The episode opens with a welcome and introduction, followed by a sponsor message from Real Approved Inc. The discussion delves into Ontario's mortgage crisis, highlighting rising delinquency rates and the potential impact of higher mortgage rates on homeowners. Trends towards rental properties and challenges facing Toronto's condo market are explored. The conversation shifts to mergers in the mortgage industry and recent home affordability news. Proposed changes to capital rules by OSFI for financial institutions are examined, alongside a scandal at the Real Estate Council of Ontario. The episode concludes with closing remarks and a sponsor mention.

(0:00) Welcome and introduction

(0:23) Sponsor: Real Approved Inc.

(0:43) Ontario's mortgage crisis and rising delinquency rates

(3:26) Potential higher mortgage rates and homeowner impact

(6:27) Trends towards rental properties and Toronto's condo challenges

(12:52) Mergers in the mortgage industry and home affordability news

(18:26) OSFI's proposed capital rules changes for financial institutions

(21:08) Scandal at the Real Estate Council of Ontario (RECO)

(23:59) Closing remarks and Sponsor: Real Approved Inc.