Clinton and Todd discuss the Bank of Canada's recent rate cut of 25 basis points, with predictions of further cuts in October and December, opening up the market for some buyers.

With 20 years in the mortgage industry, Clinton Wilkins and his team are undeniable experts, with quality relationships with lenders. Clinton, alongside his co-host Todd Veinotte, chats through why going through a mortgage broker versus a bank may be beneficial for you!

Do you know of all the different reasons why you should refinance your home? Clinton and Todd explore the reasons why more Canadians have decided to refinance their home. Todd shares his personal experience with refinancing, and Clinton gives some major advice.

In Season 4, Episode 3, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about springing into homeownership! From the Bank of Canada's increase to interest rates, renovations, updates on the housing market, and to the new trend of families giving large gifted down payments, you won't want to miss the information in this episode!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 2, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk all things love in this Valentine's Day special. Learn all about how you can love your home with simple to big project improvements, how first-time home buyers can love their first home, and the details of buying a home with someone you love.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Clinton Wilkins and Todd Veinotte are back for the fourth season of Mortgage 101! In episode 1, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about Merry Debtmas and how increasing your credit and a refinance can help you recover after some overspending during the holidays.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In this second part to the Financial Literacy Month Special of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7, the guys take a deep dive into real estate trends across Canada and bring on three special guests: Chris Turcotte, President of CENTUM Financial Group, Alex Lavender, Mortgage Broker at Clinton Wilkins Mortgage Team, and Danielle MacLean, Partner and Lawyer at DCL Law! This is the final episode of Mortgage 101 for 2021! See you next year!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3 Episode 13, a LIVE special of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7, the guys answer questions from callers! Listen to find out more about if reverse mortgages are right for you, if variable-rates are better than fixed-rates right now, and if you can use RRSP investments as security for a mortgage without having to cash them out.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3 Episode 12, a LIVE special of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7, the guys answer questions from callers! Listen to find out more about the home construction rate in Nova Scotia, the demand for skilled labourers, insurance and co-signers on a mortgage!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In this Financial Literacy Month Special of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7, the guys talk about the importance of Financial Literacy and bring on two special guests: Leanne Myles, Associate Mortgage Broker at Clinton Wilkins Mortgage Team, and James Dwyer, Real Estate Agent at Engel & Völkers!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 10, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about what's happening in the Atlantic Canadian housing market, and bust some misinformation around mortgages!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 9, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about the importance of a pre-approval in a seller's market, the new physician's program and getting a mortgage in a medical residency, plus the different types of insurance and how major the differences can be.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 8, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about Pride in homeownership, the cost of building materials and home renovations, plus immigration and mortgage lending.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Are you relocating this posting season? Clinton Wilkins sits down with Todd Veinotte to chat about working with lenders who have Military Programs, and some of the credit requirements involved in the process of a pre-approval.

In Season 3, Episode 7, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about CMHC relaxing it’s mortgage insurance policies, investing in real estate, and how a refinance can benefit you this summer.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 6, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about Canada's mortgage stress test, cottage purchases and problems with operating short term rentals, plus affordable housing problems and solutions.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 5, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about the hot real estate market, mortgage rates, and property renovations.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 4, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about costal development, mortgage insurance, and home renovations.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 3, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about relationships with mortgage lenders, variable vs fixed mortgage rates, and home listings.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 2, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about loving your home, refinancing, and properties with secondary suites.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 3, Episode 1, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about how homeowners continue to move through COVID-19, changing property values, and closing costs.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 11, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about credit scores, appraised home values, and spousal buyouts, in this Financial Literacy Month special.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 10, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about refinance on rental properties, mid-term mortgage renewals, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 9, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about reverse mortgages, interest rates, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Clinton and Todd dive deeper into the Bank of Canada's decision to reduce the key overnight rate by 25 basis points. The two discuss how this affects mortgage rates and how it inspires confidence in the real estate market.

In Season 2, Episode 8, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about Halifax's home vacancy rate, tips for first time homebuyers, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 7, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about the CMHC, changes to mortgage qualifications, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 6, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage payments, refinances, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 5, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about banks, mortgage defaults, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 4, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about COVID-19, mortgage rates, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 3, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage rates, the Bank of Canada, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 2, Episode 2, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage brokers, financial literacy, pre-approvals, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

On the first episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about Debtmas, mortgage refinances, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In episode 10 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about your credit score, second mortgages, mortgage renewals, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In episode 9 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about financial literacy month, self-employment, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Newly awarded by the Canadian Mortgage industry for Best Media/Marketing Campaign across Canada, Clinton Wilkins, and Todd Veinotte chat about industry misconceptions, the importance of seeking advice from an unbiased mortgage professional, and the benefits of going to a full-service brokerage.

In episode 8 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage rate types, debt, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In episode 7 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about HELOCs, rentals vs. homeownership, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In episode 6 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about interest rates and changes to the prime rate.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

On episode 5 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about rentals, mortgage brokers, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In the fourth episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about ratios, refinances, reverse mortgages, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In the third episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about RRSPs, down payments, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In the second episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about construction mortgages, mortgage brokers, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In the first episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage brokers, fees, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

How important is your credit score? Clinton and Todd sit down at the Mortgage 101 table to discuss the significance of credit scores and financial health when buying a home. The two chat about the importance of understanding credit scores and repayment history, and the ongoing need for us to pay our taxes, monitor finances, particularly for self-employed individuals. 

James Dwyer, of Engel & Volkers, joins Clinton Wilkins and Todd Veinotte to discuss the Halifax real estate market and why there may be a notable increase in listings and sale prices compared to last year. James gives an in-depth insight into recent Halifax real estate purchasing habits and suggests that the eventual decrease in interest rates could further strengthen consumer confidence.

What gives Clinton hope for increasing homeownership in Halifax? Todd Veinotte and Clinton Wilkins are back with innovative solutions for overcoming the affordability crisis in the housing market, advocating for creative approaches, and discussing the potential of prefab homes and densification in shaping Halifax's housing landscape.

It's springtime in Halifax - birds are singing, flowers are blooming, and the real estate market is booming! Clinton and Todd talk about navigating this busy time, how to find the right lender for you, and what's going on with property taxes across HRM. The two also chat about fixed versus variable rates in today's rate environment.

Atlantic Canada, and Halifax are all working together to keep up with the demand for the growing housing industry! Clinton and Todd dive into the real estate market trends, mortgage lending trends and the observed changes in Nova Scotia, this episode. The two chat about some great locations for buying, and the importance of having a solid pre-approval before house hunting.  

If you've been thinking of where you are on the checklist of qualifying for your first home, Clinton and Todd get into the specifics this episode! From the mortgage rule changes, for first time homebuyers, to the stress test, and qualification requirements, your Mortgage 101 hosts chat about everything you need to consider when taking out your first mortgage.