Paul, Frank and Steve begin the show by conversing about Ottawa’s median income and home affordability (1:03), average sales price in Ottawa (5:10), where rates and real estate is headed end of 2023 (7:01), and tips for selling in the fall/winter (10:33). After the break, the guys talk about today’s rates (13:57), and people renewing in the next few years as well as rising costs impacting homeowners (16:48). Then, the gang discuss refinancing a home during a divorce (21:36), people not being able to afford their renewal (27:23), and what a buyer’s market vs. a seller’s market looks like (30:17). To end the show, the guys converse about contacting a real estate agent if you’re looking to sell in the fall/winter (34:37) and treating photos like your first showing (37:38).

Paul, Frank and Steve begin the show by discussing the economy and interest rates (0:00), January real estate numbers (6:00), and down payments becoming more affordable (10:41). After the break, a listener phones-in to ask about banks lending money on land (14:32) and another listener calls-in to ask about title insurance (18:24). Then, the guys converse about why you need to REALLY buy a house right now (22:30), increases in pre-approvals as well as why buyers aren’t qualifying (29:57). To end the show, the guys talk about 5-year fixed mortgages and other rates (35:02), commercial mortgages (38:12), and whether people should sell right now (40:03).

Dora from Paul Rushforth Real Estate joins Frank and Steve, and they start the show by discussing when the spring market will start in 2023 (1:05), fixed vs. variable rates (2:20), and how rates are impacting buyers and first-time home buyers (8:28). After the break, an expert calls-in to talk about mortgage fraud and what buyers can do to protect themselves (11:40). Then, the gang converse about title insurance and open banking (23:10) as well as when to list your home in Ottawa (30:08). To end the show, the gang talk about the importance of guarantors (36:12) and the struggles with buying from new builders (41:13).

Paul, Frank and Steve start the show by conversing about what’s affecting a rise in interest rates (1:11), optimism in the real estate market (5:10), and how new builds are affecting the market (7:32). After the break, the guys talk about what cities have the most homes with no mortgage (10:29), the rental market in Ottawa (12:20), the bond market, where interest rates are going and how it affects the market (14:35). Them, the guys discuss where we’ll see the market head in the spring (20:48), the importance of shopping for rates (23:59), the qualifying rate hurting first-time homebuyers and people looking to refinance (25:35), and townhome prices past vs. future as well as what buyers can do to guarantee a sale (28:13). To end the show, the gang converses about qualifying for fixed vs. variable rate (32:24) and the next Bank of Canada announcements (38:34).

Frank and Steve are joined by Dora from Paul Rushforth Real Estate, and they begin the show by conversing about the potential spring market (0:39), how people are dealing with the rising rates (2:03), and a listener phones-in to ask about the attributes of a good mortgage broker (7:12). After the break, the gang discuss first-time homebuyers (13:17), and another listener phone-in to ask about land value in Kemptville and land financing (15:43). Then, another listener calls-in to ask about having a mortgage vs. carrying a line of credit (22:19) and the gang talk about why real estate can be about timing (28:10) and why buyers and sellers need to meet in the middle in this new market (31:40). To end the show, our final listener phones-in to ask about construction rules with duplexes and if there’s any financing regarding those needs (35:25) and the gang converse about whether investment properties are becoming more attractive (40:14).

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).

Paul, Frank and Steve begin the show by conversing about new Canadian job numbers, recession and interest rates in 2023 (1:17), real estate predictions in 2023 (4:54), and whether people should be listing their homes in January (9:00). After the break, the guys talk about whether people are still looking for mortgages (10:27), and short term vs. long term mortgages (15:35). Then, the gang discuss variable vs. fixed mortgages (21:29), the anti-flipping tax and other government real estate regulations (26:37). To end the show, the guys converse about the 2023 spring market (33:55), seller expectations (37:09) and a listener phones in to ask about real estate scams (38:13).

Paul and Steve are joined by Barb from Mortgage Brokers Ottawa, and they begin the show by discussing how the pandemic affected real estate (2:55) and where first-time homebuyers are buying (9:12). After the break, the gang converse about extending ratios for mortgages (10:34), the importance of mortgage brokers (13:31), and qualifying for a mortgage as well as buying a home now (18:13). Then, the gang talk about Toronto and Vancouver real estate vs. Ottawa (20:47), what people need to improve a home to sell (25:57), and selling a house within 12 months requiring capital gains (27:36). To end the show, the gang discuss the 1% vacant home tax (31:20), flipping homes (34:01), the smallest and average mortgages available (35:54) and December real estate(39:13).

Paul, Frank and Steve start the show by conversing about why it’s a good time to get into the market (2:36), interest rates as well as how the recession is impacting it (4:20), incentives for first-time homebuyers (7:22), buyer optimism (9:13), and why people should list their homes right away (11:29). After the break, a listener phones in to ask about listing a rental townhome in Ottawa (13:22), the guys discuss selling a home with a tenant in it (17:34), and what a trigger rate is (19:00). Then, a listener phones in to call about keeping investment properties (23:19), another listener phones in to ask renting increasing restrictions (28:15), and the gang converse about past interest rates and buying habits (31:39). To end the show, the guys talk about reaching out to lenders for relief (35:18), and variable vs. fixed mortgages (37:36).

Steve is joined by Dora from Paul Rushforth Real Estate and Barb from Mortgage Brokers Ottawa, and they begin the show by talking about the current Ottawa real estate market (1:19), where interest rates are heading in 2023 (4:08), whether people are re-amortizing and how it’s affecting people’s budgeting habits (7:48). After the break, Barb shares her “Did You Know” tip of the week (11:46), the gang converse about the best time to list your home in 2023 (14:55), as well as listing during the Holidays and what sellers are looking for in a home (16:28). Then, a listener phones in to ask about blend and extend mortgages (22:15), the gang also discuss how rental prices affect people saving money for a home (27:04), the difficulty of buying a home while holding onto a rental (29:04), and another listener phones in to ask about being a builder owner vs. owner occupier (31:11). To end the show, the gang talk about whether we’re seeing first time homebuyers enter the market (34:00), and how much should people be saving to buy a home (38:36).