Special Guest John Pasalis: President and Broker of Record at Realosophy Realty Inc. Brokerage

What's really going on in Ontario Real Estate: let's get some honest answers from a true expert

Why John saw the 416 Condo Crash coming years before the prices started dropping

The long list of mistakes made by all levels of Government

The myths & reality that fueled the wild price run ups of 2009 to 2022

What's going to happen to the Foreign Buyers Ban

Lots more 

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Special Guest: Dan Foch, Co-Host of the Canadian Real Estate Investor Podcast 

Dan lays out the case for the changing face of Realtors in an AI world: there are still going to be RE Agents but fewer, much more productive & possibly lower commissions

What's going to happen in Ontario Real Estate? When's the market bottom: next quarter? Next Year? Farther?

What about New Home Development: the Hi-Rise Condo will be dead for a while, how slow will Housing Starts be in Canada's biggest Province?

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1. Special guest Rich Dias- Strategist at IceCap Asset Management and Co-host of the Loonie Hour podcast?

What should we be thinking about in the Canadian Economy 

Productivity: What does it really mean? What should we do? How does Canada become more Productive

Natural Resources: a lost decade

Why it's so important to our Economy

How it supports our Social Safety Net 

Why it's a net benefit to Canada

And why did we spend a decade flipping Real Estate & selling houses to each other

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It's an honor to have Scott Aitchison on the Pod- Member of Parliament for Parry Sound and Muskoka & Conservative Party Critic for Housing

Scott & I break down the failures of all the recent Liberal Housing Policies

We explore the reasons behind the massive run up in Canadian house prices, the utter failure to build more new houses & the betrayal of Young Canadians in the fight to own a home of their own 

Learn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/... Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)

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Special Guest Dan McTeague- President of Canadians for Affordable Energy and Member of Parliament for 20 years

The man who saves millions of Canadians money for free is back on the Podcast

Dan McTeague reveals the Price Of Gas before it happens & for the last 5 months of the War in the Middle East that's been a huge asset to everyone in Canada

We look at the twists & turns that have sent the price of a barrel of oil on a Rollercoaster ride

Who is manipulating that market & why

And how will 2 Billion Barrels of lost Oil Production resolve in the future 

Learn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/... Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)

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How About Real-Life Confirmation Of The Ridiculous Unfairness of Canada's Housing Problems

I sit down with Cara Stern- Journalist and Co-Host of The Missing Middle Podcast

Cara brings the facts in her description of a young family's difficult journey to Home Ownership & all the pitfalls along the way

Why things are so profoundly different from even 10 years ago

How politics pumps out bad Housing outcomes

And why the promise of 500,000 new homes a year has just become some sort of joke

Learn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/... Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)

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Special Guest Jeremiah Shamess- Executive Vice President at Colliers and Head of Private Capital Investment Group

Jeremiah is one of Canada’s leading commercial real estate experts, with deep insight into land sales, development and investment across Toronto and the GTA.

We talk about whether Canada’s real estate market is finally approaching the bottom, why Canadian downturns can last 8–11 years, and which parts of commercial real estate are already recovering.

We also cover the condo crash, bulk buyers stepping in, the surprising return of office buildings, the shortage of seniors’ housing and why small townhomes have become one of the hottest products in the GTA.

Has the worst of the real estate correction already happened — or are we only halfway through it?

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It's been Resource Expert Christmas & a Full Marathon all rolled onto one for Heather in the last 6 months

Heather Xner- Pirot- Director of Energy, Natural Resources and Environment at Macdonald-Laurier Institute, has the inside scoop

Pipelines, Renewed Middle East Conflict, Data Centres & the Prime Minister's Video saying Justin Trudeau was WRONG for 10 years

Heather is always one of our most popular guests & her insight into the Canadian Energy & Resource sector is unparalleled 

Learn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgage
Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)

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Learn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgage
Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)

Submit your questions at askgoodquestions.ca

In this episode, Ron takes calls, gives his honest takes, and has lots of laughs. You don’t wanna miss it!

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Learn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgage
Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)

Why is an old fat mortgage broker thinking about defense spending? Because in a country running massive deficits, there's some huge spending coming down the pipe

David Perry gives us the inside information on what is likely to be one of the largest budget increases and spending initiatives of the Carney Liberal Government.

He brings needed insights into reasoning behind big, expensive weapons programs and the thinking that led to those huge buys. He also lets us know just how difficult & disjointed Government procurement has been and how it may be getting rectified.

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Learn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgage
Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)

Special Guest David Herle- Partner at Rubicon Strategy and host of the Curse of Politics and Herle Burly podcasts 

David is one of the Top 2 or 3 Political Commentators in Canada & 40-year Polling Expert

We talk about Polling, politics, the economy, what's the future for young Canadians & Working-Class people 

Who sees themselves as Middle Class in Canada anymore that answer may surprise you

And what's Prime Minister Mark Carney really like?

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📞 We want your questions! Submit it at askgoodquestions.ca

A husband flees the country with a warrant out for his arrest. Questions about investing, buying a forever home, and plenty more chaos ensues.

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Learn more about Neighbourhood Holdings here: https://go.neighbourhoodholdings.com/angrymortgage
Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2025-3000660, ON #13679), Lender (NS #2025-3000354), and Brokerage (ON #13753). (AD)

What The World Needs To Worry About

Special Guest Keith Dicker Founder and CIO IceCap Asset Management and Co-host of the Loonie Hour Podcast

Keith Dicker educates Canadians about our Macro Economic World every week on The Looney Hour

We both share the same view on massive Government & Private Debt that circulates around the world

Because the World Bond Market dwarfs the Equity Market which draws all the daily headlines the Bond Market seems quiet & safe

Are we about to find out those assumptions weren't right? 

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If you want to know what's going on in Real Estate Lawyer game in Ontario, you ask Mark

And he has some startling information based on developing trends in Residential Purchases, Sales & Power Of Sales going on in Southern Ontario

Some of it is shocking, some of it fascinating, some just plain tragic

And all of it in massive contrast to the wild run up in the prior 14 years until 2023

This episode is a Banger 

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You’re divorced. Now what? Your living situation is likely your biggest asset and your biggest headache. In this episode, Ron takes your calls and answers the tough questions about moving on and moving out, and more.

Stop guessing. Start asking. 

Submit your questions for the next show at: askgoodquestions.ca

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Special Guest Albert Collu- CEO & President of Marathon Mortgage Corp

What's going on with Mortgage Rates? One thing for sure: we have proof positive there's no Bank collusion on Mortgage Rates because for 8 weeks there has been outright war on Fixed Rates, 2 Banks undercutting the rest

Why does this happen? What's it mean for Borrowers

And why has the Federal Government gone all in on Rental New Construction?

Have they given up on Home Ownership

Because the HST Holiday seems to be meant for Speculators 

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Heading To Record Levels

Scott outlines the multiple reasons for the steady acceleration of personal Insolvencies in Canada 

It's a steady upward path with a real possibility of becoming a 2-to-3-year record level of Insolvent Canadians

Scott explains why Ontario Homeowners had almost ZERO Insolvencies for over a decade & have now increased to 11% of Ontario filings

This is an almost perfect economic storm having its ultimate outcome 

Scott Terrio- Manager of Consumer Insolvency at Hoyes Michalos and Associates

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What's happening on the ground in Mortgages

Top Butler Mortgage Broker Chris Bressi talks about what's happening in Mortgage World today

Chris takes up to 20 calls a day from borrowers in 3 provinces and the feedback he has says a lot about what Canadians are worried about on Renewal

Who's buying homes today & what their attitudes are

And in the Age-Old Debate between Fixed & Variable, what's really happening

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What is going on in the Mortgage Investment Corporation Industry in Canada today?

Because it looks like Hellsapoppin!

Gating for some, Reduced Rates Of Return for some, Receivership for a small few

And no one better to make sense of this than Derek

How to do Alternative Mortgages right & how some get it wrong

Let's unearth the facts 

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The Shocking Contrast between A Professional Financial Advisor & A Real Estate Wealth Coach

The Financial Advisor vets Tax Planning, Estate Planning, Insurance, Investments & more 

The Real Estate Coach only had ONE Strategy: Borrow MORE, Buy MORE REAL ESTATE

How this lust for Real Estate Investment blew up after 2009 & for some people has ended in Tragedy today 

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Dan is the President of Maple Financial a Major Canadian Alternative Lender

Why is Alternative Lending such a growth industry?

What's changed at the Big 6 Banks

How has Regulatory Changes made it harder for some Canadians to get a Mortgage

And how not all Lenders are alike 

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It's a big thrill to have Jenni on our Podcast

I knew Jenni before I ever met her from watching hundreds of hours of my Favourite Political Podcast: Curse of Politics

Jenni brings the honesty & bluntness to Politics that I hope I bring to Mortgages

Let's dive into the realities of the Political Moment today in Canada

Carney, Trump, Ford, the whole thing 

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Real Estate In BC With A Dash Of Alberta 

Politics, Policy & Prices are combining to create a chaotic environment on the West Coast

Steve Saretsky & I dig into the bizarre Aboriginal Band issues that are causing Real Estate upheaval 

The many Government Housing Policies that may be revised soon

The relentless decline in prices & sales activity 

And what the heck's happening with Alberta Multi-family projects 

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Alternative Mortgage Lending: Lots Going On In Ontario

Our guest is one of the top operators in the Alternative Lending Space & he is observing some big changes in the Marketplace

• Property Value Decline
• Increasing Mortgage Defaults
• More Power of Sales Actions
• More Stress In The System

Why are some Mortgage Investment Funds Gating their Redemptions

Are there some Corps Investors should tworry about?

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A deep dive on the last tortured stages of the Canadian Condo Crash with a man who knows all the secrets

Peak Insanity in Vancouver: You have to sign a Non-Disclosure Agreement to learn the REAL offer price on a Condo

Toronto sees Government Bailouts for Condo Developers: What's a Vulture Fund?

How did 4 random guys get $1.33 BILLION in Government Enhanced Lending with a $6M down payment

Sounds like End Times

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Telling The Truth Can Be Hard But It's NECCESSARY

Sam Cooper & I got to know each other years ago on Social Media when we were both looking into the effects of Foreign Money coming into the Canadian Housing Market: we were both pretty much vilified by what we wrote

Sam went on the become Canada's leading journalist on the subject of Foreign Money & Foreign Influence on Canada's Financial System & Governments at all levels

Bestselling Author & dedicated Journalist, it's a great podcast

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Let's do a deep dive on the day to day of Mortgage Brokering in the Ontario today

What are we seeing, what are the trends, what are the problems & what's going to happen next?

Rob Campbell brings us a street level view of the issues and problems faced by Ontario home buyers and mortgage holders. There are some bright spots, and there's some concerns. Let's break it all down

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What's Going To Happen In GTA Real Estate This Year?

Because there are some wrong ideas, misconceptions and outright misdirection about what's happening in the GTA real estate market today.

John has key insights and on the ground feedback about what to expect and also sheds light on what the hell happened to all those RE Brokerage Trust Accounts where the money disappeared. Let's take a look at the what to expect in 2026

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There has probably never been a better time to have the #1 Expert on gas and diesel prices in Canada on our show. As the war in the Middle East rages & the price per barrel of oil changing hourly, we need to know what we can expect. If the war goes on for any length of time; Dan has a startling and highly concerning idea of where the price per barrel can end up

Here is the analysis 

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A very deep dive on Canadian Real Estate Sales Trends & Price Expectations 

• How long can prices keep falling?
• How much lower can they go?
• Will the number of homes sold keep falling?
• What about Rents?
• Will Immigration increase?
• When is the Real Estate Recovery

We cover all this & more in an episode filled with facts 

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Special Guest Vince Gaetano- Principal Broker at Owl Mortgage

Ron & Vince break down what's going on in Ontario Mortgage World

With more Canadians being forced to get involved with Alternative & Private mortgage lending because of deteriorating Economic conditions there are far more things that can go wrong with that lead to bad outcomes

There are better strategies: better decisions to give better outcomes for borrowers 

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Great to have Jeremiah back on the show for all things to so with Commercial Real Estate in Ontario 

• What's going on with Condos Developmens?
• Has the Office Marker really taken off?
• What sort of Development Land Sales are going on?
• How are Warehouse Sales & Leasing performing?
• What's the Sweet Spot for Purpose Built Rentals?

We cover all this & more

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What's Wrong With Canadian Housing

Housing & particularly Young Canadians chances of Home Ownership is one of the most important issues in Canada today. How do it get so bad? Why is it so hard to fix? Why has government done so poorly on the policy side? Mike Moffat is the genuine article: a policy expert and and an honest broker of housing information. I have wanted him on the show for a long time, let's get some answers going

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AI: The Trillion Dollar Business 

We're pleased to Have Ron back on the Pod because AI just keeps getting bigger everyday

The last 6 months has seen an explosion of Capitol Spending on AI. Hundreds of Billions to grow AI in North America & beyond

What's the future look like? Will it turn out to be hype? Will it radically reduce some job categories

Let's find out

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Are Aboriginal Land Claims Becoming A Forever Issue? 

My Guest Bruce Pardy is an acknowledged Expert on Property Rights Law in Canada & the question of just how many more Land Claims we will see coming to Courts across Canada looms large

How many more? How will Claims effect Property Values

And most importantly why are own Construction may guarantee it will keep happening 

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Want to hear the latest trends in mortgage news? We have it. Blanket appraisal craziness. January marriage breakdown blues, what happens if people split but the house is worth less than the mortgage. The huge renewal wave is here. What's the impact? Consumer debt seems bigger than ever, should people refinance that debt? Or does it just make matters worse. Oh, and will we be hearing about the end of the stress test? All this and more in news from the front lines

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Real Truths About Real Estate

As more misinformation grows about the direction of the Ontario RE Market, we bring back Dan Foch to discuss reality

As some Realtors try to suggest we are "turning the corner" Dan can illustrate the facts

• Investors have vanished or switched to CMHC Multi-family
• First Time Home Buyers are making up a Bigger Share of the Purchase Market
• But prices are still too high for enough people to buy

Prices stay down 

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Senior advisor at Meredith Boessenkool & Phillips and Director of MBP Intelligence. Former Director of Communications for Pierre Poilievre

What's wrong with Houses Prices in Canada. Even though house prices are falling in some Regions most Canadian House Prices remain Bat Shit Crazy, far too high for Young Canadians 35 & Under to a comfortable chance of owning a home to raise a family in

We've been talking about this in Canada for the last 15 years with no real solution developing why can't we fix this after so long? 

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Canadian Resources Are Back

With Special Guest Heather Xner-Pirot- Director of Energy, Natural Resources and Environment program at Macdonald-Laurier Institute

Heather is one of our Country's leading experts on Canadian Resource Industries & there have been some huge changes. Why is a Mortgage Broker thinking about Resource Extraction: because that's the future of Wealth Growth in Canada & that's how Canadians will have money for houses

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Insolvencies Soar

Special Guest: Scott Terrio- Manager of Consumer Insolvency at Hoyes Michalos & Associates?

Insolvencies are growing in Ontario & there's some new flexes in that world

Did you ever think that Casino Gambling downloaded to your phone was going to be a positive? Or that buying rental Pre-construction properties was a guaranteed path to Wealth?

Ron & Scott have the details 

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The Contagion Speads

SPECIAL GUEST Mark Morris- Lawyer at Legal Closing

Wow! There is no sign of a bottom in the endless Dog Crate Condo Crash which we may upgrade from Crash to Catastrophe. Power of Sales for all types of Ontario Homes are heading for a Hockey Stick Graph

And Mark's amazing adventures in China, a country he has been visiting & doing business in for years 

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Road To Destruction

Special Guest Jon Flynn - Broker of Record at Flynn Real Estate Inc., Brokerage

How did we go so wrong in Canadian Real Estate. Let's go back to the beginning back 20 years & check the progression of Real Estate  twists & turns with a 20 year Ontario RE Broker & Social Media Influencer Jon Flynn

How did it all go wrong in Ontario

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Growing Alternative Lending

Special Guest Sebastien Kuperhause - VP of Sales Ontario at Sequence Capital

Possibly the biggest change in the Mortgage business in the last 10 years has been the explosive growth of Private Credit: Private Mortgage Lending

Why so much bigger, who is it helping, what's the future of it. My conversation with Sebastian Kuperhause

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How It Happened

Special Guest Sabrina Maddeaux- Columnist, Co-Host of The Missing Middle Podcast and Director of Communications at Global Public Affairs

Canada's House Prices are still Batshit Crazy High but how did we get here. Even though Prices are falling in some regions will they ever get to a rational level? And why did we end up building so many Dog Crate Hellscapes? Why did Planners & City Governments let it happen

We have the answers on this week's Podcast

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Special Guest Alex

We know money is flowing out of Canada but are Canadian looking to leave? Has Alberta Real Estate REALLY cooled down (Edmonton excluded) 

What's up in the BC Interior? 

Lots to talk about in this Pod 

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Let's Hear From The Opposition

Special Guest Adam Chambers, Conservative Member of Parliament for Simcoe North, Ontario

Let's talk to an MP who has been in Ottawa watching the Liberal Government's approach to Government: what's happened, what's likely going to happen & what the results have been so far

Ron's got some thoughts as well!

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Are Some People In Trouble?

Very Special Guest David Chilton

Bestselling Author of "The Wealthy Barber" and Former Dragon on "Dragons' Den"

David is the most famous Canadians in Personal Finance that I know, he has a New Updated Version of his Mega Seller the Wealthy Barber available now

We talk about, Real Estate, Housing, personal finance & too much temptation based on Ultra Available Credit 

And how will Canada weather the coming Financial Storm 

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Did Tiff Say Too Much

After announcing the 25 BPS Cut Bank of Canada Governor Tiff Macklem decided to tell everyone that was the last cut he is thinking about doing

Which sent Government of Canada Bond Yield soaring & possibly pushing Fixed Mortgage Rates UP

Tiff, when will you learn to just shut up about the Future: Remember how "Rates will be low for long" worked out, just say we will continue to monitor the Economy

Also on the Show 

US 30 Yr Mortgage Products

Should Canadians Switch to Variable 

What will happen to House Prices 

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Planning Dept. Silliness

Special Guest Ian Jones- President and Founder of BGI Group

A return visit from the voice of reason in Development World

What's changes happened that may help. Why it's still a 4 Year Adventure to get a Development Approval. What some Cities do wrong, what some smaller centres do right & how Ian's Joy Concept can deliver elder wellness living at 50% off the normal rents 

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What's Wrong With People?

Special Guest Samantha Power- Mortgage Agent at Mortgages with Samantha Power

We talk Price Decline Problems, First Time Home Buyers, Appraisal Fails, What went wrong in 2021 & the complete foolishness of some TikTok & Instagram Mortgage Brokers

What are they trying to pull? And why its so wrong 

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Special Guest Nick Hill- Mortgage Broker and Podcast Host

What's going on in the Investment Real Estate World Today? For a decade it was on FIRE. Today the fire is out

How bad is it now? Is there anyone still investing? How did it all go so wrong?

And are there regions of Canada where it still works? 

Nick & Ron get to the bottom of it 

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Facts About Housing, Mortgages & Future Trends with Special Guest

Scott Peckford

Scott is the Founder of one of the fastest growing Mortgage Brokerages in Canada- BRX Mortgage Inc.

We talk about current trends: the profound competitiveness of Mortgage Rates today

The Big Problem of Homeownership for Young Canadians & much more 

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What's Going On

Special Guest: Steve Saretsky- Ace RE Agent, RE Specialist at Saretsky Group and host of The Loonie Hour podcast 

Vancouver, Calgary let's break down the RE landscape

What's next for Canadian Real Estate? 

More Condo Chaos?  Residential Construction Collapse?  Will the coming Federal Budget make the Money Printer go BRRRR? Where will that lead? More Inflation? Could QE reappear?

Lots to cover 

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 We dive into the aftermath of the Bank of Canada Decision: what's the right approach Fixed or Variable, how to evaluate the Risks & Rewards. How to understand which discount from Prime is acceptable & how to compare with Fixed?

And how does Variable really work, do different banks do different things?

This and a lot more on this pure Mortgage Pod

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NOT A Great Investment

SPECIAL GUEST: Jason Pereira- Senior Partner and Financial Planner at Woodgate Financial Inc.

Jason is the perfect person to discuss the absolute disaster many Real Estate Investors face today. Because Jason has spent 10 years doing the math to explain to his Investment Advisory Clients that they were taking senseless risks buying cash flow negative Real Estate

We explore all the things that went wrong

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Ron & Sacha run through all the Issues in Mortgages today & there's A LOT 

• Horrible Real Estate Agent Advice 
• Huge Application Processing Backlogs
• Surge in First Time Buyers
• Which Mortgage to take? Fixed or Variable
• Surge in Foreclosures  /  Power Of Sales YIKES
• What's the future of House Prices In Ontario 

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Government Is Nuts

My Special Guest J.P. Boutros- Principal at Citius Consultants

JP is a Transit Project Insider who saw the abject insanity Transit from a top-down view. Why is virtually every Transit Project undertaken by Ontario & City Governments a spectacular failure? Crosstown LRT that can NEVER be given a completion date. The Hurontario LRT in Peel that is endlessly delayed

Let's find out why every Transit Project is a disaster 

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Bad Brokers Out There

SPECIAL GUEST: Julian Renaud- Lawyer at Renaud Law

Let's dig into to the small number of Bad Mortgage Brokers & evil Mortgage Corps 

The Rip-Off Off Artists, the people who only want to take advantage of Borrowers. The small number of Bad Actors who should be exposed

Julian is a hero for going after these guys 

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Let's End Mortgage Fraud 

Special Guest Lauren van den Berg

President & CEO at Mortgage Professionals Canada

Why ending Mortgage Document Fraud is so important to Housing & to Canada. Why did the Government say they would act 14 months ago but we still don't have a solution. MPC had been an eternal advocate for CRA Linkage to end Mortgage Document Fraud

Ron & Lauren break down the issues 

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Condos & MORE

SPECIAL RETURN GUEST: Dan Foch

Love having Dan back on the Pod

Clear, professional & HONEST Analysis on the 416 Condo Crash, how long will it last? How bad will it get? Will it change the way we finance Condos forever?

What about the incredible growth in Purpose Built Rentals, sustainable or not? And Foreign Buyers: WTF going on in BC? Letters to the Prime Minister?

And so much more 

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Condos. Unemployment. Rates

Special Guest: Anthony Scilipoti President and CEO of Veritas Group of Companies and Forensic Accountant

Anthony is a friend of the Pod & we wanted him back to explore what a massive loss in liquidity does to a Real Estate Market

How many $BILLIONS$ to be lost in the Condo Crash: Antony has was there at the very beginning 

How bad will Unemployment get? What is the future of interest rates?

We break it all down ok the Podcast 

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Special Guest Rob Campbell 

What's happening in the mortgage trenches? Renewal activity but do most people need changes & refinance not just straight renewal? What about Mortgage Rates: Fixed Rates jump, Bank of Canada NO CHANGE. Were there more purchases in the last 2 months.

Will that be a trend? What about just getting a mortgage? Is it harder

Ron & Rob spit Street Level Truths 

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How Many Jobs Gone?

My Special Guest is Ron O’Neil- Owner and Researcher of AI intelligent Solutions

He is a leading expert on AI in Canada with a special focus on Real Estate Industry applications

We talk about the mind-bending speed that AI is advancing at, just how it has changed in 6 months & how some jobs are already becoming obsolete

How fast will job elimination happen? Who are the biggest Winners (other than Trillionaires) & who are the Losers (Everyone else?)

Great insightful Pod

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Here's a Pod to hear all about the state of the Condo Market in the GTA, how about the reasons some Condo Buildings are BAD & some are GOOD. Ever wonder why Condo Monthly Maintenance fees SOAR after completion in year 4 or 5? 

Get ready for a huge dose of honesty & insight about the biggest RE development story of the last 20 years: GTA Condos: our guest Sam (@saberisixrealestate), has the tea

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Founder & CEO Owl Mortgage 

We welcome Vince back on the show for a 4th time

Vince is involved in Development of 5 Unit projects on existing Single-Family Lots & Wow he has some stories: You need to wait 2 months for a Consent that says a yard with no trees doesn't have trees, it's $1000 to add an "R" to an address & so many other City Approval horror stories

And what happens when Co-signers want OFF the mortgage 

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A Lender's View Of Mortgage Fraud

Albert Collu is the President & CEO of Marathon Mortgage & has over 25 years of Executive experience in the Mortgage Business. He explains the sophistication of today's mortgage document fraud activity. Why it's so dangerous, why it effects Canada's Housing Prices & it is so incredibly unfair to all the honest Canadians who yearn for Home Ownership but watch crooks cheat the system

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Edge Real Estate Analytics

Ben is simply one of the very best Macro Real Estate pros in Canada

He is ALWAYS the first person to make the right call on key RE Trends, often long before anyone else

We tackle: White Collar Crime in RE, the truth about population growth. What's going to happen with rents? What's next in a dead Real Estate Market. What the hell's going on with Blanket Mortgages? The Condo Crash

It's a packed episode 

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Jeremiah is an Executive Vice President at Colliers & one of the leading Land & Building Salespeople in Canada

This episode we are going to look at the current Housing Correction from the point of origin: buying the land to start the Development. He takes is through the Boom Cycle & the Bust Cycle

How did we get here?

And how long is this current cycle going to last 

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Realosophy Realty

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

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#1 Insolvency Trustees In Ontario 

Scott is a return guest with extremely timely updates on Insolvency Trends in in the Province. Hoyes Michalos is the top Consumer Insolvency Firm in: they have the best data

Truly awful Trends:

Massive Increase In Homeowner Insolvencies 

CRA goes wild - an extreme increase in Aggressive Collections

Credit Availability has DRIED UP

Indicators of the future right here

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Here's What's New

Ron & Sacha review the Breaking News on Mortgage Rates. Canadian 5 - Yr Bond Yields push 5 - Yr Fixed Rate Mortgage in the low 4% Range, the Sweet, SWEET 3.64% 5 - Yr Fixed Rates are gone, is it time to Switch Back to Variable

Also a flurry of house purchases in a really terrible Resale Market: what going on? It's Interesting: all the purchases were LESS than the list prices

And Ron has a message for BC Premier Dave Eby..... not a nice one 

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Want to Build Your Own House?

Derek is the President of Westboro MIC & one of their Specialties is providing Construction Mortgages to Ontarians to build their own homes. It's complicated, the Borrower needs a lot of cash to get started & should be prepared to for a complex process to finish but it's possible

Ron & Derek cover the Private Lending landscape in detail 

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Nobody Knows Real Estate Like An Expert Lender

Nick Is one of the very top Equity Lenders in Canada

His Company RiverRock Mortgage Investment Corporation is one of the best run operations in Ontario

Ron & Nick break down Product & Regions in Real Estate & Mortgage all across Ontario 

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On The Street Mortgage Broker Feedback 

Rob is one of our favorite guests & this Pod is so damn funny

What's going on in Mortgage World: Purchases way down, Renewals & Refinances way up

How the economy impacts on Mortgage Choices & it is really starting to go in direction

What should we expect from the economy in the next 2 quarters

And GOD SAVE KING CHUCK 

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What A Finish!

One of the most hard fought & important elections in generations comes to a close & some people are cheering & others in tears

And Real Estate in Ontario in particular is entering a new phase of worries & most importantly the need for urgent attention to Low Rise Housing development had never been more compelling

Ron really loses it on the insanity of the Greenbelt 

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Trump Moves Mortgage Rates In Canada

Sweet Jiminy Crickets who would have thought a US President could swing Mortgage Rates so far, so fast: Ron covers it. What happens April 16th? What will the Bank of Canada do? Cut or hold? Where will Prime go during the year

What are the 3 biggest lies in the Mortgage business: we have lots more than 3 and we are going to cover them all

And Ron's Gross Rant: the craziness of Politicians promising to build 500K Homes a year  

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A real pleasure to have Legal Closing Founder & Ace Real Estate lawyer on the Show

This is the ultimate Deep Dive on the 416 Condo Crash & it's all the gritty details, we will go all the way back to 2010 & track every step on the road to the Disaster Toronto Dog Crate Condos face in the next 24 months

Big Episode but we'll worth it 

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Canada's Economy in the Crosshairs, the constant assault of the Trump Tariffs / Trade War looms over every strategic thought in Canada today & the uncertainty of the future of auto parts & car assembly plants can change the Bank of Canada's approach to Rate Cuts in a huge way

What happens on April 16th

Will Inflation come back

What Mortgage Rate to take

Let's get into it 

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Really a privilege to have Julian on the Pod, CAPREIT is the largest Landlord in Canada & the spotlight on affordable Rental Housing is bigger than ever

We cover: 

- Why huge professional Landlords just make more sense 

- Why Renters may be much better off with REIT managed properties than Mom & Pop Landlords

- The coming 416 Condo Crash & the implications for the Rental Market

- How Dog Crate Condo reductivism betrayed Renter & Investors 

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We break down last week's BoC Rate Cut & the future of Mortgage Rates for the next few months

How does it affect the Housing Market moving forward? Because there is a lot going on in Real Estate! Listings are piling up, sales have fallen off a cliff,  Mortgage Underwriting is tightening up

We are entering into a whole new world of Real Estate in Canada

And Ron had a HUGE rant to make 

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All about Commercial Mortgages

For the first time on the Pod a deep dive on the Commercial Mortgage Market

What are the trends, what's the Outlook, what to expect next year

The effect of the Trump Tariffs are highly impactful on the Commercial Mortgage World. Vanessa discusses how just the FEAR of a Trade War is rippling through Canada: just how hard will it be to get a Commercial Mortgage done?

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The CEO of the largest Residential Real Estate lawyer in Canada Axess Law is our guest & do we have some interesting facts about Fraud attempts at the Lawyer's Office

Elder Abuse is off the charts when it comes to adult children trying to take advantage of elderly parents through Title & Mortgage Fraud & the stories about FAKE Wives are both sad & hilarious

Welcome to the world of RE law that you have never known before 

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And why does it take so long to get anything in Ontario approved: I have the right person to give those answers.

Our Special Guest Ian Jones has nearly 60 years of experience building Condo, Commercial Mixed Use & you name it in North America 

He had lived through the highs & lows of those 60 years of Building & Development in Ontario & no one can tell the story of the coming Condo Crash, the relentless challenges of Government induced expense & complexity better than Ian

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Today Fixed Mortgage in Canada have become a part of the ever changing, never calm, always in turmoil world of Donald Trump: Tariffs ON / Tariffs OFF / Tariffs for the Whole World. And throw in some US Federal Reserve Chairman Powell for a bit of extra action. Canada Bond Yields & Fixed Rates fell 2 weeks ago & 3.94% 5 – Yr Fixed Rates popped up everywhere, a week later Bond Yields retraced 20 bps & very low 4% became more normal. Let’s assume after Jerome Powells Hawkish stance that the US Fed has stopped Cutting for awhile (don’t believe the no cuts for a year stuff)

On the Canadian Housing front although Detached Sales showed signs of Life the Future of Pre-Construction Dog Crate Condos in 416 looks dark indeed. And in BC Premier Eby who was a leader in the fight for affordable housing is feeling the heat of a Big Budget Deficit. And Ron’s Rant points towards the future of Canadian Jobs & Economic well being.

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The big story of last week in Real Estate was a big downward shift in Fixed Mortgage Rates in Canada. Many Fixed Rates dropped below 4% with brief flashes of 3.84% on CMHC purchases

Some Conventional Rates under 4%

BIG DIFFERENCE from 4.59% - 4.39% just 2 months ago. Does this mean now is a good time to buy a house? MAYBE But with the return of the Trump Tariffs a possibility is buying a home today to chancy

And welcome Jeanine Borges our Butler Mortgage Office Manager to the Podcast & NO she didn't lose a bet with Sacha  

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When we record the Pod on Friday there was still debate when Tariffs will start & whether Oil & Gas would be a carve out but please hear this: the volatility on Mortgage Rates is big. Huge fluctuations in 3 & 5 year bond yields are creating a Roller Coaster effect which may lead to lower rates this week

Resale Purchase business had ticked up in January but still tons of listings so a Buyers' Market which creates some of its own chaos

Bottom line? Mortgage Borrowers MUST shop for best rate

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Scott is the Manager for the Biggest Private Consumer Insolvency Firm in Ontario: Hoyes Michalos. Insolvencies based on Real Estate related issues have soared in the last 18 months.& Scott has the insights & analysis from the ground floor of the financial disaster zones

The lessons of Co-signers, the perils of building a rental empire, the confluence of everything going wrong at once & what can be done to work out debt problems. An episode packed with unique insights .

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Sometimes you must investigate what is going in the trenches of the mortgage business: what are borrowers saying, what they are they thinking. This week we have Sacha Fabry a Front-Line Mortgage Broker at our company who is fielding over 100 calls a week from mortgage borrowers. What kind of mortgage do they want, how bad are the renewal increases, is there really a mortgage rate WAR at the Banks? Why to NEVER trust the First Rate you are offered? Is it genuinely getting harder to get a mortgage? All this and more at Angry Mortgage.

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We needed a bigger Podcast to accommodate one of the most important people in the Mortgage Business: John Webster. John's contribution to the Mortgage Brokerage space is legendary & we cover the history of his innovations, breakthroughs & domination of Mortgage Broker Origination. We touch on Housing Policy, Mortgage Qualification & the implications of the new LTI Portfolio Rules & how they will effect mortgage borrowers in Canada. And how John is standing up a whole new mortgage operation: Maple Financial revolutionize Alternative Lending in Canada 

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Rob is back on the show a record fourth occasion because well, he's just that good a guest. Let's talk Mortgages: what's the truth about the massive renewal year we will have in 2025, huge boom for mortgage professionals or total bust as incumbent lenders match every rate offer. What about home buyers? Where are they? Are there any First time home buyers? What about the rental marke? Where are mortgage rates going? Finally Canada will have a new Government soon. What effect on mortgages & the housing market? 

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Our special Guest is the Founder of Veritas one of the original Independent Financial Research Firms in Canada. Anthony is one of the few Researchers who employes Street Level investigations to reveal the truth about markets: wait till you here the story of going out & buying Condos to understand the sales tactics used by Developer’s Agents, the make-up of the Buyer Pools & the Psychology of the Condo Market place. We review the current Toronto Condd Crisis, the effects of REVERSE Immigration & what the Condo Crash means to the Big Banks. Thoughts on the Future of the Canadian Economy. Are we the midst of a Made in Ontario Recession?

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Our Special Guest is a one of the true Masters of Social Media & has a massive & loyal following on Tik Tok. We delve into what makes Social Media Marketing work, what doesn’t work & how you should do it. The aftermath of the Bank Of Canada Cut, Yesterday New Mortgage Guidelines came into effect: review & what to expect. Why the heck are homes so far away from Vancouver & the GTA so expansive? Little rural towns 1.5 hours drive away from New York aren’t over $1M why in the world are houses in the middle of nowhere away from these cities worth over $1M?.

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Bad Jobs Report up to 6.8% worse news for Ontario: 7.6%, only Alberta & Quebec created any employment growth. Bank OF Canada Announcement on Wednesday: Will they cut 50 BPS? Many think so. 25 BPS is guaranteed. Much MORE important the cuts will keep coming, expect a 2.50% BoC rate by Summer 2025. Let’s get clear, the correct answer to 75% of the “Which Mortgage” question is Take Variable. We will here a lot about the Falling Canadian versus US Dollar but let’s be clear: The BoC will let the currency go to pump the failing economy.

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We made it to 100 which is quite an accomplishment for an old guy. Big News on Mortgage Rates, how fixed rates & Variable are diverging at this moment in time. How much? What’s the right strategy, Ron Breaks it down. Will the Bank of Canada continue to cut? Ron gives his reasons. New sneaky elements to the Toronto Condo Crash, what if the Developer offers a $50K Credit to Pre-Con Condo Buyers who refuse to close? As long as they don’t tell everyone else who is closing at Full price? And what the hell is LTI Portfolio Testing & what will it do to mortgage rates?

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No Stress Test On Renewals is the good new story of the Week, we dig into the details. We need to improve the ability for people with renewing mortgages to SHOP. In a country with just 6 Big Banks running the mortgage business its critical to be to shop for a better rate at point a mortgage renews A major step forward on ending Mortgage Document Fraud in Canada: are we close to getting this fixed or will there be more stalling, Ron breaks it down. Vince relates the difficulties, Red Tape, confusing rules & general lack of interest of the City Bureaucracies in trying to build exactly want the City Council has DECLARED they want to build. How crazy government Bureaucracy screws up every good thing. Ron’s Rant: the $6 BILLION DOLLAR BRIBE. Will Canadians sell their votes for $250 Bucks?

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Canadians are hearing a lot of warnings about Fixed Mortgage Rates going up. Is it true? Will Fixed Rates Go Up? They actually have already by a tiny amount but is that just noise of the start of a Trend Upwards. We do the analysis & figure out what’s really going to happen. The incredible Canadian Immigration Disaster: What happened? What went wrong? What’s going to happen next? Viewer Mail: Does Parental Leave effect Mortgage Qualification? And the Rant of the Week: Can we really build anything anymore: The Unfinished LRT’s 14th Birthday & the Bullet Train straight to Hell

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One enormous lesson from the US Election is that a Government’s or an economist’s view of a national economy is TOTALLY different from want an average person feels about how they are doing & those people will vote the Government OUT if they think they are worse off. Same In CANADA?

Rate Review. Viewer Questions. And the incredible story of how one company screwed 10’s of thousands of Homebuyers in Canada out of Millions with an 800% Price increase. And Ron’s Rant: Who the heck is the real Randy?

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A lot Has Changed For The Big 5 Banks Since 2016: And They Did VERY WELL. B-20 Restrictions & then B-21 & then Stress Test increases & host of rules designed to tighten down on how Banks can lend had the amazing result of creating Super Select Borrowers for the Big Banks, so far during a massive increase in Rates & a tightening Canadian economy 90 Day Default Rates have remained mind bogglingly low at 22 to 24 bps. Frances & Ron review just how different mortgage lending was before 2016. Fresh economic news support Bank of Canada Rate Drops. Ontario Housing Starts Collapse based on the Province’s own Fall Economic Statement (forget Ford’s promise of 1.5M new homes)  

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This is Rob’s THIRD time on the Podcast even if Ron completely forgot to introduce him (WTH) So MUCH mortgage stuff to cover. Newest rumors of future Emergency 50 BPS Rate Cuts by the Bank of Canada in December. Important questions about who can benefit from CMHC rule changes. What’s going to happen to Real Estate prices? SUDDEN REVERSAL by Ottawa on Immigration: what’s going to happen to house prices & rental rates? And WTAF is Doug Ford thinking?

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We are lucky to have a true expert on the Pod today, Daniel Foch researches & analyses Real Estate Development from the initial Land Purchase, approval, construction all the way to the final buyer who will live in the home. And although the Toronto Condo Crash may seem regional it has the potential to impact the whole Canadian economy: 50K Dog Crate Condos that will be finished & need to close in the next 2 Years & Danial’s key point is brilliant: Do you want to lose your money FAST or lose it SLOW because that’s going to be the choice. Once you see the numbers broken down it’s clear the are Billions upon Billions at risk

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The new CMHC Program has driven a small group of Realtors WILD, way to much rule twisting. If we are going to DOUBLE the CMHC limit & allow it on Refinance (YIKES) lets PLEASE bring an end to Mortgage Document Fraud. It’s just TIME, there is too much RISK with $1.9M loans (including Insurance Premium) Hey Federal Government take the pledge: CRA linkage NOW. Turns out 45 year olds who bought a house 6 years ago want prices to go up! Bad News at TD  Bank. Private Mortgage Defaults SURGE. And GOLLEE Premier Ford can we please get some houses built?

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Ron was on the panel at a great Housing Conference hosted by Veritas last week & there was a ton of great info: Things in the GTA Pre-Construction Housing Market are even worse than we thought: Closing Cliff is rolling at us, Mayhem in the Assignment Market, in 5 years there will be NO MORE NEW CONDOS…… yeah I know it’s wild. What is happening when you have a Variable Rate, the Bank of Canada has cut 3 times & yet your payments have not changed a cent? Ron Explains. Questions from the Viewers Answered. And what’s the screwed-est congestion city on Earth…… you guessed it. 

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No Stress Test On Renewals coming soon. We have the details & the reasons  Mortgage Rates Keep Falling, 3.99% on CMHC 5 – Yr Fixed, when do all mortgage terms start with a 3? It’s possible to make mistakes on Mortgage Terms and Deadlines for Rule Changes: Let’s review how it all works & avoid any costly errors. And Ron’s Rant about $68M in Tax Payer dollars just LIT ON FIRE

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Quite a week in Mortgage World, we cover the Big CMHC announcement, who is it all really for? So many big moves on the Rate Front: the US Fed rocked interest rate world & BoC Governor Tiff Macklem was ecstatic (even if he won’t admit it) Some really interesting Viewer Mail: Why the Hell AREN’T those Variable mortgage payments coming down when the Prime Rate IS coming down. And Ron’s Rant: Do Government Bosses give a tiny DAMN that they work a snail’s pace, don’t expect Government workers to pick up the slack for bad bosses failures.

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Wow, this was a total shock, the Federal Government kept this under wraps: CMHC Amortization From 25 years to 30 years for EVERY First time Home Buyer not just New Construction Homes but the BIGGEST thing $1.5M instead of $1M Cap on Government  Insured Mortgages. Yes Folks, a $1.5M home in Canada is actually a STARTER HOME. Because the truth is if the Key Government Sponsored Housing Programs is based on $1.5M, the program Canada designed to help Young Families buy their first home needs a $1.5M target as a First Home. WTAF is wrong with these guys.

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Unemployment hit 6.6% Is the Canadian Economy headed for the dreaded “R” Word? Shhhhhh…. Nah I will say it: RECESSION. One Employment Report does not mean Recession but a constant trend, and we’re 4 in a row is a bad trend & if it keeps heading past 7% then 8% is next in line. Ron breaks down the crucial indicators that point toward more job losses. Rates keep coming down, is there a new Rate Strategy for renewing mortgages & prospective House Buyers? And what happens to the Real Estate Market with Mortgage Rates Falling: Tik Tok Real Estate Agents say its going to the MOON! But let’s look at the facts. And Ron has a rant about “The Economic Plan IS Working” IS IT?

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The Bank of Canada Meeting is Sept 4th & the Rate Cuts will keep on coming: how many should we expect? There is a lot of reporting “Noise” about the Canadian economy, what’s important, what’s not & how to tell the difference. The kids are back in school the Summer is almost over: The Fall Real Estate Market is about to start….. Or is it? Let’s discuss. RBC CEO Dave McKay declares a Mortgage Rate War! Is that true? Maybe it is. Viewer Mail & WTAF is going on with Government telling us things are great?

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Huge Shift In Thinking From Central Bankers. Last week many of the worlds Central Bankers met at their Annual Conference in Jackson Hole Wyoming & the ending speech by Fed Chairman Jerome Powell signaled a complete change: inflation is no longer an issue, now it’s the speed of cuts to save economies. Time to think of Variable Mortgages again? We break it down. Are some Home Buyers in 2020 – 2022 stuck in their houses? What the heck with $3B in US Government fines at TD? And WTAF: More sheer Government Incompetence

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Another Government Scandal? Has The Temporary Foreign Workers Program which has been great for years been hijacked into a kind of modern servitude? Has our Government actually engineered Wage Suppression to keep Canadians poor? Has this previously great program has turned into cheap workers for Fast Food restaurant owners? Jann is under the weather so Ghaith from our Sales Group fills in this week. More Mortgage Rate strategies. Viewer Mail. Housing Start info & WTAF!!

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What happens next as rates fall, will RE prices take off? What is the right mortgage product to choose today? Still 3 – YR? What about 1 – YR? Variable harmed many Mortgage Holders but is it time to reconsider? New Home Construction collapses in Ontario, what’s the reason? Is there a Solution? CMHC’s Multifamily Rental Program was doing some good so naturally it was changed for the worse. The soaring Rental Cost Virus goes from BC & Ontario to other provinces. Ron’s Rant: WTAF is with Promissory Notes

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Are NEW 30 Year Amortization Changes Really Good For Anyone? We have our doubts! 4M New Homes says Finance Minister Chrystia Freedland, please Minister Freedland don’t say this lie anymore. RATES GO DOWN! Ron talks about developments in the USA that impact Canadian Mortgage Rates. Did the Supreme Court Of Canada just publish a decision that HELPS White Collar Crime? Ron thinks they did. BIG RANT: Private Mortgage Rip Offs that will make you sick. 

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Condo Madness continues, will it get so bad that Government  would consider a Bail-Out, Ron’s simple answer: HELL NO, how bad will things get? Will the Ontario Economy gone past the Crapper Stage. Just how sure is it there will be a much lower Bank of Canada Rate next year? Pretty Damn Sure. Perilous times for the Construction Industry. And Ron’s Rant: Toronto wants to TAX PAVEMENT?

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Honestly there we many years that the mortgage business was pretty quiet & boring, 2010 – 2019 there were policy changes but nothing too crazy BOOM Covid happened & since then Real Estate & Mortgage World is something new every week.

Canadian Retail Sales Report all bad news: Is the Economy sliding into the CRAPPER. Bank of Canada Announcement Tomorrow: do we already know what is going to happen? More Condo Craziness & will it spread to Single Family? Will Banks change their approach to Mortgage Lending in a Recession? Viewer Mail WTAF: Flood Insanity.

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If interest / mortgage rates are going to this year & next year won’t Real Estate Heat up again? Will it be time to buy soon? Actually….. Maybe Not. We break it down. Should anyone pay $270K to GET OUT OF a Pre-Construction Condo Purchase? Looks like that’s a definite possibility: find out why. Mortgage Fraud Update: please let it end. Viewer Mail & WTAF: Why do we have Booze Communism in Ontario.

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Unemployment not good, Fixed Mortgage Rates edge up, we’re not sure we get another Rate Cut from the Bank of Canada in 2 weeks & Home Sales hit a 28 year low in Toronto. Hey Ron any good news: sure there is, its July & the weather is good. Stick around till then end for an EPIC rant about the 4M new homes that are an utter lie.

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We cover Rate Movements, the next Bank of Canada Rate Move: What to expect & Why. Hey! If its another edition of Angry Mortgage there has to be some more Mortgage Fraud to cover. What’s up with Vacation Homes & Cottages? New trends & what to make of the bump in Cottage Real Estate. CMLS & Nesto, what just happened & what to expect. Viewer Mail An WTAF: Jann joins in on the absolute insanity going on in Toronto

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Too much many incidents, too much tragedy, too much money lost, why is it happening? Why are we hearing about so much of it now? How can borrowers & investors protect themselves? Ron breaks it down. Rate World: will Variable become an option? Maybe not yet but when? CBC Program on Condo Sales Problems: Ron was in on that show. Viewer mail bag: questions get answered. WTAF: we need to wake up and see recent immigrants the right way.

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The concerning direction of rental Condos in Toronto: should we be worried? Let’s break it down: BIG Mortgage Rate News: we have been waiting for the Fixed Rate Mortgage cuts, looks like they finally showed up: maybe a 50 bps cut, we analyze next week in Rates

Mortgage Fraud Update: Who’s suing who? And a wild WTAF: Can’t we actually fix ANYTHING.

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Our Special Guest Vince Gaetano reveals the sad truth behind the City of Toronto’s hellacious Permitting system, the utter insanity of building anything inside the City, the endless Neighbor Complaints, the bizarre process of managing the City Inspections

Oh, and the very worst thing about this mess: the Builder is providing EXACTLY the kind of increased density housing the City is BEGGING for. And wait till you hear about the City’s fees & levies

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Aftermath of the Bank of Canada Rate Cut. Rate trends can be based on analysis but the Housing Market gives way to Prediction. The growing scarcity in Low Rise New Construction. Condo Market in for a Kicking in Toronto. Mortgage Fraud Update: Greg Martel, Claire Drage and some rumblings about “who cares about fines” Viewer Mail: when do payments drop? An Australian Bank is going ban CASH. And WTAF is going on in Ottawa: Treason?

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Rate Cuts in Canada become Destiny whether it’s June 5th or July they’re coming: the GDP Report drives it home. Bank Financial Results put a stake through Canadian Credit with growing Loan Loss Provisions. With BoC cuts what is the new Mortgage Rate Strategy? How will Investment Property Buyers react: it ain’t looking good. The Ontario Mortgage Broker Regulator sets the Industry straight: no tolerance for any Bad Actors. Viewer Mail. And WTAF: Time to get Serious.

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3 Big Mortgage Brokerage Scandals rock Ontario: With Special Guest Frances Hinojosa

2024 has been the year Ontario Mortgage Brokerage Regulator FSRA has proven they are on job & very serious about investigation

2 Notice of Proposals for License Suspensions & one Mortgage Brokerage Owner who handed in her license. Ron & Frances review the files .

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Real Estate Sales in Ontario seems to have shut down: some answers & some suspicions. How bad will things get on the Office Side office side of Commercial Real Estate? What should we think of Variable Mortgage Rates Now, Time to Re-evaluate? Something is up with Foreign money coming into Canadian RE? Looks like it VIEWER MAIL, & a Special for Toronto’s Road Work.

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Announcements! $10K Challenge! OSFI Cracks Down!Doom Scrolling & Rage Farming. Will overseas money transfers screw up house purchase mortgages? The Big TD Bank News trickles down. What happened to the Spring Real Estate Market? Rate Action & a heartfelt WTAF

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Huge News: An In-Depth review on one of the highest level Mortgage Fraud Charges in Ontario history.

Props to Ontario's Mortgage Broker Regulator FSRA: after a comprehensive 2 year review a Notice Of Proposal was brought against William Handsaeme the Principal Broker of the huge London Ontario Brokerage Forrest City Funding 

Ron will run down the details, the fines, the license suspensions & how the hell it all works. + Mortgage Rate News. Worrying trends in New Construction Starts in Ontario & BC 

And Rant from Ron about the seemingly endless incidents of Mortgage Fraud WTAF!!

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Big Rate News on Variable Mortgages. The message out of the USA on the future of Canadian interest rates. What’s happening in Real Estate Sales Across Canada The breakdown of Rental Condos versus Low- Rise Homes WTAF is really up, why do many Canadians feel things are just not working out the way they should

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Summing up the huge number of Government initiatives to do with solving Canada's Housing Crisis. What works? What won't work? What's just BS? More Mortgage Rate News: It ain't pretty. When will the BoC drop rates? And a big WTAF Rant.

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Capital Gains Tax Increase & Property Sales: it ain’t pretty. Should Canada Ban Huge Corps buying up individual houses, Hell Yes!! Calgary Mayor says all young people want to Rent & never buy a house: it’s a Freedom Thing…… Say WHAT! How small are some of these new Government subsidized units going to get? Does a 330 sqft unit seem a bit small? Bank of Canada has a big dilemma. Viewer Mail! WTAF happened with the GOLD HEIST

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After 10 years of Ron beating the Drum in Mainstream & Social Media, 2 sets of Ron’s Testimony before Parliamentary Committees last Friday the Housing Minister Sean Fraser announced the Federal Government will commence consultation to allow Financial Institutions to verify Borrower Income through CRA : What a Breakthrough, thank you Minister. More Housing & Mortgage News on 30 CMHC Amortization and mortgage extensions for Financial Hardship. Mortgage Rates Update. WTAF can we please get a Full Time Finance Minster

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Government keeps throwing  money all over the place but so much of it is aimed at what is destroying the Federal Government in the polls: Housing & affordability. Another $15 BILLION rolled out for rental apartment loans: when will something happen that helps people who want to BUY a home? Rate Movements this week! more bumps in Mortgage Rates. Is it going to get harder for Canadians to even get a mortgage?  Facts & Fiction And What’s with the Eclipse? Is this the first frigging one ever?

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What a Week! The Federal Liberal Government ran out the completely fake Renter Bill of Rights: We break down that Tissue of Lies

OSFI the Bank Regulator laid plans to make just a little harder for Canadians to get mortgages in 2025. Blind Trust Insanity: CRA created a massive paper jungle for anyone who wanted to co-sign on their kids house. And when the Competition Bureau told the OSFI boss Peter Routledge he needed to change the Stress Test on straight renewals Peter told them to Eff Themselves

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Crazy Canadian House Prices make it so hard to qualify for the huge mortgages needed to buy homes in Canada, let’s break down why housing is so screwed up. Rate Update. Viewer Mail. Why the heck are we stress testing Renewals? The Competition Tribunal Agrees with me that it makes no sense. WTAF sense is there in defunding roads but spending $40B on EV battery plants.

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Understand this: when CMHC says Housing Starts are up, when the Federal Government says $Billions$ are being spent through the Housing Accelerator Fund, when Provincial Spending $Millions$ to improve Housing Starts: its NOT many Houses to buy: its mostly rentals. Don’t be fooled 2024 will create far FEWER houses to buy than in the last decade: the TRUTH about housing in CANADA.

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Mortgage Rates are changing, housing trends are changing & we are coming into the key Real Estate Selling Period of the Year. What’s going to happen? Jobs Report: True or False? Random BS or Facts? Ron Analyses it Some interesting questions from Viewers. WTAF: A return to a horrific Government Scandal with an epic rant.

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How can Young People In Canada afford their first homes: THEY CAN’T Not in the regions of Canada where most people live

The result is unless Parents give MASSIVE help they can’t buy. What’s up with Rates? Promissory Note Scandal Update. Viewer Questions

WTAF with Arrive-Scam? Did those Crooks steal $400M of Taxpayer Money?

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And they’re wasting our Tax Dollars at an incredible pace: Bureaucrats are destroying Canada’s hope of lower prices for New Homes: we list some crazy examples and some Provincial Government Organizations are acting in ways NO ONE can understand. Updates on Mortgage Rates. More news on the Promissory Notes fiasco. Does BC care about home owners a hell of a lot more than the Ontario Government? WTAF, what’s stopping us from fixing Mortgage Document Fraud?   

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The ongoing heart wrenching story of Promissory Notes gone bad. Hamilton Mortgage Broker Claire Drage has promoted millions of dollars of Promissory Notes to Investors who got an email last week that the payments have STOPPED. Ron explains what happened and how to recognize these scams. Latest Mortgage Rate Trends. More Mortgage questions answered, what’s up with Home Sales. WTAF is now used in Canada’s Parliament?

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Angry Mortgage covers Government policy mistakes, taxation stupidity & why government conferences NEVER produce solutions. An update of massive Private Mortgage & Promissory Note Mismanagement & Lies: Investor Losses increase daily.

Viewer Mail: questions get answered.

Latest Mortgage Rate Movement.

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A feature on some of the oddest stories coming out of Private Mortgage World? Will things get even stranger as the year goes on? Mortgage Rate Action for this week. US Job News, Canadian GDP And Ron’s rant on Immigration Minister’s Marc Miller’s recent interview.

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Real Estate is so expensive people quit having kids. What happening with Rates? Will the Ontario RE market pick up? Does that mean higher prices? How to we FIX Housing : people are tired of us complaining about RE Prices how do we fix it? WTAF is the Government doing about Car Theft: Ron’s Angry!

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Ann is one of the consummate professionals in the Mortgage Brokerage Business, she relates how massive technical stills in mortgage underwriting can bring powerful benefits to Borrowers, how current Brokerage trends may be discouraging this skill set & how the mismanagement of the City of Toronto is forcing her to change cities.

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Why does it all levels of Government so LONG to recognize: problems, mistakes, clear misses & needed changes, the public has talked about needed changes for months or YEARS before Government even seems to know something is even happening. There HAS to be shorter Reaction Time. Ron Surveys sudden Rate movements. Angey Mortgage makes the Bank of Canada Rate Decision BEFORE the Bank does. The impact of endless renewal rate increases Viewer Questions Answered AND MORE.

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Huge Property Tax increases across Canada record setting jumps, Power of Sales & Foreclosures taking off: one Lender files 27 foreclosures in 7 Days WTH? Why? How bad will it get. Latest Rate News: coming down!  Pre-Construction Mess: things aren’t going in the right direction, more problems everyday. WTAF Rant: Are Canadians getting poorer individually because that’s what Per Capita GDP is telling us!

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Are young people giving up on Canada because home ownership is hopeless and rents are too high? Just how much have condos gone up in Ontario? Too high to work for investors anymore? Have 905 & Fraser Valley homes taken a hit? Why are there no 30 Year Mortgages like they have in the US in Canada? WTAF: is up with CEBA loans?

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Ron breaks down the latest Debtonation Video from Pierre Poilievre: What are the facts? New Construction Appraisal Disasters: Growing consistently

Fixed Rates keep dropping, how far, how fast? WTAF is going on with Tik Tok Real Estate Agents & Mortgage Brokers

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Rob is the first 2 time Special Guest and we hit all the 2024 predictions: Mortgage Rates! House Prices! Elections! Long frigging list.

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US Federal Reserve shocks Mortgage World, Canadian Bond Yields fall off a cliff, will lower mortgage rates create a Real Estate Bounce in the Spring? Or will Recession & Rates in the high 4% Range do too much damage. Ron lights up the Landlord & Tenant Board.

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Unpacking the Bank of Canada announcement, Fixed Rates Fall: 4.89% SHOWED UP. What’s it mean for Home Prices, also what an economic downturn means for house prices. And another Epic Ron Rant!

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Bank Loan Loss Provisions, GDP Reports, the Race Between Mortgage Rate Cuts & Recession & Ron looks like he may pop a vessel in his Toronto Rant.

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Airbnb BIG News, The Finance Minister Introduces the Canadian Mortgage Charter: is it utter BS? NEW Inflation Print is in. Has Tiff Macklem run up the White Flag on Rate Hikes? And More Mortgage News.

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The Mortgage Landscape in Canada is changing fast, everyone hated Variable Rates for the last 20 months now the number of people CHOOSING Variable Rate has increased 550% in just 6 weeks. RE Sales Volume continues to grind down everywhere but Calgary. Is the Recession here? And a real rant on WTAF.

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Big Show: Ron Goes To Parliament! Wild they would let him in! Ron testified before the Finance Committee on several topics: Mortgage Income Document Fraud comes under the microscope, Short Term Rentals need to be banned, House Prices in Canada MUST come down: Fairness for the Next Generation is sorely needed. WTAF! Just under 10K New Canadians arrive every WEEK in Canada & TODAY there are FEWER Homes being built. URGENCY in solving this disaster is becoming overwhelming.

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Albert Collu is the President & CEO of Marathon Mortgage Corp and has been a high level executive at both Lenders and Brokerage Networks for over 20 years. Albert brings us insights into how a Mortgage Finance Company actually works and shares his knowledge on what’s facing the Canadian Mortgage Space. It’s exciting to host a mortgage industry leader like Albert 

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Jann & Ron discuss the rapidly changing Fixed Rate Landscape, how big a drop, how soon, how far will they fall and what about Variable Rates and HELOCS? What’s the Bank of Canada doing that may have caused this drop. What the hell have Boomers done to the youngest generation of homebuyers. And WTAF is the Immigreation department doing about getting the right professionals and Trades into Canada

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Jann and Ron discuss the Bank of Canada’s recent No Rate Increase Nothingburger, what was Tiff Macklem really trying to say in his Press Conference, are we just being Manipulated? Are the Canadian and US economies becoming VERY divergent? Will there be more Condo Construction Failures? Sure looks like it. And WTAF is going on with White Collar Crime in Canada

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Julian Renaud is a lawyer with difference, when he saw scams he attacked them: Water Heaters, Furnaces, Water Softeners, all illegal and unethical scams to enrich evil doers. Hear the awful facts: making Millions tricking the Elderly

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The Biggest Most Expensive Condo Construction Project in Canda went broke last week. The $1.6B project known as THE ONE went into Receivership, plagued by high leverage, soaring financing and construction costs this project has been in trouble for a couple years. But is it a sign of more to come? Yes and No. There are some home and condo builders in similar situations but very few of them and nowhere near as big projects. The vast majority of builders and developers will finish their projects.

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Derek is the President of Westboro Mortgage Investment Corp and old friend, Derek charts his journey from RBC Management through to the Mortgage Brokerage Space and now at independent Lender Westboro. All I can say is the numbers speak for themselves as Derek grows the enterprises he leads Great Insight.

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Ron & Jann (Natalie is back next week) talk about Banking History, how Canada’s Financial Pillers were combined in Bank’s favor, the insanity of Financialization and a rant from Ron on Car Theft: Why is Canada running Catch & Release for Car Thieves?

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My Special Guest is Denise Laframboise of BRX Mortgage, Denise has an amazing story of coming from a Non-Financial background to Chief Operating Officer at BRX Mortgage in just a few years, she shares how her devotion to Training and Sales Development built her career and how BRX became a perfect fit to a still higher level of success.

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Jann is filling in for a vacationing Natalie this week. We talk about the Duration of high rates, just like Prom Night some people will be disappointed and long-term high rates impact on Real Estate prices in Canada. Can you convert underused Office Buildings to Condos and lots more.

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Kerri Reed is one of the most accomplished Leaders of a Large Mortgage Brokerage, she is the Principal Broker, Co-owner of Premiere Mortgage Centre and a dear friend. We talk about Kerri’s start in Banking as a teenager (no kidding folks) and her path to leadership in one of the biggest mortgage operations in Canada. We talk today’s problems and the future of Mortgage Brokerage.

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Ron & Nat talk about a slowly falling RE market in Ontario and parts of BC, rising rates and, the total craziness of inflicting a Stress Test on people with Renewing Mortgage at very high rates who just want a chance to shop around. 

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It's a pleasure to have Chris Turcotte on the Show.
Chris is an Industry leader making an amazing journey from accidentally meeting a mortgage broker in Brandon Manitoba to Leading Centum; one of Canada's big National Mortgage Brokerages it's quite a surprising story that's lead to being a mortgage channel leader.

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Ron and Natalie review the Mortgage Rate News and Real Estate Developments that are quickly unfolding and none of it is good for existing  borrowers and people who want to sell their houses. One particularly wild incident: The 11 Pre-Con Condos Disaster, will there be more of these? Unlikely to see another 11 condo madhouse but every month some New Construction  Purchase that started years ago will have trouble getting a mortgage.

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It's our pleasure to have Hali Noble on the show: an Industry Pioneer in the Mortgage Investment Corp space. Hali has made a huge contribution to the Mortgage Brokerage Industry as a Lending Partner, a Leader within Mortgage Brokers Associations across Canada and a force for good in our Brokerage Community .

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Ron and Nat Discuss what’s happening in the Housing Market: Rates High for Long = Lower House Prices

Trudeau drop the GST on Rental Construction: What does it mean? Who Benefits, How long before it effects the market?

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Ron and Nat discuss the inevitability of RE Rates staying high and house prices coming down, different declines in different regions even different neighborhoods. Also Evil Mortgage Broker has License suspended and other news. 

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Ron & Natalie run down Housing News, GDP Report, counting Canada's population properly but the big discussion is the growth of Private Mortgages and how small number of evil doers are abusing borrowers.

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Ron & Natalie discuss the Doom & Gloom around the Canadian Housing Crisis: Sky High Mortgage Rates, Too Few House Listings. Will some people be forced to sell? Insane Student Housing Problems and true Government Failures.

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Can we not just END Airbnb, I am okay with pure vacation properties and rooms in an Owner Occupied House being rented out but whole houses and so many condos are just ILLEGAL HOTEL ROOMS. Let Natalie tell you about the Airbnb Drugged Out “Guest” from the next door house breaking into Nat’s house while high as a Kite.

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Special Mortgage Insider Edition with JP Boutros

JP is the acknowledged expert at Government Relations in the Mortgage Space. Having worked with both of the major Mortgage Brokerage Associations in Canada for the last few years no one knows more about the intersection of Federal and Provincial Governments & the Mortgage Brokerage Industry than JP. Many topics are covered but by far the most important is the easy fix for Mortgage Document Fraud that CRA just can't bother prioritizing 

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Ron & Natalie explain why the price of the DIRT in many Canadian Provinces is such a key influencer on our Batshit Crazy House Prices, Current Mortgage Rate outlook, and has Ontario President Ford made a huge mistake letting Developers pick their own land from the Greenbelt?

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In this milestone 20th episode, Ron Butler, Mortgage Broker extraordinaire, and Natalie Butler, a seasoned real estate professional, explore the latest developments in the mortgage market. They shed light on the gradual rise in fixed mortgage rates and delve into the changing landscape of Home Equity Lines Of Credit (HELOCs). Unpacking the reasons behind regulatory shifts, Ron and Natalie provide valuable insights for homeowners navigating these adjustments. Join them for an enlightening discussion on the dynamic mortgage industry and what these trends might mean for your financial future.

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Angry Mortgage Podcast Special Edition | AM 19.  Host Ron Butler sits down with Veronica Hewitt and talk important topics in today's mortgage industry. 

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In the 17th installment of the Angry Mortgage Podcast, hosted by mortgage broker extraordinaire Ron Butler and co-host Natalie Butler, a top Real Estate professional, they address the current state of the housing market. They explain why a complete crash is unlikely, but the market will continue to cool off. Meanwhile, the rental market remains intense and costly across provinces. Listeners will gain insights into the implications for Canadians' future costs of living, making this episode a must-listen for those navigating the complex real estate landscape.

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In this special edition of the Angry Mortgage Podcast (Episode 16), industry giant Ron Butler hosts guest Vince Gaetano, and together they share their wealth of experience in the mortgage business. They delve into how their past experiences empower them to navigate today's housing market and effectively assist others. The duo expresses concerns about the dangers of normalizing debt to solve financial problems, cautioning against unscrupulous brokers who may take advantage. With their candid insights, Ron and Vince shed light on critical aspects of the industry, making this episode a must-listen for anyone involved in mortgages.

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In episode 15 of the Angry Mortgage podcast, host Ron Butler and co-host Natalie Butler dive into the latest mortgage rates and provide insights on what to anticipate during upcoming mortgage renewals. They also demystify 60, 70, and 90 year amortizations, shedding light on these often misunderstood concepts. Addressing concerns about mortgage affordability, Ron suggests practical options to alleviate financial stress for existing mortgage holders. The episode concludes with their popular segment, WTAF (What the Actual Fuck), where they candidly discuss perplexing industry topics. Join Ron and Natalie for an informative and entertaining episode packed with valuable mortgage insights.

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In this special edition of the Angry Mortgage podcast hosted by Ron Butler, the focus remains on the Canadian Housing Market. Ron expresses his ongoing frustration with the market and invites guest Rob Campbell to share his insights. Together, they delve into some of the key issues affecting Canadians' finances and the housing market. With their combined expertise, Ron and Rob provide their thoughts that help shed light on the current state of affairs in the Canadian housing market. 

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In this episode of the "Angry Mortgage" podcast, host Ron Butler and Co-host Natalie Butler delve into the pressing issue of Mortgage rates. With passion and concern, they explore the various factors that contribute to the Canadian housing crisis, shedding light on the differences and similarities between now and 2007. Tune in for an insightful and heartfelt conversation on the critical issues in housing today.

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In a special edition of the "Angry Mortgage" podcast, Host Ron Butler is joined by special guest Frances Hinojosa, a long-time friend and fellow mortgage industry expert. As co-owners of separate successful brokerages, they bring a wealth of knowledge and experience to the discussion. Focusing on newcomers to the industry, they share valuable insights on how to enter the mortgage business, placing a strong emphasis on the power of continuous learning and effective networking. Going against the grain, Ron and Frances fearlessly express their views on unpopular yet crucial opinions. Tune in for a captivating conversation filled with practical advice and unfiltered perspectives for aspiring mortgage professionals.

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In this episode of the "Angry Mortgage" podcast, host Ron Butler and Co-host Natalie Butler delve into the pressing issue of Canada's housing crisis. With passion and concern, they explore the various factors that contribute to the crisis, shedding light on the cohorts most affected by its consequences. Their candid discussion underscores their genuine dismay at the state of affairs, emphasizing the urgency of finding solutions to alleviate the housing challenges faced by Canadians today. Tune in for an insightful and heartfelt conversation on this critical issue.

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In the tenth episode of Angry Mortgage, host Ron Butler, a seasoned and angry mortgage broker, teams up with co-host Natalie Butler, a real estate professional, to delve into the world of credit scores. They shed light on why credit scores shouldn't be a major cause of concern, discussing their purpose and who truly benefits from them. Additionally, they provide valuable insights on improving credit scores and direct listeners to reliable sources for the best and most accurate advice. Tune in for a thought-provoking discussion.

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In the ninth episode of Angry Mortgage, hosts Ron Butler and Natalie Butler deliver an in-depth exploration of the red flags and warning signs that homeowners should be aware of when renewing their mortgages. Drawing on their extensive industry expertise, they navigate listeners through the potential pitfalls and share practical tips for safeguarding their financial well-being. From bold lies to unfavorable terms, Ron and Natalie provide crucial insights to empower homeowners in making informed decisions. Tune in to this episode of Angry Mortgage to ensure a smooth and secure mortgage renewal process.

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Join host Ron Butler and co-host Natalie Butler in a thought-provoking episode of The Angry Mortgage Podcast. Focusing on mortgage fraud in Canada, the duo explores various types of fraud, unraveling their mechanics and providing insights on detection. Ron passionately emphasizes the significance of honesty within the financial industry, urging the government to take action against mortgage document fraud. In this engaging discussion, Ron proposes a straightforward and pragmatic solution to tackle the issue. Tune in to gain valuable knowledge and perspectives on mortgage fraud prevention in this impactful episode. 

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The Mortgage Brokerage Insider Show presents a special episode featuring renowned industry expert Scott Peckford. In this captivating discussion, Peckford delves into the world of mortgage brokerage, offering invaluable insights on becoming a mortgage broker and effectively managing a brokerage. Listeners will gain a wealth of knowledge as they explore various topics related to the mortgage industry, empowering them to navigate the intricacies of this dynamic field with confidence and success. Join us for an enlightening conversation on The Mortgage Brokerage Insider Show with special guest Scott Peckford.

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Join Ron Butler and special guest Rob McLister on a compelling episode of the Angry Mortgage Podcast as they delve into the Bank of Canada's latest rate hike and its far-reaching implications for the mortgage industry. Ron and Rob talk major players in times like these with their big spending power down to the smaller commodity type brokerages and how they might need to stay afloat. And of course, they discuss the effects on mortgage affordability, borrowing capacities, and market dynamics. By sharing valuable insights, they empower professionals in the industry to adapt, strategize, and navigate the evolving landscape with confidence. Don't miss this enlightening conversation packed with practical advice for mortgage experts!

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Ron immediately delves into what direction  the Bank of Canada rate may go and debates whether sacrificing jobs is necessary to combat inflation. He then explores the challenges faced by landlords in today's market when managing multiple mortgages and highlights the difficulties in obtaining approvals for additional properties. The show concludes with Ron's popular segment, WTAF (What the actual fuck), raising the crucial question of where new Canadians will reside if there is an insufficient supply of new homes.

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In this episode of "The Angry Mortgage Podcast" hosted by industry professional Ron Butler, he tackles some commonly held misconceptions and concerns regarding new mortgage studies. With his expertise, Ron dismantles these narrow perspectives and reassures listeners that there is no need to fret. He then delves into a series of important questions that have recently come up, providing insightful answers. As the episode wraps up, Ron presents his popular segment, WTAF (What the actual fuck), offering candid commentary on perplexing aspects of the mortgage industry. This episode offers a combination of informative content and Ron's trademark humor.

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In the third gripping installment of "The Angry Mortgage Podcast," Ron Butler, the indomitable host, delves into the unexpected escalation of fixed rate mortgages, unraveling the causes behind this significant upswing. With astute analysis and expertise, he offers valuable insights into potential future developments. Engaging directly with his audience, Butler responds to burning questions, providing practical advice and illuminating perspectives. Fueling his fervent discourse, he passionately laments the arduously sluggish pace of new construction and the stifling effects of excessive red tape. Brace yourself for a power-packed episode, where knowledge meets unfiltered opinions in an enthralling auditory experience.

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In the second episode of Angry Mortgage, host Ron Butler, discusses current events in the industry. He focuses on the new rules implemented in Toronto, examining their pros and cons. Additionally, Ron addresses a concerning situation involving an old acquaintance who has allegedly engaged in sketchy practices and broken significant laws. Ron shares his thoughts on the matter, expressing disappointment and emphasizing the importance of adhering to regulations and maintaining client trust. The episode serves as a platform to inform viewers about industry developments while highlighting the significance of integrity and ethical standards in the mortgage profession. 

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What you may not know about mortgage rates | Angry Mortgage Debut | Ep. 1. In the first episode of Angry Mortgage, Ron Butler discusses the recent run on Silicon Valley Bank and the implications for the mortgage industry. He also dives into what determines variable mortgage rates and why they can be tricky to navigate. Ron introduces several segments that will be recurring on the show, including Current Events, What The Actual Fuck (WTAF), and Question Bag where he'll answer listener questions. With his trademark wit and expertise, Ron sets the stage for an engaging and informative podcast that's a must-listen for anyone interested in mortgages and the broader financial industry.

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Angry Mortgage Podcast w/ host Ron Butler, founder of Butler Mortgage.  Bank Of Canada Raises Prime Rate Again.  Be sure to subscribe on your favorite Podcast player here:
http://linktr.ee/angrymortgage 

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