Todd Veinotte and Clinton Wilkins discuss the role of a mortgage broker, emphasizing their ability to offer tailored mortgage advice and access to multiple lenders. Clinton highlights his extensive experience, having managed $2 billion in mortgages, and notes the shift from branch-based mortgages to broker-assisted ones, especially for first-time homebuyers. The two also talk about the importance of a good credit score, with Clinton reviewing the best advice to achieve one. 

Todd Veinotte and Clinton Wilkins discuss the benefits of home equity lines of credit (HELOCs) for renovations and investments. Clinton explains the role of CMHC insurance for those with less than 20% down payment, and the associated premiums. Clinton also discusses the advantages of energy-efficient upgrades, such as heat pumps and mini-splits, and the potential to refinance up to 80% of a home's value. 

Todd Veinotte and Clinton Wilkins discuss the upcoming spring real estate market, noting it as the busiest time of year due to improved weather and increased buyer activity. They also discuss the impact of lower interest rates on mortgage renewals, with buyers focusing more on monthly payments than rates. The two also talk about the popularity of home equity lines of credit (HELOCs) for home upgrades.

Todd Veinotte and Clinton Wilkins discuss the potential economic impact of tariffs on the Canadian housing market, noting the uncertainty caused by political volatility in the U.S. They also discuss the upcoming Canadian federal leadership race, comparing the economic strategies proposed by Liberal frontrunner Mark Carney with those of Conservative Leader Pierre Poilievre. The conversation touches on the shift towards buying local products and the broader implications of political decisions on the economy and culture.

Clinton and Todd are joined again by special guest Leigh Davis, family lawyer from MDW Law. 

This time, they're digging into the Matrimonial Property Act, it's provisions, and what kinds of relationship arrangements are covered under this legislation. 

Clinton and Todd are joined by Leigh Davis, family lawyer with MDW Law. 

The three talk about what it means to practice financial literacy in a matrimonial setting, emphasizing the importance of having tough conversations before the wedding bells ring, and what services are available should matrimonial breakdown occurs. 

The news lately has been challenging to a lot of Canadians. With the threat of tariffs looming over the economy, what can borrowers expect as far as mortgage rates go? 

In this episode, Clinton and Todd cut through the headlines and clickbait to give borrowers the advice they need to keep themselves and their assets safe over the next four years. 

It's February, which means it's time to talk about loving your home! 

Clinton and Todd discuss the many aspects that go into loving your home, emphasizing that renovations should be enjoyed by the current owners, discouraging homeowners from renovating right before a sale. 

To wrap up their Merry Debtmas conversation, Todd and Clinton invite Tina Powell from MNP Limited to discuss the next steps borrowers need to take after filing for bankruptcy or a consumer proposal.

The three explore the challenges and strategies for reestablishing credit and staying clear of additional trouble. They emphasize the importance of paying out discharges on time and the consequences of missing payments, including annulment of proposals. They also discuss the impact of bankruptcy on co-signers and the importance of not co-signing.

Todd and Clinton continue chatting on the subject of Merry Debtmas, inviting a friend of the show to share some information that may be helpful to borrowers facing challenging financial situations. 

Tina Powell, a licensed insolvency trustee from MNP Limited, discusses personal insolvency options such as bankruptcy and consumer proposals. She emphasizes the importance of confidentiality and empathy in her role, highlighting that financial stress impacts all areas of life. 
Tina explains the differences between bankruptcy and consumer proposals, their allowances and demands, and reasons why a borrower may want to chose one over the other.