The Canadian Mortgage Show
By: Alex Pang & Alex Shanks
Language: en-us
Categories: Business, Investing, Education
Welcome to The Canadian Mortgage Show, where we cut through the noise to bring you straight facts on mortgages and real estate in Canada. Focused on BC with a national perspective, we feature expert guests and real insights. Tune in for no-nonsense advice and answers to your questions!
Episodes
Episode 69: “Uncertainty Is Now Certainty” — 2026 Housing Outlook
Jan 08, 2026Send us a text
Happy New Year — and welcome to Episode 69 of The Canadian Mortgage Show. This is our first episode of 2026, and we brought in Hasan Juma (Realtor, Oakwyn Realty) as a guest host to weigh in on the biggest stories shaping Canadian housing right now.
EP 69
In this episode we cover:
Canada considering changes when the foreign buyer ban expires in 2027 (and whether foreign money would even come back)EP 69The rent affordability crisis — including renters spendi... Duration: 01:00:49
Episode 68: Population Shrinking + Jobs Drying Up… What Happens Next?
Dec 23, 2025Send us a text
Canada’s inflation held at 2.2%—but coffee is up 33% and groceries are still squeezing households. We break down whether this is true inflation or price gouging in a market dominated by a few major players.
On housing: November sales dipped, fixed rates have stayed stubborn, and banks are now shrinking variable-rate discounts—a signal worth paying attention to. We also talk about where different regions sit from peak prices, and why inflation-adjusted home values are trending back toward 2017 levels.
Plus: vacancy rates rising in BC (hello renters’ market), job-market pressure...
Episode 67: Bank of Canada Paused… So Why Are Fixed Rates Back Over 4%?
Dec 16, 2025Send us a text
Bank of Canada held the policy rate at 2.25%—but bond yields jumped and 5-year fixed rates climbed back above 4%. We break down why the latest “strong” jobs data may be seasonal noise (part-time youth jobs + people stopping the job search), what that means for variable vs fixed, and why fear-based mortgage advice is dangerous. Plus: falling rents, rising insolvencies, massive Toronto development charges, foreign capital talk, and a warning for anyone trying to “flip” presales in 2026.
Podcast Social Links:
Website: https://canadianmortgageshow.com/
Instagram: https://www.instagram.com/canadianmor...
Episode 66: Canada’s “Good News” Jobs Report Is a Lie
Dec 09, 2025Send us a text
Canada’s unemployment rate just fell to 6.5% and 54,000 jobs were “added” — but does it actually feel like the economy is improving? In this episode, Alex & Alex break down why they’re calling it Overreaction Friday. They dig into the bond market’s response, what a third of Canadian mortgages renewing in 2026 really means for homeowners, falling condo prices in Vancouver and Toronto, rent trends across Canada, and why more developers are going into creditor protection.
They also cover public sector downsizing, the permanent closure of a major BC pulp mill, Canada’s first free g...
Episode 65: Why Canada’s Housing “Fix” Is Broken
Dec 02, 2025Send us a text
In episode 65, Alex Pang & Alex Shanks break down the “historic” Alberta–Canada energy agreement, what it actually means for jobs, pipelines and BC, and why Canada keeps pushing investment and talent out of the country. They dig into Nutrien choosing a US port over BC, Nokia’s subsidized Ottawa campus, the Stellantis mess, and why we’re not in a housing crisis so much as a long-running income crisis. The guys finish with the latest on land claims in BC and what that could mean for current and future homeowners.
Podcast Social Lin...
Episode 64: Why Canadian Mortgages Almost Never Default (But Everything Else Is Cracking)
Nov 25, 2025Send us a text
Canadian mortgage delinquency is just 0.23%… but credit cards, HELOCs, Canada Post, Bell, and even developers are cracking under the pressure. In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down what’s REALLY going on behind the “stable” mortgage numbers.
We cover:
CMHC data: Housing starts down 17% and why the promise of 500,000 new homes was never realistic.
Delinquencies: Why Canadian mortgage and HELOC delinquencies are tiny compared to the U.S., but credit cards and lines of credit are quietly surging.
Bank...
Episode 63: Banks Holding Rates, Land Claims Growing, Developers Failing – What Now for Homeowners?
Nov 19, 2025Send us a text
Canada just dodged a technical recession—but did the Blue Jays’ World Series run actually help save Ontario’s economy? In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down the latest jobs data, inflation numbers, interest rate forecasts, insolvency news, and even U.S. talk of 50-year mortgages.
They also cover developer failures in B.C., First Nations land claim impacts on financing in Richmond and Ontario, Questrade’s move into banking, Home Trust’s return to “A” lending, and why Canadians are financing everything from phones to...
Episode 62: Federal Budget, Immigration Cuts & Land Claim Shock
Nov 13, 2025Send us a text
In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a packed week of news that directly affects Canadian homeowners, buyers, and investors.
We start with the new federal budget: a $78B deficit, capital spending framed as “generational investments,” and big ticket items like $25B for housing, $30B for defense, and $115B for infrastructure—but almost no direct bailout for housing. What does that mean for interest rates, jobs, and home prices over the next few years?
Episode 61: Variable vs Fixed (Explained) + The Land-Claim Mortgage Crisis
Nov 05, 2025Send us a text
Rates fell 0.25—but fixed didn’t budge. Richmond’s land-title fight spooked lenders. Condo sales tanking in the GTA. CRA pays a $4.99M refund automatically(?!). BC Hydro bans new crypto-mining hookups. We break down what actually affects your mortgage today, how variable vs fixed really works, and the real-world fallout if lenders refuse renewals on contested land.
In this episode:
• Variable vs Fixed: why only one moved after the cut
• Adjustable vs fixed-payment variables (and how your payment changes)
• When to lock your variable into a fixed (signal to watch: bo...
Episode 60: Banks: profits + layoffs signal cost-cutting cycle
Oct 28, 2025Send us a text
Canada’s economy is sending mixed signals—and mortgages, housing, and jobs are caught in the crossfire. Alex & Alex unpack September’s jobs print vs. unemployment, inflation ticking to ~2.4%, and what that means for the next Bank of Canada move. We also hit breaking headlines: the Ontario ad that sparked a Canada-US tariff spat, bank record profits alongside layoffs, Stellantis/GM shifts in auto manufacturing, and why “missing middle” construction is booming in Alberta but stalling in Toronto/Vancouver.
Plus: CRA call-centre accuracy shockers, mortgage-fraud fines in the GTA, Richmond land-claim jitters in B.C., an...
Episode 59: Why Pre-Sales Stalled (and What Could Fix It) | Brendon Ogmundson, BCREA
Oct 21, 2025Send us a text
BCREA Chief Economist Brendon Ogmundson joins Alex Pang and Alex Shanks to unpack the real state of BC housing: the surprising 2025 sales slowdown and rebound pockets, why pre-sales are struggling, and the capital problem behind our 600k-homes target. We dig into foreign-buyer rules (and the “Australia model”), REITs vs. rents, development charges and permitting bottlenecks, mass-timber/missing-middle solutions, and practical policy tweaks—like easing the stress-test buffer and giving buyers flexible amortizations. Brendon also shares a data-driven outlook on rates, prices, and regional divergence heading into 2026. If you work in real estate...
Duration: 00:46:04Episode 58: Canada Housing Check: Prices, Rates, Incentives & Real Case Studies
Oct 13, 2025Send us a text
Canada’s housing story is shifting fast. We open on why thousands of new condos are sitting unsold in the Lower Mainland and what that means for pricing power, then dig into a surprising stat: in Ottawa, monthly ownership costs can now beat renting (yes, really). We also tackle what’s next for mortgage rates, why many landlords are dangling incentives, and how to use a refinance-then-buy strategy to upgrade in today’s buyer’s market—without blowing up your cash flow. Finally, we share real client case studies (wins and watch-outs) and a practica...
Duration: 00:56:27Episode 57: Affordability by Amortization: The 50-Year Mortgage Era?
Oct 07, 2025Send us a text
Canada’s housing chessboard is shifting again. Alex & Alex break down OSFI’s proposed loan-to-income limits and why they could sideline small “mom-and-pop” investors while empowering institutions. They weigh amortization creep (30… 50 years?), collapsing pre-con condo sales, and why prices—not just rates—are driving affordability. Then they connect the dots between immigration policy whiplash (international student clampdowns, asylum spikes) and rents, jobs, and even mobile phone activations as a population proxy. Rants included: white-collar crime (trust account blowups, mortgage Ponzi-style schemes), CRA income-verification reform, and tariffs south of the border. It’s a jam-packed, cand...
Duration: 00:51:28Episode 56: Mortgage Renewal Secrets Your Lender Won’t Tell You
Sep 30, 2025Send us a text
In this episode, Alex Pang and Alex Shanks step away from the headlines to focus on mortgage renewal strategies that every Canadian homeowner should know. With record-low pandemic interest rates now expiring, many borrowers are facing renewal letters with much higher rates—and most simply sign without questioning.
Alex and Alex share practical tips on how to avoid overpaying, from negotiating renewal offers and exploring refinancing options, to re-amortizing for cash-flow relief, leveraging insurable mortgages, and even advanced tax strategies like debt swaps, cash damming, and the Smith Maneuver. They also br...
Episode 55: REIT Redemption Gates, EV Mandate Pause, and Your Mortgage Strategy
Sep 23, 2025Send us a text
Canada just cut rates by 0.25%—but what does that actually mean for your mortgage? Alex & Alex break down variable vs fixed (why your adjustable payment may drop ±$13 per $100k, and why fixed rates follow bond yields—not the overnight rate), plus the real-world timing on locking in as renewal offers in the high-3s start popping up. We also zoom out: GTA unemployment pushing toward 10%, rents easing nationally, August housing starts sliding, REIT redemption gates, and Ottawa’s latest “nation-building” announcements (from LNG to modular builds)… alongside a pause on the 2026 EV sales mandate. Clea...
Duration: 00:52:58Episode 54: Mayor Brad West: What Canada Must Do to Solve Housing & Immigration Challenges
Sep 16, 2025Send us a text
In this special episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks welcome Mayor Brad West of Port Coquitlam. Known for his straight-talking, community-first leadership, Brad shares his journey from being elected at 23 to becoming one of B.C.’s most outspoken mayors.
We dive into the challenges facing municipalities today: the housing crisis, immigration pressures, white-collar crime, and the overreliance on real estate in B.C.’s economy. Mayor West opens up about authenticity in politics, lessons from community service, and why transparency matters more than ever. Plus, he g...
Episode 53: Ponzi Schemes, Tariffs & Housing Woes: A Hard Look at Canada’s Market
Sep 09, 2025Send us a text
In Episode 53 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks dive into the latest developments shaping Canada’s economy and housing market. They break down Canada’s shrinking GDP, the impact of U.S. tariffs on exports, and what’s really behind rumors of a Bank of Canada rate cut. The conversation also covers affordability challenges, the debate over 50-year amortizations, the Toronto condo market slump, Ponzi scheme allegations in real estate development, and the effects of shifting immigration policy. Plus, they discuss Crown Royal’s bottling move, EV battery plant tr...
Duration: 00:50:32Episode 52: Pre-Sale Collapse, Cancelled Listings & Canada’s Housing Gap
Sep 02, 2025Send us a text
Episode 52 marks the one-year anniversary of The Canadian Mortgage Show, hosted by Alex Pang and Alex Shanks. Over the past 12 months, the show has tackled the biggest questions in Canadian housing, finance, and economics—and this episode is no different.
In this anniversary special, Alex and Alex reflect on their journey, the realities of running a podcast, and what lies ahead for Canada’s real estate market. They dive into:
Canada’s housing starts and why the numbers don’t tell the whole story
The growing gap in suppl...
Episode 51: Canada’s Housing Slowdown: Inflation, Jobs, and Real Estate in 2025
Aug 26, 2025Send us a text
In Episode 51 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks break down the latest economic and housing updates shaping Canada’s financial landscape. From cooling inflation data and potential Bank of Canada rate cuts, to falling building permits and job losses across the country, the hosts highlight what these shifts mean for homeowners, investors, and everyday Canadians.
They also dive into big news in the mortgage industry, including Brookfield’s $2.9B acquisition of First National, CIBC overtaking Scotiabank in market cap, and an Ontario brokerage scandal involving $8M in m...
Episode 50: Canada’s Housing Market Hits Record Drop – Have We Seen the Bottom?
Aug 19, 2025Send us a text
In this milestone 50th episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks unpack the latest economic, housing, and policy shifts shaping the Canadian market.
They dive into U.S. inflation data, new tariffs from the U.S. and China, and how these pressures spill into Canadian retail sales and the weakening Loonie. The discussion highlights where Canadians are pulling back on spending, why real estate activity has slowed, and why more investors are looking to U.S. stocks.
The hosts also cover:
Canada’s...
Episode 49: The Truth About Building a Home in BC | Andrew Huang on Permits, Costs & Market Shifts
Aug 12, 2025Send us a text
In this episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks welcome Andrew Huang, Licensed Builder at Fairlands Custom Homes Ltd., for an in-depth look at the realities of building in Greater Vancouver and across BC. With over 20 years in the construction industry, Andrew shares his journey from working in commercial projects to specializing in custom homes, townhouses, and condo developments.
They cover:
The impact of BC’s stringent builder licensing and home warranty requirements.
Why self-build financing has become harder and how banks assess pr...
The Canadian Mortgage Show Trailer
Aug 08, 2025Send us a text
Duration: 00:00:38Episode 48: Bank of Canada Holds Rates — What This Means for Homeowners & Buyers
Aug 05, 2025Send us a text
In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks unpack the latest updates in Canada’s mortgage and housing market. They discuss why the Bank of Canada held rates steady, how looming tariffs could impact inflation, and where interest rates may be headed next.
From analyzing the ideal “healthy” mortgage rate to debating fixed vs. variable strategies, the hosts share practical insights for homeowners, buyers, and investors. They also explore the current buyer’s market in BC, the slowdown in new home sales, and the long‑term outlook fo...
Episode 47: Private Lending Insights with Marc Alteman
Jul 29, 2025Send us a text
Join Alex Pang and Alex Shanks as they welcome special guest Marc Alteman from Altman Financial Inc. to Episode 47 of The Canadian Mortgage Show.
Marc, a private mortgage broker with nearly 15 years of experience, specializes in connecting individuals with direct private mortgage lenders for real estate transactions. This episode demystifies private lending, explaining its role as a "last line of defense" in mortgage financing for those who can't qualify with traditional banks due to factors like low credit scores or urgent financing needs. Marc clarifies common misconceptions, highlighting how the industry h...
Episode 46: Beyond The Ring - Victoria Fung on Tough Markets and Real Estate Moves
Jul 22, 2025Send us a text
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...
Episode 45: MORTGAGE MELTDOWN? Canadian Dollar SHOCK, AI Job Cuts & Govt. Budget BLUNDERS!
Jul 15, 2025Send us a text
In this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s broader economic landscape and its influence on the mortgage market. They tackle the strengthening Canadian dollar, the disruptive impact of AI on the job market and corporate layoffs, and the government's approach to budgeting. They also touch on the current state of real estate transactions and interest rates. Whether you’re in real estate or just curious about the market, this episode’s got clear talk, solid stats, and real insights.
Here’s what you’l...
Duration: 00:50:29Episode 44: Housing Crisis, Fraud & Falling Developers: What’s Really Happening in Canada?
Jul 09, 2025Send us a text
In this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s housing market—think struggling developers, growing mortgage fraud, affordability headaches, and government slip-ups. They also chat about job openings, youth unemployment, and which provinces are seeing home prices climb. Whether you’re in real estate or just curious about the market, this episode’s got clear talk, solid stats, and real insights.
Here’s what you’ll get from this episode:
Why developers like Rhys Heritage Properties are...
Episode 43: How to Beat the Bank at Their Own Game and Pay Off Your Mortgage Faster
Jul 01, 2025Send us a text
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 productsWho Should Consider This Strategy? Ideal profiles for maximizing this mortgage setupHow the Interest Really Works: Breaking down the mechan... Duration: 00:27:35Episode 42: Canada’s Condo Market Is Crashing—Is Your Pre-Sale Next?
Jun 26, 2025Send us a text
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 banksCancelled Projects Skyrocket: Pre-constr... Duration: 00:55:50Episode 41: Mortgage Stress Test Could Be Scrapped—Game-Changer or Disaster?
Jun 17, 2025Send us a text
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 growthThe professional tenant crisis in Ontario & BC and how platforms like OpenRoom.ca can protect landlordsWhat happened to CRA’s promised income verification tool? Has it quietly disappeared?OSFI may scrap the mortgage stress test—what incom... Duration: 00:46:25Episode 40: How Foreign Students Are Quietly Replacing Canadian Workers
Jun 10, 2025Send us a text
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 JulyThe fixed-rate hike: what’s driving lenders to increase mortgage rates again17% of first-time homebuyers missed a mortgage payment—what that says about affordability1.4 million Canadi... Duration: 00:41:43Episode 39: Here's Why Canada’s Housing Crisis Could Take 25 YEARS to Fix
Jun 03, 2025Send us a text
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 $1.5MCarney’s 1% income tax cut for the lowest bracket, saving families up to $840 starting in 2026Ris... Duration: 00:48:20Episode 38: Mortgage Interest Sucks—Here’s How to Make It Tax Deductible (Yes, Really)
May 27, 2025Send us a text
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 debtWho can use it? Rental property owners, freelancers, and sole proprietors—find out if you qualifyHow it works:<... Duration: 00:42:11Episode 37: Carney’s Cabinet Shocker: No Budget, No Plan?
May 20, 2025Send us a text
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:
Episode 36: The Hidden Housing Time Bomb No One’s Talking About
May 13, 2025Send us a text
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 rentersCarney plans to cap temp workers and i... Duration: 00:49:52Episode 35: Inside Canada’s Housing Collapse—and the 2040 Dystopia No One’s Ready For
May 08, 2025Send us a text
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 safetyHow the Liberals pulled off a minority win—and why anothe... Duration: 00:49:02Episode 34: Wealth Mistakes Most Canadians Are Still Making in 2025 with Matt Beckett
May 05, 2025Send us a text
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 estateThe emotional traps that derail DIY investorsHow to prep your kids (or grandkids) to buy a home without wrecking your retirementWhat government policies and election outcomes might mean for y... Duration: 00:50:37Episode 33: Poilievre’s Big Housing Gamble—Genius or Pipe Dream?
Apr 22, 2025Send us a text
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 lea...
Episode 32: The Truth About Canadian Politics No One Tells You — with Trenton Poy
Apr 15, 2025Send us a text
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 tooHow federal leaders’ housing promises stack up against historical realitiesWhether removing GST for home... Duration: 00:51:48Episode 31: Foreign Buyers Back? Carney’s CMHC Plan & Canada’s Housing Future
Apr 08, 2025Send us a text
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 marketVancouver’s “Condo King” Bob Rennie’s bold proposal with Mark Carney to attract foreign investment for rental propertiesMark Carney’s controversial $35B plan to build 500K homes per yearPierre Poilievre’s tax... Duration: 00:43:41Episode 30: The $500M Mortgage Fraud Nobody Went to Jail For
Apr 01, 2025Send us a text
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 economyWhy Carney skipped the French... Duration: 00:47:58Episode 29: Canada on the Brink: Tariffs, Rate Cuts & Mortgage Mayhem
Mar 25, 2025Send us a text
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 movesMark Carney becoming the unelected Prime MinisterBMO, TD, RBC... Duration: 00:39:07Episode 28: Uncover The Hidden Goldmine in Commercial Real Estate with Tuan Luong
Mar 18, 2025Send us a text
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 st...
Duration: 00:28:34Episode 27: Doug Ford Strikes Back! Ontario’s Bold Response to US Tariffs
Mar 11, 2025Send us a text
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.
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Alex Pang Alex Shanks Duration: 00:38:45Episode 26: Canada’s Economy on the Brink – Is a Recession Unavoidable?
Mar 04, 2025Send us a text
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.
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Alex Pang Alex Shanks Duration: 00:39:50Episode 25: Fixed Mortgage Rates Are Climbing – Should You Lock In Now?
Feb 25, 2025Send us a text
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.
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Episode 24: MPs Give Themselves a Raise While Canadians Pay More Taxes!
Feb 18, 2025Send us a text
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.
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Alex Pang Alex Shanks Duration: 00:51:00Episode 23: Trade War Heats Up! Trump’s 25% Tariff Shocks Canada & Mexico!
Feb 11, 2025Send us a text
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.
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Alex Pang Alex Shanks Duration: 00:46:52Episode 22: Bank of Canada Cuts Rates Again—Is Your Mortgage Getting Cheaper?
Feb 04, 2025Send us a text
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.
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Alex Pang Alex ShanksEpisode 21: Trump’s 25% Tariff Could Wreck Canada’s Economy – Are We Ready?
Jan 28, 2025Send us a text
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...
Episode 20: Property Taxes Soar in Toronto – Will Your City Be Next?
Jan 23, 2025Send us a text
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.
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Episode 19: Trump’s Plan for Canada as the 51st State – Would You Take the Deal?
Jan 14, 2025Send us a text
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 - ...
Episode 18: Trudeau Resigns: What’s Next for Canada’s Economy and Housing Market?
Jan 09, 2025Send us a text
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 Im...
Episode 17: Trudeau vs. Freeland: GST Holiday Sparks Political Power Struggle!
Dec 19, 2024Send us a text
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.
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Duration: 00:47:18Episode 16: Why GTA Home Starts Could Hit Zero by 2030!
Dec 12, 2024Send us a text
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.
Fol...
Episode 15: Best Ways to Secure Your Financial Future with Gavin Webb
Dec 05, 2024Send us a text
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.
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Alex Pang Alex Shanks Duration: 00:41:32Episode 14: Trump’s Trade Tariffs: The Hidden Threat to Canadian Mortgages
Nov 28, 2024Send us a text
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 UpdateInterest Rate OutlookImmigration, GST Holidays, and Government MovesFrom 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... Duration: 00:42:52Episode 13: Avoid These Real Estate Pitfalls with Dylan Taylor
Nov 22, 2024Send us a text
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.
Topics Covered
The Power of Social Media in Real Estate LawLawyer vs. Notary for Real Estate TransactionsUnforgettable Moments in Real Estate<... Duration: 00:45:49Episode 12: Your First Home: How to Start, Who to Call, and What to Avoid!
Nov 14, 2024Send us a text
How to Get Into Your First Home
What’s the first step in the homebuying journey?Should you talk to a realtor or a broker/bank first?Understanding the Mortgage Process
A high-level overview of what getting a mortgage looks like from start to finish.Does a credit check affect you?Breaking down how credit inquiries work during the mortgage application process.Income Types and Mortgage Approval
How do different types of income (e.g., salaried, se... Duration: 00:44:59Episode 11: CRA Duped for $40M – How Did a Scammer Beat the System?
Nov 07, 2024Send us a text
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 se... Duration: 00:30:29Episode 10: Tax Court’s Airbnb Bombshell: Selling Your Home Could Get Way More Expensive!
Oct 31, 2024Send us a text
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:
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... Duration: 00:38:38Episode 09: Big Banks Predict a Major Rate Cut – How It Could Affect Your Mortgage!
Oct 24, 2024Send us a text
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.
Topics Covered:
Episode 08: Government Approves 90% LTV Refinances – What This Means for Homeowners
Oct 17, 2024Send us a text
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 2025Government Plans to Tax Vacant LandBond Yields and Rate PredictionsGeopolitical Unrest and Its Impact on CanadaTune in for an in-depth discussion of these critical issues affecting homeowners, investors, and the Canadian housing market.
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Duration: 00:42:28Episode 07: Major Shake-Up for Homebuyers: What These New Rules Mean for You!
Oct 10, 2024Send us a text
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...
Episode 06: Canada's Housing Interest Rates Set to Plummet—Is It Time to Buy or Sell?
Oct 03, 2024Send us a text
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:
Episode 05: Exposing Canada's Housing Crisis with Hasan Juma
Sep 26, 2024Send us a text
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<... Duration: 00:40:44Episode 04: Canada’s New Mortgage Rules - What You Need to Know Now!
Sep 24, 2024Send us a text
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.
Episode 03: Is Canada Facing a Perfect Storm of Rising Unemployment and a Housing Meltdown?
Sep 19, 2024Send us a text
In this episode, we dive into the big issues facing Canada’s economy and housing market: from temporary foreign workers (TFWs) and rising unemployment rates to the sharp decline in new condo developments. We explore the long-term impact on Canada’s workforce and housing, and how government policies are shaping the future of employment and real estate.
Topics Covered:
Canada Cutting Back on Temporary Foreign Workers (TFWs):Canada is reducing the number of low-wage TFWs to address high unemployment rates among immigrants and young people.Sectors with... Duration: 00:27:03Episode 02: Is Rent Control Hurting Housing In BC and Ontario?
Sep 12, 2024Send us a text
In this episode, we dive into the effects of rent control on the housing market in BC and Ontario. With BC capping rent increases at 3% for 2025 and recent rulings allowing a 23.5% hike, we explore whether rent control is solving or worsening the housing crisis. We also look at Argentina’s bold decision to remove rent control and the surprising results.
What We Covered:
BC Rent Cap of 3% in 2025:What does this mean for landlords and tenants moving forward?Recent 23.5% Rent Increase Ruling:
We... Duration: 00:25:54
Episode 01: Understanding Inflation, Rate Cuts, and Mortgage Strategy in 2024
Sep 05, 2024Send us a text
Episode Description:
Welcome to the very first episode of The Canadian Mortgage Show! In this episode, we dive into the current state of the Canadian economy and how it impacts your mortgage decisions. We discuss the latest news on inflation, the recent rate cuts by the Bank of Canada, and what’s forecasted for the remainder of the year. Plus, we explore refinancing opportunities for those with higher interest mortgages.
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