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Canadian mortgage delinquency is just 0.23%… but credit cards, HELOCs, Canada Post, Bell, and even developers are cracking under the pressure. In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down what’s REALLY going on behind the “stable” mortgage numbers.

We cover:

CMHC data: Housing starts down 17% and why the promise of 500,000 new homes was never realistic.

Delinquencies: Why Canadian mortgage and HELOC delinquencies are tiny compared to the U.S., but credit cards and lines of credit are quietly surging.

Banks vs Brokers: Big 6 banks are suddenly SUPER competitive on renewals – and how brokers can still use that to your advantage.

Affordability crisis: Mortgage payments now exceed 50% of after-tax income in every Ontario urban centre – and hit 112% in Vancouver and 110% in Toronto.

Purpose-built rentals vs presales: Why developers are converting unsold presale condos into rentals and what that means for renters, investors, and first-time buyers.

Oligopolies & productivity: How telecom, food, and banking oligopolies trap Canada in a “low productivity” loop – and why that matters for rates and housing.

Developers under stress: Project cancellations, conversions to rentals, and big names like Westbank showing cracks.

Job losses: Canada Post effectively insolvent and cutting 30,000 jobs, Bell laying off 700 more – and how that feeds into recession risk and rate cuts.

Immigration & brain drain: Highly skilled immigrants are starting to leave Canada for better pay and opportunity elsewhere.

Wild true crime closer: A former Canadian Olympic snowboarder turned alleged cartel-linked drug kingpin now on the FBI’s Top 10 list.

If you’re a homeowner, first-time buyer, investor, or just trying to survive this economy, this episode will help you see the bigger picture and make smarter moves with your mortgage, your debt, and your future in Canada.

📩 Need mortgage advice or renewal help?
Reach out to Alex & Alex through the links in the description / show notes.

👍 Like, subscribe, and share this episode with someone stressing about housing or debt in Canada.

Podcast Social Links:
Website: https://canadianmortgageshow.com/
Instagram: https://www.instagram.com/canadianmortgageshow/
Facebook: https://www.facebook.com/canadianmortgageshow/

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Alex Pang 
Tiktok: https://www.tiktok.com/@alexpangmortgage/
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Alex Shanks 
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Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

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Canada just dodged a technical recession—but did the Blue Jays’ World Series run actually help save Ontario’s economy? In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down the latest jobs data, inflation numbers, interest rate forecasts, insolvency news, and even U.S. talk of 50-year mortgages.

They also cover developer failures in B.C., First Nations land claim impacts on financing in Richmond and Ontario, Questrade’s move into banking, Home Trust’s return to “A” lending, and why Canadians are financing everything from phones to concert tickets.


In this episode:

October jobs report & 6.9% unemployment

Inflation easing and what it means for Bank of Canada rate cuts

Why Scotiabank thinks rates could rise again in 2026

How Blue Jays mania and Taylor Swift concerts show up in spending data

Creative accounting in the federal budget and PBO pushback

Questrade’s new bank & Home Trust re-entering prime lending

Land claims in Richmond & Ontario and what lenders are actually doing

B.C. developer Square Nine’s insolvency & presale risks

U.S. 50-year mortgage talk and if that’s coming here

Podcast Social Links:
Website: https://canadianmortgageshow.com/
Instagram: https://www.instagram.com/canadianmortgageshow/
Facebook: https://www.facebook.com/canadianmortgageshow/

Follow Our Hosts:
Alex Pang 
Tiktok: https://www.tiktok.com/@alexpangmortgage/
Instagram: https://www.instagram.com/alexpangmortgage/

Alex Shanks 
Tiktok: https://www.tiktok.com/@mortgagemanagement/
Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

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In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a packed week of news that directly affects Canadian homeowners, buyers, and investors.

We start with the new federal budget: a $78B deficit, capital spending framed as “generational investments,” and big ticket items like $25B for housing, $30B for defense, and $115B for infrastructure—but almost no direct bailout for housing. What does that mean for interest rates, jobs, and home prices over the next few years?

Then we dig into:

• Plans to cut public service positions by ~40,000, trimming federal headcount from about 368,000 down to 330,000. 
• A new “productivity super deduction” that could let companies write off capital investments faster and potentially attract more business investment and jobs into Canada. 
• Major immigration and student visa changes, including a plan to drastically reduce new temporary residents and the ripple effects on student rentals and investor strategies. 

The second half of the episode goes deep on the Richmond First Nations land claim and what it could mean for property rights across BC and beyond. We talk about:

• A Richmond homeowner being told their mortgage won’t be renewed because of the claim. 
• A councillor saying a bank pulled $100M in financing on a project due to title uncertainty. 
• Legal experts warning that, after the Cowichan ruling, Aboriginal title can trump fee simple title and that 95% of BC land is under some form of claim.

We close with practical takeaways for diversifying your wealth beyond just your home, what to watch for as these court cases unfold, and why “no news” in the budget for housing is actually a very big story.

Timestamps & chapters below. Don’t forget to like, subscribe, and drop your questions in the comments—especially if you’re in BC or own in a land-claim area.

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Rates fell 0.25—but fixed didn’t budge. Richmond’s land-title fight spooked lenders. Condo sales tanking in the GTA. CRA pays a $4.99M refund automatically(?!). BC Hydro bans new crypto-mining hookups. We break down what actually affects your mortgage today, how variable vs fixed really works, and the real-world fallout if lenders refuse renewals on contested land.

In this episode:
• Variable vs Fixed: why only one moved after the cut
• Adjustable vs fixed-payment variables (and how your payment changes)
• When to lock your variable into a fixed (signal to watch: bond yields)
• Richmond land claim → renewals, valuations, insurability
• GTA condo freeze, Amazon job-cut chatter, Chinese EV tariffs talk
• BC Hydro’s crypto/data-center limits & what that means for innovation
• Ontario’s proposed HST relief for first-time buyers (what it actually saves)

Podcast Social Links:
Website: https://canadianmortgageshow.com/
Instagram: https://www.instagram.com/canadianmortgageshow/
Facebook: https://www.facebook.com/canadianmortgageshow/

Follow Our Hosts:
Alex Pang 
Tiktok: https://www.tiktok.com/@alexpangmortgage/
Instagram: https://www.instagram.com/alexpangmortgage/

Alex Shanks 
Tiktok: https://www.tiktok.com/@mortgagemanagement/
Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

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Canada’s economy is sending mixed signals—and mortgages, housing, and jobs are caught in the crossfire. Alex & Alex unpack September’s jobs print vs. unemployment, inflation ticking to ~2.4%, and what that means for the next Bank of Canada move. We also hit breaking headlines: the Ontario ad that sparked a Canada-US tariff spat, bank record profits alongside layoffs, Stellantis/GM shifts in auto manufacturing, and why “missing middle” construction is booming in Alberta but stalling in Toronto/Vancouver.
 Plus: CRA call-centre accuracy shockers, mortgage-fraud fines in the GTA, Richmond land-claim jitters in B.C., and global demographics—Poland’s tax break for bigger families vs. Japan’s hard line on immigration. Practical takeaways for buyers, owners, and investors in a market that feels different city to city. 

Podcast Social Links:
Website: https://canadianmortgageshow.com/
Instagram: https://www.instagram.com/canadianmortgageshow/
Facebook: https://www.facebook.com/canadianmortgageshow/

Follow Our Hosts:
Alex Pang 
Tiktok: https://www.tiktok.com/@alexpangmortgage/
Instagram: https://www.instagram.com/alexpangmortgage/

Alex Shanks 
Tiktok: https://www.tiktok.com/@mortgagemanagement/
Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

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BCREA Chief Economist Brendon Ogmundson joins Alex Pang and Alex Shanks to unpack the real state of BC housing: the surprising 2025 sales slowdown and rebound pockets, why pre-sales are struggling, and the capital problem behind our 600k-homes target. We dig into foreign-buyer rules (and the “Australia model”), REITs vs. rents, development charges and permitting bottlenecks, mass-timber/missing-middle solutions, and practical policy tweaks—like easing the stress-test buffer and giving buyers flexible amortizations. Brendon also shares a data-driven outlook on rates, prices, and regional divergence heading into 2026. If you work in real estate—or you’re trying to buy, hold, or build—this one is required listening. 

Podcast Social Links:
Website: https://canadianmortgageshow.com/
Instagram: https://www.instagram.com/canadianmortgageshow/
Facebook: https://www.facebook.com/canadianmortgageshow/

Follow Our Hosts:
Alex Pang 
Tiktok: https://www.tiktok.com/@alexpangmortgage/
Instagram: https://www.instagram.com/alexpangmortgage/

Alex Shanks 
Tiktok: https://www.tiktok.com/@mortgagemanagement/
Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

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Canada’s housing story is shifting fast. We open on why thousands of new condos are sitting unsold in the Lower Mainland and what that means for pricing power, then dig into a surprising stat: in Ottawa, monthly ownership costs can now beat renting (yes, really). We also tackle what’s next for mortgage rates, why many landlords are dangling incentives, and how to use a refinance-then-buy strategy to upgrade in today’s buyer’s market—without blowing up your cash flow. Finally, we share real client case studies (wins and watch-outs) and a practical checklist you can use before you make your next move.

Podcast Social Links:
Website: https://canadianmortgageshow.com/
Instagram: https://www.instagram.com/canadianmortgageshow/
Facebook: https://www.facebook.com/canadianmortgageshow/

Follow Our Hosts:
Alex Pang 
Tiktok: https://www.tiktok.com/@alexpangmortgage/
Instagram: https://www.instagram.com/alexpangmortgage/

Alex Shanks 
Tiktok: https://www.tiktok.com/@mortgagemanagement/
Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

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Canada’s housing chessboard is shifting again. Alex & Alex break down OSFI’s proposed loan-to-income limits and why they could sideline small “mom-and-pop” investors while empowering institutions. They weigh amortization creep (30… 50 years?), collapsing pre-con condo sales, and why prices—not just rates—are driving affordability. Then they connect the dots between immigration policy whiplash (international student clampdowns, asylum spikes) and rents, jobs, and even mobile phone activations as a population proxy. Rants included: white-collar crime (trust account blowups, mortgage Ponzi-style schemes), CRA income-verification reform, and tariffs south of the border. It’s a jam-packed, candid update on what’s actually moving Canadian real estate, lending, and the broader economy.

Key takeaways 

OSFI is floating rules that could block using personal income on 2nd/3rd rentals—tilting the field toward corporates.

Affordability is being “fixed” by letting people borrow more/longer (30→50 years?), not by cheaper homes.

Pre-con condo market is freezing; many projects are cash-flow negative without huge rent increases.

International student curbs (e.g., Conestoga) show instant knock-on effects to local rents and jobs.

Canada’s weak fraud enforcement + stalled CRA auto-verification keeps mortgage fraud too easy.

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In this episode, Alex Pang and Alex Shanks step away from the headlines to focus on mortgage renewal strategies that every Canadian homeowner should know. With record-low pandemic interest rates now expiring, many borrowers are facing renewal letters with much higher rates—and most simply sign without questioning.

Alex and Alex share practical tips on how to avoid overpaying, from negotiating renewal offers and exploring refinancing options, to re-amortizing for cash-flow relief, leveraging insurable mortgages, and even advanced tax strategies like debt swaps, cash damming, and the Smith Maneuver. They also break down the fine print around prepayment privileges, cashback offers, HELOC laddering, and why not all “low rates” are created equal.

Whether you’re a first-time buyer coming up on renewal or a seasoned homeowner trying to manage higher payments, this episode is packed with insights to help you protect your wallet and make smarter mortgage decisions.

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Canada just cut rates by 0.25%—but what does that actually mean for your mortgage? Alex & Alex break down variable vs fixed (why your adjustable payment may drop ±$13 per $100k, and why fixed rates follow bond yields—not the overnight rate), plus the real-world timing on locking in as renewal offers in the high-3s start popping up. We also zoom out: GTA unemployment pushing toward 10%, rents easing nationally, August housing starts sliding, REIT redemption gates, and Ottawa’s latest “nation-building” announcements (from LNG to modular builds)… alongside a pause on the 2026 EV sales mandate. Clear, no-hype takeaways for homeowners, buyers, and investors navigating the reset.