Explorez tous les épisodes du podcast The Canadian Mortgage Show
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Episode 52: Pre-Sale Collapse, Cancelled Listings & Canada’s Housing Gap
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 tell the whole story
The growing gap in supply and demand—and why 3.2M new homes are needed
The collapse in pre-construction sales and what it means for developers
Cancelled listings and a sluggish resale market
The looming mortgage renewal shock hitting Canadians in 2025–26
Why youth unemployment and immigration pressures are reshaping the job market
Bank of Canada’s evolving mandate and the politics behind affordability
With a mix of market analysis, policy critique, and some behind-the-scenes laughs, this episode captures both the serious challenges and human side of Canada’s housing conversation.
If you’re invested in real estate, finance, or simply trying to make sense of Canada’s housing future, this episode is a must-listen.
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 acquisition of First National, CIBC overtaking Scotiabank in market cap, and an Ontario brokerage scandal involving $8M in missing trust funds. Plus, expect real talk about Canada’s weak productivity, red tape in innovation, and how everyday Canadians can stay financially resilient.
Whether you’re a homeowner, investor, or just trying to make sense of Canada’s economy, this episode gives you the insights you need to stay informed.
Podcast Social Links: Website: https://canadianmortgageshow.com/ Instagram: https://www.instagram.com/canadianmortgageshow/ Facebook: https://www.facebook.com/canadianmortgageshow/
Follow Our Hosts: Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/ Instagram: https://www.instagram.com/alexpangmortgage/
Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/ Instagram: https://www.instagram.com/alexshanksmortgagemanagement/
Episode 50: Canada’s Housing Market Hits Record Drop – Have We Seen the Bottom?
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 U.S. stocks.
The hosts also cover:
Canada’s record-breaking decline in house prices and which regions have been hit hardest
Struggles in downtown condo and office markets as vacancy rates remain high
Credit card market share trends, with RBC, TD, and Canadian Tire among the leaders
Developer pushback against the foreign buyer ban, and the political challenges around lifting restrictions
A precedent-setting B.C. Supreme Court ruling on Aboriginal land claims and what it means for property rights
Alex’s “Pet Peeve” segment on why the mortgage industry should start recognizing crypto as a legitimate liquid asset
Practical strategies for buyers and sellers in today’s market, including how to navigate upsizing, downsizing, and leveraging tools like reverse mortgages
Whether you’re a homeowner, investor, or just keeping an eye on the Canadian economy, this episode provides timely insights on where things stand—and where they could be heading.
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 home warranty requirements. Why self-build financing has become harder and how banks assess projects. Long municipal permit delays and which areas are more “builder-friendly.” The rise of small-scale multi-unit housing (SSMUH) and its limitations. How rising labor, material, and development costs are shaping the market. Why smaller developers are struggling — and how bigger players are snapping up stalled projects. Lessons for homeowners on choosing the right builder and navigating the process from design to completion. From policy changes and market trends to personal stories from the job site, this episode offers valuable insight for homeowners, investors, real estate professionals, and anyone curious about BC’s housing market.
Podcast Social Links: Website: https://canadianmortgageshow.com/ Instagram: https://www.instagram.com/canadianmortgageshow/ Facebook: https://www.facebook.com/canadianmortgageshow/
Follow Our Hosts: Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/ Instagram: https://www.instagram.com/alexpangmortgage/
Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/ Instagram: https://www.instagram.com/alexshanksmortgagemanagement/
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 buyer’s market in BC, the slowdown in new home sales, and the long‑term outlook for Canadian real estate.
Whether you’re renewing, buying your first home, or just following market trends, this episode gives you the tools to make informed decisions in today’s unpredictable housing market.
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 banks due to factors like low credit scores or urgent financing needs. Marc clarifies common misconceptions, highlighting how the industry has grown into a multi-billion dollar sector with increased regulation since 2018, building public trust.
https://www.altemanfinancial.com/about
Podcast Social Links: Website: https://canadianmortgageshow.com/ Instagram: https://www.instagram.com/canadianmortgageshow/ Facebook: https://www.facebook.com/canadianmortgageshow/
Follow Our Hosts: Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/ Instagram: https://www.instagram.com/alexpangmortgage/
Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/ Instagram: https://www.instagram.com/alexshanksmortgagemanagement/
Episode 46: Beyond The Ring - Victoria Fung on Tough Markets and Real Estate Moves
This week, we're honoured to host the remarkable Victoria Fung from Oakwyn 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 unparalleled insights into today's dynamic Canadian housing market. This isn't just about property; it's about strategy, strength, and securing your future.
Here’s a quick look at what you’ll learn:
Victoria Fung: From Muay Thai to Real Estate. Discover her unique journey and how fighting shaped her discipline.
Applying a Fighter's Discipline to Market Challenges. How competitive spirit and stress management are vital in real estate.
Current Market Trends: Jobs, Interest Rates & Buyer Behavior. Insights into economic factors influencing the housing market.
Navigating Pre-Sales, New Builds, and Development Fees. Essential information on the challenges and costs in new construction.
Real Estate as Investment vs. Lifestyle. A critical look at homeownership mindsets.
Specializing in Divorce Sales. Victoria's unique expertise in helping clients through difficult transitions.
Key Advice for Buyers and Sellers. Actionable strategies for success in today's market.
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 clear talk, solid stats, and real insights.
Here’s what you’ll get from this episode:
The Canadian dollar's strengthening and implications for the economy
The disruptive impact of AI on jobs and why companies are downsizing
How government budgeting and spending influence the economic climate and real estate as an investment
Current perspectives on interest rates and real estate transactions
Insights into the broader economic trends affecting affordability
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 developers like Rhys Heritage Properties are going bust What’s behind the rise in mortgage fraud across Canada How higher interest rates and slower immigration are hitting demand Hard numbers: Which provinces are seeing home values rise or fall Youth unemployment struggles vs. job openings in smaller towns—what’s the deal?
In this episode, Alex Pang and Alex Shanks break down offset mortgages—a financial tool that could help you save thousands in interest and pay off your mortgage years ahead of schedule. But it's not for everyone...
Here’s what you’ll learn:
What is an Offset Mortgage? How it works and how it compares to traditional mortgage + HELOC products
Who Should Consider This Strategy? Ideal profiles for maximizing this mortgage setup
How the Interest Really Works: Breaking down the mechanics of offsetting interest with your cash flow
Pros and Cons:
Save thousands in interest
Pay off your mortgage faster
BUT: It only works if you’re disciplined with your spending
The Best Offset Mortgage Products in Canada:
Manulife One
National Bank All-In-One
vs. Traditional setups like RBC Homeline, BMO Readiline, Scotia STEP, TD Flexline, CIBC Home Power Plan
Red Flags: Why some people actually pay more over time despite using this setup
In this episode, Alex Pang and Alex Shanks break down the storm clouds gathering over Canada’s real estate and economic future. From collapsing condo markets to historic debt levels and controversial government spending—this week pulls no punches.
Here’s what you’ll learn:
Condo Crisis: Why sales are down 75% in Toronto and 37% in Vancouver—and what it means for future housing supply
$85B in Real Estate Loans: Why developers are borrowing more than ever from Canadian banks
Cancelled Projects Skyrocket: Pre-construction units going unsold and lenders pulling out—will your pre-sale survive?
Record Debt, Record Risk: Household debt-to-income ratios and debt-to-GDP are at all-time highs
4.8 Million Homes Needed: CMHC says Canada needs to double its homebuilding pace to restore affordability
Canadians Crushed by Rent: Nearly 40% of renters spend half their income on rent, many waiting for prices or rates to drop
Canada Sends $20B to Ukraine while banning gas vehicles by 2035—how does this sit with voters?
Conservatives Force GC Strategies to Pay Back $64M—and ban them for life from future government contracts
Canadian Tire Recruiter Fined for charging thousands to foreign workers—again
BC Updates & Uproar: Layoffs, BC Ferries turning to China, and Vancouver renames a street with an unpronounceable First Nations name
In this week’s episode, Alex Pang and Alex Shanks unpack the latest employment data, rental drama, and a growing storm of government mismanagement. Whether you’re a landlord, homebuyer, or just frustrated taxpayer—this one’s for you.
Here’s what you’ll learn:
Why unemployment is spiking—especially for students—despite “steady” wage growth
The professional tenant crisis in Ontario & BC and how platforms like OpenRoom.ca can protect landlords
What happened to CRA’s promised income verification tool? Has it quietly disappeared?
OSFI may scrap the mortgage stress test—what income-based lending caps could mean for affordability
Why June 8th was Tax Freedom Day—and what that says about your hard-earned money
Average asking rents drop year-over-year—but are still way up from 2-3 years ago
The scandal around ArriveCan: $40M gone, 7-year vendor ban, but no one going to jail?
Auditor General slams federal procurement as riddled with incompetence and corruption
Case scenario: Upsizing in a down market using a refinance strategy
Ontario recruiter fined for charging foreign workers thousands to work at Canadian Tire
In this week’s episode, Alex & Alex break down the latest Bank of Canada decision and what it means for your wallet. From rising fixed rates to rising credit delinquencies, we explore how Canadians are managing debt—and what’s coming next.
Here’s what you’ll learn:
Why the Bank of Canada held the rate at 4.75% and what could trigger a cut in July
The fixed-rate hike: what’s driving lenders to increase mortgage rates again
17% of first-time homebuyers missed a mortgage payment—what that says about affordability
1.4 million Canadians missed a credit payment in Q1—highest since 2009
The BoC admits foreign students are displacing Canadian workers in low-skilled jobs
Is the Canadian recession already here? Economists think so
Desjardins warns more debt is coming—more than what we saw during the pandemic
CMHC reveals why homeowners are really adding secondary suites (hint: it’s not for grandma)
The downsizer dilemma: How a reverse mortgage can let seniors buy now and sell later
In this week’s episode, Alex & Alex unpack Canada’s worsening housing affordability crisis, new tax breaks for first-time buyers, and why big banks are cutting HELOC limits without notice. They also explore rising gas prices in BC and the controversial push to reopen the market to foreign real estate investors.
Here’s what you’ll learn:
New GST relief for first-time homebuyers on homes up to $1M, with reduced GST on homes between $1M and $1.5M
Carney’s 1% income tax cut for the lowest bracket, saving families up to $840 starting in 2026
Rising unemployment among recent grads and why trades may be the safer path
How long it now takes to save for a downpayment in Canada—and why affordability may not improve for 25 years
Why some experts say Canada must let home prices fall to restore affordability
TD’s recession forecast: 100,000 job losses ahead, layoffs at CRA and major banks
Canada’s inflation drops to 1.7% after carbon tax pause—but core inflation remains high
HELOC limits are being reduced or revoked by banks—how and why it’s happening
Rennie lays off 25% of staff; Metro Vancouver condo inventory expected to surge 60%
Gas prices in BC rise again despite carbon tax pause—what’s causing the spike
BCREA economist argues for reopening to foreign buyers to fund new developments
Concerns mount over growing standing inventory and stalled housing activity
In this week’s episode, Alex & Alex dive into Cash Damming—a powerful but lesser-known tax strategy that can help you turn personal debt into tax-deductible business debt. Whether you're a freelancer, landlord, or sole proprietor, this might be the financial play you've been overlooking.
Here’s what you’ll learn:
What is Cash Damming? How this strategy legally converts personal debt into tax-deductible business debt
Who can use it? Rental property owners, freelancers, and sole proprietors—find out if you qualify
How it works: The step-by-step setup you need, including separate bank accounts and a personal line of credit
The benefits: How you can speed up paying off your mortgage and write off loan interest
The fine print: Why a clean credit score and long-term discipline are key, and what to watch for if you’re in a partnership or going through a breakup
Real talk: This isn't a get-rich-quick scheme—it's a slow burn tax efficiency move that could save you thousands
In this episode, Alex Pang and Alex Shanks unpack a whirlwind week of headlines—from a struggling jobs market to a newly reshuffled cabinet under PM Mark Carney. With major shifts in trade, real estate, and immigration policies, Episode 37 breaks down what matters most to Canadians trying to make sense of a chaotic spring.
Here’s what you’ll learn:
Why April’s weak job numbers are pushing economists to bet on a June rate cut
What Canada’s crumbling real estate market means for buyers still waiting on the sidelines
How Mark Carney’s new cabinet reshuffle could signal a major policy pivot—especially on housing and pipelines
Why Robertson says prices don’t need to fall to solve the housing crisis (and why many disagree)
The UK's radical immigration overhaul—should Canada do the same?
What a missing federal budget in 2025 could mean for investors, ratings, and future stability
Honda's big EV delay, Bell’s $32M reversal, and why Canadian Tire just bought Hudson’s Bay
What the Bank of Canada is warning about tariffs—and how they could spiral into a financial storm
Why 6,000 grocery items are getting a “T” label, and what it means for your grocery bill
In this episode, Alex Pang and Alex Shanks break down the latest waves rocking Canada’s economy, housing market, and political scene. From thousands of job losses in Oshawa to tighter immigration caps and ballooning mortgage risks, we unpack what’s happening—and what might hit next. Plus: BC’s fourth credit downgrade, Poilievre’s by-election setup, and the rise of the “Longest Ballot” movement.
Here’s what you’ll learn:
GM cuts 3,000 jobs in Oshawa, while credit card and auto arrears spike among renters
Carney plans to cap temp workers and international students below 5% of the population by 2027
GTA home sales fall 23% in April, listings surge, and condo prices expected to drop another 10%
Despite rising rates, mortgage defaults stay low—but 80% of Canada’s mortgages sit with Big 7 banks, and amortizations are stretching dangerously
Business insolvencies are finally declining—but economic anxiety remains high
BC gets hit with a fourth credit downgrade and tightens enforcement on Airbnb listings
Municipalities question short-term rental rules as tourism slows and inventory climbs
Fraser Institute warns Carney’s fiscal path could bring higher debt and future tax hikes
Pierre Poilievre sets up a by-election in Alberta after MP resigns—6 months before qualifying for a pension
“The Longest Ballot” movement plans to flood Poilievre’s riding with over 200 candidates
A riding in Ontario flips to the Liberals by just 29 votes, boosting their minority to 169 seats
In this episode, Alex Pang and Alex Shanks unpack a whirlwind week in Canadian politics and public life—from the Lapu Lapu Festival tragedy in Vancouver to a historic federal election that reshaped the political map. With Mark Carney’s surprise comeback, the NDP’s collapse, and economic red flags piling up, we ask: where is Canada headed?
Here’s what you’ll learn:
What happened at the Lapu Lapu Festival—and what it reveals about mental health and public safety
How the Liberals pulled off a minority win—and why another election could come sooner than you think
Why Pierre Poilievre keeps his leadership despite losing his seat—and how young and union voters helped reshape the map
Jagmeet Singh’s resignation and the NDP’s fall—from 18% to just 6% of the vote
Rising Western alienation, Alberta’s referendum law, and the growing calls for separation
Why economists warn of a deeper recession—despite falling inflation and upcoming rate cuts
The crash of Toronto’s condo market—and what it signals for Canada’s housing future
Is foreign investment the key to reviving real estate? The debate heats up
Why breaking your mortgage may no longer make financial sense
In this episode, we welcome Matt Backett, a seasoned wealth advisor with nearly two decades of experience helping Canadians navigate financial uncertainty. From volatile markets and rising interest rates to the generational wealth transfer reshaping real estate, Matt breaks down how to stay calm, build a plan, and invest with confidence.
We tackle:
Why more Canadians are pulling out of real estate
The emotional traps that derail DIY investors
How to prep your kids (or grandkids) to buy a home without wrecking your retirement
What government policies and election outcomes might mean for your wallet
Why “buy low, sell high” is easier said than done—and how to actually do it
In this episode, Alex Pang and Alex Shanks return to unpack one of the most critical moments in Canada’s political landscape as the 2025 election looms large. From Pierre Poilievre’s bold promises to Mark Carney’s controversial financial past, Episode 33 dives deep into the campaign trail chaos, early voting buzz, and the policies that could reshape Canada’s future. Whether you’re a first-time voter or a longtime political watcher, this is an unfiltered, no-spin conversation about what’s really going on behind the headlines.
Here’s what you’ll learn:
Why over 2 million Canadians showed up to vote early—and what that might mean for the final result
The truth behind pencil ballots and the legal right to bring your own pen
Why Pierre Poilievre’s name might be hard to find on his own riding’s ballot
What’s actually in Pierre’s housing plan—and whether 2.3 million homes in 5 years is even possible
Mark Carney’s offshore business links and how they connect to his green platform
Why cutting federal and provincial taxes on Canadian-made cars could change the auto industry
The risks of municipalities losing revenue if development fees are cut—and what that means for housing supply
Whether Carney’s prefab housing plan helps Canadians—or his own bottom line
Why business leaders are backing Conservatives—and what the agri-food industry’s silence might suggest
What a 25% cut to bureaucracy would look like under a Conservative government
How social media outrage, misinformation, and partisan anger are shaping voter behaviour
Why some retired police officers are calling for Liberal expulsions over national security concerns
What $130 billion in proposed new spending would really do to Canada’s national debt
And the controversial "home equity tax" Carney is eyeing—and who it could hit the hardest
In this episode, Alex Pang and Alex Shanks sit down with Trenton Poy, longtime political insider and founder of Mountain View Insurance. With nearly four decades of political involvement, Trenton brings a grounded, behind-the-scenes perspective on how elections work, why your vote matters more than ever, and how housing, taxation, and federal policy are impacting Canadians across the board.
Here’s what you’ll learn:
Why Trenton got involved in politics at 14—and why he says you should too
How federal leaders’ housing promises stack up against historical realities
Whether removing GST for homebuyers will make any real difference
The truth about municipal development fees and inflated home prices
Why government-built housing rarely works—and what should be done instead
Which ridings will decide the 2025 election (and how BC and Alberta now rival Quebec in influence)
The risks of political apathy and misinformation in a social media world
Trenton’s message to first-time voters—and what he’d say to anyone giving up on the system
In this episode, Alex Pang and Alex Shanks return with an explosive episode of The Canadian Mortgage Show, discussing the latest from the upcoming federal election, tariffs, and new housing plans.
Here’s what you’ll learn:
BC Premier David Eby’s desperate move to bring real estate speculators back into the market
Vancouver’s “Condo King” Bob Rennie’s bold proposal with Mark Carney to attract foreign investment for rental properties
Mark Carney’s controversial $35B plan to build 500K homes per year
Pierre Poilievre’s tax cuts, including a Reinvestment Tax Cut and a promise to help trades workers with tax write-offs
Pierre’s new mandatory life sentences for mass gun smuggling, human trafficking, and fentanyl trafficking
Carney’s meeting with Trump and the ongoing relationship between Canada and the U.S.
The resignation of Liberal MP Paul Chiang after controversial comments on Tory candidate Joe Tay
Real estate market updates on housing sales and prices in Toronto, Vancouver, and Montreal
BC’s new carbon tax and the Speculation and Vacancy Tax
The shocking $500M mortgage fraud scandal in BC—no criminal charges yet!
In this episode Alex Pang and Alex Shanks return with another explosive episode of The Canadian Mortgage Show, breaking down the chaos as Mark Carney officially calls a federal election for April 28th. The race is tight, the promises are flying, and the fallout from the U.S. tariff war is hitting Canada hard—jobs are being lost, home sales are slowing, and prices are dipping nationwide.
Here’s what you’ll learn:
What Mark Carney and Pierre Poilievre are promising for homebuyers, taxes, and the economy
Why Carney skipped the French debate, and why Poilievre is gaining ground with key demographics
The massive layoffs hitting RBC and Canada’s manufacturing sectors
Trudeau’s last move: capping NSF fees and protecting consumers
How U.S. tariffs are already affecting Canada’s steel, auto, and banking industries
Real estate market updates across Toronto, Vancouver, Montreal, and BC
BC’s carbon tax gets scrapped, and the Speculation and Vacancy Tax is rising
BC's shocking $500M mortgage fraud scandal—and no criminal charges?!
In This Episode, Alex Pang and Alex Shanks dive into what’s shaking the Canadian mortgage world—from escalating global tariffs to AI calling bots booking mortgage appointments (yes, really!). They recap the key takeaways from the Canadian Mortgage Summit, including how AI is creeping into the mortgage space, and dissect the ripple effects of the ongoing trade wars with the U.S. and China.
You’ll also hear about:
The impact of new U.S. tariffs and Canada’s retaliatory moves
Mark Carney becoming the unelected Prime Minister
BMO, TD, RBC, and other Big 6 banks’ predictions on rate cuts
Rocket Mortgage Canada closing its doors
Why Hudson’s Bay just filed for bankruptcy
BC, Alberta, and Ontario banning U.S. liquor and hiking prices
Whether stress tests will soon be replaced with loan-to-income rules
CRA cracking down while inflation creeps back up
And the surprising role AI might play in future mortgage applications!
In this episode I sit down with Tuan Luong, a seasoned commercial mortgage broker and founder of Bluestone Capital, to break down how commercial real estate is shifting—and why savvy investors are making the switch from residential to commercial properties.
With rising tariffs, changing market conditions, and more financing options than you think, commercial real estate is opening huge opportunities for investors. Tuan shares insider strategies, industry trends, and financing secrets that can help you get started or scale up your portfolio.
🚀 What You’ll Learn: ✔️ Why big players are still thriving—while small developers struggle ✔️ How rising tariffs and construction costs are reshaping the market ✔️ The shift from residential rentals to commercial properties—what investors need to know ✔️ Creative financing strategies like vendor take-back loans & joint ventures ✔️ The truth about commercial property cash flow & long-term value
In this episode, Alex Pang and Alex Shanks cover the latest earthquake in BC, Trudeau’s $81K grocery bill, and the March 4th tariff impact on interest rates. Plus, we discuss Ontario’s bold response to US tariffs, the Calgary housing slowdown, and how BC’s power shortage is stalling new developments.
In this episode, Alex Pang and Alex Shanks cover the latest trade war escalation, how tariffs could push Canada into recession, and the Bank of Canada’s dire warning. We also dive into RBC’s aggressive mortgage renewal push, the rising age of first-time homebuyers, and Ontario’s higher education crisis as universities slash programs.
In this episode, Alex Pang and Alex Shanks break down the latest inflation spike, why fixed mortgage rates are climbing, and how rents are finally dropping in certain markets. We also cover a Toronto real estate insurance scam caught on camera, Canada’s $40B high-speed rail plan, and the shocking Delta plane crash in Toronto.
n this episode, Alex Pang and Alex Shanks break down Trump’s latest tariff threats, the devastating impact on Canada’s economy, and how homebuyers are getting burned by the presale market. We also cover the Big 6 Banks’ latest rate forecasts, a wild MP pay raise, and the housing crisis in Jasper.
In this episode, Alex Pang and Alex Shanks break down the rapidly escalating trade war between the US, Canada, and Mexico—and how it’s about to shake up the economy. We also discuss the Bank of Canada’s potential emergency rate cuts, Trudeau’s call to cancel US travel, and the Wall Street Journal’s brutal take on the tariffs.
In this episode, Alex Pang and Alex Shanks dive into the Bank of Canada’s latest rate cut, Canada’s response to Trump’s tariffs, and new forecasts on housing demand. Plus, we break down the TD Bank shake-up, the Liberal leadership race, and crucial tax planning tips for homeowners, investors, and business owners.
In this episode, Alex Pang and Alex Shanks discuss major political and economic shifts, from Mark Carney & Chrystia Freeland’s surprising carbon tax reversal to BC’s new short-term rental registry. Plus, we break down how Trump’s 25% tariff on Canada & Mexico could impact trade, inflation, and interest rates.
00:00 - Intro 3:30 - Carbon Tax Debate 8:31 - Short Term Rental Regulations in BC 12:12 - Landlord and Tenant Dynamics 17:30 - Inflation and Interest Rates Overview 27:07 - Telecommunications and Competition in Canada 29:12 - Impact on Trump's Tariffs on Canada 32:50 - Electric Vehicles: Myths and Realitites 36:36 - Potential Economic Consequences of a Trade War 39:44 - The TikTok Controversy and Data Privacy 44:43 - Consumer Rights and Corporate Accountability Unionization and Job Security in the Modern Economy 49:43 - Outro
In this episode, Alex Pang and Alex Shanks unpack the latest updates from Canada’s Big 6 Banks on rate forecasts, a surge in Montreal’s real estate market, and troubling news about Canadian household debt. Plus, we discuss property tax hikes, unemployment changes, and what’s happening with the Liberal leadership race.
In this episode, Alex Pang and Alex Shanks discuss the latest updates on Canada’s capital gains tax changes, budget cuts, and the state of the economy. Plus, we dive into controversial proposals like Canada becoming the 51st state and bold ideas to address population growth.
2:57 - Canada's Capital Gains and Its effects 6:06 - Government Budget Cuts and Public Sector Layoffs 8:59 - Trudeau's Resgination and Reshaping of the Political Landscape 11:58 - Real Estate Market Dynamics and Homeownership 15:00 - Financial Literacy and Consumer Protection 18:06 - CRA Enforcment and Tax Compliance 20:57 - Auto Financing and Consumer Debt Issues 28:03 - Gig Economy and Tax Implications 30:05 - Canada's Economic Contraction and Recession Reality 32:07 - Trump's Influence on Canada and Economic Policies 34:08 - Universal Healthcare and Taxation Concerns 35:49 - The Impact of Birth Rates on Society 38:01 - Governemnt Incentives for Families and Their Effectivness 39:51 - The Mortgage Renewal Cliff and Its consequences
In this pivotal episode, Alex Pang and Alex Shanks break down the political shakeup following Justin Trudeau’s resignation as Prime Minister, the latest economic updates, and the impact on Canada’s housing and financial markets. Get the inside scoop on what this means for Canadians in 2025.
00:01 - Holiday Reflections and Gaming Nostalgia 4:09 - Political Turmoil: Truduea's Resignation 10:01 - Government Changes and Economic Implications 16:08 - Mortgage Market Dynamics and CRA Updates 24:47 - Interest Rates And How It Impacts the Economy 30:54 - Inflation Trends and Consumer Impact 34:34 - The State of Banking and Competition in Canada 37:47 - New Tax Regulations and Their Effects 40:41 - Forecasting Housing Market Trends for 2025
In this episode, Alex Pang and Alex Shanks discuss the Bank of Canada’s unexpected rate cut, falling rent prices, government deficit concerns, and the latest banking scandal. We also answer viewer questions and share a special holiday message to our listeners.
Bank of Canada Surprises with a 50 bps Rate Cut
Unemployment Hits 6.8%
Investors Dominate BC’s Housing Market
Rent Prices Hit a 15-Month Low
Government Fallout & Policy Changes
Upcoming Secondary Suite Loan Program
Latest Banking Scandal
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We’re taking a holiday break and will return on January 9th. Until then, we wish you all a Merry Christmas & Happy New Year! See you in 2025!
Episode 16: Why GTA Home Starts Could Hit Zero by 2030!
In this episode, Alex Pang and Alex Shanks cover everything from skyrocketing home prices in Canada’s biggest cities to evolving mortgage rules, Trump’s surprising comments, and what to expect from the Bank of Canada’s next rate announcement.
In this episode, Alex Pang and Alex Shanks are joined by Gavin Webb, a Portfolio Manager and Certified Financial Planner at Acumen Capital Partners. Gavin shares his expertise on retirement, estate, and tax planning, diving into key financial strategies for Canadians navigating today’s economic landscape.
In this episode, Alex Pang and Alex Shanks dive into October’s market updates, big policy announcements, and viewer questions. From rising home sales to Trump’s latest plans, we explore how these changes impact Canadians and the broader economy.
October Housing Market Update
Interest Rate Outlook
Immigration, GST Holidays, and Government Moves
From December 14 to February 15, the federal government is removing GST on the following items:
Restaurant meals, snacks, and alcohol (under 7% ABV).
Toys, video game consoles, and Christmas trees.
Children’s clothing, shoes, car seats, and diapers.
Chrystia Freeland calls this a move to fight the "vibecession":
A term describing the public’s negative perception of the economy, despite data suggesting otherwise.
$250 cheques for those with incomes under $150K – will these measures earn the Liberals your vote?
What about removing the carbon tax altogether to save even more?
BC Developer in Receivership
Developer Thind enters receivership with $305M in debt, impacting multiple projects in the Lower Mainland.
Is this the beginning of a trend? More developers could be in trouble soon.
Trump Wins US Election
Markets rally as Trump promises:
Corporate tax cuts.
Reduced government spending.
Trump appoints Elon Musk and Vivek Ramaswamy to lead his Department of Government Efficiency (DOGE):
Discussing partnerships with Argentina’s Javier Millei to cut government waste.
Can Canada learn from this? Who would be in our DOGE – Kevin O'Leary? Jim Pattison?
Tariffs incoming:
10% on goods from China.
25% on goods from Mexico and Canada until action is taken on drugs and illegal migration.
Potential impacts on the Canadian dollar and trade.
In this episode, Alex Pang interviews Dylan Taylor, a real estate lawyer at Dawson Mullin Law, to discuss everything you need to know about the legal side of real estate. From navigating the sales and purchase process to avoiding common pitfalls, Dylan shares his expertise and insights to help buyers, sellers, and industry professionals alike.
In this episode, Alex Pang and Alex Shanks discuss the latest developments across Canada and beyond, including the BC election results, shocking revelations about CRA’s lack of oversight, and updates on the housing market. Dive into these timely topics and their implications for Canadians.
Topics Covered
BC Election Results
The NDP wins the BC election with a slim majority, securing 47 seats, while the Conservatives take 44 seats and the Greens hold 2 seats.
This marks the first time in BC history that the NDP has won a third consecutive term.
Final results were declared a week after polls closed and mail-in ballots were counted.
Ontario’s Medical School Ban on International Students
Starting in 2026, Ontario plans to ban international students from attending medical school.
95% of medical school spots will be reserved for Ontario residents, with the remaining 5% open to students from other parts of Canada.
Greater Vancouver Food Bank Limits
The Greater Vancouver Food Bank announced it will no longer serve first-year international students.
Federal rules require international students to have $20,635 saved up, in addition to tuition and travel costs, to study in Canada.
Food bank usage among BC post-secondary students has more than doubled from 2019 to 2023.
CRA Scandal: $40M Fraud
A Canadian taxpayer defrauded the CRA by falsely amending tax returns, claiming over $40M in refunds.
The CRA began issuing payments without verification, only realizing the fraud after CIBC flagged a $10M deposit.
CBC's Fifth Estate investigation revealed CRA lacked policies to scrutinize unusually large refunds.
Policies have since been updated to include extra checks for refunds over $50K.
Bloq Quebecois and No-Confidence Vote
The Bloq Quebecois plans to call for a no-confidence vote in the Liberal government.
The party will attempt to convince the NDP to join them in triggering an election.
Pierre Poilievre’s GST Promise
Pierre Poilievre announced that the Conservatives, if elected, will remove GST on new construction under $1 million.
How will this impact housing affordability and development?
US Election & Market Reactions
The US Election will take place on November 5th. By the time this episode goes live, the next President will be announced.
Speculations on how the results could impact financial markets.
Rate Update
No major changes since the BOC rate cut.
Fixed rates remain stable, but if you're locked into a fixed rate of 5.50% or higher, it may be worth considering breaking your mortgage.
In this episode, Alex Pang and Alex Shanks dive into the latest updates affecting Canadian homeowners, from significant interest rate cuts to impactful tax rulings and political developments. Find out how these changes might affect your mortgage and the housing market.
Topics Covered:
Bank of Canada Cuts Rates by 50 bps
Tax Court of Canada Ruling on Airbnb Rentals
BC Election Update
Rumors Surrounding Liberal Party Leadership
Federal Government Reduces Permanent Resident Intake
In this episode, Alex Pang and Alex Shanks cover a range of important economic updates, including Canada’s improving unemployment rate, inflation trends, banking scandals, and global financial news. Stay tuned for in-depth discussions on what these developments mean for Canadians and the broader financial landscape.
In this episode, Alex Pang and Alex Shanks break down significant changes announced by the government regarding insured refinances, bond yields, and the volatile geopolitical climate.
Topics Covered:
Government to Allow Insured Refinances at 90% Loan-to-Value (LTV) Starting January 2025
Government Plans to Tax Vacant Land
Bond Yields and Rate Predictions
Geopolitical Unrest and Its Impact on Canada
Tune in for an in-depth discussion of these critical issues affecting homeowners, investors, and the Canadian housing market.
Episode Description: In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks discuss the latest updates impacting homebuyers and mortgage holders in Canada. From OSFI’s removal of the stress test for uninsured mortgage renewals to new government deals for affordable housing in BC, and the details of the $1.5M insured mortgage cap for first-time homebuyers—there’s a lot to unpack. They also answer listener questions in the Viewer Mailbag segment. Don’t miss out on the insights that could save you thousands on your next mortgage or home purchase!
Topics Covered:
OSFI Removes Stress Test for Uninsured Mortgage Renewals (Effective Nov 21st)
BC Government Partners with First Nations for Affordable Housing Development
Insured Mortgage Cap Raised to $1.5M for First-Time Homebuyers
In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down the latest economic and political shake-ups in Canada. From rising unemployment to looming interest rate cuts, and the potential collapse of the Liberal-NDP coalition, we cover it all. What does this mean for the real estate market and Canadian homebuyers? Tune in to find out!
Topics Covered: Unemployment Hits 6.6% in August:
Canada’s unemployment rate rose to 6.6%, with youth unemployment spiking to 14.5%.
Discussion on how mass immigration and low-wage Temporary Foreign Workers (TFWs) are driving this trend.
Little evidence of widespread layoffs, but with rapid population growth and minimal economic expansion, is this a warning sign?
Interest Rate Predictions:
The Bank of Canada is expected to continue cutting rates, with a 50 bps cut on the table for October 23rd.
We could see 5-year fixed rates at 3.99% soon (insured) and conventional 5-year fixed with a 3-handle by spring or early summer.
Political Drama: Jagmeet Singh Ends Coalition with the Liberals:
What does the collapse of the Liberal-NDP coalition mean for Canada?
Pierre Poilievre accuses Singh of holding out just to qualify for his pension, leading to the nickname "Sellout Singh."
The NDP’s sudden opposition to the carbon tax could trigger an election this fall.
The Bloc Quebecois is already making demands in exchange for their support, asking for taxpayer money to flow to Quebec.
In this exciting fifth episode of The Canadian Mortgage Show, we welcome our very first guest, Hasan Juma, a well-known real estate expert. Together with Alex Pang and Alex Shanks, we dive deep into the housing crisis in British Columbia, exploring the key challenges in improving affordability, the role of immigration and infrastructure, and current trends in real estate investment. We also tackle the ongoing debate around rent control and its far-reaching implications.
Topics Covered:
Challenges in Improving Housing Affordability in BC
In this emergency episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks dive into the breaking news surrounding Canada's new mortgage rules and the U.S. Federal Reserve's major rate cut.
We discuss the expansion of insured mortgages to 30 years for first-time buyers, the increase in the mortgage cap to $1.5M, and how these changes might drive debt and inflation higher. We also cover the latest on Canada's inflation rate and whether the Bank of Canada will follow the U.S. Fed in cutting rates.