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S13E8 | Why Waiting for Lower Rates Might Cost You More | REAL Collective Podcast
This week on the REAL Collective Podcast, Sean and Kyle discuss why waiting for lower rates might cost you more and why it's crucial to take a holistic view when buying or selling a home.
They break down why interest rates aren’t the only factor to consider, emphasizing the importance of a comprehensive financial strategy. Instead of chasing minimal savings in the "race to the bottom," focusing on paying off debt and entering the market sooner can often lead to greater benefits.
In the second half, they explore Ottawa’s upcoming zoning changes, set to take effect in late 2025, and discuss how these adjustments aim to increase housing density and impact the local real estate landscape.
Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective!
To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/
Book a chat with Sean or Kyle today!
Sean: https://calendly.com/seanrealcollective
Kyle: https://calendly.com/kmmortgage/phone-connect
You can also follow us here:
Instagram: https://www.instagram.com/real.collective.inc
Facebook: https://www.facebook.com/realcollective.ca
TikTok: https://www.tiktok.com/@realcollective
LinkedIn: https://www.linkedin.com/company/real-collective-inc
Website: https://www.realcollective.ca
Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa
Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages
#realcollective #podcast #realestate #realestateteam #ottawa
Intro (0:00)
Lower interest rates aren’t the only factor (1:55)
Two things that drive a successful mortgage application (4:38)
The key is paying down debt (5:37)
We get stuck into this race to the bottom (6:11)
Spend a little bit more to get exactly what you want (6:49)
Looking at the entire picture (7:42)
Strategic approach to paying off debt (9:15)
Taking the holistic approach (10:08)
It’s not about the rates, it’s about whether you need to buy or sell (11:25)
Value for time and sanity (13:35)
Reclaim your brain with Magic Mind (14:50)
More info on the zoning changes coming down the pipe (18:30)
A real-life scenario (22:36)
Our cities are going to change (25:12)
Infrastructure development is happening (28:00)
Outro (29:55)
View all episodes
By Sean TasseThis week on the REAL Collective Podcast, Sean and Kyle discuss why waiting for lower rates might cost you more and why it's crucial to take a holistic view when buying or selling a home.
They break down why interest rates aren’t the only factor to consider, emphasizing the importance of a comprehensive financial strategy. Instead of chasing minimal savings in the "race to the bottom," focusing on paying off debt and entering the market sooner can often lead to greater benefits.
In the second half, they explore Ottawa’s upcoming zoning changes, set to take effect in late 2025, and discuss how these adjustments aim to increase housing density and impact the local real estate landscape.
Don't miss out on another extremely valuable episode of the REAL Collective Podcast. Keep it REAL Collective!
To access our Complimentary Resources (SOLD Price Search, Seller Guide, Buyer Guide & Home Evaluation) visit: https://realcollective.ca/exclusive-resources/
Book a chat with Sean or Kyle today!
Sean: https://calendly.com/seanrealcollective
Kyle: https://calendly.com/kmmortgage/phone-connect
You can also follow us here:
Instagram: https://www.instagram.com/real.collective.inc
Facebook: https://www.facebook.com/realcollective.ca
TikTok: https://www.tiktok.com/@realcollective
LinkedIn: https://www.linkedin.com/company/real-collective-inc
Website: https://www.realcollective.ca
Kyle Miller on Instagram: https://www.instagram.com/kylemillerottawa
Kyle Miller on Facebook: https://www.facebook.com/Kylemillermortgages
#realcollective #podcast #realestate #realestateteam #ottawa
Intro (0:00)
Lower interest rates aren’t the only factor (1:55)
Two things that drive a successful mortgage application (4:38)
The key is paying down debt (5:37)
We get stuck into this race to the bottom (6:11)
Spend a little bit more to get exactly what you want (6:49)
Looking at the entire picture (7:42)
Strategic approach to paying off debt (9:15)
Taking the holistic approach (10:08)
It’s not about the rates, it’s about whether you need to buy or sell (11:25)
Value for time and sanity (13:35)
Reclaim your brain with Magic Mind (14:50)
More info on the zoning changes coming down the pipe (18:30)
A real-life scenario (22:36)
Our cities are going to change (25:12)
Infrastructure development is happening (28:00)
Outro (29:55)