Broker Life Podcast

In this week’s episode, Stephanie from Servus Credit Union shares all the wonderful things about this lender.  We discuss, her different roles within Servus over the past 17 years, comparing SCU to major banks, profit sharing and some of the niches Servus’ has to offer.  Plus, some tips for home buyers and of course the speed round.  #mortgagebroker #mortgageconnection #lenders #servuscreditunion #podcast #brokerlifepodcast  

0:20     Intro

5:25     Where does Servus service its clients?

7:38     Credit Unions vs Banks

10:00   Penalties & Pre-payment privileges

11:50   Working with a mortgage broker vs a branch at Servus

13:00   Servus niches: HELOC’s, acreages, new construction, rural properties, profit sharing, local underwriting, mobile homes

15:07   Rural properties & acreages

16:05   New Construction

19:00   Rental properties

19:30   Purchase & refinance plus improvements

20:10   Rates & Trends

21:50   Rate projections

22:35   Biggest challenges in the mortgage industry

24:01   One tip for home buyers

25:00   Credit tips, min requirements

27:00   Speed round

29:54   Where to find Servus

In this week’s episode, Dave is back to give us an update on the summer housing market in Edmonton, AB.  We discuss, sales, home prices, demographics, immigration, and the types of homes selling, and we get into some forecasts for next year. #mortgagebroker #mortgageconnection #brokerlifepodcast #podcast #realestate #yeg #realtor

00:26               Intro

02:30               Summer Housing Market in Edmonton, AB

06:00               Home Prices and Price Action

07:17               How the demographics and immigration is impacting the market

08:25               Which homes are selling  

09:50               Condos Units and Trends

12:35               Is it a good time to buy?

15:00               Second half of 2023 and into 2024

17:00               New Construction business

18:09               Client Appreciation Party

20:22               Speed Round

23:50               Where to find the Dave Ozubko real estate team

In this week’s episode, we chat with the founders of Mortgage Connection.  We discuss how Mortgage Connection came to be, the three pillars of MOCO, the people, and their vision, and we get into the Alberta housing market and economy, tech and of course the speed round.  #mortgageconnection #mortgagebroker #brokerlifepodcast #podcast

0:20                 Intro

1:12                 How Mortgage Connection become

3:47                 Mortgage Connection and Dominion Lending Centers

9:16                 Culture, Collaboration and Community – the three pillars of MOCO

15:55               Mortgage Connections growth

20:45               What is the vision for Mortgage Connection 25:00               Assessing the Calgary and Edmonton real estate markets

36:00               Interest Rates and How to manage this environment

43:15               One tip for someone looking to buy a home right now

44:35               One tip for someone looking to renew their mortgage in the next 2 years

47:05               One tip for someone looking to find a good mortgage broker

47:35               Mortgage Tech, Covid and Innovation 55:30               Speed Round

In this episode, we discuss who EQ Bank is, what Ed’s role as a Regional Business Manager entails, the competitive advantage EQ Bank has over the big 6 banks in Canada, products, policies, challenges in the mortgage industry, tech and of course the speed round. #mortgageconnection #mortgagebroker #mortgage #lenders #eqbank #podcast #brokerlifepodcast

0:00                 Intro               

0:30                 Who is EQB?  

2:17                 No branches   

2:55                 What does Ed do at EQB?

6:00                 What is EQB’s competitive advantage?

7:52                 Alternative lending and self-employed qualifying

9:45                 Pre-payment penalties

12:15               Alternative lending strategy self-employed borrowers

16:20               Pre-payment privileges

16:40               Products available at EQB in addition to mortgages

18:30               Reverse mortgages

19:35               Commercial lending

21:00               Biggest challenge in the mortgage industry

26:13               Tip for new home buyers

28:00               Affordability concerns

30:17               Trends in the mortgage industry and Tech

39:08               Rate predictions

44:00               Speed Round

50:00               Where to learn more about EQB

In this week’s podcast, we discuss Investing, the economy, AI, inflation, BITCOIN and tips plus the speed round. #mortgagebroker #mortgageconnection #brokerlifepodcast #podcast #investing #canada

0:45     Intro

1:55     What does Ashish do at IG Wealth Management

5:40     Ashish’s Investment Philosophy

8:25     Set it and forget it portfolio

11:20   Why are savings not more valued in Canada and Western worlds

14:50   Inflation in Canada

27:38   Housing in Canada

32:20   Current economic cycle

33:25   7 metrics to consider when talking about recession and economy

41:14   AI and Finance

45:40   IG vs the competition

48:20   Crypto and Wealth Planning

55:32   Tips for new investors

100:00 Speed Round

104:15 Where to connect with Ashish and IG

In this week’s podcast, we discuss Investing, building a financial plan, the psychology of investing, investment fees, AI, what happened during covid, inflation, bonds, BITCOIN and Tom’s market expectations and tips plus the speed round.  #mortgagebroker #mortgageconnection #brokerlifepodcast #podcast #investing #canada

0:50     Intro

3:00     What does a Financial Planner do?

6:15     The importance of diversification and asset allocation

8:55     Time Horizon & Risk Tolerances

10:10   Tom’s Investment Philosophy

12:13   Building a Financial Plan

16:10   Tax & Estate Planning

18:00   Analyzing & Selecting Investments

20:45   The Psychology of Investing

22:08   How to manage risk

26:20   Alternative Investments in Real Estate

27:55   Investment Fees

32:20   Self-Directed Brokerage Accounts Vs Active Money Managers

35:40   The Danger of Index Investing

38:10   AI and Investing

43:48   Inflation & What Happened During COVID

46:50   Bonds & Bond Yields Explained

50:26   The Relationship between Bonds & Equities

51:50   How does the Bank of Canada’s interest rate changes impact Investing

54:27   Why Canadians can’t get ahead on the 180% debt to income ratio

102:17 BITCOIN & Crypto

105:38 Tom’s Market Expectations

109:47 Tips for Canadians looking to build wealth

110:16 Speed Round

114:04 Where you can find Tom

We get an update from our friend Chris at Coventry homes on the current market in Edmonton, all the market stats, mortgages, working with lenders, draw vs completion mortgages, popular models and promotions, tips for home buyers and more.  #brokerlifepodcast #mortgagebroker #homebuilder #mortgageconnection #podcast #mortgage #yeg

1:10     Intro

1:55     Market Update

7:00     Housing Starts and new construction volume

8:17     Pre-Sale vs Spec Home

11:40   Lumber Prices and Home Prices

16:30   The Economics of new home construction

19:00   Quality vs Quantity when home building

20:30   Consumer Confidence index

22:40   Is there a season with new home building

25:35   Draw mortgage vs completion mortgage

29:10   Which banks do home buyers prefer when picking a mortgage?

31:55   Which lenders does Chris/builders prefer working with?

35:35   What’s your max budget?  Letting builders know how much you’re qualified for.

37:45   Not all lenders/brokers are created equal.

39:40   Most popular models and price points with Coventry

42:45   Current promotions – free basement renovation

44:30   Are “free” upgrades actually free?

47:30   Is it a good time to buy a home?

50:53   One tip for home buyers

53:50   Speed Round

57:20   Where to find Chris

We discuss the Edmonton real estate market, migration and immigration into AB, demographics, new construction, interest rates, unemployment, trends in real estate plus tips and of course the speed round.

1:03     Intro

3:00     How has Alan stayed so successful

4:33     Life in Edmonton as a Realtor

7:16     The Edmonton real estate market

11:34   Immigration and Migration into Alberta

14:20   Demographics in Edmonton

16:05   Government Policy and housing

17:51   OSFI and mortgage policy

19:25   Interest Rates and how that’s impacting home buyers

22:25   Unemployment in Alberta

23:24   Trends in Edmonton regarding housing

25:34   New construction homes

28:50 One-minute sales pitch to live in Edmonton

29:38   Tips for home buyers and Sellers

31:15   How can mortgage brokers help realtors

33:46   Speed Round

37:10   Where to find Alan

We discuss the role of lawyers in real estate transactions, the difference between solicitors and notaries, the legal process, contracts, leaseholds, spousal buyouts, and tips for home buyers.

We discuss Scotiabank's mortgage lending options directly from a Scotiabank underwriter. Get her point of view on how Scotia competes with other lenders, the projected income policy, the high net worth policy, rental income and some common trends she's seeing right now. Also, the banking collapse in the US, mortgage tips and projections for rates and the economy.

We discuss how the auto loan business is helping mortgage brokers. How KDK Financial is doing over 100 applications per month helping Canadians restructure their monthly auto loan payments and how that helps them qualify for mortgages. They also offer cashback and can pay off debts. #mortgagebroker #mortgageconnection #podcast #brokerlifepodcast #mortgages #autoloans

We discuss the Edmonton real estate market, trends, tips for home buyers, technology, and more.

We discuss all things MCAP, the Canadian mortgage lender and how it's grown to be the 6th biggest lender in Canada and the 1st biggest non-bank lender. What makes MCAP unique, payout penalties, technology, inflation, rates, the government's role in mortgages and real estate and of course the speed round to end the interview.

We discuss all things real estate in beautiful British Columbia, especially in Cassandra's hometown, Victoria, BC.

We discuss Strive Capital, a mortgage financing company located in Canada. We also touch on the mortgage industry, Tiffany's journey in the broker space, banking, technology, products and tips for Canadians looking to enter the housing space.

We discuss all things insurance including life, whole life, disability, critical illness and specialty insurance for corporations. We also get into the differences between independent insurance like BMI versus bank insurance and why everyone could use insurance regardless of age. Plus hear Danny's personal story, his journey and where to find him.

We discuss the Edmonton real estate market, tips for home buyers, the best time to buy, how to value a home, Dave's journey and more.