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Reflections on some of our key episodes since the launch of The Mortgage Life in January 2021. - episode 1: Curious about BC Assessment? - episode 2: Don't burn your mortgage statement! - episode 6: What is Alternative Lending? - episodes 14-16, 19, 20: the GAM! Series - getting a mortgage - episode 17: First Time Home Buyers - episode 25: Thinking…
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A person's capacity in a mortgage transation is the amount of mortgage they qualify for given their verified income. What does that mean for you? Have a listen to this episode where Pete, Mindy, and Sue tackle the extensive world of income qualification to break it down into understandable and bite sized pieces. Also! Check out our RAM! series, epi…
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Pete, Sue, and Mindy have an in depth conversation with Gary Mauris, co-founder and President & CEO of Dominion Lending Centres; CEO of Mortgage Centre Canada; and Chairman of Mortgage Architects. They chat about everything from the Canadian economy to the concept of imposter syndrome, both in business and in life in general. Together, the DLC Grou…
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The Bank of Canada held it's interest rate this morning. After 10 increases over the past couple of years, Canadians are faced with higher mortgage payments than ever before. So what does this mean for us now? What is the Bank of Canada looking for between now and the next annoucement on October 25, 2023? Have a listen to this morning's brief conve…
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How does your mortgage broker choose your lender? Why do some lenders have a branch location, while others do not? What is a Monoline lender? On this episode, Pete, Mindy, and Sue find answers to these questions in their chat with Sarah Almond from First National Financial. Sarah has been working in the mortgage industry since the early 2000's and …
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In the third and final episode of the RAM! series, The Mortgage Life hosts discuss the basic parameters, common misconceptions, and the risks involved with building an empire (i.e. your rental investment portfolio). What is your purpose? How many properties will you own? Do you have the time and a solid financial plan? Check out the conversation!…
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Mindy, Sue and Pete talk with Brendon Ogmundson, chief economist from the BC Real Estate Association, about the Bank of Canada’s 0.25% rate increase this morning. Brendon gives his insights about the latest rate increase, what the Bank of Canada is trying to do with all these increases, and when we might see rate increases stop… or even start to go…
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It’s another series! RAM is for Rentals And Mortgages! Are you curious about real estate investment? This series kicks off with a knowledgeable property manager sharing his experience with managing rental properties. Aaron Piva is the Owner and Managing Broker of Real Property Management Executives in Kelowna, BC. Born and raised in Metro Vancouver…
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Mindy, Sue and Pete discuss the Bank of Canada's rate announcement this morning and... here we go again! Another rate increase today of 0.25%. How does the Bank of Canada deal with inflation that is made up of increasing housing costs? And how do you handle those increasing costs? Tune in to find out!…
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Pete, Sue, and Mindy talk about locking in interest rates on this episode, along with the process and procedure for making it happen. Your decision to lock in or stick with your variable rate depends entirely on your personal situation. And so, this has been a popular discussion over the past year while the Bank of Canada rates (and those variable …
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Join Pete, Sue and Mindy as they discuss construction financing. They also interview builder-turned-realtor Mark Imhoff about the builder/developer perspective. In 1983 Mark was bitten by the entrepreneurial bug, purchasing the first of two restaurants he would own. In 1988 Mark sold the restaurants to pursue a new career in the building industry. …
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Welcome to part 2 of the DAM! series - design and mortgages! In this episode, Pete, Sue and Mindy chat with home designer Matt Lunde. Matt is principal at the award winning design studio 925R Design Inc. He has 20+ years in the design world, 925R Design Inc being incorporated for 14 years. Matt has a structural steel detailing background, and then …
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Pete and Mindy discuss today's Bank of Canada rate announcement with Professor Tom Davidoff from UBC Sauder School of Business. Thomas Davidoff holds a BA from Harvard, an MPA/URP from Princeton, and a PhD from MIT. He holds the Stanley Hamilton Professorship in Real Estate Finance and is the Director for the UBC Centre for Urban Economics and Real…
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We’re bringing a bit of the Victoria Market to The Mortgage Life, in this conversation with Matthew Traynor from The Traynor Group. A driven entrepreneur for most of his life, in 2010 Matthew had the excitement of co-founding what would become a nationally recognized nutrition bar company. All of this while using his free time training as a paid vo…
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NEW series alert! DAM! stands for design and mortgages! With products available in the mortgage world to help make home renovations possible, on this episode we chat with interior designer, Nicole Verbeke. She shares her journey into her industry, some thoughts around design trends, and how working with a professional can save you money in the long…
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In today's Bank of Canada announcement we finally get a pause! The Bank of Canada has decided to leave the policy rate unchanged at 4.5% which means that variable rate mortgages, home equity lines of credit, and unsecured lines of credit will not see any increases. For the first time in a year people with variable rates can breathe a sigh of relief…
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From the new recission period, to the foreign buyer ban, to discussing our stress test requirements when it comes to mortgage financing - we had another interview with Brendon Ogmundson about some of the new housing rules as of January 2023.Brendon Ogmundson is the Chief Economist for the BC Real Estate Association. He holds an MA in Economics from…
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As mortgage brokers, we have helped many many clients through the financial side of their spousal separation. Every circumstance is different, but the end goal remains the same; a peaceful resolution where all parties can afford their path forward. In this episode, we interview Christina Vinters. She is a wealth of knowledge, and adds her depth of …
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In this informative episode, hosts Pete, Sue, and Mindy chat with Jess Patterson about saving, budgeting, smart financial decisions, and so much more. With interest rates rising, and a new year starting, make sure you're setting and working towards your financial goals.Born and raised in Victoria, British Columbia, Jess Patterson has established a …
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Another rate hike today of 0.25%, and the Bank of Canada has indicated a pause... we think. With 8 consecutive rate hikes in the past year, we've been waiting for a bit of reprieve so that they can actually assess the impact on the Canadian economy. Let's see if it actually happens! In the meantime, make sure you're looking at your long term plans,…
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While foreign investors have been restricted within Canada, as Canadians we do still have the ability to purchase abroad. Join us for our chat with Texas broker Dustin Carlson about brokering in the states, and helping foreign nationals purchasing real estate there. Dustin has been in the financing business in the USA for over 20 years. He is marri…
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They’ve seen it all! Appraisers have a very interesting spot in the real estate market. Check out this episode with appraiser Adam Lawrenson of Adlaw Appraisals. Adam Lawrenson, is owner / operator at Adlaw Appraisals which focusesses on residential appraisals for mortgage brokers in the GVA and Okanagan. Adlaw Appraisals is approved with most lend…
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The Mortgage Life hosts chat with Jessey Camara from Better Mortgage Insurance about life and disability coverage. Jessey started BMI Advisory Services Ltd. with his partner Rosy Jallad in February 2020 with the purpose of being able to provide Mortgage Broker clients the opportunity to get various choices for life insurance. Jessey has been life l…
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In this installment of our GAM! series we chat with Harpreet Nahal, a local lawyer in Vernon, British Columbia. Once you’ve decided your goals, built your trusted team, and completed the application process, it’s time for your mortgage broker and lawyer to work their magic to find an approval and get your mortgage to the closing stage. Harpreet Nah…
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Helloooo Bank of Canada! Join us for another special feature highlighting the Bank of Canada rate changes.This morning, the Bank of Canada raised its overnight interest rate, this time by 75 basis points, or ¾ of a percent. This will eventually trickle down to your lender’s prime rate. At some point in the next month your lender will most likely in…
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Insolvency is a state of financial distress in which a person is unable to pay their bills.Have a listen to this interview with Chris Michalcheon, Licensed Insolvency Trustee with BDO Debt Solutions. We chat about credit, establishing credit, how people get into trouble with credit, and how to get out of it. It's never too early to have a conversat…
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GAM! In the Getting a Mortgage series, we discuss all aspects of the mortgage process. 'Part 1 - The Application' outlines our process of starting up a new file, and what that looks like for you. Keep an eye out for more GAM! episodes, where we'll discuss the rest of the process, from credit, to approval and funding, and what happens after the fact…
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Today, July 13, 2022, the Bank of Canada raised it's key lending rate by 1%. On this Special Feature episode, we interview Brendon Ogmundson, Chief Economist from the British Columbia Real Estate Association (BCREA), for some further insight into the reasoning behind this aggressive change, and some thoughts on how it will impact us moving forward.…
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They love PREMIUM chocolates ;) They also love to talk about insurance. Have a listen to this episode, where we interview Nicola Dent, manager from Capri CMW, about home insurance. Come back and listen to future episodes about other types of insurance associated with mortgages, including default insurance, title insurance, and life & disability ins…
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