Send us a text In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a packed week of news that directly affects Canadian homeowners, buyers, and investors. We start with the new federal budget: a $78B deficit, capital spending framed as “generational investments,” and big ticket items like $25B for housing, $30B for defense, and $115B for infrastructure—but almost no direct bailout for housing. What does that mean for interest rates, jobs, and home prices over t...
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Send us a text In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a packed week of news that directly affects Canadian homeowners, buyers, and investors. We start with the new federal budget: a $78B deficit, capital spending framed as “generational investments,” and big ticket items like $25B for housing, $30B for defense, and $115B for infrastructure—but almost no direct bailout for housing. What does that mean for interest rates, jobs, and home prices over t...
Send us a text In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a packed week of news that directly affects Canadian homeowners, buyers, and investors. We start with the new federal budget: a $78B deficit, capital spending framed as “generational investments,” and big ticket items like $25B for housing, $30B for defense, and $115B for infrastructure—but almost no direct bailout for housing. What does that mean for interest rates, jobs, and home prices over t...
Send us a text Rates fell 0.25—but fixed didn’t budge. Richmond’s land-title fight spooked lenders. Condo sales tanking in the GTA. CRA pays a $4.99M refund automatically(?!). BC Hydro bans new crypto-mining hookups. We break down what actually affects your mortgage today, how variable vs fixed really works, and the real-world fallout if lenders refuse renewals on contested land. In this episode: • Variable vs Fixed: why only one moved after the cut • Adjustable vs fixed-payment variables (a...
Send us a text Canada’s economy is sending mixed signals—and mortgages, housing, and jobs are caught in the crossfire. Alex & Alex unpack September’s jobs print vs. unemployment, inflation ticking to ~2.4%, and what that means for the next Bank of Canada move. We also hit breaking headlines: the Ontario ad that sparked a Canada-US tariff spat, bank record profits alongside layoffs, Stellantis/GM shifts in auto manufacturing, and why “missing middle” construction is booming in Alberta but ...
Send us a text BCREA Chief Economist Brendon Ogmundson joins Alex Pang and Alex Shanks to unpack the real state of BC housing: the surprising 2025 sales slowdown and rebound pockets, why pre-sales are struggling, and the capital problem behind our 600k-homes target. We dig into foreign-buyer rules (and the “Australia model”), REITs vs. rents, development charges and permitting bottlenecks, mass-timber/missing-middle solutions, and practical policy tweaks—like easing the stress-test buffer and...
Send us a text Canada’s housing story is shifting fast. We open on why thousands of new condos are sitting unsold in the Lower Mainland and what that means for pricing power, then dig into a surprising stat: in Ottawa, monthly ownership costs can now beat renting (yes, really). We also tackle what’s next for mortgage rates, why many landlords are dangling incentives, and how to use a refinance-then-buy strategy to upgrade in today’s buyer’s market—without blowing up your cash flow. Finally, w...
Send us a text Canada’s housing chessboard is shifting again. Alex & Alex break down OSFI’s proposed loan-to-income limits and why they could sideline small “mom-and-pop” investors while empowering institutions. They weigh amortization creep (30… 50 years?), collapsing pre-con condo sales, and why prices—not just rates—are driving affordability. Then they connect the dots between immigration policy whiplash (international student clampdowns, asylum spikes) and rents, jobs, and even mobile...
Send us a text In this episode, Alex Pang and Alex Shanks step away from the headlines to focus on mortgage renewal strategies that every Canadian homeowner should know. With record-low pandemic interest rates now expiring, many borrowers are facing renewal letters with much higher rates—and most simply sign without questioning. Alex and Alex share practical tips on how to avoid overpaying, from negotiating renewal offers and exploring refinancing options, to re-amortizing for cash-flow reli...
Send us a text Canada just cut rates by 0.25%—but what does that actually mean for your mortgage? Alex & Alex break down variable vs fixed (why your adjustable payment may drop ±$13 per $100k, and why fixed rates follow bond yields—not the overnight rate), plus the real-world timing on locking in as renewal offers in the high-3s start popping up. We also zoom out: GTA unemployment pushing toward 10%, rents easing nationally, August housing starts sliding, REIT redemption gates, and Ottawa...
Send us a text In this special episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks welcome Mayor Brad West of Port Coquitlam. Known for his straight-talking, community-first leadership, Brad shares his journey from being elected at 23 to becoming one of B.C.’s most outspoken mayors. We dive into the challenges facing municipalities today: the housing crisis, immigration pressures, white-collar crime, and the overreliance on real estate in B.C.’s economy. Mayor West opens up abou...
Send us a text In Episode 53 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks dive into the latest developments shaping Canada’s economy and housing market. They break down Canada’s shrinking GDP, the impact of U.S. tariffs on exports, and what’s really behind rumors of a Bank of Canada rate cut. The conversation also covers affordability challenges, the debate over 50-year amortizations, the Toronto condo market slump, Ponzi scheme allegations in real estate development, and th...
Send us a text Episode 52 marks the one-year anniversary of The Canadian Mortgage Show, hosted by Alex Pang and Alex Shanks. Over the past 12 months, the show has tackled the biggest questions in Canadian housing, finance, and economics—and this episode is no different. In this anniversary special, Alex and Alex reflect on their journey, the realities of running a podcast, and what lies ahead for Canada’s real estate market. They dive into: Canada’s housing starts and why the numbers don’t ...
Send us a text In Episode 51 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks break down the latest economic and housing updates shaping Canada’s financial landscape. From cooling inflation data and potential Bank of Canada rate cuts, to falling building permits and job losses across the country, the hosts highlight what these shifts mean for homeowners, investors, and everyday Canadians. They also dive into big news in the mortgage industry, including Brookfield’s $2.9B acquis...
Send us a text In this milestone 50th episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks unpack the latest economic, housing, and policy shifts shaping the Canadian market. They dive into U.S. inflation data, new tariffs from the U.S. and China, and how these pressures spill into Canadian retail sales and the weakening Loonie. The discussion highlights where Canadians are pulling back on spending, why real estate activity has slowed, and why more investors are looking to ...
Send us a text In this episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks welcome Andrew Huang, Licensed Builder at Fairlands Custom Homes Ltd., for an in-depth look at the realities of building in Greater Vancouver and across BC. With over 20 years in the construction industry, Andrew shares his journey from working in commercial projects to specializing in custom homes, townhouses, and condo developments. They cover: The impact of BC’s stringent builder licensing and h...
Send us a text In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks unpack the latest updates in Canada’s mortgage and housing market. They discuss why the Bank of Canada held rates steady, how looming tariffs could impact inflation, and where interest rates may be headed next. From analyzing the ideal “healthy” mortgage rate to debating fixed vs. variable strategies, the hosts share practical insights for homeowners, buyers, and investors. They also explore the current b...
Send us a text Join Alex Pang and Alex Shanks as they welcome special guest Marc Alteman from Altman Financial Inc. to Episode 47 of The Canadian Mortgage Show. Marc, a private mortgage broker with nearly 15 years of experience, specializes in connecting individuals with direct private mortgage lenders for real estate transactions. This episode demystifies private lending, explaining its role as a "last line of defense" in mortgage financing for those who can't qualify with traditional...
Send us a text This week, we're honoured to host the remarkable Victoria Fung from Auckland Realty Northwest. Victoria isn't just a second-generation realtor with a decade of experience; she's a former professional Muay Thai fighter whose competitive spirit and disciplined approach now powerfully serve her clients, especially in the sensitive areas of divorce sales and downsizers. Tune in as Victoria shares how the resilience forged in the ring translates into real estate mastery, offering u...
Send us a text In this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s broader economic landscape and its influence on the mortgage market. They tackle the strengthening Canadian dollar, the disruptive impact of AI on the job market and corporate layoffs, and the government's approach to budgeting. They also touch on the current state of real estate transactions and interest rates. Whether you’re in real estate or just curious about the market, this episode’s got cle...
Send us a text In this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s housing market—think struggling developers, growing mortgage fraud, affordability headaches, and government slip-ups. They also chat about job openings, youth unemployment, and which provinces are seeing home prices climb. Whether you’re in real estate or just curious about the market, this episode’s got clear talk, solid stats, and real insights. Here’s what you’ll get from this episode: Why d...
Send us a text In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a packed week of news that directly affects Canadian homeowners, buyers, and investors. We start with the new federal budget: a $78B deficit, capital spending framed as “generational investments,” and big ticket items like $25B for housing, $30B for defense, and $115B for infrastructure—but almost no direct bailout for housing. What does that mean for interest rates, jobs, and home prices over t...
