Mortgage 101 with Clinton Wilkins

The Bank of Canada has decided to keep its key interest rate at 2.25%, a move that aligns with economic projections and expectations.

Clinton Wilkins and Dan Ahlstrand welcome Tina Powell to discuss the misconceptions surrounding bankruptcy and consumer proposals.

Mortgage 101 with Clinton Wilkins is back for 2026. As heard on CityNews, this show is a weekly podcast where the guys discuss everything there is to know about getting a mortgage, as well as answering listener phone-in questions. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Dan Ahlstrand and Clinton Wilkins welcome guest Tina Powell, a licensed insolvency trustee from MMP, to discuss the current state of consumer insolvency in Nova Scotia.

Dan Ahlstrand and Clinton Wilkins discuss Merry Debtmas, urging consumers to review their finances and consider refinancing to lower borrowing costs.

Dan Ahlstrand and Clinton Wilkins discuss the value of mortgage brokers, emphasizing their ability to offer a wide range of lenders and products, unlike banks with guest Adrian Schulz.

Dan Ahlstrand and Clinton Wilkins welcome Mario Cloutier from Manulife to explain the importance of mortgage protection, noting that 83% of Canadians are underinsured. 

Dan Ahlstrand and Clinton Wilkins welcome Jim Spitalli, COO of Sagen, to explain how Sagen provides mortgage insurance for those with less than 20% down payment, allowing them to enter the market sooner.

Dan Ahlstrand and Clinton Wilkins discussed the need for Canadians to understand income, assets, and credit, especially amidst economic challenges like recession and high inflation.

Clinton Wilkins and Dan Ahlstrand discuss the importance of financial literacy, focusing on assets. They highlight the significance of home ownership, noting that it's often the largest asset for Canadian families.

Dan Ahlstrand and Clinton Wilkins discuss credit scores and financial literacy, emphasizing the importance of understanding credit usage and management.

Clinton Wilkins and Dan Ahlstrand discuss the impact of self-employment on income and mortgage qualification.

Dan Ahlstrand and Clinton Wilkins discuss the importance of financial literacy, especially during Financial Literacy Month. They emphasize the need for education on credit, income, and assets, noting that schools often lack this instruction.

Clinton Wilkins and his team take to the streets to answer real questions from listeners about homeownership, saving for a down payment, and navigating the ever-changing mortgage landscape.

Clinton Wilkins and guests dive deep into the evolving landscape of mortgage lending in Canada. From the rise in mortgage fraud and the tightening of regulations to the increasing role of family support in helping first-time buyers.

In this special "Best of 2025" episode of Mortgage 101, Clinton Wilkins breaks down the year’s biggest trends in homeownership and mortgage lending. Clinton shares candid advice on the responsible use of home equity lines of credit, emphasizing the importance of not treating your home as an ATM.

Clinton Wilkins recaps this year by diving into topics like: Canadians facing renewals, the decision whether to refinance, consolidate debt, or just extend your amortization.

Clinton and Dan discuss financial literacy, mortgage rates, and housing market trends. They note that while other provinces like Ontario and BC see housing price declines, Atlantic Canada's property values rise by about 3% annually due to high demand. They highlight the affordability issues, with $29.40/hour needed to live in HRM, equating to around $60,000 annually. They also discuss the impact o...

Clinton and Dan discuss the current state of the mortgage market, focusing on interest rates and home ownership. Clinton mentions a Bank of Montreal economist's projection of a 75 basis point reduction in the key overnight rate by early next year, which could lower mortgage rates to the 3% range. They debate the pros and cons of variable vs. fixed rates, with Clinton noting a shift towards variabl...

Dan and Clinton discuss the challenges of student housing in Halifax, noting the high cost and limited availability. They observe a shift from parents buying properties for their children to more student housing being sold. Clinton highlights the impact of reduced foreign student numbers on the market. They debate the financial viability of buying a condo for students, considering factors like mor...

Clinton is joined by Dan Ahlstrand, and the two discuss the current state of the housing market in the fall. Clinton notes that while the market is still busy, it's more balanced than in previous years, with listings above $600,000 staying longer on the market. He predicts a 25 basis point cut by the Bank of Canada, which could increase demand and potentially drive prices up. He also mentions the...

Todd and Clinton discuss the impact of recent fires on insurance costs, noting that insurance premiums have risen due to increased risk factors. They also address the high costs of new home construction, citing labor and material expenses, and the challenges of new home construction, including overruns and scope creep. Clinton explains that most new construction mortgages are turnkey, with clauses...

Clinton and Todd discuss the impact of inflation on interest rates and the housing market, noting that rates are expected to stay higher for longer. They explain the concept of net worth, including what assets and liabilities to include, such as real estate, TFSAs, and life insurance. The conversation shifts to refinancing, highlighting that it often occurs at renewal but can happen mid-term for v...

The guys discuss the impact of inflation and rising debt on home ownership. Clinton notes that Canadians are heavily indebted, with mortgages averaging $400,000, often supported by dual incomes of $100,000. Food prices have doubled, affecting household budgets significantly. They highlight the disparity between real estate prices, which have doubled, and stagnant incomes. Wilkins advises focusing...

Todd and Clinton discuss the evolution of their mortgage show, emphasizing their dynamic approach to mortgage lending and broader topics. Clinton, with nearly21 years of experience, highlights his passion for the industry and his role as the Atlantic director for Mortgage Professionals Canada. He shares his business growth, handling $500 million in transactions this year, and the challenges of wor...