Make Money Count

Did Hollywood actually get mortgages right? In this episode of Make Money Count, Marcus and Justin react to some of Hollywood's most famous mortgage moments, and the gap between fiction and reality is bigger (and smaller) than you'd expect. We break down: What subprime really meant in The Big Short, and why it's not the same as today's A-minus or alt-A lending How that "bartender to boat owner" mo...

Is the Fed about to break your mortgage plans? In this episode of Make Money Count, Marcus and Justin break down new Fed Chair Kevin Warsh's very first policy meeting, and why it didn't go the way most people expected. We break down: Why Warsh, Trump's own pick, spent his first meeting talking about inflation instead of cutting rates How the Fed's "dot plot" flipped from pricing in a cut to pricin...

Is Canada sitting on the biggest real estate opportunity in years? In this episode of Make Money Count, Marcus and Justin break down exactly what is happening in Canada's housing market, why prices are 20% off peak, and why most Canadians are still too scared to move. We cover: Why housing is 20% off peak and what nine quarters of affordability improvements actually mean How fear and consumer sent...

Is Canada headed for a rate hike nobody saw coming? In this episode of Make Money Count, Marcus and Justin sit down days before the Bank of Canada's June 10th meeting to break down exactly what's happening with interest rates, inflation, and your mortgage renewal. We break down: Why a rate cut on June 10th is basically off the table How Canada ended up in a recession with inflation still rising Wh...

Is your bank quietly working against you? In this episode of Make Money Count, Marcus and Justin get into the mortgage conversation most Canadians never get to have. With bond yields climbing and fixed rates on the move, knowing what to do and when to do it could be the difference between a great mortgage and an expensive mistake. We break down: Why you should never trust your bank to give you the...

Is your mortgage renewal about to get a lot more expensive? In this episode of Make Money Count, Marcus and Justin dig into Canada's April CPI numbers and why the story behind the data is one every Canadian borrower needs to hear. Gas prices at a record high, groceries quietly bleeding your budget, and fixed rates with nowhere to go but up. A lot is happening right now and most people do not even...

Is the jobs report even real anymore? In this episode of Make Money Count, Marcus and JT sit down to talk about something that's been quietly building behind the scenes, and the cracks are getting harder to ignore. From a federal agency that's lost its data collectors to a treasury yield that hasn't been this high in years, a lot is happening beneath the surface that every Canadian borrower needs...

Is Canada's economy quietly cornered? In this episode of Make Money Count, Marcus and Justin sit down to talk about something that's been building for a while now, and the numbers are getting harder to ignore. From a record-breaking gas price spike to an inflation figure that caught even the banks off guard, a lot is happening beneath the surface that every Canadian borrower needs to understand. W...

Is Canada actually in as much trouble as everyone's saying? The Bank of Canada just revealed something they’ve been quietly doing for 23 years and most Canadians have absolutely no idea. In this episode of Make Money Count, Marcus and Justin break down what the Bank of Canada's own data is telling us, why global chaos is hitting closer to home than you think, and what all of it means for your mort...

Is your variable rate mortgage actually safe? The Bank of Canada just made a move that every Canadian homeowner needs to know about and most people have no idea it's even happening.   In this episode of Make Money Count, Marcus and Justin break down the repo market, why hedge funds are flooding into Canadian bonds, and what all of this means for your mortgage rate. This isn't just financial noise,...

Is Canada’s condo market quietly breaking? In this episode of Make Money Count, Marcus and Justin dive into the condo market,  and what they uncover is hard to ignore. From record-low sales numbers to massive unsold inventory, the data tells a story most people aren’t talking about openly. We break down: Why condo sales are hitting levels not seen since the early ’90s What oversupply really means...

In this episode of the Make Money Count Podcast, we break down how global events like war, rising oil prices, and inflation could impact mortgage rates in Canada. Oil prices have already surged more than 20%, and markets are reacting fast. When energy prices rise, inflation often follows, and that can directly influence interest rates and mortgage costs. So what does this mean for homeowners and a...

Your mortgage is renewing, and it’s not going to feel like it did five years ago. If you locked in a 1.39% -- 1.49% mortgage, your renewal could mean a $800–$1,000 jump in monthly payments. In this episode of Make Money Count, Marcus and Justin break down how mortgage renewals really work in today’s high-rate market, and how to optimize your decision instead of blindly accepting the bank’s offer....

In this episode of Make Money Count, we break down what’s really happening with interest rates, employment numbers, and inflation, and why Canada and the U.S. are taking completely different paths. We unpack the latest unemployment data, bond yield signals, and CPI expectations, then compare the Bank of Canada’s “hold the line” approach with the U.S. strategy of cutting rates to fuel productivity...

What’s really going on with Jerome Powell, and why are global markets paying attention? In this episode of Make Money Count, we break down the growing tension between the White House and the U.S. Federal Reserve, and why this story goes far beyond political drama. From legal pressure on Fed officials to concerns over central bank independence, this is a moment that could reshape interest rates, in...

Make Money Count is back. 🎙️ After a short break, Marcus returns with a solo deep dive into where the Canadian economy truly stands as we enter the new year—and why the next phase may depend on a careful balancing act between the Bank of Canada and the federal government. This episode goes beyond headlines. Marcus connects global political developments, energy markets, bond yields, and interest ra...

The Bank of Canada finally cut rates — but what does that really mean for homeowners? Marcus breaks down why this rate cut isn’t as simple as it sounds, and what Canadians should prepare for next. Listen now for real talk on what’s ahead for your mortgage, inflation, and the economy.

In this episode, Marcus and Justin reveal what’s really keeping grocery prices high, what the Bank of Canada might do next, and how smart borrowers can use this moment to their advantage. They dig into: • Why food prices in Canada refuse to drop • How the grocery market structure keeps costs high • What the next rate decision could mean for your mortgage • The surprising price gap between Canada a...

AI is moving fast, and it’s already changing the way mortgages are handled. In this episode, Marcus dives into how AI tools like ChatGPT are analyzing mortgage scenarios, calculating penalties, and even projecting rates—but can they really replace human advisors? We discuss: How AI is disrupting mortgage and finance roles Why basic mortgage advice is no longer enough How Cannect uses AI to empower...

Trump met Carney — and on the surface, nothing happened. No new tariffs, no clear trade progress… just smiles and handshakes. But while everyone focused on political optics, bond yields quietly continued to fall, signaling a major shift for Canadian homeowners and anyone locked into a high fixed-rate mortgage. In this episode of Make Money Count, Marcus and Justin break down: Why "nothing happened...

Toronto’s housing market is at a crossroads. Interest rates are easing, but condo supply is piling up, and defaults are on the rise. Will prices bounce back soon, or is there more pain ahead for homeowners and investors? In this episode of Make Money Count, Marcus and Justin break down: ✔️ Why condo prices may dip further ✔️ The impact of rising defaults and arrears ✔️ What falling interest rates...

In this episode of Make Money Count, Marcus & Justin discuss Deloitte’s latest report on the Canadian economy and share their take on what it really means for 2025–2026. From CUSMA negotiations with the U.S. to tariffs, trade uncertainty, and your mortgage options, Marcus breaks it down. - What you’ll learn in this episode:   - Why trade uncertainty could slow the Canadian economy - The real r...

The Bank of Canada just cut its overnight rate by 25 basis points, bringing it to 2.5%. But what does this mean for your mortgage, housing prices, and the Canadian economy? In this episode, Marcus breaks down: Why did the U.S. and Canada cut rates on the same day What’s really happening with inflation and the labor market Why variable mortgages may now be the smarter move How fixed rates, penaltie...

They thought they were consolidating debt. Instead, they lost a 0% interest loan, and the bank didn’t even tell them.   In this episode of Make Money Count, Marcus and Justin break down a real-life horror story featured in The Globe and Mail, where a Canadian couple trusted their bank to help refinance their debt. What happened next? Their 0% First-Time Home Buyer loan was paid off without consent...

Should mortgage brokers get access to your CRA data? In this episode of Make Money Count, Marcus and Justin dive into a recent CRA roundtable that could reshape the mortgage industry in Canada. We’re talking: Income verification & fraud prevention Why the banks are NOT pushing for transparency The hidden cost of mortgage fraud Open banking delays — and who’s responsible How Cannect is already...