the economy impacts on Mortgage Choices & it is really starting to go in direction What should we expect from the economy in the next 2 quarters And GOD SAVE KING CHUCK  Suppor...

Send us Fan Mail What A Finish! One of the most hard fought & important elections in generations comes to a close & some people are cheering & others in tears And Real Estate in Ontario in particular is entering a new phase of worries & most importantly the need for urgent attention to Low Rise Housing development had never been more compelling Ron really loses it on the insanity o...

Send us Fan Mail Trump Moves Mortgage Rates In Canada Sweet Jiminy Crickets who would have thought a US President could swing Mortgage Rates so far, so fast: Ron covers it. What happens April 16th? What will the Bank of Canada do? Cut or hold? Where will Prime go during the year What are the 3 biggest lies in the Mortgage business: we have lots more than 3 and we are going to cover them all And Ro...

Send us Fan Mail A real pleasure to have Legal Closing Founder & Ace Real Estate lawyer on the Show This is the ultimate Deep Dive on the 416 Condo Crash & it's all the gritty details, we will go all the way back to 2010 & track every step on the road to the Disaster Toronto Dog Crate Condos face in the next 24 months Big Episode but we'll worth it  Support the show

Send us Fan Mail Canada's Economy in the Crosshairs, the constant assault of the Trump Tariffs / Trade War looms over every strategic thought in Canada today & the uncertainty of the future of auto parts & car assembly plants can change the Bank of Canada's approach to Rate Cuts in a huge way What happens on April 16th Will Inflation come back What Mortgage Rate to take Let'...

Send us Fan Mail Really a privilege to have Julian on the Pod, CAPREIT is the largest Landlord in Canada & the spotlight on affordable Rental Housing is bigger than ever We cover:  - Why huge professional Landlords just make more sense  - Why Renters may be much better off with REIT managed properties than Mom & Pop Landlords - The coming 416 Condo Crash & the implications for the Rent...

Send us Fan Mail We break down last week's BoC Rate Cut & the future of Mortgage Rates for the next few months How does it affect the Housing Market moving forward? Because there is a lot going on in Real Estate! Listings are piling up, sales have fallen off a cliff,  Mortgage Underwriting is tightening up We are entering into a whole new world of Real Estate in Canada And Ron had a HUGE...

Send us Fan Mail All about Commercial Mortgages For the first time on the Pod a deep dive on the Commercial Mortgage Market What are the trends, what's the Outlook, what to expect next year The effect of the Trump Tariffs are highly impactful on the Commercial Mortgage World. Vanessa discusses how just the FEAR of a Trade War is rippling through Canada: just how hard will it be to get a Comme...

Send us Fan Mail The CEO of the largest Residential Real Estate lawyer in Canada Axess Law is our guest & do we have some interesting facts about Fraud attempts at the Lawyer's Office Elder Abuse is off the charts when it comes to adult children trying to take advantage of elderly parents through Title & Mortgage Fraud & the stories about FAKE Wives are both sad & hilarious We...

Send us Fan Mail And why does it take so long to get anything in Ontario approved: I have the right person to give those answers. Our Special Guest Ian Jones has nearly 60 years of experience building Condo, Commercial Mixed Use & you name it in North America  He had lived through the highs & lows of those 60 years of Building & Development in Ontario & no one can tell the story of...

Send us Fan Mail Today Fixed Mortgage in Canada have become a part of the ever changing, never calm, always in turmoil world of Donald Trump: Tariffs ON / Tariffs OFF / Tariffs for the Whole World. And throw in some US Federal Reserve Chairman Powell for a bit of extra action. Canada Bond Yields & Fixed Rates fell 2 weeks ago & 3.94% 5 – Yr Fixed Rates popped up everywhere, a week later Bo...

Send us Fan Mail The big story of last week in Real Estate was a big downward shift in Fixed Mortgage Rates in Canada. Many Fixed Rates dropped below 4% with brief flashes of 3.84% on CMHC purchases Some Conventional Rates under 4% BIG DIFFERENCE from 4.59% - 4.39% just 2 months ago. Does this mean now is a good time to buy a house? MAYBE But with the return of the Trump Tariffs a possibility is b...