Paul, Frank and Steve start the show by talking about how the LRT has affected home prices (1:13), tips for selling your home during winter (2:46), real estate forecast for 2023 (3:41), OSFI mortgage rules and the dying dream of buying a home (5:04), and why now is the time buy a home in Ottawa (10:59). After the break, the guys converse about mortgage fraud (12:51). Then, a listener phones-in to ask about collateral mortgages (23:01) and the gang discuss parents helping with down payments (32:08). To end the show by talking about whether early renewal is a good idea (34:33), timing in real estate (36:40) and future mortgage rate predictions (38:55).