Fernie’s real estate market doesn’t feel broken. Prices are holding, demand is steady, and inventory feels tight — so why are economists warning that this is exactly how affordability problems begin?

In this episode of The Property Mindset Podcast, Phil Gadd is joined by BC’s Chief Economist, Brendon Ogmundson, to unpack what’s really happening beneath the surface in supply-constrained mountain towns like Fernie. We dig into housing supply, inventory, policy pressures, and the long-term risks that don’t show up in monthly stats.

If you live in Fernie — or plan to over the next decade — this is a conversation worth paying attention to.

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In this episode of The Property Mindset Podcast, Phil Gadd breaks down the December 2025 Fernie real estate market and what the full year revealed.

2025 wasn’t a boom year — but it was a telling one. Inventory remained tight, homes sold faster, and prices held steady through year-end, showing real underlying demand in the Fernie housing market. December’s numbers help explain where buyer confidence is returning, why supply remains the key pressure point, and how these trends are setting up 2026.

This episode is essential listening if you’re buying, selling, or investing in Fernie real estate and want clear, data-driven context before making your next move.

👉 Schedule a consultation with Phil today

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In this episode of The Property Mindset Podcast, Phil Gadd breaks down the November 2025 Fernie real estate market. Listings are down, sales are up, and inventory is tightening as winter approaches. With prices holding steady and a new Bank of Canada rate cut boosting buyer confidence, this episode explores what these shifts mean for anyone planning to buy, sell, or invest in Fernie heading into 2026.

The Fernie market continues to show its resilience.

November 2025 brought fewer listings, stronger sales activity, and tightening inventory — all signs of a market that’s quietly gaining momentum as we move toward winter and into the new year. Combined with a recent Bank of Canada rate cut, buyer confidence is starting to return.

In this episode, Phil covers:

• Why listings dropped while sales increased
• What tightening inventory means for pricing and competition
• How interest rate cuts are impacting buyer behaviour
• Where the real opportunities may be in 2026

If you’re considering a move or investment in Fernie, this episode will help you understand the bigger picture and plan your next steps with confidence.

00:00 Introduction
00:39 November 2025 Fernie market overview
00:44 Listings, sales, and pricing trends
01:08 Sponsor message – eXp Luxury
01:54 Year-to-date market performance
02:59 Days on market and inventory levels
06:17 Interest rates and economic outlook
07:18 Market opportunities heading into 2026
08:13 Strategy for buyers, sellers, and investors
09:04 Final thoughts and how to get in touch

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Is the Fernie dream actually worth the price tag in 2026?

On paper, relocating to Fernie, BC looks like a financial trap. The median home price has hit $952,050, the price-to-income ratio is a staggering 7.7, and vacancy rates are near zero. But spreadsheets don't tell the whole story.

In this episode, Phil Gadd strips away the marketing fluff to break down the "Fernie Paradox"—the tension between the elite mountain lifestyle and the harsh economic reality of buying in. Drawing on 21 years of local experience, Phil explains why the data says "stay away," but the culture says "welcome home."

In this episode, we cover:

• The Pros: World-class skiing, a $121k average household income, and the dual-pillar economy keeping the town afloat.
• The Cons: The severe housing shortage, the "rental trap," and fragile healthcare infrastructure.
• The Strategy: Why buying in the "off-season" (right now) is your only defense against Spring bidding wars.
• The Verdict: Who is this move actually for? (High earners vs. the ski bum soul).

Whether you are a remote worker, a resource sector professional, or just chasing the powder highway, this is the reality check you need before packing the U-Haul.

👉 Schedule a consultation with Phil today

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The snow is back on the peaks and Fernie’s real estate market is heating up again.
 In this month’s Fernie Real Estate Market Report, Phil Gadd breaks down October 2025: listings down 22%, sales up 36%, and inventory tightening as winter approaches. Discover what these numbers really mean for buyers, sellers, and investors—and how the Bank of Canada’s latest 2.25% rate cut could shape the months ahead.

Packed with local insight, long-term data trends, and Phil’s on-the-ground perspective, this episode gives you the clarity you need to make smart real-estate decisions in Fernie.

👉 Schedule a consultation with Phil today

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Senior VP of eXp Realty Holly Mabery joins The Property Mindset Podcast for an empowering conversation on leadership, mentorship, and confidence.
Recorded live at eXpCon Miami by Milly Gadd, this episode explores how women in real estate can build successful, resilient careers and inspire the next generation.
Perfect for agents, investors, and anyone striving to grow in the business.

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Thinking about selling your Fernie home or curious what your property is really worth?
 In this episode of The Property Mindset Podcast, Phil Gadd explains how the eXp Luxury platform gives your Fernie property global exposure — and why starting with a Comparative Market Analysis (CMA) is the smartest move before listing or buying.

Learn how eXp Luxury elevates your marketing with 90,000+ agents worldwide, elite media placement in outlets like The Wall Street Journal and Mansion Global, and cinematic digital storytelling that puts your home on the world stage.

Whether you’re buying or selling, Phil breaks down how a data-backed CMA reveals your property’s true market value — the foundation for every successful move in Fernie real estate.

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

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Fernie’s real estate market just shifted — sales dropped over 50%, but prices and demand remain strong. In this episode, Phil Gadd breaks down what that means for buyers, sellers, and investors in 2025. Discover where the real opportunities lie, what’s driving Fernie’s property market resilience, and how to act strategically in the months ahead.

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Thinking about selling your Fernie home? 2026 may be your best window yet. In this episode, Phil Gadd of First Tracks Real Estate Group breaks down why next year’s market could deliver top-dollar results — from BCREA’s bullish forecasts to Fernie’s tightening inventory and surging buyer demand. A must-listen for homeowners looking to maximize equity and time their move perfectly.

👉 Schedule a consultation with Phil today

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The Bank of Canada just cut its key rate for the first time since March—📉 but what does it really mean for Fernie real estate? Join Phil Gadd as he unpacks how this decision affects mortgages, buyer confidence, and local housing trends. Plus, stay tuned for exciting news about his new Koocanusa Village lake house project!

👉 Schedule a consultation with Phil today

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In this episode of The Property Mindset Podcast, Phil Gadd breaks down Fernie’s July 2025 real estate trends — where sold listings have surged, average prices climbed, and inventory is tightening across the valley. Discover what this shift means if you’re buying, selling, or investing in Fernie, BC. Get clear insights into pricing trends, buyer momentum, and how Fernie stacks up against other BC markets.

Stay ahead of the Fernie property market — subscribe for monthly updates and expert advice from The Property Mindset Podcast.

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May 2025 reveals a tale of two markets—sales are down, prices are cooling, but properties are moving faster.

 📊 New listings dropped 24%
 💰 Sale prices fell 2%
 ⏱️ Days on market down by 53%
 🛑 MSI sits at 7.3, solidifying a strong buyer’s market

Tune in for this month’s insights into Fernie's evolving market and what it means for your next move—plus the long-term trends still favouring both buyers and sellers.

👉 Schedule a consultation with Phil today

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In this episode, we dive into the April 2025 Fernie real estate numbers—where tariffs, election tension, and shifting buyer confidence are showing up in the data.

 📉 Listings and sale prices are down.
 📈 Days on market are up.

 But there's more beneath the surface.
 Whether you're buying, selling, or watching from the sidelines, this episode breaks down the trends and opportunities emerging in a cooling market.

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Explore the Fernie real estate landscape with Phil Gadd in the March 2025 episode of The Property Mindset Podcast:

• New Listings Surge: A 28% jump to 78 year-to-date listings – what's driving the increase?
• Sales Performance: Identical to last year with 17 homes sold in March – stability or stagnation?
• Median Price Adjustments: A slight decrease to $670,000, down 4% – signs of market correction?
• Pricing Trends: Average listing prices down 17% year-over-year; sale prices reflect cautious optimism.
• Market Tempo: Days on market decrease by 18% – faster sales indicating increased demand?
• Inventory Insights: Active inventory up by 20% to 104 – are we leaning towards a buyer's market with a MSI of 6.03?
• Long-term Growth: Analyzing a decade of data – average annual price growth remains strong at 8.89%.

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In this episode of The Property Mindset Podcast, I’m getting personal—sharing how goal setting, persistence, and strategic action led us to achieving ICON Agent status at eXp Realty in 2024.

But this episode isn’t just about awards and stock. It’s about the power of clear goals and how setting intentional, structured plans can transform both your business and life.

🔹 The journey from running a restaurant to real estate success
🔹 How we overcame financial struggles to build a thriving career
🔹 The 5 key strategies we used to achieve ICON status
🔹 Why goal setting is the #1 tool for long-term success

Whether you're a real estate agent, entrepreneur, or just looking for motivation to hit your next big goal, this episode is packed with valuable insights on mindset, discipline, and growth.

🎧 Tune in now and start setting goals that drive real results!

 #RealEstateSuccess #GoalSetting #eXpICON #MindsetMatters #FernieRealEstate

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Losing out on your dream home in a bidding war? You’re not alone. In today’s Fernie real estate market, multiple offers are common, and unprepared buyers often miss out. But with the right strategy, you can secure your dream home—without overpaying!

In this episode of The Property Mindset Podcast, I’m sharing proven bidding war strategies that have helped my clients win even in the most competitive situations. Learn how to craft a winning offer, avoid costly mistakes, and position yourself for success.

Chapters:

⏱ 00:00 Introduction: The Frustration of Losing Bidding Wars
⏱ 00:18 Welcome to the Property Mindset Podcast
⏱ 02:00 Common Mistakes Buyers Make in Bidding Wars
⏱ 05:49 Proven Strategies to Win Multiple Offers
⏱ 08:12 Real-World Success Stories
⏱ 11:24 Recap and Final Tips
⏱ 11:52 Engage with Us

What You’ll Learn:

✅ Why the highest offer doesn’t always win
✅ How to tailor your offer to the seller’s priorities
✅ The power of pre-approvals, clean offers, and strong deposits
✅ How personal touches can make your offer stand out
✅ Real-world examples of clients winning even without the highest bid

If you're buying a home in Fernie, BC, and want to avoid the frustration of losing out, this episode is a must-listen!

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Dive into the Fernie real estate market with our comprehensive February 2025 update in this episode of The Property Mindset Podcast. This month, we’ve witnessed a significant 21% increase in new listings and a notable change in sales dynamics, with prices showing unexpected movements. We explore what these developments mean for both buyers and sellers as inventory changes shape the market landscape.

Key highlights include:

• A detailed analysis of the rise in new listings and what it signals for potential buyers.
• Insights into the sales slowdown and the factors driving the 35% drop in median sale prices compared to last year.
• An overview of market trends and how these might affect future real estate decisions in Fernie.
• Expert predictions for the remainder of 2025 and how current trends could impact long-term market behavior.

Whether you're considering buying, selling, or just staying informed on real estate trends, this episode offers vital statistics and expert interpretations to help you navigate the complexities of the Fernie real estate market. Tune in to stay ahead of the curve in one of Canada's most dynamic real estate markets.

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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🏡 Buying a Home in Fernie? Don’t Overpay! 🏡

With rising prices and intense competition, buying a home in Fernie can feel like a race against time. But what if you had 10 powerful hacks to get ahead of the competition, find hidden deals, and negotiate like a pro?

In this episode of The Property Mindset Podcast, I break down:
✔️ Off-market listings and how to access them before others
✔️ Fixer-upper strategies that save you thousands 💰
✔️ Pre-approval power—why it’s a game-changer
✔️ Seasonal market timing to secure the best price
✔️ Negotiation tricks that get sellers to choose YOU

🔥 Whether you’re a first-time buyer or seasoned investor, these insider strategies will give you the edge to land your dream home without overpaying.

💬 Have questions about the Fernie market? Drop a comment below and let’s chat!

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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🏡 Thinking of Selling Your Home in Fernie? Here’s How to Get Top Dollar!

Are you trying to sell your home in Fernie but worried about it sitting on the market for months? With rising home prices and changing buyer trends, selling a home in 2025 requires the right strategy!

In this episode of The Property Mindset Podcast, I’ll walk you through expert-backed steps to help you sell your home faster and for the best possible price.

📌 What You’ll Learn in This Episode:
✅ How to price your home competitively (without leaving money on the table!)
✅ Staging and curb appeal tips to attract buyers instantly
✅ Marketing strategies to make your listing stand out in Fernie’s competitive market
✅ How to handle negotiations for a smooth and profitable sale
✅ When is the best time to sell in Fernie?

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Trump’s Tariffs & Fernie’s Economy – What You Need to Know

A 25% tariff on Canadian steel and aluminum just hit, and Canada is fighting back with $155 billion in retaliatory tariffs. But how does this trade war impact Fernie’s economy, real estate market, and cost of living?

In this episode of The Property Mindset Podcast, Phil Gadd breaks down:
✅ Rising home construction costs & infrastructure delays 🚧
✅ Inflation impact on groceries, vehicles & household goods 🏠
✅ Job risks in construction, resource, and tourism sectors 💼
✅ What this means for Fernie’s real estate market 📊

With Fernie’s cost of living already climbing, these economic shifts could change buying and selling strategies in 2025. Whether you're a homeowner, investor, or business owner, understanding how these tariffs affect Fernie’s property values is critical.

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Dive into the new year with a comprehensive analysis of the Fernie real estate market in January 2025 on The Property Mindset Podcast. This episode provides an in-depth look at the major shifts and trends affecting the market, from a surprising increase in new listings to significant changes in property prices. Whether you're a potential buyer, seller, or investor, understanding these dynamics is crucial for making informed decisions.

We'll explore:

• The significant rise in new listings and what it signals for the market.
• How the median and average prices have adjusted in the early days of 2025.
• The implications of these changes for buying and selling in Fernie.

Stay tuned as we offer expert insights and predictions to help you navigate Fernie's evolving real estate landscape. Whether you're planning to buy your dream home or considering selling your property, this episode is packed with essential information to guide your real estate decisions in 2025.

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Thinking about buying in Fernie but unsure what type of property is right for you? In this episode of The Property Mindset Podcast, we break down the pros and cons of investing in a rental property vs. securing your dream vacation home. With Fernie’s real estate values climbing and demand for short-term rentals increasing, now is the time to explore your options.

🎯 What You’ll Learn in This Episode:

• The financial benefits of investment properties vs. vacation homes
• Market trends driving Fernie’s real estate growth
• Best areas for rental income and ski-in, ski-out vacation homes
• Key considerations for seasonal rental demand and ownership costs
• Real-world insights from helping buyers navigate Fernie’s housing market

🏡 Whether you’re looking for cash flow, long-term appreciation, or a personal mountain escape, Fernie offers incredible opportunities for real estate investment. But which one is the right fit for you?

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Are you over 50 and considering downsizing in Fernie, BC?

In this episode of The Property Mindset Podcast, Phil Gadd explores why downsizing is a game-changing move for homeowners looking to simplify their lives and maximize the incredible lifestyle Fernie has to offer. Whether you're an outdoor enthusiast or planning for retirement, downsizing can unlock financial freedom, reduce your workload, and give you more time to enjoy powder days at Fernie Alpine Resort or peaceful evenings by the fire.

What You'll Learn in This Episode:

• Why downsizing in Fernie is the key to financial freedom and less stress.
• The benefits of a smaller home: fewer chores, lower costs, and more adventure.
• Step-by-step strategies to prepare for downsizing, from decluttering to financial planning.
• Insights into Fernie's neighborhoods, real estate trends, and market timing.
• How to overcome challenges like limited inventory and emotional attachments to your current home.

🎯 Whether you're ready to move or just exploring your options, this episode will guide you through every step of the downsizing journey.

💼 Thinking about downsizing in Fernie? Let's create a personalized strategy to make it happen.

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In Episode #51 of The Property Mindset Podcast, Phil Gadd takes you on a thrilling ride through Fernie, BC’s top five winter activities that make this mountain town a must-visit destination! Whether you’re seeking adrenaline-fueled adventures or peaceful winter escapes, Fernie offers something for everyone.

What You’ll Discover in This Episode:

• 🎿 Epic Skiing & Snowboarding: Explore Fernie Alpine Resort’s legendary powder with over 2,500 acres of terrain and 142 runs.
• 🏔️ Backcountry Cat Skiing: Dive into untouched powder with world-class operations like Island Lake Lodge and Fernie Wilderness Adventures.
• 🚵 Fat Biking Adventures: Glide over Fernie’s groomed snow trails for a unique biking experience.
• ❄️ Snowshoeing to Fairy Creek Falls: Discover a serene 4.7 km trail leading to a stunning frozen waterfall.
• 🎿 Cross-Country Skiing: Enjoy Fernie’s extensive Nordic trails at the Elk Valley Nordic Centre, Fernie Alpine Resort, and more!

Whether you're a seasoned adventurer or new to winter activities, this episode will inspire you to make the most of Fernie’s winter magic.

👉 Ready to turn your Fernie adventure into a permanent lifestyle? Book your FREE consultation with me today

📍 Location: Fernie, BC
🎙️ Host: Phil Gadd | First Tracks Real Estate Group – eXp Realty

Show Sponsor: First Tracks Real Estate Group – eXp Luxury

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Rising Costs, Unmatched Lifestyle
Fernie, BC, is known for its breathtaking mountain views, world-class recreation, and strong community vibes. But with an average home price climbing over $800,000 and the cost of living rising faster than many other Canadian towns, can you afford to live in this mountain paradise?

In Episode #50 of The Property Mindset Podcast, host Phil Gadd explores the true cost of living in Fernie. From housing and groceries to transportation and dining out, Phil breaks down the financial realities of life in this vibrant mountain town. Plus, he compares Fernie to other popular destinations like Whistler and Revelstoke to help you decide if this dream town fits your lifestyle and financial goals.

🎯 What You'll Learn in This Episode:

• The current cost of living in Fernie: housing, groceries, and more.
• A comparison of Fernie, Whistler, and Revelstoke for homebuyers.
• Pros and cons of living in Fernie for families, professionals, and investors.
• Practical advice for planning your finances and making Fernie your home.

🌄 Whether you’re a buyer, seller, or investor, this episode offers actionable insights for navigating Fernie’s unique real estate market.

📞 Book a free consultation with Phil Gadd to explore your real estate options

🔔 Don’t forget to subscribe to stay informed about all things Fernie real estate.

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In Episode #49 of The Property Mindset Podcast, titled "December 2024 Fernie Market Wrap-Up: Trends and Predictions," host Phil Gadd takes a deep dive into the year-end dynamics of the Fernie real estate market. Discover how various property types fared as we transition from 2024 into 2025 and what potential buyers and sellers might expect in the coming year.

What’s Inside This Episode:

• December Overview: An in-depth analysis of fewer listings and how specific property types like single-family homes and apartments have seen price increases.
• Market Dynamics: Explore the factors leading to a 14% drop in new listings and an 11% decrease in sales, coupled with the implications of these trends.
• Pricing Insights: Delve into the median price trends across different property types, noting significant gains in apartments and the unusual dip in land prices.
• Historical Review: A review of the long-term market trends, highlighting a consistent property value appreciation over the past decade.
• 2025 Outlook: Predictions for the Fernie real estate market based on current and historical data, providing listeners with foresight into potential market shifts.

📈 Key Takeaways for Listeners: Gain critical insights into how the Fernie market is shaping up and what strategic moves could be beneficial as we approach a new year in real estate investments.

Listen in for a comprehensive review and expert analysis tailored to both seasoned investors and first-time homebuyers.

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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📈 Fernie's real estate market has grown an impressive 14.42% year-over-year, with average home prices now exceeding $750,000. But what does this mean for you as a buyer or investor?

In this episode of The Property Mindset Podcast, Phil Gadd explains why buying real estate in Fernie is not only a smart financial investment but also an opportunity to embrace a thriving mountain lifestyle. Whether you’re searching for a vacation home, rental property, or permanent residence, Phil offers a step-by-step guide to help you navigate Fernie’s competitive market.

What You’ll Learn:

✅ Key strategies for buying real estate in Fernie
✅ How to handle limited inventory and win in bidding wars
✅ Why ski-in/ski-out properties and pocket listings are gold
✅ The importance of pre-approval and acting fast in a competitive market
✅ Pro tips for long-term investment and rental income opportunities

🎯 If you're ready to make your Fernie real estate dreams a reality, this episode is for you!

💼 Book Your Free Real Estate Consultation: 

🔔 Don't forget to like, subscribe, and share! Your support helps us grow and deliver more insights into Fernie's real estate market.

🎧 Listen Now!

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🏡 What does 2025 hold for the Fernie real estate market? In this episode of The Property Mindset Podcast, host Phil Gadd dives into the latest predictions and trends shaping the future of real estate in Fernie, BC. With home sales across BC forecasted to rise by 13%, mortgage rates expected to drop, and growing demand for recreational and lifestyle properties, 2025 is shaping up to be a dynamic year for buyers and sellers alike.

🎯 Key Insights Covered in This Episode:

• Price Predictions: Average Fernie home prices could surpass $800,000.
• Inventory Levels: Are we finally seeing improvements in housing supply?
• Demand Trends: How lower mortgage rates and new buyer policies will stimulate the market.
• Challenges to Watch: Affordability, new construction shortages, and economic uncertainties.
• Lifestyle Investments: The rise of vacation condos and lifestyle-driven buyers.

Whether you're looking to invest, sell, or make Fernie your home, Phil shares expert advice and actionable strategies to navigate opportunities in this evolving market.

💼 Thinking of buying or selling in 2025? Let’s build a strategy tailored to you!

👉 Book your free consultation

🔔 Don’t forget to subscribe, share, and leave a review to stay updated on Fernie real estate insights!

Show Sponsor:
First Tracks Real Estate Group - eXp Luxury

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Discover Why the Holiday Season is Perfect for Real Estate in Fernie, BC

In this festive episode of The Property Mindset Podcast, host Phil Gadd unwraps the unique dynamics of the Fernie real estate market during the holiday season. Whether you’re a buyer or seller, the Christmas charm of Fernie can create exciting opportunities to make your next real estate move.

🎄 Key Takeaways:

• Why buyers and sellers are highly motivated during the holidays.
• How to leverage Fernie’s winter wonderland charm to your advantage.
• The importance of staging, budgeting, and planning ahead during this busy time.
• Insider tips for navigating lower inventory and winter-specific challenges.
• Real-life examples and pro tips to maximize your holiday real estate strategy.

📈 Whether you're ready to invest or simply curious, this episode has everything you need to navigate Fernie's holiday market with confidence.

🎧 Tune in now and make this holiday season your time to shine in real estate!

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In Episode #45 of The Property Mindset Podcast, titled "Fernie Real Estate Pulse: November 2024 Market Adjustments," host Phil Gadd offers a comprehensive analysis of the shifting dynamics in the Fernie real estate market. With the year winding down, November introduces notable changes that could influence buyer and seller strategies as we approach 2025.

What’s Inside This Episode:

• November Overview: Delve into the significant reduction in new listings and the decline in sales, showcasing a market that is increasingly favoring buyers.
• Pricing Insights: Unpack how despite the market slowdown, the median sale price has increased to $697,000, offering insights into property valuation resilience.
• Market Trends: Explore detailed statistics that highlight a decrease in sales and list prices but an uptick in the sale-to-list ratio, suggesting a complex market environment.
• Strategic Forecast: Discuss the implications of these trends on future market behavior and what it means for those looking to engage with the Fernie real estate market.

📈 Key Takeaways for Listeners: Whether you're considering selling your property or looking for investment opportunities, understanding these market shifts is crucial. This episode provides the insights needed to navigate the complexities of real estate transactions in a fluctuating market.

Tune in to gain a deeper understanding of Fernie’s market trends and prepare for the upcoming year with strategic foresight.

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Discover the real Fernie lifestyle in Episode #44 of The Property Mindset Podcast. Join host Phil Gadd as he explores the pros and cons of living in this picturesque mountain town. From the unparalleled outdoor lifestyle and vibrant community events to the challenges of remote living, Phil shares valuable insights for those considering a move to Fernie, BC.

In This Episode:

• Living in Fernie: Pros and Cons – Understand what makes this mountain town unique, from world-class skiing to strong community ties.
• Outdoor Lifestyle – Learn why Fernie is a haven for skiers, snowboarders, hikers, and mountain bikers.
• Community & Events – Explore the vibrant local culture, including Griz Days, summer concert series, and more.
• Challenges of Remote Living – Consider the realities of long winters, high costs, and adjusting to small-town life.
• Real Estate and Cost of Living – Get the latest on Fernie’s real estate market and what it takes to call this town home.
• Phil’s Personal Journey – Hear Phil’s story of moving to Fernie from the UK and starting a family and business here.

If you’re curious about life in Fernie or considering making the move, this episode is packed with the information you need to decide if Fernie is right for you.

🔗 For personalized real estate advice or to start your Fernie property journey, book a call today

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How do U.S. elections impact Fernie’s real estate market?

🏡 In this episode of The Property Mindset Podcast, Phil Gadd sits down with mortgage expert Rob Bain to reveal surprising stats on how U.S. policies, Canada’s economic shifts, and jumbo rate cuts are shaping Fernie’s housing trends. Learn about fixed vs. variable mortgage strategies, CMHC’s latest changes, and why now might be the perfect time to invest in Fernie real estate.

🎯 **What You'll Learn**

How U.S. policies could affect Canada’s economy and Fernie housing trends.
What the Bank of Canada’s jumbo rate cuts mean for your mortgage.
Should you choose a fixed or variable rate mortgage?
CMHC’s December 2024 updates: Lower down payments and 30-year amortizations.
Why now might be the right time to invest in Fernie real estate.

📚 **Chapters**
00:00 Introduction to the Impact of US Elections on Fernie Real Estate
00:35 Understanding Cross-Border Inflation and Real Estate
03:23 Bank of Canada Rate Cuts Explained
04:26 Variable vs Fixed Rates: What You Need to Know
05:35 Inflation Trends and Predictions
07:10 Strategizing Your Mortgage: Variable, Fixed, or Hybrid?
12:12 Upcoming Changes in CMHC Policies
17:14 Is It a Good Time to Buy? Expert Opinions
20:37 Conclusion and Final Thoughts

**Connect with Rob:**
Mortgage Professional
rob.bain@dlcme.ca
C: 403-308-9411
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In this episode of The Property Mindset Podcast, Phil Gadd dives deep into the exciting world of real estate investment in Fernie, BC. Known as more than just a ski town, Fernie offers year-round appeal and promising opportunities for investors. Whether you’re a first-time investor or looking to expand your portfolio, this episode covers everything you need to know to make smart investment decisions in Fernie's thriving market.

Phil breaks down key investment strategies and market trends, including:

• Overview of the Fernie real estate market: price growth, demand, and sold listings.
• Long-term appreciation trends, with average annual price increases of 7.85% from 2014 to 2024.
• The potential of rental properties, including single-family homes, condos, and ski chalets.
• Diversifying investments by exploring multi-property units and emerging developments like the upcoming Nordic spa.
• How falling interest rates and favorable financing conditions can boost your returns.
• Understanding the seasonal demand driven by Fernie's four-season tourism.
• Tips for succeeding in the local market, including working with local experts, researching properties, and exploring financing options.

Tune in to learn how to navigate the unique dynamics of Fernie’s real estate market and make informed decisions to build lasting wealth.

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In this pivotal episode of The Property Mindset Podcast, titled "October 2024 Fernie Market Dynamics: Rate Cuts and Rising Inventory," host Phil Gadd delves into the intricate details of the Fernie real estate market amid Canada's broader economic slowdown. We explore the ramifications of the Bank of Canada's recent aggressive rate cut and how it's reshaping buyer and seller behaviors in Fernie.

Key Topics Covered:

• Economic Overview: An examination of Canada’s recent economic performance, including flat GDP growth and its influence on real estate dynamics.
• Interest Rate Cuts: A deep dive into the Bank of Canada's substantial 50-basis-point cut, bringing the policy rate down to 3.75%, and predictions for future financial policies.
• Market Activity: Insights into the dramatic 82% increase in new listings and a decrease in sales by 9%, showcasing a market filled with opportunities and challenges.
• Pricing Trends: Analysis of the current median price holding steady and average prices showing a significant increase, affecting both buyer strategies and seller expectations.
• Market Predictions: Discussions on the potential for further economic interventions by the Bank of Canada and their possible impacts on the real estate market as we approach 2025.

📊 What This Means For You: Whether you're a first-time homebuyer, a seasoned investor, or a market spectator, this episode offers valuable insights into how to strategically navigate the evolving market conditions in Fernie. Learn about the key factors driving the market and how to position yourself effectively amid these changes.

Listen now and gain the insights needed to make informed decisions in an unpredictable economic climate.

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In this episode of The Property Mindset Podcast, Phil Gadd takes you through the ins and outs of buying your first home in Fernie, BC. With the local market on the rise—median sale prices have climbed to $720,000, a 3% increase from last year—it's crucial to know how to navigate the process confidently.

Join Phil as he discusses:

• Fernie's diverse neighborhoods and what each has to offer
• Setting a realistic budget, including hidden costs and pre-approval tips
• The importance of partnering with a local real estate expert
• Defining your priorities to make informed decisions
• How to approach open houses and property viewings like a pro

Whether you're drawn to Fernie's ski slopes, mountain trails, or vibrant downtown, these practical tips will help you find your dream home. Don't miss out—listen now and get one step closer to owning your first home!

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#FernieRealEstate #FirstTimeHomebuyer #PropertyMindset #BuyingInFernie

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In this episode of The Property Mindset Podcast, host Phil Gadd is joined by mortgage expert Stephanie Roughhead to break down the latest mortgage changes in Canada and their impact on the Fernie real estate market. With updates aimed at making homeownership more accessible, these changes bring new opportunities for buyers, sellers, and investors. Stephanie covers three major announcements and what they mean for anyone looking to enter or stay ahead in the market. If you're navigating the current real estate landscape, this episode is a must-listen for valuable insights and actionable advice.

Key Announcements Discussed:

• Increased Insured Mortgage Limit: Starting December 15, the insured mortgage limit will increase from $1 million to $1.5 million, allowing buyers to borrow more with lower down payments.
• 30-Year Amortization for Insured Mortgages: First-time buyers and new-build purchasers can now access a 30-year amortization period, making monthly payments more affordable and potentially increasing buying power.
• Changes to Stress Test Rules for Mortgage Transfers: As of November 21, stress tests will no longer be required for mortgage transfers between institutions, easing the refinancing process for existing homeowners.
• New Refinancing Options for Suite Additions: Beginning January 15, homeowners can refinance up to 90% of the property's "as improved" value for adding legal rental suites, encouraging increased housing supply.
• Potential Future Changes to the Stress Test: Stephanie shares insights on the possibility of the stress test being further modified or removed in the future, depending on economic trends.

Tune in to gain a better understanding of these changes and how they can influence your real estate decisions in Fernie and beyond. Don't miss this essential episode for staying informed and navigating the evolving mortgage landscape with confidence.

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In Episode #38 of The Property Mindset Podcast, host Phil Gadd provides valuable insights into selling your home in Fernie, BC. If you're a homeowner looking to maximize the value of your property while minimizing the stress of selling, this episode is for you. Phil shares practical strategies for preparing your home, from small upgrades to boost curb appeal to staging tips that make a big impact.

Learn how to price your home strategically in Fernie’s unique market, where recent trends have shown fluctuating average sale prices. Phil also covers the importance of working with a local real estate agent who knows the Fernie market inside out. Discover how a strong marketing plan—complete with professional photos, videos, and social media exposure—can significantly increase your chances of a quick and profitable sale.

Tune in to learn:

• Key steps to prepare your home for sale
• Pricing strategies that attract buyers and generate competitive offers
• Marketing techniques to give your property maximum visibility
• How to handle showings, inspections, and offers with confidence
• Why choosing the right real estate agent in Fernie can make all the difference

Whether you’re a first-time seller or a seasoned homeowner, these expert tips will help you navigate the Fernie real estate market and achieve the best results.

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In this episode of The Property Mindset Podcast, Phil Gadd guides you through the crucial process of finding the perfect real estate agent in Fernie, BC. Whether you're buying your dream mountain home, a cozy condo, or a luxury retreat, choosing the right agent is key to success. Learn the essential steps to identifying an agent who knows the local market, has a strong network, and understands your unique needs. From word-of-mouth referrals to interviewing agents, Phil provides actionable tips to help you find the best partner for your property journey.

Don't miss out on expert advice that could make all the difference in your next move!

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Dive into the dynamic shifts in the Fernie real estate market this September 2024 on the latest episode of The Property Mindset Podcast. Host Phil Gadd provides an insightful analysis of how recent Bank of Canada rate cuts are reshaping the market, resulting in a surge of buyer and seller activity.

What’s Inside This Episode:

• Rate Cut Impacts: Explore the immediate effects of a significant 50 basis point cut by the Bank of Canada and its potential to further alter market dynamics.
• Market Activity: Discover why there was an 80% increase in sold listings this September and what this heightened activity suggests about future market trends.
• Pricing Trends: Understand the rise in median and average sale prices, with the median sale price reaching $720,000, marking a 3% increase from last year.
• Inventory and Listings: Analyze the adjustments in new listings and active inventory, which have seen notable changes, influencing both buying and selling strategies.
• Investor Insights: Gain valuable insights into the long-term investment potential in Fernie, backed by a decade of consistent price growth.

Key Takeaways for Listeners:

• Whether you're a seasoned investor or a first-time homebuyer, learn how to navigate these shifts and what strategies might be most effective in the current and upcoming market conditions.
• Discuss the implications of extended market days and increased inventory, highlighting what this means for those looking to buy or sell in the near future.

🎧 Listen to the full episode for a comprehensive understanding of the Fernie real estate market's response to economic changes and how you can best prepare for potentially similar conditions in the months ahead.

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In this episode of The Property Mindset Podcast, we dive into how recent mortgage rate cuts could dramatically impact the Fernie real estate market. With the Bank of Canada poised to reduce rates further, Phil Gadd breaks down what this means for buyers, sellers, and investors alike. Are you wondering if now is the time to buy, sell, or hold off? We cover how falling rates could drive buyer competition, potentially pushing up prices, and how new mortgage insurance rules could bring more buyers into the mix. Learn how these changes, along with U.S. rate cuts and lower-than-expected inflation, could create both opportunities and challenges in Fernie’s dynamic real estate landscape.

Tune in to get expert insights and practical advice on navigating Fernie's real estate market in the face of these changes.

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In this episode of The Property Mindset Podcast, we dive into the recent zoning changes in Fernie, British Columbia, and explore how they impact buyers, sellers, and investors in the local real estate market. Learn how the new Residential Small Scale (RSS) zoning regulations can unlock new opportunities for multi-unit dwellings, increase property values, and create more investment possibilities. Whether you’re looking to buy, sell, or invest, understanding the implications of these zoning updates is crucial.

We'll break down:

• Key changes to residential zoning and their impact on density and affordability.
• How increased unit allowances can open up more real estate investment options.
• Tips for buyers and sellers on maximizing value in this evolving market.
• Strategies for investors to leverage reduced setbacks and building heights.

Stay ahead in Fernie’s real estate market by aligning with these new zoning laws. 📈 Listen now and learn how to capitalize on these changes.

For more insights or a personal consultation, click here: Book a Call with Phil.

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In this episode of The Property Mindset Podcast, Phil Gadd welcomes back multifamily real estate expert Greg Eaton for an in-depth discussion on identifying and evaluating cash-flowing properties. Greg shares practical insights into key financial metrics like cap rates, ROI, and the 1% rule, breaking down complex concepts into actionable advice for both new and experienced investors. If you're looking to generate steady cash flow and grow your real estate portfolio, this episode is packed with valuable tips on leveraging investment strategies for long-term success.

Tune in to learn:

• How to evaluate cash flow potential
• The importance of cap rates and how they affect your ROI
• The 1% rule and when to use it
• Key factors for managing cash-flowing multifamily properties

Whether you're just starting out or looking to scale your investments, Greg Eaton's expert advice will help you unlock the true potential of cash-flowing properties. Don't miss out on this insightful episode!

Listen to the full episode and take your real estate investing to the next level!

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Buzzsprout Episode Description:

Dive into the evolving dynamics of the Fernie real estate market in our detailed August 2024 analysis on the Property Mindset Podcast. This month, host Phil Gadd explores significant shifts and what they could mean for you, whether you're buying, selling, or investing.

In This Episode:

• Surge in Listings: Discover the implications of an impressive 13% increase in new listings and what it signals about market health.
• Sharp Decline in Sales: We delve into the dramatic 68% drop in properties sold compared to last year, analyzing the potential reasons behind this trend.
• Price Movements: Examine the decreases in both median and average sale prices, with a median drop of 12% and what factors are contributing to this adjustment.
• Market Speed: Understand why properties are selling nearly at their asking price despite the rapid changes, with a sale to list ratio of 99%.
• Buyer’s Market Indicators: Unpack the staggering rise in the Monthly Supply of Inventory (MSI), now at 10.29, and active inventory up by 63%, indicating a strong buyer’s market.

Key Takeaways:

• Gain insights into how current trends can affect your buying or selling strategy in Fernie.
• Learn about the shifting balance of power between buyers and sellers and how to navigate these changes effectively.

🎧 Listen to the full episode to equip yourself with the knowledge to make informed decisions in a fluctuating market.

Stay tuned as we break down the numbers, trends, and what they mean for the future of real estate in Fernie.

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In this insightful episode of The Property Mindset Podcast, host Phil Gadd sits down with multifamily investor Joel Labonte to dive into the strategies behind successful multifamily investing. If you're a real estate investor looking to break into multifamily properties or expand your existing portfolio, this episode is packed with actionable tips. Joel shares his journey, from finding his first 17-unit property in Cranbrook, BC, to building a network of investors and navigating the complexities of value-add real estate deals. You’ll also learn about the importance of underwriting, building relationships with brokers, and finding opportunities in smaller markets like the Kootenays.

Key Takeaways:

• How to approach value-add multifamily deals
• Building a network of trusted investors and partners
• Tips for underwriting and evaluating multifamily investments
• Navigating tenancy laws and managing renovations in smaller markets

Whether you're new to multifamily investing or an experienced real estate entrepreneur, Joel's story offers valuable insights into how to succeed in today’s competitive market.

Tune in now to learn how you can maximize returns in the multifamily space!

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In episode #30 of The Property Mindset Podcast, host Phil Gadd breaks down the recent Bank of Canada rate cut and its impact on Canadians, especially those dealing with mortgage renewals and high debt. Dive into how this 25-basis-point rate cut is providing relief for variable rate mortgage holders and sparking cautious optimism for Fernie homeowners and buyers alike.

We explore insights from the Mari Public Opinion Household Outlook Index and how shifts in economic sentiment might affect the Fernie real estate market. If you're navigating mortgage renewals, variable rates, or considering buying or selling in Fernie, this episode offers crucial insights to help you make informed decisions in a changing landscape.

Tune in to learn how this rate cut could influence your real estate decisions and what you can do to stay ahead. Need personalized advice on your mortgage or the Fernie real estate market? Book a call today to discuss your unique situation.

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n this episode of The Property Mindset Podcast, Phil Gadd explores how the recent stock market fluctuations might impact the Fernie real estate market. With an 80% surge in new listings and stable interest rates, Fernie’s unique appeal to second home buyers and investors offers a level of insulation from broader market trends. Discover why Fernie remains a strong investment, even amid economic shifts. Listen in for expert insights and stay informed on your next real estate move.

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In Episode 28 of The Property Mindset Podcast, host Phil Gadd dives into the latest trends and statistics of the Fernie real estate market for July 2024. With an impressive 80% surge in new listings and a notable drop in average sale prices, we explore what these changes mean for both buyers and sellers. Discover why properties are moving faster but selling for less, and gain insights into how to navigate this evolving market. Whether you're a seasoned investor or a first-time buyer, this episode is packed with valuable information to help you make informed decisions in the Fernie real estate market.

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In this episode of the Property Mindset Podcast, host Phil Gadd delves into the recent decision by the Bank of Canada to reduce interest rates to 4.5%. Discover how this change is set to influence the Canadian economy, with a special focus on the Fernie real estate market. Phil discusses potential impacts on consumer spending, mortgage payments, and market dynamics, offering insights for both buyers and sellers in Fernie. He also explores the broader implications for businesses and the Canadian dollar. Whether you're a potential homebuyer, a real estate professional, or just interested in the market, this episode provides valuable information and practical advice.

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In this episode of The Property Mindset Podcast, Phil Gadd dives into the latest Fernie Real Estate Market Report for June 2024. Discover key insights, including a 6% rise in new listings, a 15% increase in average sale prices compared to last year, and a whopping 36% rise in average house prices since 2021. Stay tuned for detailed analysis and what these trends mean for buyers and sellers in Fernie.

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In this episode of The Property Mindset Podcast, join host Phil Gadd from First Tracks Real Estate Group as he sits down with mortgage expert Stephanie Roughead to debunk two major misconceptions in today's real estate market. Discover how you can buy investment properties with less than 20% down and learn why selling your current home before buying a new one might not be necessary. Stephanie provides actionable insights and strategies to navigate the real estate market effectively, making this episode a must-listen for both aspiring investors and seasoned professionals.

Tune in to get expert advice and elevate your real estate game!

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In Episode 24 of The Property Mindset Podcast, host Phil Gadd welcomes past client Sam, who shares his inspiring journey from relocating to Fernie from Montreal to building his dream home. Discover the challenges and rewards of this life-changing move and gain valuable insights into the home-building process in Fernie, BC. Sam provides practical advice on buying land, working with builders, and integrating into a new community. This episode is perfect for anyone considering a big move or looking to build a custom home in a beautiful ski town.

Tune in to learn:

• Why Sam chose Fernie for his retirement
• The process of buying land and building a home remotely
• The benefits and challenges of living in Fernie
• Tips for integrating into a new community

Don’t miss this insightful episode filled with practical advice and heartwarming stories from the world of real estate.

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Welcome to The Property Mindset Podcast! In this episode, host Phil Gadd interviews Nadia Habib, Senior Vice President of Growth at eXp Realty. Nadia reveals her 23-year journey from family land development to leading at eXp Realty, emphasizing her growth mindset and leadership strategies.

Learn how Nadia's experience at the number one brokerage in Canada and her transition to eXp Realty can guide your real estate career. Discover the advanced tools, technologies, and training programs at eXp Realty that help agents thrive in today's competitive real estate market.

Phil and Nadia discuss the booming luxury real estate market in Canada and how eXp Luxury provides agents with unique advantages. Whether you're an aspiring investor, a seasoned real estate professional, or passionate about luxury properties, this episode offers valuable insights and practical tips to elevate your business.

Keywords: Real Estate Growth, eXp Realty, Real Estate Strategies, Luxury Real Estate, Real Estate Training, Real Estate Tools, Real Estate Market Canada, Real Estate Leadership, Real Estate Success

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Tune in for actionable advice and inspiring stories that can help you master the real estate industry and achieve new levels of success.

#RealEstateGrowth #eXpRealty #RealEstateStrategies #LuxuryRealEstate #RealEstateTraining #RealEstateTools #CanadaRealEstateMarket #RealEstateLeadership #RealEstateSuccess

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Explore the latest trends in the Fernie real estate market with our comprehensive May 2024 market report. This episode delves into the effects of the Bank of Canada's recent interest rate cut and its potential impacts on property buyers and sellers in Fernie.

What's Inside This Episode:

• Bank of Canada Update: Learn how the latest 25 basis point cut to 4.75% might signal a new cycle of rate reductions, potentially affecting mortgage rates and market liquidity.
• Fernie Market Analysis: Get the latest data with 30 new listings this May, an 11% increase from last year, and understand the dynamics behind the stable sales numbers and the average sale price of $781,185.
• Investor Insights: With the average list price up by 9% at $839,879, we discuss what these figures mean for investment strategies in the current economic climate.
• Market Trends: A detailed look at the sale-to-list ratio, days on the market, and monthly supply of inventory (MSI), which has risen to 6.94, clearly indicating a shift towards a buyer's market.

Key Takeaways for Real Estate Enthusiasts:

• How Fernie’s real estate trends can guide your buying or selling decisions.
• The potential effects of the Bank of Canada's monetary policy on real estate investments.
• Strategies to navigate a buyer's market with increased days on market and growing inventory levels.

Connect with Us: For personalized advice or a deeper discussion on how these changes could impact your real estate goals, contact Phil Gadd at First Tracks Real Estate Group.

Listen Now and equip yourself with the knowledge to make informed real estate decisions in these changing times.

#FernieRealEstate #BankOfCanada #RealEstateInvestment #PropertyMarket #HomeBuyingTips #RealEstateTrends

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In Episode 21 of The Property Mindset Podcast, host Phil Gadd sits down with Greg Eaton, a seasoned real estate investor based in Cranbrook, BC. Greg shares his journey from purchasing his first rental property in Calgary to building a successful real estate portfolio in Cranbrook. This episode is packed with valuable insights on real estate investing, generating passive income, and achieving financial freedom. Learn about effective property management, investment strategies, and the benefits of real estate investment. Whether you're a beginner or an experienced investor, Greg's tips and advice will help you navigate the challenges and maximize your real estate success.

Tune in to discover:

• Greg’s real estate investing journey
• Strategies for building a profitable real estate portfolio
• Tips for managing rental properties
• How to achieve financial freedom through real estate

Don't miss this insightful episode filled with practical advice and success stories from the world of real estate investing.

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In this 20th episode of The Property Mindset Podcast, host Phil Gadd explores the significant impact of Bill 44 on the housing landscape in Fernie, BC. Bill 44, a sweeping legislative change by the BC government, aims to boost the construction of multifamily homes like townhomes and triplexes, fundamentally altering housing development in the area. This episode delves into what Bill 44 means for Fernie, discussing both the potential benefits and the concerns surrounding this new approach to urban planning. Join us for an insightful discussion on how Bill 44 could reshape the future of housing in Fernie, providing more diverse and potentially more affordable housing options.

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

• Bill 44
• City of Fernie - Proposed Zoning Bylaw Update [16th May, 2024]
• New zoning bylaws to allow for more residential density in Fernie
• Bill 44 is an important driver in delivering the homes that people want, need and deserve
• New housing rules in B.C. trigger fears of ‘catastrophic’ loss of urban trees 
• Political opposition in B.C. tears down housing models

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In this episode of The Property Mindset Podcast, Phil Gadd invites back mortgage professional Rob Bain to discuss the pressing issue on every buyer's mind: Should you wait for interest rates to drop, or is now the right time to buy? They delve into current and predicted trends in interest rates and how they will impact fixed and variable mortgages. Phil and Rob analyze Fernie's property value trends and provide practical advice on approaching home buying in this competitive market. Tune in to discover the strategies for making informed decisions, regardless of interest rate fluctuations.

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In this enlightening episode of The Property Mindset Podcast, host Phil Gadd is joined by Kim Maleta, RBC Mortgage Specialist, to explore how RBC is revolutionizing mortgage options for luxury real estate markets.

Discover RBC's unique programs like the Wealth Accumulator, designed to facilitate higher debt servicing for affluent clients, and learn about flexible down payment options for second homes and large-acreage properties.

Whether you're eyeing a vacation home or a substantial investment in a rural community, this episode offers essential insights into making informed financial decisions in high-end real estate.

Tune in to navigate the complexities of luxury property financing with expert advice from RBC.

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Dive into the dynamic world of Fernie's real estate market with our April 2024 update! This episode breaks down the significant uptick in activity, showcasing a remarkable 38% increase in new listings and a 22% rise in average sale prices. We also explore the near-perfect sale-to-list ratio of 99%, indicating that properties are selling almost at their listing price.

What We Cover:

• Market Explosion: Detailed analysis of the new listings and what’s driving the surge.
• Price Trends: Insights into the escalating average list and sale prices and what this means for potential buyers and sellers.
• Buyer's vs. Seller's Market: Understanding the shift in market dynamics and how to leverage this for your real estate decisions.
• Strategic Insights: Practical advice for navigating Fernie’s lively market whether you are looking to buy or sell.

Whether you're actively looking to invest, considering selling your property, or just keeping an eye on the market, this episode is packed with essential insights to help you make informed decisions. Don’t miss out on understanding these pivotal changes—tune in now!

Schedule a Personal Consultation:
Ready to dive deeper or discuss what this market means for you? Schedule a direct consultation through the LINK to get tailored advice from our experts.

Stay connected with us for more updates and expert insights into Fernie's real estate market. Subscribe and share with anyone who might benefit from this episode!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Join Phil Gadd in this informative episode of the Property Mindset Podcast as he delves deep into the strategies that led to a remarkable victory in a competitive real estate market. In "Mastering the Art of Real Estate Success," Phil reveals the innovative techniques and personal touches that helped secure a property for $20,000 below the asking price amidst multiple offers.

Discover how understanding client motivations, conducting educational property tours, and meticulous financial preparation can transform your property-buying experience. Whether you're a seasoned investor or a first-time buyer, Phil's insights will provide you with the tools to navigate the complexities of today’s real estate market confidently.

Tune in to learn how teamwork, strategic negotiation, and a client-focused approach make all the difference in winning bids and achieving real estate success.

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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In this podcast episode, I have a conversation with Sky McLean, an entrepreneur from Canada who has made her mark in the hospitality industry with her company, Basecamp Resorts. Sky shares with us the inspiration behind Basecamp and gives us a sneak peek of what to expect when Basecamp arrives in Fernie, BC.

Apart from that, we delve into the topic of entrepreneurship and what it takes to achieve success in the industry. Sky emphasizes the significance of failure and its role in the journey to becoming a thriving entrepreneur. Additionally, we touch on the unconventional topic of gore-tex one-piece ski outfits!

To learn more about Basecamp Resorts

Don't forget to hit the subscribe button to stay up-to-date on all our latest episodes!

Hosted by: Phil Gadd

Show Sponsor - Living in Fernie

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Join us for an in-depth exploration of the Galloway Lands residential development, located next to Fernie Alpine Resort. This proposed project has sparked a heated debate, with many opinions divided on its potential impact. In this episode, we are joined by Reto Barrington, the President of Handshake Holdings, the company behind the development. We ask him questions and delve into the various aspects of this contentious issue.

Tune in to gain a comprehensive understanding of this proposed development and decide for yourself. This is a must-listen for anyone interested in the future of this beautiful location.

So, sit back and listen to our latest episode to learn more about this important issue.

Don't forget to hit the subscribe button to stay up-to-date on all our latest episodes!

Hosted by: Phil Gadd

Show Sponsor - Living in Fernie

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty

I chat with Al about how he has achieved success since being licensed in 1998, and how Al went from;

1. Going from a newbie agent without a good understanding of the industry
2. Experiencing "Real Estate Rolocoster" month after month
3. Being an independent brokerage with ten agents on the board and a $2 million dollars maximum revenue

To being:

1. A mentor and leader of a team with over 12,000 real estate agents on the Honey Badger Nation eXp team
2. Over $10M in Annual Revenue
3. Living my best life, I never need a vacation from

How he overcame obstacles, and how Al developed his success and growth. Including how they decided on naming their group Honey Badgers Nation and why everyone needs a coach.

Implement the strategies you learn listening to this podcast and start shaping your own growth mindset and entrepreneurial journey. It can be that simple.

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

In this episode, delve into the mind of Spencer Gough - one of the candidates in the City of Fernie Council elections. We learn why he wants is running for a second term on council. How he defines success, and what a successful term on the Fernie city council would look like for him.

Born in Calgary Alberta, Spencer grew up coming to Fernie nearly every weekend in the winter. Then after living abroad for 4 years, and working in the energy sector, hospitality and as a chef, he found his passion as a competitive gymnastics coach here in Fernie, reconnecting a love of the sport with a city I deeply adored. 

To discuss the local Fernie City Council elections with Spencer, he can be contacted at; spencergough@shaw.ca

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

In this episode, delve into the mind of Nic Milligan - one of the candidates for mayor in the City of Fernie Council elections.  What a successful term on the Fernie city council would look like for him.

Nic was born in the West Highlands of Scotland and moved to Fernie at the age of four when his father came here to take a job in mine reclamation at Kaiser Resources. His late father, Tony Milligan, is considered the father of open-pit mine reclamation in the province of British Columbia.

Nic was raised in Fernie and is passionate about this community. He has decided to run for office to give back to this incredible place but also because of a long history of community engagement, consultation, building bridges, and finding collaborative solutions around shared values. Nic believes the community can benefit from the application of those skills in municipal government.

We also discuss his favourite book routines, and a fun fact that not many people know about Nic, listen towards the end to find out!

To discuss the local Fernie City Council elections with Nic, he can be contacted via his website: milliganformayor.ca or by email at milliganformayor@gmail.com

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

In this episode, delve into the mind of Kyle Hamilton - one of the candidates in the City of Fernie Council elections. We learn why he is running for a second term on council. How he defines success, and what a successful term on the Fernie city council would look like for him.

A resident of Fernie for 15+ years, Hamilton is seeking a second term on Council. Throughout his time in Fernie, he has been active and involved in many local community groups and organizations. He has sat on the Board of Directors for Tourism Fernie, the Board of Directors for the Fernie and District Arts Council, as well as a Rotarian for the last 12 years. Known throughout the community as a photographer and content creator, he has had his images used locally, and internationally.

After his first term on council, and seeing how decisions made 5, 10, and 20 years ago are now impacting the community, his platform for re-election is based on looking not just at the next 4 years, but the next 40, to ensure that the decisions made today ensure that community remains a diverse, welcoming, and vibrant place to live well into the future.

We also discuss his favourite book which is Not Wanted on the Voyage by Timothy Findley, habits and much more.

To discuss the local Fernie City Council elections with Kyle, he can be contacted at;

@iamkylehamilton, or email hello@kylehamiltonphotography.com

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

Today I speak with Pierre Nadeauone of the top1% real estate agents in Canada with over $1 Billion in sales.

I chat with Pierre about how he has achieved constant success over the last 20 years. From selling over 5,000 properties with over $1 Billion in sales to growing his team to almost 500 agents at eXp.

How he overcame obstacles, and how Pierre developed his success and growth. We also will discuss favourite books, music, routines, habits and the success of 30 years of marriage with three amazing kids.

Implement the strategies you learn listening to this podcast and start shaping your own growth mindset and entrepreneurial journey. It can be that simple.

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

In this episode, I delve into the mind of Harshan Ramadass "Harsh" - one of the candidates in the local City of Fernie council elections. We learn why he wants to get into local government, how he defines success, how he arrived in Fernie from his native country of India and what a successful term on the Fernie city council would look like for him.

We also discuss his favourite books, and music, which turns out to be Swedish melodic death metal. Routines, habits and much more.

To discuss the local Fernie City Council elections with Harsh, he can be contacted at
Facebook
(250) 433-1240

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

Andre LaFountain has been in the Real Estate Industry for 31 years. Starting out as a part-time agent in NY to a full-time agent with a team and became an Associate Broker of an Independent brokerage selling over 300 units per year with his partner and team.

Then moving to GA to be part of a high-level real estate coaching team for 9 years helping agents grow their business and then back to a solo agent in a new market starting over from scratch at 49 years old.

In the last 3 years at eXp, Andre has grown his global team to over 789 partners in 30 states, 4 provinces of Canada, India & Mexico, and now he is earning 3 times more per month in passive income than he ever made as a coach and is more NET profitable then he ever was in his 31-year career with no liability and virtually no overhead.

He now spends his days helping his partners grow their real estate businesses and is having a TON of FUN changing lives.

Implement the strategies you learn listening to this podcast and start shaping your own growth mindset and entrepreneurial journey. It can be that simple.


#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

We chat with Nick about how Greg achieved his start, and overcame obstacles, and how Nick developed his success and growth. We also will discuss favourite books, music, routines, habits and much more.

Implement the strategies you learn by listening to this podcast and start shaping your growth and entrepreneurial journey. It can be that simple.

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

This week I speak with Gogo Bethke "The Social Media Queen" of real estate. www.gogobethke.com

We chat about how Gogo achieved her start, overcame obstacles, and how Gogo developed her success and growth. We also will discuss favourite books, music, routines, habits and much more.

Implement the strategies you learn listening to this podcast and start shaping your own growth mindset and entrepreneurial journey. It can be that simple.

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

This week I speak with Paul Jenkins Managing Director of leading packaging innovation consultancy ThePackHub, which he founded 10 years after a career in senior brand management roles. The business helps brand owners, retailers, and packaging suppliers from around the world deliver a range of packaging innovation challenges. 

Paul has become an internationally renowned expert in packaging trends and runs a members’ packaging innovation platform called The Innovation Zone with over 6,100 initiatives from around the world. ThePackHub also hosts packaging conferences and webinars, publishes packaging reports and offers technical packaging support.

We chat about how Paul about the ups and downs of making a success of packaging consultancy business after two decades in the corporate world. We also will discuss favourite books, music, routines, habits and much more.

Implement the strategies you learn by listening to this podcast and start shaping your growth and entrepreneurial journey. It can be that simple.

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

This week I speak with Matt Pelling - Digital Music Pioneer.

We chat with Matt about how a lad from a small town in Sussex in the UK ends up on stage with the musical legend Stevie Wonder.

Matt founded Loopmasters in 2002 which is a royalty-free sound source for musicians looking for inspiration, in 2012 he launched Plugin Boutique which is a marketplace for music plugins. In 2016 Loopcloud was launched which is a cloud-based subscription model for sounds.

We talk NFT's and Rhodes Electric Piano, favourite books, music, routines, habits and much more.

Implement the strategies you learn listening to this podcast and start shaping your own growth mindset and entrepreneurial journey. It can be that simple.

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

👉 Schedule a consultation with Phil today

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Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

This week I speak with GMoney [AKA Greg Barrow], a real local Fernie Legend. We chat about how Greg found Fernie. The history of Edge of the World the snowboarding and skate store Greg owns. How Greg achieved his start, overcame obstacles, and how Greg developed his success and growth. We also will discuss favourite books, music, routines, habits and much more.

Implement the strategies you learn listening to this podcast and start shaping your own growth mindset and entrepreneurial journey. It can be that simple.

#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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Brings listeners into the minds of other entrepreneurs to learn how they developed their success and growth.

Show sponsor
Phil Gadd - Fernie REALTOR® - Brokered by eXp Realty
https://philgadd.com/

This week I speak with Rob Bain, Mortgage Professional. We chat about how Rob became got his start. The value a Mortgage Broker can provide along with the benefits of a Pre-approval. Rates and Inflation and predictions on the Bank of Canada and overall financial markets for 2022.

Implement the strategies you learn listening to this podcast and start shaping your own growth mindset and entrepreneurial journey. It can be that simple.


#thephilgaddpodcast #exp #realestate #growth #success #entrepreneurs #entrepreneur #entrepreneurship #entrepreneurlife

👉 Schedule a consultation with Phil today

🔔 Don’t forget to subscribe for more real estate insights and Fernie lifestyle tips!

Show Sponsor: First Tracks Real Estate Group - eXp Luxury

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