Explorez tous les épisodes du podcast Canadian Private Lenders’ Podcast
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| Ep. 83 | Investing in Canadian Real Estate with Daniel Foch and Nick Hill | 28 May 2025 | 00:49:42 | |
Are you ready to deepen your understanding of Canadian real estate investing and private lending? In this episode of The Canadian Private Lenders Podcast, Neal and Ryan sit down with Daniel Foch and Nick Hill, the dynamic duo behind the top-rated Canadian Real Estate Investor Podcast. They share their extensive experience as realtors, mortgage brokers, and entrepreneurs, revealing how they built their influential podcast empire and scaled their portfolios using private lending. Learn how they managed market volatility, leveraged alternative financing, and developed practical strategies for real estate success. Whether you’re a beginner or seasoned investor, discover key insights into private lending, risk management, and evolving market conditions. Plus, gain valuable perspectives on the importance of real estate education and the impact of policy changes. This episode is a must-listen for anyone interested in real estate investment and private lending in Canada. Show Notes: 02:35 - Dan and Nick’s podcast origin story and chemistry spark 05:07 - Nick recalls the obscure start of Brick & Mortar podcast 07:05 - Why Dan ditched Facebook ads for content and cold calling 12:28 - Real estate podcasting as the new “real estate school” 17:47 - Why they fought—and then embraced—creating a real estate course 20:20 - Building trust through transparency, real value, and no ego 21:25 - Toronto's real estate market conditions explained in depth 23:43 - Why condo oversupply could stall Toronto’s housing growth 25:33 - MLI Select, multiplex zoning, and population consolidation trends 30:22 - GDP per capita recovery explained vs national growth 33:11 - Dan and Nick’s personal investment history using private capital 35:38 - Lessons from the private lending world and high LTV caution 39:52 - Coaching and productization in real estate without losing integrity 46:46 - The future of Canadian real estate education and trusted mentorship Find Daniel and Nick on: Find Neal On: | |||
| Ep. 82 | How to create a Mortgage Fund with Jonathan Lee | 21 May 2025 | 00:44:31 | |
Are you curious about the legal side of private lending and fund formation in Canada? In Episode 82 of the Canadian Private Lenders Podcast, hosts Neal Andreino and Ryan MacNeil interview Jonathan Lee, founder and principal lawyer at A.G. Truett Law Professional Corporation. Jonathan brings over a decade of experience working with major Bay Street firms and specializes in asset management law, securities regulation, and fund formation for mortgage investment corporations, mutual fund trusts, ETFs, and hedge funds. This episode discusses key legal structures for real estate investment funds, securities law exemptions, recent market trends, and the rise of entrepreneurial ventures in capital raising. Jonathan also shares his personal journey leaving big law to build his boutique firm and his unexpected crossover into children’s books focused on entrepreneurship. Whether you're a private lender, fund manager, or investor, this episode offers expert legal insights you won’t want to miss. | |||
| Ep. 81 | How Cyrus Habibi Built a $350M Mortgage Business with Zero Ad Spend | 14 May 2025 | 00:29:44 | |
Are you leveraging relationships to scale your mortgage business? In this episode of The Canadian Private Lenders Podcast, we sit down with Cyrus Habibi—a top-producing mortgage broker with Premier Mortgage, consistently ranked #1 in volume in Atlantic Canada for five straight years. From humble beginnings in life insurance to dominating $350M+ in mortgage volume with the Premier Private Client Group, Cyrus shares how building relationships, not budgets, fuels growth. This episode is your roadmap to reputation-driven success. Show notes: 01:43 - How Cyrus transitioned from insurance into real estate finance
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| Ep. 80 | How to grow your private lending business without losing millions | 07 May 2025 | 00:24:43 | |
Do you want to scale your lending business without the risk of losing millions of dollars? This episode is for you! In it, Neal and Ryan discuss the strategic ways private lenders can grow their business sustainably and profitably without taking on undue risk. They also discuss growing a business through geographic expansion and diversification. Listen and enjoy the show! Show notes: 02:51 - Ryan shared John Love's speech at the RHP Nova Scotia Awards Gala
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| Ep 79 | Election Recap: How the Liberals Win will Affect the Housing Market | 30 Apr 2025 | 00:24:14 | |
What will be the impacts of the election results for private lenders, builders, and real estate investors? In this episode, Neal and Ryan do an election special by doing a recap on the election results and giving a highlight on the Liberal Party and Conservative Party's platforms in the housing sector. They talked about the Liberal's plan of making the government act as a developer to build affordable housing and cutting the GST for first-time homebuyers on homes up to $1 million. In addition, Neal and Ryan shared their insights on the impacts of these plans on lenders, builders, and investors. Listen and enjoy the show! Show notes: 01:33 - Neal and Ryan share their insights about the election
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| Ep. 78 | Private Lending vs. Bank Loans: The Smart Choice for Your Construction Projects | 23 Apr 2025 | 00:22:47 | |
What if you could accelerate your construction project without the red tape of traditional banks? In this episode Neal and Ryan reveal why private lending is often the smarter, faster option for construction financing. They break down the complex world of construction financing, explaining how private lenders offer quicker, more flexible funding options compared to traditional banks. They also discuss the benefits of fast approval times and how these advantages can streamline your project. Show notes:
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| Ep. 77 | Avoiding Complications at Mortgage Maturity | 16 Apr 2025 | 00:15:46 | |
What would happen if I can't pay out this loan at maturity? Why is the maturity process crucial for a borrower, broker, or investor? These are the questions that will be answered in this episode of the Canadian Private Lenders Podcast. Ryan, a seasoned expert at Keystone Mortgage Investment Corp., will walk you through the ideas of renewal, repayments, and potential default consequences in tougher situations on your mortgage. He will also discuss the importance of reviewing your mortgage terms well before maturity and working with your broker to explore renewal or refinance options early. You must have good communication with your lenders to avoid last-minute complications, as well as consider all your exit strategies when entering a private mortgage to prevent issues at maturity. Listen and enjoy the show!
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| Ep. 76 | Master Key Mortgage Definitions in Private Lending with Ryan and Neal | 09 Apr 2025 | 00:26:46 | |
Are you confident that you understand the essential mortgage terms in private lending? In this episode Ryan MacNeil and Neal Andreino break down the most important mortgage definitions you need to know to succeed in the private lending and real estate investment world. They tackle crucial concepts such as amortization, appraisals, bridge loans, loan-to-value ratios, and more, providing clarity on how these terms impact real estate transactions in Canada. Ryan and Neal, both seasoned experts at Keystone Mortgage Investment Corp., walk you through the complex world of private lending, offering valuable insights for brokers, lenders, and investors. Whether you're just starting or already have experience in the industry, this episode will help you solidify your understanding of key mortgage terminology. With the private lending market constantly evolving, understanding these terms is essential for making sound lending decisions and navigating the real estate investment landscape. Tune in and learn how these definitions directly affect the industry and your investment strategy. Show notes:
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| Ep. 75 | Unlocking the Secrets of Successful Short-Term Lending with Jesse Bobrowski | 02 Apr 2025 | 00:45:41 | |
What makes a successful private lending company thrive for over 50 years? In this episode Ryan and Neal are joined by Jesse Bobrowski, the Vice President of Calvert Home Mortgage Investment Corporation. With over four decades in the industry, Calvert has built a reputation for providing short-term lending solutions for real estate investors in Alberta and Ontario. Jesse delves into the company’s history, explaining how it transitioned from a mortgage brokerage to a mortgage investment corporation. He offers valuable insights into Calvert’s strategic approach to lending, focusing on residential urban markets and catering to real estate investors looking to buy, renovate, and sell or refinance properties. The conversation also covers Calvert’s unique corporate structure, their commitment to shareholder transparency, and how they’ve navigated market challenges while maintaining consistent growth. This episode provides listeners with a detailed understanding of the private lending sector, how Calvert operates, and the key factors contributing to its success in the ever-evolving real estate market. Show notes:
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| Ep. 74 | Key Decisions That Lead to Private Lending Success with James Grantis | 26 Mar 2025 | 00:54:18 | |
What does it take to succeed in Ontario’s competitive private lending market? In this episode of The Canadian Private Lenders Podcast Ryan and Neal are joined by James Grantis, Co-Founder and Director of Investments at Hosper Mortgage. James shares his journey from banking to private lending, offering insights into building a strong business. He discusses the value of broker relationships, effective branding, and focusing on smaller residential loans for long-term growth. James also highlights how technology and automation can streamline operations, manage risk, and drive efficiency. Tune in to learn key strategies for scaling a private lending business and staying resilient in the ever-changing mortgage industry. Show notes: 02:10 – James’s transition from TD Bank to private lending career. 30:00 – Balancing larger loans with smaller, high-volume residential deals. Resources:
Find James on: Linked - https://www.linkedin.com/in/james-grantis/ Website - https://hospermortgage.com/ Find Neal On:
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| Ep. 73 | Revolutionizing Private Lending: AI Strategies Every Broker Needs | 19 Mar 2025 | 00:20:27 | |
Are you looking for ways to streamline your mortgage lending business? In Episode 73 of The Canadian Private Lenders Podcast, Ryan and Neal explain how AI, specifically ChatGPT, is changing the industry. They share how lenders and mortgage brokers can automate tasks, improve customer service, and build better marketing strategies. This episode explores real-world applications of AI and how it can boost efficiency. Learn how AI-powered tools can help scale your business and what limitations to consider. Whether you're an experienced lender or just starting out, this episode is packed with insights to help you stay ahead in the competitive mortgage space.
01:01 – Recovering from illness, discusses post-COVID fatigue. 03:06 – AI transforming mortgage lending, improving efficiency for brokers and lenders. 04:50 – ChatGPT helps create structured blog posts and marketing content. 07:24 – AI-generated content lacks personal tone, requires human refinement. 10:46 – AI for customer service can improve engagement but needs balance. 12:30 – AI assists in underwriting by reviewing borrower documents efficiently. 14:51 – AI helps overcome creative blocks and find trending content. 16:22 – Social media automation tools streamline mortgage marketing strategies. 18:05 – AI-generated job postings improve hiring efficiency and candidate targeting. 18:44 – AI adoption in lending is like Google’s early transformative impact. Resources:
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| Ep. 72 | Private Lending for Investors: Understanding MICs, MFTs, and Direct Loans | 12 Mar 2025 | 00:26:02 | |
Are you leveraging the right private lending structure for your investments? In this episode, Ryan MacNeil and Neal Andreino discuss the different private lending structures that are common in Canada. They explain syndicate loans, direct private loans, Mortgage Investment Corporations (MICs), and Mutual Fund Trusts (MFTs). Each lending structure is covered in detail, outlining how it works, its benefits, and the potential risks involved. This episode offers valuable insights for investors, mortgage brokers, and borrowers. Ryan and Neal highlight the flexibility and risks of each structure, from pooled investments in MICs to direct loans where investors have control over the terms. They emphasize the importance of understanding risk tolerance and doing proper due diligence before getting involved in private lending. If you are looking to learn more about private lending in Canada, this episode provides the essential information you need to make informed decisions.
01:14 - Ryan and Neal discuss post-break news updates. 03:28 - Ryan compares the current economy to the Great Depression. 06:12 - Tariff impact on Canadian cities discussed. 09:04 - St. John, New Brunswick's tariff exposure highlighted. 10:40 - Impact of tariffs on real estate and manufacturing. 13:05 - Syndicate loans explained as pooled investor funds. 14:35 - Direct private loans provide more control and risk. 18:00 - Mortgage Investment Corporations (MFTs) structure and benefits. 19:40 - MFTs offer tax efficiency, flexibility in investments. 23:30 - MFTs' regulatory environment versus other structures discussed. Resources:
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| Ep. 71 | US Private Lending Trends & The Tech Driving the Industry with The Mortgage Office | 05 Mar 2025 | 00:53:47 | |
In this insightful episode of The Canadian Private Lenders Podcast, hosts Ryan MacNeil and Neal Andreino explore the evolving landscape of private lending with special guests Carlos Nodarse, CEO of Applied Business Software, and Nathan Goodhart, PPS Sales at The Mortgage Office. Learn how The Mortgage Office has become a leading force in private lending technology, helping lenders streamline loan origination, fund management, investor remittances, and compliance automation. They will share their expertise on the differences between the Canadian and U.S. private lending markets, the rise of sophisticated capital entering the space, and how technology is revolutionizing alternative lending. We explore key industry shifts, including the growing role of mortgage investment corporations (MICs), compliance challenges, and how lenders can scale their businesses efficiently. Carlos and Nathan also provide an inside look at the journey of Applied Business Software from its humble beginnings to becoming a global leader in private lending solutions. If you're a lender, investor, or finance professional looking to stay ahead in the private lending industry, this episode is packed with invaluable insights. Show notes: 1:10 - Guest Introduction 4:48 - The history and growth of Applied Business Software. 10:18- The rise of The Mortgage Office and its impact on lending. 14:01- Differences between private lending in the U.S. and Canada. 18:52 - Why asset-based lending is dominating the private sector. 25:10 -Syndicating loans with multiple investors and its complexities. 30:09 - Why private lending is growing at a record pace in the U.S. 34:40 - How lenders transition from self-funding to institutional capital. 40:53 - Marketing strategies for The Mortgage Office in Canada vs. U.S. 48:58 - What Carlos and Nathan love most about private lending. Resources:
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| Ep. 70 | Breaking Through in Ontario’s MIC space with Derek Serra (Westboro MIC) | 26 Feb 2025 | 00:54:24 | |
this episode Ryan and Neal are joined by Derek Serra, the president of Westboro Mortgage Investment Corporation. With over two decades of experience in the mortgage industry, Derek offers invaluable insights into how private lending has evolved and how Westbro has become a leader in the space, funding over a billion dollars since its expansion. Derek shares the key moments that led him to leave RBC and become a driving force behind Westbro’s success, including how the company’s strong foundation and customer-focused approach have shaped its rapid growth. Whether you're a mortgage broker, investor, or professional in the lending industry, this episode is packed with practical advice to help you navigate the world of private lending, make better business decisions, and create lasting partnerships with your clients. Don’t miss out on Derek’s expert advice about building a strong brand, the importance of transparency in private lending, and the factors behind Westbro’s billion-dollar success. Tune in for tips on scaling your business and mastering the art of private lending in Ontario. Show notes: 1:00 - Derek Serra introduces his career starting at RBC and his path. 6:10 - Transition from RBC to XMC, and lessons from Ottawa. 9:00 - The challenges of scaling a mortgage investment corporation (MIC). 15:30 - Why Westbro focuses on well-capitalized operations and transparent dealings. 20:40 - Exploring Westboro's unique approach to rural and urban lending markets. 24:30 - Derek's thoughts on private lending for residential, construction, and second mortgages. 28:00 - Key factors for private lenders in choosing projects and brokers. 33:40 - Derek shares strategies for brokers to build lasting relationships with private lenders. 37:00 - Advice for brokers on selecting lenders as an extension of their brand. 41:00 - Westbro's expansion and success in Ontario’s private lending market. 45:30 - Derek discusses future trends in the private lending industry and evolving market conditions.
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| Ep. 69 | Can Canadians Buy U.S. Property? Key Mortgage Strategies & Insights Revealed | 19 Feb 2025 | 00:21:06 | |
Are you a Canadian thinking about buying property in the U.S.? In this episode of the Canadian Private Lenders Podcast, Ryan MacNeil and Neal Andreino cover everything you need to know about securing a mortgage as a Canadian in the United States. With insights into the mortgage process, key financing strategies, and the challenges you might face, this episode is essential for anyone looking to explore cross-border property investment. From the complexities of down payments to tax implications and the risk of negative equity, the hosts provide practical advice and share real-world examples of Canadians successfully investing in U.S. real estate. Plus, they discuss the important role of private lending and the value of working with the right financial partners to make your dream of owning property in the U.S. a reality. Tune in to learn how to use Canadian assets, avoid costly mistakes, and gain a competitive edge in the U.S. property market. Show notes: 0:53 - Ryan and Neal discuss Nova Scotia’s freezing winter weather this year. 2:27 - Neal shares insights into Toronto's pre-construction condo market crisis. 3:22 - Neal explains the financial fallout of abandoned condos and appraisal gaps. 6:22 - Ryan talks about the high supply of condos in the market. 7:56 - Neal explains how rising mortgage rates are affecting Canadian buyers. 9:29 - Ryan shares the challenges Canadian buyers face with U.S. mortgage rates. 12:24 - Neal emphasizes working with cross-border banks for mortgage financing. 15:53 - Ryan shares a case study of leveraging equity for U.S. property. 17:18 - Neal discusses the value of private lending options in the U.S. market. 19:32 - Ryan explains key tax and legal considerations for Canadians purchasing U.S. property. Resources:
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| Ep. 68 | Will AI Replace Mortgage Brokers? The Future of AI-Driven Lending in Canada | 12 Feb 2025 | 00:33:11 | |
Is artificial intelligence the future of mortgage approvals? This episode of The Canadian Private Lenders Podcast, Neal Andreino and Ryan. Neal break down the growing impact of artificial intelligence (AI) on mortgage lending. With AI-powered underwriting, borrower verification, and risk assessment becoming more common, is the industry on the verge of a complete transformation? Let's explore how AI is speeding up mortgage approvals, reducing fraud, and reshaping borrower experiences—but also the challenges that come with it, including bias, data privacy risks, and stricter regulations. Plus, we compare Canada vs. U.S. mortgage markets, discuss how fintech lenders are shaking up traditional banking, and ask the big question—can AI solve Canada’s housing affordability crisis or will it drive prices even higher? Tune in to stay ahead in the changing mortgage market!
Show notes: 1:53 - Introduction to AI in mortgage lending and why it’s a game changer for lenders. 3:08 - Market shifts: The impact of tariffs, border security policies, and economic uncertainty. 6:02 - AI-driven underwriting and why it could reduce approval times from weeks to minutes. 7:35 - How AI is detecting fraud and identifying high-risk borrowers. 9:48 - Can chatbots and automation truly replace mortgage advisors? 11:30 - The future of dynamic pricing models and AI-driven interest rate adjustments. 13:56 - Why private lenders may benefit from AI-driven compliance and regulatory automation. 15:45 - How AI adoption differs between U.S. and Canadian mortgage industry 20:02 - AI's role in improving risk assessment and preventing mortgage fraud. 22:18 - How AI can enhance borrower experiences with automation and chatbots. 27:30 - Challenges of AI adoption: Compliance, bias, and trust in financial decision-making.
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| Ep. 67 | How Do Auction Sales Affect Real Estate Investment in Canada? | 05 Feb 2025 | 00:22:44 | |
Are auction sales the key to unlocking real estate investment opportunities? In this episode, hosts Ryan and Neal break down the world of auction sales in Canada. They cover how properties end up at auction, the processes involved, and the challenges lenders face with financing these opportunities. Learn how foreclosure and tax auctions work, how to conduct property research, and how lenders can use creative financing options to make the most of these real estate opportunities.
Show notes: 2:02 – Ryan and Neal discuss weather, transitioning to auction sales topic. 3:56 – Auction sales becoming less common due to price growth. 4:43 – Foreclosure auctions sell properties for unpaid mortgage or taxes. 6:02 – Variations in auction processes across provinces like BC and Ontario. 7:17 – Tax sales conducted by municipalities for unpaid property taxes. 10:50 – Challenges with financing auction properties, especially regarding title insurance. 12:14 – Ryan shares how family funds helped finance his first auction property. 13:51 – Using cross-collateralization to secure auction purchases with other properties. 15:20 – Auction bids require 10-20% deposit and full payment soon after. 16:58 – Limited access to property inspections; exterior checks are crucial. 19:11 – Importance of networking with auction buyers and local professionals. 20:36 – Negotiating directly with homeowners as a strategy before auctions start. Resources:
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| Ep. 66 | Should You Buy or Rent in Today's Canadian Real Estate Market? | 29 Jan 2025 | 00:37:31 | |
Is renting a better option than buying in Canada right now? In this episode of the Canadian Private Lenders’ Podcast, Ryan MacNeil and Neal Andreino discuss the current state of the Canadian rental and real estate markets. They break down how recent changes in immigration policies, shifting rental rates, and the global economy could impact your decision. Whether you’re looking to buy or rent, they offer valuable insights into the market trends and help you make an informed choice about your financial future. They also analyze the implications of rising mortgage rates, potential tariffs, and more. Show notes: 1:49 - Discussion on Vietnam’s real estate market and investment opportunities. 3:27 - Political shift under Trump and its potential impact on Canada. 4:03 - How tariffs and border security issues might affect trade. 9:47 - Trudeau’s role and strategies regarding trade relations. 14:08 - How inflation might affect Canadian mortgage rates in 2025. 19:50 -Overview of rental rate declines in major Canadian cities. 24:00 - The role of immigration and population growth in rental demand. 26:30 -How Halifax is adjusting to increasing apartment availability. 28:00 - Data shows rents falling across smaller provinces like Regina. 30:00 -Discussing the supply-demand imbalance in Canada’s rental market. 34:10 - The importance of considering inflation and mortgage rates in 2025. 36:00 - Why renting might make more sense financially right now.
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| Ep. 65 | How Private Lending Simplifies Family Property Transfer | 22 Jan 2025 | 00:12:27 | |
Have you ever faced challenges financing a property transfer within your family? In this episode of The Canadian Private Lenders Podcast, host Ryan steps in as the solo host to break down how private lenders solve one of the trickiest hurdles in real estate: non-arms length transactions. Learn how appraised values, not just purchase prices, can unlock funding opportunities and make seamless transfers possible. With real-world examples like a $380,000 property transfer in Fredericton, this episode explains how private lenders help clients bridge funding gaps, cover legal fees, and even finance renovations. Show notes: 00:49- Introduction 1:12- Key political changes in Canada and their market effects. 1:53- Leadership race details featuring Mark Carney and Chrystia Freeland. 2:40- Why non-arms length transactions matter for private lending? 3:21- Definition and examples of family property transfers. 4:24- Fredericton case study: $380,000 appraised property sold for $225,000. 6:10- Creative financing using appraised value for funding. 8:44- How brokers can leverage private lending to stand out? 10:15- Benefits for borrowers: covering costs and future refinancing. 11:29- Upcoming Ontario-focused private lending episodes previewed. Resources:
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| Ep. 64 | Can Banks go Bankrupt?? | 15 Jan 2025 | 00:28:12 | |
Why do banks fail, and what can you do to protect your savings? In this episode of the Canadian Private Lenders Podcast, Neal and Ryan break down the causes of bank collapses and explore how global and Canadian banks navigate risks. From historical banking failures to the Silicon Valley Bank collapse, they dive into the vulnerabilities banks face and the safeguards Canadians have.
Show notes: 0:58 - Introduction 3:45 - Historical global examples of bank failures 5:44 - Canadian banks entering into other countries and foreign countries entering in Canada 10:00 - Why do banks fail? 11:24 - Banks is the business and their product is money 14:33 - Silicon Valley Bank 19:25 - What protections do Canadians have in their bank? 22:55 - What would happen if the Canadian banks had to fail? 25:56 - How can Canadians protect themselves? 27:29 - Outro Find Neal On:
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| Ep. 63 | Entrepreneurship and Investing in Private Loans with Charles Ackerman | 08 Jan 2025 | 00:40:04 | |
In this episode of Canadian Private Lenders Ryan sits down with Novillo Capital President, Charles Ackerman to explore the world of private loans. Charles shares how to break into the industry, whether you're experienced or not, and provides a glimpse into his own real estate portfolio. They discuss the importance of diversified employment, the two key criteria investors should look for, and whether the Canadian market is truly overheated. Don't miss this opportunity to gain expert insights and practical strategies for thriving in private mortgage investing—straight from a seasoned entrepreneur!
Show notes: 1:04 - Introduction 1:26 - Introducing guest 10:04 - Getting into the business whether having industry experiences or not 11:11 - Charles’ real estate portfolio 14:50 - Diversified employments 19:23 - Two bucket that they are looking for in investing 25:00 - Is the Canadian market overheated? 28:59 - Investing in private mortgages 39:20 - Outro
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| Ep. 62 | 2025 Housing Outlook: What is in store for the Canadian market? | 01 Jan 2025 | 00:24:58 | |
Ready to see how 2024 played out and what’s on the horizon for 2025? In this episode of Canadian Private Lenders, Neal and Ryan revisit their 2024 predictions—did home prices drop as expected? Were housing starts up or down? Then, they shift gears to 2025 with bold forecasts on rate cuts, regional trends, and what’s in store for Atlantic Canada. Whether you’re an investor or simply curious about the market, this episode is packed with insights you won’t want to miss! Show notes: 0:28 - Introduction 3:34 - 2024 Predictions Recap and Predictions for 2025 5:24 - Will the average home price decrease in 2024 and by how much? 7:41 - Will housing start to increase or decline in 2024? 8:20 - Will housing start to increase or decline in 2024? 13:16 - When will be the first rate cut and how much will it be? 15:21 - Will the average Canadian home price decline or increase in 2025? 18:24 - Will housing start to decline in Atlantic Canada this 2025? 23:57 - Outro Find Neal On:
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| Ep. 61 | Marketing Mastery with guest Clinton Wilkins | 24 Dec 2024 | 00:57:29 | |
Imagine trying to close deals in a market where housing demand skyrockets, but supply just can't keep up—how do you adapt and thrive? In this episode, Clinton Wilkins, founder of the Clinton Wilkins Mortgage Team, shares game-changing strategies for real estate professionals. Learn how to tailor your approach to different clients, build a strong team, and navigate Canada’s unique market trends. Show notes: 1:11 - Introduction 7:15 - Different models work with different people 10:57 - Clinton’s goals in expanding the team 28:49 - How the demand of the housing market is much more higher than the supply 29:39 - Clinton’s view of the local market in Nova Scotia 38:39 - Where is the growth going in the mortgage industry 51:16 - Clinton’s advice for aspiring mortgage brokers Resources:
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| Ep. 60 | Leadership and visibility in the Mortgage Industry with guest Veronica Love | 18 Dec 2024 | 00:57:20 | |
Veronica Love of The Mortgage Group takes us behind the scenes of her incredible career in the mortgage space. Learn how to network effectively, build client trust without a long list of credentials, and leverage educational marketing to stand out. Veronica also shares the key communication mistakes that derail deals and why she transitioned from lending to brokerage. Packed with actionable advice, this episode is your guide to thriving in the mortgage industry. Don’t miss it!
Show notes: 0:52 - Introduction 2:36 - Veronica’s career path 6:19 - Veronica’s advice on networking 12:37 - How to gain a client's trust without credentials? 22:22 - 99% of the deals that fall apart is due to miscommunication 23:54 - The benefits of educational marketing 32:59 - What attracted Veronica to leave the lender side and focus on the brokerage? 53:37 - Outro Find Neal On:
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| Ep. 59 | Canadian Economy News & Lending Updates | 11 Dec 2024 | 00:32:58 | |
In this news-packed episode hosts Ryan and Neal dive into the latest Canadian economic updates and their impact on private lending. They discuss tighter border controls aimed at stabilizing the Canadian economy, concerns over potential damage to Canada’s GDP, and the current state of interest rates. Stay ahead in private lending—listen now for the latest updates and expert insights! 1:13 - Introduction 4:21 - News update 6:20 - Further control to tightening Canadian borders to avoid detrimental effects to the Canadian economy 7:42 - Economic progression suggests potential damage to Canada’s GDP 13:19 - The rates in Canada 20:00 - Should you go CMHC or conventional? 22:12 - Uncertainty on the market 23:10 - GST Holiday 32:15 - Outro
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| Ep. 58 | Mastering Investor Relations - Direct Private Lending vs. Pool Funds Explained | 04 Dec 2024 | 00:27:12 | |
Dive into the world of Investor Relations in Private Lending with Ryan and Neal as they explore the booming real estate markets in Canada. This episode breaks down the key differences between Direct Private Lending and Pool Funds, highlighting the advantages and challenges of each. Learn about the MIC model, its unique pooling approach, as well as the Direct model and learn the advantages and disadvantages of the two. This episode delivers actionable insights to elevate your strategy. Don't miss out! 1:11 - Introductions 4:52 - Mass appreciation in real estate over Atlantic Canada and Alberta 5:46 - Investor relations (Direct Private Lending vs. Pool Funds) 7:36 - Advantage in direct private lending 10:53 - Advantage of pool fund model 14:51 - In the MIC model there’s enough deals pooling 16:36- Challenges behind the MIC model 18:53 - Summarizing key differences between MIC and Direct model
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| Ep. 57 | Navigating Political Shifts: What Canadian Private Lenders Need to Know | 27 Nov 2024 | 00:36:11 | |
In this episode, Neal and Ryan explore how political changes impact the private lending industries in Canada. They discuss the ripple effects of key issues, including the potential evolving challenges in moving capital, and the influence of U.S. economic policies under shifting leadership. Whether you're a seasoned private lender or just starting, this episode offers actionable insights to help you adapt in a dynamic political landscape. Tune in to understand how these changes could shape your next move. Show notes: 1:09 - Introduction 5:25 - Neal and Ryan reintroduce themselves 11:07 - Political shifts and changes 12:51 - How does the political change impact the construction industry 21:43 - The potential of the keystone pipeline coming back online 25:36 - Why moving money around now has become more difficult 26:21 - What if Trump goes heavy on investing in the economy? 35:28 - Outro Find Neal On:
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| Ep. 56 | International Buyers in the Canadian Market: Challenges and Opportunities | 20 Nov 2024 | 00:18:20 | |
Ryan and Zack Muir explore how global investors are reshaping Canada’s housing market despite the 2023 Foreign Buyer Ban. From unique opportunities in private lending to key legal tips, this episode breaks down the challenges and strategies international buyers need to succeed to jump into Canadian private lending.
Show notes: 1:11 - Introduction 2:29 - The hiccups that are happening in the Canadian economy 3:32 - International buyers 4:14 - Canada’s 2023 Introduction of the Foreign Buyer Band 6:04 - Diplomats and refugees 11:26 - Private lending for foreign buyers 14:51 - Make sure to have good legal council 17:36 - Outro Find Neal On:
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| Ep. 55 | Underwriting Like a Pro: Insider Tips to Close Your Next Deal Faster | 13 Nov 2024 | 00:29:47 | |
Guest host Zack Muir takes you through the essentials of underwriting residential deals, sharing insider tips on what A lenders, B lenders, and private lenders are really looking for. Get the deets on why credit scores might not be a deal-breaker and why having the right mortgage partner can seal the deal. Show notes: 1:12 - Introduction 3:49 - Underwriting deals 6:05 - Key requirements for A-lenders and bank lenders 9:50 - How likely are A-lenders going to make an exception on a file? 12:18 - Why is credit less of a concern for B lenders? 13:59 - Credit scores 20:50 - What makes private lenders different? 26:30 - Importance of having a great mortgage partner Find Neal On:
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| Ep. 54 | Atlantic Canada’s #1 Mortgage Broker team: Scott Bentley & Igor Geshelin of Premiere Private Client Group | 06 Nov 2024 | 00:51:30 | |
Join Scott Bentley and Igor Geshelin, the powerhouse duo behind Atlantic Canada’s top mortgage brokerage, as they share insights that every real estate professional and entrepreneur should know. Discover why fixed rates might save you more than variable, how a 30-year amortization can impact investments, and the unique approach Premiere Private Client Group takes toward mentorship and growth!
Show notes: 1:14 - Introduction 2:07 - CMP Top 75 Brokers in Canada 3:36 - Why getting a fixed rate could be cheaper than a variable 8:50 - 30-year amortization in Canada 13:47 - How Premiere Private Client came to be 27:11 - There are a lot of programs that CMHC will do that a lot of banks don’t do 37:33 - How do they approach mentorship at Premiere? 50:47 - Outro Find Neal On:
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| Ep. 53 | Deal Spotlight: $575K relocation bridge loan | 30 Oct 2024 | 00:13:58 | |
In this episode, Ryan and Neal explores a fascinating case: a unique relocation bridge loan for a mini home lakefront property. 0:50 - Introduction 1:55 - Deal Example: Financing a Mini Home on lakefront property 2:52 – Why lenders hesitate on mini homes 6:15 – Property and borrower overview 8:57 – Addressing borrower needs that traditional lenders cannot meet 10:52 – Flexibility of private lenders in unique scenarios 13:14 – Outro Find Neal On:
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| Ep. 52 | How Does A Property End Up In Foreclosure? | 23 Oct 2024 | 00:26:55 | |
It’s the one-year anniversary of the podcast, and Ryan and Neal are celebrating by diving into a hot topic: How does a property end up in foreclosure? This episode is packed with practical insights for real estate pros and entrepreneurs—covering everything from crucial communication between lenders and borrowers to the steps that lead to foreclosure. Learn how to protect your deals, stay flexible as a borrower, and ensure you’re underwriting smartly to avoid common pitfalls!
Show notes: 1:02 - Introduction 2:30 - How does a property end up in foreclosure? 8:41 - Communication between a lender and a borrower 10:32 - The steps leading to foreclosure 12:41 - Selling the property 13:05 - Flexibility as a borrower 15:02 - Make sure when you’re underwriting to really ensure that the value is there 19:35 - Default rates and significant security through paper and term sheets 23:50 - Post-default deal review 26:12 - Outro Find Neal On:
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| Ep. 51 | The Ultimate Guide to Assembling Your Private Lending Dream Team | 16 Oct 2024 | 00:26:35 | |
Want to learn how to close deals faster, attract top talent, and outmaneuver your competition? Join us on this episode of the Canadian Private Lenders Podcast as Ryan and Neal reveal the secret sauce to creating a high-performance private lending team. From hand-picking the best underwriters to mastering the art of capital acquisition, we're sharing the proven strategies that have successfully helped lenders improve their businesses. Show notes: 0:51 - Introduction 6:40 - Building a strong private lending team 8:18 - What does an underwriter do? 10:40 - The role of a capital raiser 10:50 - The ability to communicate the investments of a private mortgage is key as as capital raiser 12:09 - Sales and marketing 16:59 - Credit manager 18:32 - Delegating tasks for your private lending business Find Neal On:
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| Ep. 50 | Commercial vs. Residential Mortgages: Key Differences in Canada | 09 Oct 2024 | 00:23:32 | |
We’re back 50 episodes stronger! The great debate. Commercial vs. residential – let Ryan and Neal be your guide as they break down the mortgage mystery. From debt service ratios to private lenders, this episode has the answers you need to score the perfect loan for your next real estate deals. Show notes: 0:48 - Introduction 1:36 - Commercial vs Residential mortgages 3:48 - The difference between commercial and residential mortgages in Canada 8:18 - Debt to service coverage ratio 9:36 - How your net operating income is calculated 11:02 - What would a standard cap-rate be on a small multi-unit vs a Brand new building? 18:07 - The role of private lenders for both sides 22:09 - The value of choosing the right mortgage 22:49 - Outro Find Neal On:
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| Ep. 49 | Guest Michelle Drover - the Queen of Mortgages in Atlantic Canada | 02 Oct 2024 | 01:00:04 | |
Seasoned expert Michelle Drover, VP Atlantic at Premiere Mortgage Centre, reveals how she built a 35-year career in finance and what it takes to excel as a mortgage broker. Michelle breaks down the emotional side of money markets, offers insider tips on mortgage transfers, and explains how Premiere Mortgage Centre became the top mortgage brokerage in Atlantic Canada. This episode equips you with the insights to fuel your next BIG move. Learn the strategies to ignite growth, navigate market shifts, and stand out in the competitive mortgage industry!
Show notes: 0:50 - Introduction 2:53 - How she fell in the finance industry 6:29 - Major weekly news from the Canadian government 11:47 - Switch/transfer mortgage 13:31 - What will spur more construction? 15:16 - Money markets are like people- they are emotional 22:37 - What makes Premiere Mortgage standout as one of the leading brokerages in Atlantic Canada? 31:37 - What does it take to be a mortgage broker? 51:22 - What does Michelle love most working in this industry? Find Neal On:
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| Ep. 48 | How We Scaled to $10 Million in Less Than a Year | 25 Sep 2024 | 00:27:30 | |
Curious about how Neal and Ryan turned their lending vision into a $10 million reality in less than 12 months? Join them as they share their journey, from overcoming investor challenges to outperforming the competition. Discover their strategies for building a strong investor network, diversifying their portfolio, and identifying profitable deals. This episode will help you scale your lending business to the next level!
Show notes: 0:39 - Intro 5:06 - Keystone milestone (hitting 10 million) 6:02 - Major difficulties in handling investor relations 9:36 - What makes you different from the other private lenders 11:02 - The key components to scale to achieve the $100 point 13:33 - Growing the investor network 15:04 - Diversification of your investor base 19:05 - Underwriting deal selection Find Neal On:
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| Ep. 47 | What does a Mortgage Broker do? | 18 Sep 2024 | 00:28:26 | |
In this episode of Canadian Private Lenders, Neal and Ryan dive into what a mortgage broker actually does and how they can be a game-changer for real estate professionals. From comparing loan options to coordinating with other parties, discover why working with a mortgage broker can save you time and money. Tune in for a quick breakdown!
Show notes: 0:57 - Introduction 2:33 - Rate cuts 4:43 - International student cap 14:52 - What does a mortgage broker do? 17:36 - Mortgage brokers have the ability to compare different loan options 24:05 - Mortgage brokers coordinate with other parties 27:42 - Outro Find Neal On:
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| Ep. 46 | How to secure a Portfolio Loan to scale your RE Investment business | 11 Sep 2024 | 00:20:37 | |
Ryan and Neal dive into the ins and outs of securing a portfolio loan to help you scale your real estate investing business. From understanding upcoming loan schedules to strategies for accelerating your portfolio growth, this episode covers all the essentials!
Show notes: 0:35- Introduction 6:02 - Maturity schedule for 2024-2027 7:34 - Q3 2023 amortization of residential mortgages 10:48 - Securing portfolio loans 14:39 - How to accelerate growth in your real estate portfolio 15:00 - Deal example breakdown 19:54 - Outro Resources: Find Neal On:
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| Ep.45 | How the BoC Rate Drops Could Affect CAD | 04 Sep 2024 | 00:24:17 | |
Recent Bank of Canada rate cuts have sent ripples through the Canadian economy, including the value of the Canadian dollar. Today, Ryan and Neal will explore the implications of these changes and how they compare to other major currencies and similar markets. Show notes: 1:12 - Intro 9:02 - June-July rate drops and how does it impact CAD? 15:32 - Is Canada holding its own wealth-wise? 16:54 - Canada being similar to Australia in terms of dollar value 20:21 - The CAD vs all the major currencies in the world 23:33 - Outro Find Neal On:
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| Ep.44 | The Big 5 Banks Provide Their Rate Outlook. What Does It Mean For You? | 28 Aug 2024 | 00:23:55 | |
Canada's economy is in flux, and the latest rate predictions from the Big 5 banks could have major implications. Join Neal and Ryan as they break down the details and discuss how these changes might impact your finances and businesses. Don't get caught off guard by economic shifts. Tune in now to learn how to stay ahead of the curve! Show notes: 1:18 - Intro 4:11 - Where are the rates headed for the next upcoming months? 7:23 - Why is the reduction of the Canadian dollar a good thing for Canadians? 11:58 - The Big Five rate predictions 16:59 - How do the rates impact the Canadian market nationally? 19:05 - Market predictions in late 2025 21:14 - National housing prices at the end of 2025 Find Neal On:
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| Ep. 43 | Software We Use To Streamline Our Private Lending Business | 21 Aug 2024 | 00:27:47 | |
Ever wondered what it takes to run a smooth and efficient private lending business? In this episode, we're revealing the softwares that make it all happen. From automating tedious tasks to harnessing the power of AI, we're sharing how we've built a tech stack that not only streamlines operations but also helps investors navigate the unique challenges of the lending industry. Show notes: 0:40 - Introduction 8:39 - Perks of using automator software 13:16 - Issues with lenders only being in certain platforms 14:14 - Online banking systems (Personal vs. Commercial Banking) 17:48 - Quickbooks accounting management software 20:28 - Leveraging Microsoft softwares as a tool 27:04 - Outro Find Neal On:
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| Ep.42 | Private Mortgages for Bad Credit?? | 14 Aug 2024 | 00:27:50 | |
Discover how private lenders can be a lifeline for real estate investors and professionals struggling with poor credit. This episode cuts through the noise to provide practical advice on navigating the world of private lending, including: ● The pros and cons of private loans for borrowers with bankruptcy or high credit utilization ● When and how to transition from private lending to alternative financing options ● The key factors private lenders consider when evaluating borrowers ● Real-world strategies for overcoming financial setbacks and securing private loans From first-time buyers to experienced investors, this episode offers practical solutions to overcome common challenges and unlock new opportunities in real estate.
Show notes: 1:17 - Introduction 2:15 - Are private lenders for borrowers with bad credit? 10:27 - When do you go from a private lender to an alternative? 11:07 - When does the lender get qualified? 14:49 - Bankruptcy stays in your bureau for a long time 20:38 - Overextended credit utilization 24:27 - Marital breakdowns 27:08 - Outro
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| Ep.41 | Cracking the Mortgage Code: An Insider's Guide to Building A Mortgage Business | 07 Aug 2024 | 00:34:16 | |
Join us as we delve into the world of mortgages with Andrew Matheson, the mastermind behind Canada's largest independent mortgage brokerage, TMG The Mortgage Group. Discover how TMG has helped hundreds of thousands of Canadians achieve their homeownership dreams through personalized mortgage solutions. From navigating the complexities of variable rates to building strong industry relationships, Andrew shares his invaluable insights and TMG's proven success strategies. Show notes: 1:05 - Introduction 4:19 - Variable rates 9:53 - Does Andrew always want to move into a leadership role? 15:00 - What does their onboarding process and training look like? 18:49 - Investing in social media 26:30 - Calculating the total dollar cost of doing the deal vs Comparing the percentage rate 27:00 - Do brokers need to have individual relationships with the underwriters and the bank directly? 33:33 - Outro Find Neal On:
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| Ep.40 | Starting a Profitable Private Lending Business from Scratch! | 31 Jul 2024 | 00:25:10 | |
Unlock the secrets of private lending with our step-by-step guide designed for real estate professionals and entrepreneurs! In this episode, Ryan and Neal will dive into how to kickstart your private lending business, covering everything from underwriting deals to committing to deals and partnering with lawyers.
Show notes: 0:58 - Introduction 3:20 - How to get started from scratch in the private lending business 8:06 - How to underwrite your deals? 11:41 - Commit to the deal 16:41 - Instruct the lawyers 20:42 - Would you ever commit to a deal without fully securing funding? 24:27 - Outro Find Neal On:
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| Ep.39 | Acquisitions Are Heating Up: What's Driving Canada's Real Estate Deals? | 24 Jul 2024 | 00:21:06 | |
Want to stay ahead in Canada's fast-moving real estate market? Join Ryan and Neal as they break down the latest, hottest acquisitions. Discover how these mega-deals are shaping the industry and, more importantly, your investment strategy. We’ll reveal why real estate is still a hot commodity (but caution against putting all your eggs in one basket). Plus, get the inside scoop on the different acquisitions and mortgage lenders, and why they’re making waves right now. Tune in for a quick, expert take on the market! Show notes: 1:07 - Introduction 2:04 - Recent acquisitions 5:38 - Alternative investment should not represent a large portion in your portfolio 7:50 - Investing in real estate has certainly become more popular 11:32 - Nesto mortgage lender 15:50 - Why are there so many acquisitions right now? 20:23 - Outro Resources: Find Neal On:
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| Ep.38 | How This Automating Software Streamlines Your Private Lending Business | 17 Jul 2024 | 00:55:57 | |
Real estate moguls and entrepreneurial go-getters, this final leg of the Ontario road show is your goldmine! Join industry leader Joseph Fooks as he unravels the secrets to private lending success and how Mortgage Automator eliminates private lending headaches. Get ready for Joseph's inspiring journey, the hidden wealth of private lending, and his innovative FINTRAC solution – all in one info-packed episode! Show notes: 1:00 - Introduction 1:55 - Joseph’s introduction and life before his business 3:38 - There’s a lot of money to be made in private lending 13:39 - Automator is created for people who have JV problems 18:17 - As the software becomes better it becomes more easier to sell 25:05 - How did their team work together to make Mortgage Automator better? 37:19 - The upside and downside of owning this type of business 45:50 - The FINTRAC solution 55:13 - Outro Resources: Find Neal On:
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| Ep.37 | Lawyers, Brokers, & Private Lending: Secrets to Success in the Ontario Market | 10 Jul 2024 | 00:56:00 | |
Calling all real estate professionals and entrepreneurs in Ontario! Join Ryan and Neal on a road trip episode featuring private lending lawyer David Carter. This jam-packed session dives into building a thriving law firm, the key differences between lawyers and brokers, and why private lending is surging in popularity. Gain valuable insights from the experts and unlock your real estate potential! Show notes: 9:16 - How did he started his firm 11:26 - Difference between lawyers and mortgage brokers 12:35 - Private lending is different from regular real estate 22:27 - How they keep working with good clients 23:33 - Why is it important for private lenders to choose a good legal partner? 33:56 - How did COVID-19 impacted his business? 37:44 - The fate of the Ontario Market 47:16 - Real estate fraud 55:20 - Outro Resources: Find Neal On:
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| Ep.36 | An Entrepreneur’s Blueprint for his Mortgage Business Success | 03 Jul 2024 | 00:52:29 | |
Welcome to the first leg of the Ontario Roadshow Tour!
In this episode, we sit down with Doug Adlam, a mortgage industry innovator, to discuss his journey in building a successful mortgage business. Discover Doug’s strategies for transitioning into his own business, the importance of finding the right team synergy, and how to seize private mortgage opportunities.
Perfect for real estate professionals and entrepreneurs, this episode is packed with actionable insights and real-world success stories!
Show notes: 0:20 - Intro 6:00 - How Doug switch up into his own real estate business 10:48 - The proactive and reactive approach to business 14:25 - It’s important to find synergy and the right fit for your team 30:50 - Did he have a founding partner, network, and connections while doing his business? 33:55 - Sharing their “big wins” in the mortgage broker space 38:20 - How do they approach an opportunity for a private mortgage? 48:30 - There is a lot of money in the sidelines for the right-priced property 51:47 - Outro Find Neal On:
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| Ep.35 | The Lending News Roundup | 26 Jun 2024 | 00:32:21 | |
In this episode, we bring you the latest news impacting the lending world. Discover why younger Canadians might deserve compensation for high home prices, predictions of accelerated rate cuts, and the growth versus productivity conundrum in Halifax. Plus, find out how rising housing prices and a vibrant start-up scene could shape the future. Listen and find out insights that matter to anyone navigating the lending landscape! Show notes: 1:23 - Introduction 3:56 - Update for next week’s episodes and exciting guests from the lending industry 4:43 - News articles in the lending sphere 4:58 - Younger Canadians deserve compensation for enduring higher home prices 13:45 - Expect accelerated rate cuts by the end of this year 18:47 - Halifax growing but productivity slows 22:52 - A lot of young migrants should be coming to Halifax for start-up scene 28:50 - Factors and reasons on the rising housing prices Find Neal On:
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| Ep.34 | Banks vs. Brokers: The Matchmaker Showdown! | 19 Jun 2024 | 00:27:54 | |
In this episode, we dive deep into the pros and cons of banks vs. mortgage brokers for your private lending needs. We explore the perks of going through your bank as well as its disadvantages. On the flip side, Neal and Ryan also share how brokers might be (or might not be) the right fit for you. Tune in to find out which option could save you time, money, and hassle on your private lending journey! Show notes: 1:07 - Introduction 4:11 - Neal's personal experiences as a real estate investor 5:38 - Brokers have access to a wider range of lenders, including banks. 11:46 - Advantages of using a bank for mortgage financing 12:45 - Sometimes your bank may offer you the best rate 14:08 - Disadvantages of using a bank 16:56 - Banks may have a slower response time for loan applications. 18:51 - What happens when you start looking for leverage-based products? 20:05 - Brokers have more access to flexible products. 22:34 - There's no cost to choose a mortgage broker 23:55 - Disadvantages of using a broker Find Neal On:
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