Want to know the biggest real scam in Toronto real estate? It’s not greedy developers or foreign investors — it’s your own government. Right now, up to 27% of every new home’s price in the GTA is made up of government charges. That’s not land, not steel, not bricks — it’s bureaucracy. On a million-dollar townhouse, that’s up to $270,000 in fees — and you’re the one paying for it every month through your mortgage. While City Hall talks about “equity” and “justice,” Toronto’s housing market is being strangled by endless red tape, bloated budgets, and political incompetence. From Olivia Chow’s leadership to council’s spending spree, we’ve built a system where housing pays for everything — yet nothing gets better.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Canada’s Debt Crisis Is Here — And It’s Worse Than You Think. Canadians are drowning in debt — and no one wants to admit it. Household debt in Canada just hit $2.9 trillion, with the debt-to-income ratio soaring to record highs. For every dollar we earn, we owe $1.80. And now, rising interest costs are eating up our paycheques — not groceries, not savings, just interest.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

What if I told you Canadian banks convinced you to “save” $2 a month… and in return, you gave them hundreds—sometimes thousands—every year? This isn’t about fees. It’s not about interest. It’s about blindness. Banks and credit card companies pushed us into digital statements under the disguise of “going green.” But here’s the truth: it’s not about the environment—it’s about hiding the money dripping out of your account every month. From forgotten streaming services to unused gym memberships, Canadians are losing over $550 a year in recurring charges they don’t even notice. And the banks are profiting from your silence.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Are Canadian homeowners reaching their breaking point? The latest Bank of Canada rate cut might sound like relief—but for millions of families, it’s too little, too late. Mortgage delinquencies are climbing in Ontario and B.C., consumer debt is piling up, and renewal shock is crushing hardworking Canadians who once believed in the dream of homeownership.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Canada is in trouble — and nobody wants to admit it. The Bank of Canada is about to cut interest rates for the 8th time, and while some people are cheering for a “housing rebound,” the truth is much darker. This isn’t a sign of strength. It’s a warning siren for just how weak our economy really is. 

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Canada’s economy is in crisis mode—and it’s not just inflation or interest rates. It’s productivity. Bank of Canada Deputy Governor Carolyn Rogers just called it a “crisis”—and she’s right. Productivity in Canada is collapsing, the gap with the U.S. is at record highs, and unless we wake up, the fallout will hit jobs, wages, and housing.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Canada’s job market just flashed a massive red warning light—and homeowners, buyers, and investors need to pay attention. The August 2025 Labour Force Survey shows 66,000 jobs lost in a single month—107,000 in two months. And it’s not seasonal work disappearing—it’s the backbone of our economy: construction, manufacturing, and retail.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

STOP! Don’t Buy Your Next Home Before Selling! The old “buy first, sell later” playbook is DEAD in 2025. In today’s market, buying before selling could cost you hundreds of thousands, sleep, and your financial peace.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Canada’s “housing boom” is a scam. We’re not building homes for families — we’re building rentals for corporations. In Toronto, over 80% of new builds are purpose-built rentals. CMHC is backing billions for landlords, while first-time buyers are locked out and priced out. This isn’t just bad policy… it’s generational theft. If we keep replacing homeownership with rentals, we’re locking in a future where equity, stability, and the middle class disappear. Here’s why the system is rigged, how it happened, and what’s coming next...

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

It’s not just high interest rates or immigration. The real reason homes are unaffordable? Development Charges (DCs) — a quiet, crushing tax adding over $150,000 to new homes. Meanwhile, Montreal builds smarter—with lower costs and fewer fees. This week, Vince breaks down how Toronto’s broken system is killing affordability—and what we need to fix it before it’s too late.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/