Supply and Demand with Adam Nadler

Jesse Merson has spent about 20 years in mortgages, most of it inside two of Canada's big banks, and the last two as an independent mortgage agent. I went into this one expecting to hear the system was about to crack. I came out calmer than I went in.

Jesse Merson - Mortgage Agent, Vine Group Mortgage Brokerage | vinegroup.ca

Listen on Spotify and Apple Podcasts - search "Supply and Demand with Adam Nadler"

Book a call with Adam: https://calendly.com/pictureyourdreamhome

Visit: https://visionrealestate.ca/

Email: [email protected] | Cell: 647-328-8958

Adam Nadler is a licensed Realtor with RE/MAX Your Community Realty, serving Toronto and York Region. The opinions expressed are solely those of the speakers and should not be misconstrued as financial advice or the basis of an agency relationship. Please consult your professional advisor before taking action. Not intended to induce breach of an existing agency agreement.

#CanadianRealEstate #MortgageRenewal #FixedVsVariable

Scott Gannon has spent 30 years working with business owners in Halifax on one problem: keeping the money they have already made. His view is that most people are losing ground without knowing it, because a "safe" 5 percent return, taxed at close to half and measured against real inflation, is actually going backwards.

Guest: Scott Gannon - Magnify Wealth, Halifax | www.magnifywealth.ca

Listen on Spotify and Apple Podcasts - search "Supply and Demand with Adam Nadler"

Book a call with Adam: https://calendly.com/pictureyourdreamhome

Visit: https://visionrealestate.ca/

Email: [email protected]

Cell: 647-328-8958

Adam Nadler is a licensed Realtor with RE/MAX Your Community Realty, serving Toronto and York Region. The opinions expressed are solely those of the speakers and should not be misconstrued as financial advice or the basis of an agency relationship. Please consult your professional advisor before taking action. Not intended to induce breach of an existing agency agreement.

#CanadianRealEstate #Inflation #RealEstateInvesting

Canadians are being told inflation is running around two and a half percent. The money supply is growing at seven to eight. Both of those cannot be true, and the gap between them is the reason everything feels harder than the official numbers say it should.

That gap is the thread we pull on for an hour, and it goes somewhere bleak.

The first is that nobody signs a five-year mortgage anymore. Jeff Mudrick has written roughly one all year. Everyone is taking two and three year terms, and when you ask them why, the answer usually is not about interest rates at all. It is about wanting the term to end when they think the chaos ends. Every year the term gets shorter, and every year the chaos does not end.

The second is worse, because it has been sitting there for a decade and almost nobody knows.

Your Ontario property taxes are calculated on what your home was worth on January 1, 2016. Not last year. 2016. The reassessment due in 2020 was postponed during COVID. The one due in 2024 never happened either, and a 2023 regulation extended the freeze. Mortgage applications right now routinely show an assessed value near three hundred thousand dollars against a property genuinely worth close to a million.

That gap does not close gently. Whenever the province finally moves, a decade of price growth arrives on one bill, and nobody gets to phase in a decade of their own budget to match it.

Jeff is a mortgage broker and this is his fourth time on the show. We get into the mechanics almost nobody explains: why the bank offering the best rate this month is doing it because of its own fiscal year end and not because it likes you, how the stress test quietly pushes buyers toward variable rates whether they want them or not, and the gap between what a lender says you can afford and what you can actually live on without eating instant noodles for five years.

We also get into why interest rates are not actually the problem. The twenty year average for a five year fixed is about 4.18 percent. We are roughly there. A two hundred thousand dollar mortgage at twelve percent and a four hundred thousand dollar mortgage at four percent cost almost exactly the same every month. Same payment, twice the debt. That is the real story, and it is not the one people argue about.

Fair warning: this one gets bleak in the middle. We talk about how inflation is actually calculated, why the number you are told is not the number you are living, and the economic condition where nothing works the way the textbook says it should.

Connect with Jeff Mudrick: Mortgages: Mudrick Mortgages For mortgage brokers: Rate Card Pro

Thinking of buying or selling in the GTA? Call or text Adam at 647-328-8958.

Adam Nadler | Vision Real Estate RE/MAX Your Community Realty, Brokerage [email protected] | https://visionrealestate.ca

This episode is general information and commentary, not mortgage, tax or financial advice for your situation. Rates, lender policies and qualifying rules referenced were current at the time of recording in September 2026 and change constantly. Property assessment and property tax policy are set by the Province of Ontario and your municipality, and no reassessment date has been announced. Speak to a licensed mortgage professional about your own file before acting on anything here.

#CanadianMortgages #PropertyTaxes #TorontoRealEstate

Benny Gendelman is a financial advisor and friend of the podcast. We get into rent versus buy when the S&P has been compounding at nine to eleven percent, why only four percent of stock pickers beat the market, where crypto and gold actually belong, and the difference between whole life and universal life in plain English. Then it turns into something bigger, about protecting your family before you buy the watch.

Thinking of buying or selling in the GTA? Call or text Adam at 647-328-8958.

Adam Nadler | Vision Real Estate RE/MAX Your Community Realty [email protected] | https://visionrealestate.ca

This podcast is for general information only and is not financial, insurance, legal or tax advice. Insurance and investment products are not suitable for everyone, and the right answer depends on your own circumstances. Speak with a licensed insurance advisor and a licensed investment professional before acting on anything discussed here. Past market returns do not predict future returns.

Nathan Graham spent 16 years as a real estate broker and mortgage agent. Now he builds AI agent systems for companies and C-suites.

Connect with Nathan Graham: Business:

Synthetic Echo Website: https://syntheticecho.com

Thinking of buying or selling in the GTA? Call or text Adam at 647-328-8958.

Adam Nadler | Vision Real Estate RE/MAX Your Community Realty [email protected] | https://visionrealestate.ca

This podcast is for general information only and is not financial, legal or technology advice. AI tools change quickly, and any pricing, capability or product claim discussed here reflects the date of recording. Verify current terms before relying on any platform, and use a qualified professional to review anything that touches client data, privacy or security.

#vibecoding #ai #aibusiness

Adam Niman is a private mortgage lender. He never intended to own rental property. Then one of his mortgages went bad, he ended up taking the house, and the number he ran afterward changed his mind about the whole thing. He also sells life insurance for a living, and he spends a good part of this hour explaining why most people should stop buying it as an investment. That includes the commission math behind the pitch, which he lays out in a way I have not heard anyone in the industry say out loud.

Guest: Adam Niman, BSc, CLU - Niman Financial Inc. | nimanfinancial.ca

Author of "Fortune or Fiction: Why The Be Your Own Banker Concept Is Flawed" | fortuneorfiction.ca

Listen on Spotify and Apple Podcasts - search "Supply and Demand with Adam Nadler" Book a call with Adam: https://calendly.com/pictureyourdreamhome

Visit: https://visionrealestate.ca/

Email: [email protected] | Cell: 647-328-8958

Adam Nadler is a licensed Realtor with RE/MAX Your Community Realty, serving Toronto and York Region. The opinions expressed are solely those of the speakers and should not be misconstrued as financial advice or the basis of an agency relationship. Please consult your professional advisor before taking action. Not intended to induce breach of an existing agency agreement.

#CanadianRealEstate #PrivateLending #WholeLifeInsurance

Connect with Lauren Cohen:

Brand: Investing Across Borders

Email: [email protected]

Toll-free: 1-866-724-0085

Program mentioned in this episode: How to Immigrate With Real Estate Find her on Facebook, Instagram, and LinkedIn under Investing Across Borders.

Thinking of buying or selling in the GTA? Call or text Adam at 647-328-8958. Supply and Demand with Adam Nadler is a podcast about the Canadian real estate market, available on YouTube, Apple Podcasts, and Spotify. Subscribe for a new conversation every week.

Adam Nadler | Vision Real Estate RE/MAX Your Community Realty

[email protected] | https://visionrealestate.ca

Not intended as financial or investment advice. The views expressed are the personal opinions of the host and guest, for informational purposes only. Nothing in this episode is legal, immigration, tax, or cross border advice, and no solicitor client relationship is created by listening. Immigration programs, tax treatment, insurance costs and licensing requirements differ by country and by state and change frequently. Always retain qualified professionals in both jurisdictions and confirm current requirements before acting. #LeavingCanada #TorontoRealEstate #CrossBorderInvesting

Connect with Zach:

Business: Divinity 24/7 emergency line: 705-308-6298

Currently advertising on HomeStars. Branding in progress.

Thinking of buying or selling in the GTA? Call or text Adam at 647-328-8958.

Adam Nadler | Vision Real Estate RE/MAX Your Community Realty

[email protected] | https://visionrealestate.ca

Not intended as financial or investment advice. The views expressed are for informational purposes only. Nothing in this episode is plumbing, building code, or trade advice. Codes, pricing, and results vary by home and by municipality and change over time. Always hire a licensed technician and confirm current requirements before acting.

#plumbingtips #torontorealestate #sumppump

Connect with Michael Cappa: Business: Altona Painting (residential and commercial, Richmond Hill to Peterborough) Instagram: @altonapainting

Personal: @_michaelcappa

Website: https://altonapainting.com

Google: https://share.google/wKTSaqME8Tz91WWV3

Thinking of buying or selling in the GTA? Call or text Adam at 647-328-8958.

Adam Nadler | Vision Real Estate RE/MAX Your Community Realty

[email protected] | https://visionrealestate.ca

Not intended as financial or investment advice. The views expressed are for informational purposes only. Painting, renovation, and asbestos-related costs and results vary by home. Always get a professional assessment, and for any pre-1990 popcorn ceiling, a certified asbestos test before removal.

#SellingYourHome #TorontoRealEstate #PaintToSell

Subscribe for more conversations on real estate, business, investing, and the economy.

Book a call with Adam: https://calendly.com/pictureyourdreamhome

Visit: https://visionrealestate.ca/

Email: [email protected] | Cell: 647-328-8958

Adam Nadler is a licensed Realtor with RE/MAX Your Community Realty, serving Toronto and the GTA. The opinions expressed are solely those of the speakers and should not be misconstrued as financial advice or the basis of an agency relationship. Please consult your professional advisor before taking action. Not intended to induce breach of an existing agency agreement.

Connect with Lauren Cohen:

Brand: Investing Across Borders (also launching Plan B Now / Plan B Move)

Email: [email protected]

Toll-free: 866-724-0085

Roadmap Masterclass (mentioned in the episode): July 10, 1:30pm ET

Link: investingacrossborders.net/RoadmapJuly

Active on Facebook, Instagram & LinkedIn.

Disclaimer: Lauren notes throughout that nothing in this episode is legal advice. Immigration rules (NAFTA, filing fees, birthright/exit-tax policy) are in flux; confirm current specifics before acting.

#movingtoflorida #leavingcanada #usvisa