Explore every episode of the podcast Angry Mortgage
| Title | Pub. Date | Duration | |
|---|---|---|---|
| Many Rate Cuts To Come | EP. 88 | 03 Sep 2024 | 00:46:49 | |
The Bank of Canada Meeting is Sept 4th & the Rate Cuts will keep on coming: how many should we expect? There is a lot of reporting “Noise” about the Canadian economy, what’s important, what’s not & how to tell the difference. The kids are back in school the Summer is almost over: The Fall Real Estate Market is about to start….. Or is it? Let’s discuss. RBC CEO Dave McKay declares a Mortgage Rate War! Is that true? Maybe it is. Viewer Mail & WTAF is going on with Government telling us things are great? | |||
| BIG CHANGE | EP.87 | 27 Aug 2024 | 00:45:58 | |
Huge Shift In Thinking From Central Bankers. Last week many of the worlds Central Bankers met at their Annual Conference in Jackson Hole Wyoming & the ending speech by Fed Chairman Jerome Powell signaled a complete change: inflation is no longer an issue, now it’s the speed of cuts to save economies. Time to think of Variable Mortgages again? We break it down. Are some Home Buyers in 2020 – 2022 stuck in their houses? What the heck with $3B in US Government fines at TD? And WTAF: More sheer Government Incompetence | |||
| TOO MUCH FRAUD | EP. 78 | 25 Jun 2024 | 00:50:05 | |
Too much many incidents, too much tragedy, too much money lost, why is it happening? Why are we hearing about so much of it now? How can borrowers & investors protect themselves? Ron breaks it down. Rate World: will Variable become an option? Maybe not yet but when? CBC Program on Condo Sales Problems: Ron was in on that show. Viewer mail bag: questions get answered. WTAF: we need to wake up and see recent immigrants the right way. | |||
| The FA / FO Graph: Condo Crumble In Toronto? | EP. 77 | 18 Jun 2024 | 00:46:49 | |
The concerning direction of rental Condos in Toronto: should we be worried? Let’s break it down: BIG Mortgage Rate News: we have been waiting for the Fixed Rate Mortgage cuts, looks like they finally showed up: maybe a 50 bps cut, we analyze next week in Rates Mortgage Fraud Update: Who’s suing who? And a wild WTAF: Can’t we actually fix ANYTHING. | |||
| Angry Mortgage Insider Special Edition: RED TAPE DISASTER with Vince Gaetano | EP. 76 | 13 Jun 2024 | 00:50:54 | |
Our Special Guest Vince Gaetano reveals the sad truth behind the City of Toronto’s hellacious Permitting system, the utter insanity of building anything inside the City, the endless Neighbor Complaints, the bizarre process of managing the City Inspections Oh, and the very worst thing about this mess: the Builder is providing EXACTLY the kind of increased density housing the City is BEGGING for. And wait till you hear about the City’s fees & levies | |||
| ANALYSIS NOT PREDICTION | EP. 75 | 11 Jun 2024 | 00:48:18 | |
Aftermath of the Bank of Canada Rate Cut. Rate trends can be based on analysis but the Housing Market gives way to Prediction. The growing scarcity in Low Rise New Construction. Condo Market in for a Kicking in Toronto. Mortgage Fraud Update: Greg Martel, Claire Drage and some rumblings about “who cares about fines” Viewer Mail: when do payments drop? An Australian Bank is going ban CASH. And WTAF is going on in Ottawa: Treason? | |||
| ITS HERE! | EP. 74 | 04 Jun 2024 | 00:47:37 | |
Rate Cuts in Canada become Destiny whether it’s June 5th or July they’re coming: the GDP Report drives it home. Bank Financial Results put a stake through Canadian Credit with growing Loan Loss Provisions. With BoC cuts what is the new Mortgage Rate Strategy? How will Investment Property Buyers react: it ain’t looking good. The Ontario Mortgage Broker Regulator sets the Industry straight: no tolerance for any Bad Actors. Viewer Mail. And WTAF: Time to get Serious. | |||
| Angry Mortgage Insider Special Edition: Scandal with Frances Hinojosa | 30 May 2024 | 00:53:37 | |
3 Big Mortgage Brokerage Scandals rock Ontario: With Special Guest Frances Hinojosa 2024 has been the year Ontario Mortgage Brokerage Regulator FSRA has proven they are on job & very serious about investigation 2 Notice of Proposals for License Suspensions & one Mortgage Brokerage Owner who handed in her license. Ron & Frances review the files .
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| So SLOW What’s Going Wrong? | EP. 72 | 28 May 2024 | 00:47:36 | |
Real Estate Sales in Ontario seems to have shut down: some answers & some suspicions. How bad will things get on the Office Side office side of Commercial Real Estate? What should we think of Variable Mortgage Rates Now, Time to Re-evaluate? Something is up with Foreign money coming into Canadian RE? Looks like it VIEWER MAIL, & a Special for Toronto’s Road Work. | |||
| No Good News | EP. 71 | 21 May 2024 | 00:47:25 | |
Announcements! $10K Challenge! OSFI Cracks Down!Doom Scrolling & Rage Farming. Will overseas money transfers screw up house purchase mortgages? The Big TD Bank News trickles down. What happened to the Spring Real Estate Market? Rate Action & a heartfelt WTAF | |||
| Mortgage Fraud Charges in Ontario | EP. 70 | 14 May 2024 | 00:48:07 | |
Huge News: An In-Depth review on one of the highest level Mortgage Fraud Charges in Ontario history. Ron will run down the details, the fines, the license suspensions & how the hell it all works. + Mortgage Rate News. Worrying trends in New Construction Starts in Ontario & BC And Rant from Ron about the seemingly endless incidents of Mortgage Fraud WTAF!! | |||
| Rate Breakthrough! | EP. 69 | 07 May 2024 | 00:46:27 | |
Big Rate News on Variable Mortgages. The message out of the USA on the future of Canadian interest rates. What’s happening in Real Estate Sales Across Canada The breakdown of Rental Condos versus Low- Rise Homes WTAF is really up, why do many Canadians feel things are just not working out the way they should | |||
| Maybe It’s Scandal? | EP. 86 | 20 Aug 2024 | 00:46:33 | |
Another Government Scandal? Has The Temporary Foreign Workers Program which has been great for years been hijacked into a kind of modern servitude? Has our Government actually engineered Wage Suppression to keep Canadians poor? Has this previously great program has turned into cheap workers for Fast Food restaurant owners? Jann is under the weather so Ghaith from our Sales Group fills in this week. More Mortgage Rate strategies. Viewer Mail. Housing Start info & WTAF!! | |||
| Will It Work? What's Really Going On With Housing? | EP. 68 | 30 Apr 2024 | 00:53:45 | |
Summing up the huge number of Government initiatives to do with solving Canada's Housing Crisis. What works? What won't work? What's just BS? More Mortgage Rate News: It ain't pretty. When will the BoC drop rates? And a big WTAF Rant. | |||
| TAXES UP! | EP. 67 | 23 Apr 2024 | 00:49:10 | |
Capital Gains Tax Increase & Property Sales: it ain’t pretty. Should Canada Ban Huge Corps buying up individual houses, Hell Yes!! Calgary Mayor says all young people want to Rent & never buy a house: it’s a Freedom Thing…… Say WHAT! How small are some of these new Government subsidized units going to get? Does a 330 sqft unit seem a bit small? Bank of Canada has a big dilemma. Viewer Mail! WTAF happened with the GOLD HEIST
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| The End Of Mortgage Fraud | EP. 66 | 16 Apr 2024 | 00:47:10 | |
After 10 years of Ron beating the Drum in Mainstream & Social Media, 2 sets of Ron’s Testimony before Parliamentary Committees last Friday the Housing Minister Sean Fraser announced the Federal Government will commence consultation to allow Financial Institutions to verify Borrower Income through CRA : What a Breakthrough, thank you Minister. More Housing & Mortgage News on 30 CMHC Amortization and mortgage extensions for Financial Hardship. Mortgage Rates Update. WTAF can we please get a Full Time Finance Minster | |||
| Government’s Endless Money Printer | EP. 65 | 09 Apr 2024 | 00:47:02 | |
Government keeps throwing money all over the place but so much of it is aimed at what is destroying the Federal Government in the polls: Housing & affordability. Another $15 BILLION rolled out for rental apartment loans: when will something happen that helps people who want to BUY a home? Rate Movements this week! more bumps in Mortgage Rates. Is it going to get harder for Canadians to even get a mortgage? Facts & Fiction And What’s with the Eclipse? Is this the first frigging one ever? | |||
| One Crazy Week In Mortgages | EP. 64 | 02 Apr 2024 | 00:48:25 | |
What a Week! The Federal Liberal Government ran out the completely fake Renter Bill of Rights: We break down that Tissue of Lies OSFI the Bank Regulator laid plans to make just a little harder for Canadians to get mortgages in 2025. Blind Trust Insanity: CRA created a massive paper jungle for anyone who wanted to co-sign on their kids house. And when the Competition Bureau told the OSFI boss Peter Routledge he needed to change the Stress Test on straight renewals Peter told them to Eff Themselves | |||
| Housing Facts & Fiction | EP. 63 | 26 Mar 2024 | 00:47:22 | |
Crazy Canadian House Prices make it so hard to qualify for the huge mortgages needed to buy homes in Canada, let’s break down why housing is so screwed up. Rate Update. Viewer Mail. Why the heck are we stress testing Renewals? The Competition Tribunal Agrees with me that it makes no sense. WTAF sense is there in defunding roads but spending $40B on EV battery plants. | |||
| The Truth On Housing | EP. 62 | 19 Mar 2024 | 00:49:51 | |
Understand this: when CMHC says Housing Starts are up, when the Federal Government says $Billions$ are being spent through the Housing Accelerator Fund, when Provincial Spending $Millions$ to improve Housing Starts: its NOT many Houses to buy: its mostly rentals. Don’t be fooled 2024 will create far FEWER houses to buy than in the last decade: the TRUTH about housing in CANADA. | |||
| The Future Is Now! (Canada Real Estate) | EP. 61 | 12 Mar 2024 | 00:47:28 | |
Mortgage Rates are changing, housing trends are changing & we are coming into the key Real Estate Selling Period of the Year. What’s going to happen? Jobs Report: True or False? Random BS or Facts? Ron Analyses it Some interesting questions from Viewers. WTAF: A return to a horrific Government Scandal with an epic rant. | |||
| The Canada Housing Market Still STUPID Expensive | EP. 60 | 05 Mar 2024 | 00:48:28 | |
How can Young People In Canada afford their first homes: THEY CAN’T Not in the regions of Canada where most people live | |||
| Red Tape Is Destroying Housing | 27 Feb 2024 | 00:48:08 | |
And they’re wasting our Tax Dollars at an incredible pace: Bureaucrats are destroying Canada’s hope of lower prices for New Homes: we list some crazy examples and some Provincial Government Organizations are acting in ways NO ONE can understand. Updates on Mortgage Rates. More news on the Promissory Notes fiasco. Does BC care about home owners a hell of a lot more than the Ontario Government? WTAF, what’s stopping us from fixing Mortgage Document Fraud? | |||
| Rates DOWN. House Prices Up? | EP. 85 | 13 Aug 2024 | 00:46:30 | |
What happens next as rates fall, will RE prices take off? What is the right mortgage product to choose today? Still 3 – YR? What about 1 – YR? Variable harmed many Mortgage Holders but is it time to reconsider? New Home Construction collapses in Ontario, what’s the reason? Is there a Solution? CMHC’s Multifamily Rental Program was doing some good so naturally it was changed for the worse. The soaring Rental Cost Virus goes from BC & Ontario to other provinces. Ron’s Rant: WTAF is with Promissory Notes | |||
| Note Loan Bombshell | 20 Feb 2024 | 00:47:47 | |
The ongoing heart wrenching story of Promissory Notes gone bad. Hamilton Mortgage Broker Claire Drage has promoted millions of dollars of Promissory Notes to Investors who got an email last week that the payments have STOPPED. Ron explains what happened and how to recognize these scams. Latest Mortgage Rate Trends. More Mortgage questions answered, what’s up with Home Sales. WTAF is now used in Canada’s Parliament? | |||
| Government Mistakes Mount Up | 13 Feb 2024 | 00:48:37 | |
Angry Mortgage covers Government policy mistakes, taxation stupidity & why government conferences NEVER produce solutions. An update of massive Private Mortgage & Promissory Note Mismanagement & Lies: Investor Losses increase daily. Viewer Mail: questions get answered. Latest Mortgage Rate Movement. | |||
| Naming Names Private Mortgage Worlds | 06 Feb 2024 | 00:49:33 | |
A feature on some of the oddest stories coming out of Private Mortgage World? Will things get even stranger as the year goes on? Mortgage Rate Action for this week. US Job News, Canadian GDP And Ron’s rant on Immigration Minister’s Marc Miller’s recent interview. | |||
| High Home Prices Ruin Everything | 30 Jan 2024 | 00:45:45 | |
Real Estate is so expensive people quit having kids. What happening with Rates? Will the Ontario RE market pick up? Does that mean higher prices? How to we FIX Housing : people are tired of us complaining about RE Prices how do we fix it? WTAF is the Government doing about Car Theft: Ron’s Angry! | |||
| Angry Mortgage Insider Edition Special: Ann Pope | 25 Jan 2024 | 00:46:32 | |
Ann is one of the consummate professionals in the Mortgage Brokerage Business, she relates how massive technical stills in mortgage underwriting can bring powerful benefits to Borrowers, how current Brokerage trends may be discouraging this skill set & how the mismanagement of the City of Toronto is forcing her to change cities. | |||
| Government ISN’T Listening | 23 Jan 2024 | 00:48:57 | |
Why does it all levels of Government so LONG to recognize: problems, mistakes, clear misses & needed changes, the public has talked about needed changes for months or YEARS before Government even seems to know something is even happening. There HAS to be shorter Reaction Time. Ron Surveys sudden Rate movements. Angey Mortgage makes the Bank of Canada Rate Decision BEFORE the Bank does. The impact of endless renewal rate increases Viewer Questions Answered AND MORE. | |||
| Property Tax Crazy Town | 16 Jan 2024 | 00:44:59 | |
Huge Property Tax increases across Canada record setting jumps, Power of Sales & Foreclosures taking off: one Lender files 27 foreclosures in 7 Days WTH? Why? How bad will it get. Latest Rate News: coming down! Pre-Construction Mess: things aren’t going in the right direction, more problems everyday. WTAF Rant: Are Canadians getting poorer individually because that’s what Per Capita GDP is telling us! | |||
| Giving Up On Canada? | 09 Jan 2024 | 00:44:38 | |
Are young people giving up on Canada because home ownership is hopeless and rents are too high? Just how much have condos gone up in Ontario? Too high to work for investors anymore? Have 905 & Fraser Valley homes taken a hit? Why are there no 30 Year Mortgages like they have in the US in Canada? WTAF: is up with CEBA loans? | |||
| Debt Bomb In Canada? | 02 Jan 2024 | 00:50:46 | |
Ron breaks down the latest Debtonation Video from Pierre Poilievre: What are the facts? New Construction Appraisal Disasters: Growing consistently Fixed Rates keep dropping, how far, how fast? WTAF is going on with Tik Tok Real Estate Agents & Mortgage Brokers | |||
| Angry Mortgage Insider Edition Special: 2024 Predictions | 26 Dec 2023 | 00:45:41 | |
Rob is the first 2 time Special Guest and we hit all the 2024 predictions: Mortgage Rates! House Prices! Elections! Long frigging list. | |||
| IS IT POINTLESS? | EP. 84 | 06 Aug 2024 | 00:49:22 | |
Are NEW 30 Year Amortization Changes Really Good For Anyone? We have our doubts! 4M New Homes says Finance Minister Chrystia Freedland, please Minister Freedland don’t say this lie anymore. RATES GO DOWN! Ron talks about developments in the USA that impact Canadian Mortgage Rates. Did the Supreme Court Of Canada just publish a decision that HELPS White Collar Crime? Ron thinks they did. BIG RANT: Private Mortgage Rip Offs that will make you sick. | |||
| Wild Times In Mortgage Rate World | 19 Dec 2023 | 00:44:58 | |
US Federal Reserve shocks Mortgage World, Canadian Bond Yields fall off a cliff, will lower mortgage rates create a Real Estate Bounce in the Spring? Or will Recession & Rates in the high 4% Range do too much damage. Ron lights up the Landlord & Tenant Board. | |||
| Fixed Rates Fall. How LOW??? | 12 Dec 2023 | 00:43:34 | |
Unpacking the Bank of Canada announcement, Fixed Rates Fall: 4.89% SHOWED UP. What’s it mean for Home Prices, also what an economic downturn means for house prices. And another Epic Ron Rant! | |||
| Is **** Breaking Loose? Nah But Sorta | 05 Dec 2023 | 00:42:22 | |
Bank Loan Loss Provisions, GDP Reports, the Race Between Mortgage Rate Cuts & Recession & Ron looks like he may pop a vessel in his Toronto Rant. | |||
| AirBnb Gets Blown Up! | 28 Nov 2023 | 00:44:42 | |
Airbnb BIG News, The Finance Minister Introduces the Canadian Mortgage Charter: is it utter BS? NEW Inflation Print is in. Has Tiff Macklem run up the White Flag on Rate Hikes? And More Mortgage News. | |||
| Mortgage World Upside Down | 21 Nov 2023 | 00:46:19 | |
The Mortgage Landscape in Canada is changing fast, everyone hated Variable Rates for the last 20 months now the number of people CHOOSING Variable Rate has increased 550% in just 6 weeks. RE Sales Volume continues to grind down everywhere but Calgary. Is the Recession here? And a real rant on WTAF. | |||
| Betraying The Next Generation In Housing | 14 Nov 2023 | 00:45:11 | |
Big Show: Ron Goes To Parliament! Wild they would let him in! Ron testified before the Finance Committee on several topics: Mortgage Income Document Fraud comes under the microscope, Short Term Rentals need to be banned, House Prices in Canada MUST come down: Fairness for the Next Generation is sorely needed. WTAF! Just under 10K New Canadians arrive every WEEK in Canada & TODAY there are FEWER Homes being built. URGENCY in solving this disaster is becoming overwhelming. | |||
| Angry Mortgage Insider Edition Special: Albert Collu | 09 Nov 2023 | 00:54:18 | |
Albert Collu is the President & CEO of Marathon Mortgage Corp and has been a high level executive at both Lenders and Brokerage Networks for over 20 years. Albert brings us insights into how a Mortgage Finance Company actually works and shares his knowledge on what’s facing the Canadian Mortgage Space. It’s exciting to host a mortgage industry leader like Albert | |||
| Fixed Rates Dropping? Finally!! | 07 Nov 2023 | 00:45:56 | |
Jann & Ron discuss the rapidly changing Fixed Rate Landscape, how big a drop, how soon, how far will they fall and what about Variable Rates and HELOCS? What’s the Bank of Canada doing that may have caused this drop. What the hell have Boomers done to the youngest generation of homebuyers. And WTAF is the Immigreation department doing about getting the right professionals and Trades into Canada | |||
| When Do We See Rates Cut | 31 Oct 2023 | 00:46:09 | |
Jann and Ron discuss the Bank of Canada’s recent No Rate Increase Nothingburger, what was Tiff Macklem really trying to say in his Press Conference, are we just being Manipulated? Are the Canadian and US economies becoming VERY divergent? Will there be more Condo Construction Failures? Sure looks like it. And WTAF is going on with White Collar Crime in Canada | |||
| Angry Mortgage Insider Edition Special: Scams & Tricks Crooked | 26 Oct 2023 | 00:55:21 | |
Julian Renaud is a lawyer with difference, when he saw scams he attacked them: Water Heaters, Furnaces, Water Softeners, all illegal and unethical scams to enrich evil doers. Hear the awful facts: making Millions tricking the Elderly | |||
| Trouble Ahead | EP. 83 | 30 Jul 2024 | 00:45:26 | |
Condo Madness continues, will it get so bad that Government would consider a Bail-Out, Ron’s simple answer: HELL NO, how bad will things get? Will the Ontario Economy gone past the Crapper Stage. Just how sure is it there will be a much lower Bank of Canada Rate next year? Pretty Damn Sure. Perilous times for the Construction Industry. And Ron’s Rant: Toronto wants to TAX PAVEMENT? | |||
| All H*LL Breaking Loose In Real Estate | 24 Oct 2023 | 00:46:08 | |
The Biggest Most Expensive Condo Construction Project in Canda went broke last week. The $1.6B project known as THE ONE went into Receivership, plagued by high leverage, soaring financing and construction costs this project has been in trouble for a couple years. But is it a sign of more to come? Yes and No. There are some home and condo builders in similar situations but very few of them and nowhere near as big projects. The vast majority of builders and developers will finish their projects. | |||
| Angry Mortgage Insider Edition Special: Derek Serra | 19 Oct 2023 | 01:01:21 | |
Derek is the President of Westboro Mortgage Investment Corp and old friend, Derek charts his journey from RBC Management through to the Mortgage Brokerage Space and now at independent Lender Westboro. All I can say is the numbers speak for themselves as Derek grows the enterprises he leads Great Insight. | |||
| Financialization Gone Crazy | 17 Oct 2023 | 00:56:23 | |
Ron & Jann (Natalie is back next week) talk about Banking History, how Canada’s Financial Pillers were combined in Bank’s favor, the insanity of Financialization and a rant from Ron on Car Theft: Why is Canada running Catch & Release for Car Thieves? | |||
| Angry Mortgage Insider Edition Special: Denise Laframboise | 12 Oct 2023 | 00:51:31 | |
My Special Guest is Denise Laframboise of BRX Mortgage, Denise has an amazing story of coming from a Non-Financial background to Chief Operating Officer at BRX Mortgage in just a few years, she shares how her devotion to Training and Sales Development built her career and how BRX became a perfect fit to a still higher level of success. | |||