The Canadian Real Estate Investor

This episode's focuses on the seller's perspective in real estate transactions. We explore key considerations and provide practical guidance for homeowners looking to sell, addressing common questions about the selling process. Selling Costs: The total cost of selling a home includes REALTOR® fees (3-7%), legal fees (~$1,500), staging costs, cleaning fees, and potential mortgage penalties. Mar...

The Canadian federal election on April 28, 2025 presents three distinct approaches to the housing crisis: Liberal Platform (Mark Carney) : Offers a middle path with both government intervention and market incentives, including a new federal housing developer (Build Canada Homes), MURB tax incentives for rental construction, and GST cuts for first-time buyers up to $1M. Conservative Platform (Pierr...

The common questions in the Canadian real estate market- Answered! We address concerns from both buyers and sellers in a challenging market environment. A detailed guidance on the home-buying process, starting with saving for a down payment and getting pre-approved for a mortgage, followed by finding a real estate agent. Comprehensive breakdown of closing costs is provided, with recommendations to...

Rod Gilbert, president of the Canadian Construction Association, highlights the construction industry's challenges including COVID-19 impacts and the housing crisis. He stresses the need for infrastructure investment, streamlined permitting, and solutions for labor shortages. Gilbert advocates for government support and improved construction job perception to attract workers, aiming to strengthen...

John Orr and Kyle Pearce share their transition from educators to real estate investors and podcasters. They explore real estate partnerships, the Smith maneuver for leveraging home equity, and tax optimization strategies. The discussion covers partnership dynamics, financial strategies including cash damming and vendor take back (VTB), and emphasizes the importance of understanding debt, cash flo...

The ongoing U.S.-Canada trade war is impacting Canada's housing market, with economists warning of significant effects across all economic sectors. The housing market is showing weakness with plummeting sales and price declines, while the stock market experiences extreme volatility with the S&P 500 dropping nearly 19% since early April. A nationwide 5% drop in housing prices is expected, with...

Reporting from Toronto City Hall with Counsellor Brad Bradford where we do a deep dive into whats wrong with the Canadian housing market and his insights on how to fix it.  Taxes & Development Charges  Does growth still pay for growth?  Can Missing Middle & Multiplexes help affordability Housing starts are down 68%  Get in touch With Brad Bradford Exchange-Traded Funds...

A comprehensive guide to finding real estate investment deals, with three main core strategies. The key to success is being prepared to act quickly when you find a good deal and having your financing ready. Direct Searching: Both on and off-market approaches, including using listing platforms, working with agents, exploring FSBO properties, and "driving for dollars" to find potential deals Strateg...

Both leaders, Poilievre & Carney, are focusing heavily on housing affordability through different approaches. Carney emphasizes first-time buyers and economic management, while Poilievre promotes broader tax relief and supply-side solutions. The real estate market is currently experiencing a slowdown as investors and buyers wait for election results. The Canadian federal election is scheduled...

In this jam packed episode we start by looking at a report on the rental market from two perspectives. Landlord & Tenant. We then look at the CREA stats followed by a live update from our national hosts. Come to our FREE Edmonton meetup Navigating Capital Event  Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca  Get a mortgage...

Live from the BUZZ conference to share a handful of the amazing interviews we had with leaders in the real estate space. we discussed AI, what agents can do to stand out in this market, where the market is headed, the importance of networking and more.  Buzz Media Raz Zohar - CEO and founder of Mave Samantha Hewit - Executive Vice President of Royal LePage Signature Steve Tabrizi - CEO and Ow...

OSFI is considering replacing the traditional mortgage stress test with a portfolio-level approach that shifts responsibility from individual borrowers to banks, limiting high loan-to-income mortgages to 15% of quarterly originations. Current stress test requires uninsured borrowers to qualify at either 5.25% or contract rate plus 2%, but OSFI found it didn't prevent accumulation of high loan-to-i...

Despite current negative sentiment about Canada, there are significant opportunities for growth and development, particularly in natural resources and technology sectors. Resource Wealth: Canada has vast natural resources including third-largest oil reserves, largest potash reserves, and 20% of world's freshwater, creating economic stability through jobs and revenue Future Growth Drivers: Data cen...

Its our Host Episode! We have our amazing meetup hosts provide us with some boots on the ground updates. We also look at RBC's latest housing market report, which shows growing optimism across Canada, with a national recovery expected in 2025.  Surging listings in major markets  Lower interest rates, and varied regional performance, with Alberta and Quebec showing particularly strong mom...

A deep dive into Rocket Mortgage's exit from Canada, highlighting how the Canadian banking system favours the Big Six banks. The episode also covers Hudson's Bay's creditor protection filing and CMHC's new MLI Select program restrictions, concluding with insights into Canada's most affordable cities. Key Points: Rocket Mortgage's exit demonstrates how Canada's unique mortgage system and Big Six ba...

The concerning decline in happiness among Canadians, particularly the youth, amidst a housing crisis that has significantly impacted affordability and well-being. Drawing insights from influential reports, we discuss the factors contributing to this trend and consider potential solutions, including the development of new cities to make housing more accessible. Canada has dropped in the world happi...

The financial landscape is changing and thus, so are the challenges and opportunities in the real estate investing space. We look at 4 of the best ways to finance your deals in 2025 and beyond   Vendor Take Back (VTB) financing strategies CMHC MLI Select program advantages The new Canadian government secondary suite loan program Owner-occupied high-value property financing (90% of $2M LT...

What is the reality of achieving passive income through real estate investing? We examine various real estate investment strategies ranked from most active to most passive, highlighting that true passive income often requires significant upfront work, systems, and team building. Most real estate investing is not initially passive - Despite popular belief, many strategies like property flipping, sh...

A deep dive into the Canadian proptech industry's transformation, examining how despite funding dropping 62.5% to $300M in 2024, companies are emerging stronger with more sustainable business models. The episode explores successful case studies and the industry's shift toward practical, results-driven solutions. More than 530 proptech startups are now operating in Canada, with 80% concentrated in...

The tariff drama continues, we go over which Canadian cities could be impacted & why.  Ontario Manufacturing Cities Most Vulnerable: Five Ontario cities are among the top 10 most exposed to tariffs, with Windsor being particularly vulnerable due to its automotive sector. The auto manufacturing corridor employs over 25,500 workers across various facilities. Varying Housing Market Risks: Ci...

As Millions of mortgages come up for renewal, we have been getting this question a lot. Fixed or Variable, whats the move for this year? We are joined by financial columnist and fellow Podcast Rob Carrick to discuss.  Variable and fixed-rate mortgages are now at par after six BOC rate cuts, with the 5-year bond yield dropping significantly from 3.85% to 2.64%⁠ The Bank of Canada is expected t...

We're joined by Jessica Moorhouse to discuss all things money, real estate, investing and success, Buying vs renting What a good relationship with money and success looks like  Your "why" in business, investing & life & the concept of 'enough point', and how to find fulfillment beyond monetary success. The importance of homeownership; Buying vs renting A budget is essential for f...

This is a discussion about five crucial real estate investment terms for 2025. Know these, understand these and utilize them! Location remains fundamental but has evolved - investors must now consider factors like tech hubs, remote work accessibility, and infrastructure beyond just traditional metrics. DSCR (Debt Service Coverage Ratio) is crucial for evaluating investment property viability, with...

The complexities of renting versus buying in Canada's current housing market, offering insights from both perspectives as a homeowner and strategic renter. We break down the financial implications, personal considerations, and market conditions that influence this important decision • The true cost of homeownership extends far beyond the mortgage payment, including maintenance, taxes, and opp...

The U.S. is possibly implementing a 25% tariff on Canadian goods, with Canada announcing retaliatory measures including a $155B tariff package. This could lead to decreased exports, a weaker Canadian dollar, and higher import costs. Different regions face varying risks - Ontario's automotive sector, Alberta's energy industry, Quebec's aerospace sector, and BC's forestry industry are particularly v...