If interest rates were the real problem… rate cuts would have fixed this by now. THEY DIDNT'! Because Canada doesn’t actually have a housing crisis — it has a cashflow crisis… and no one wants to say it out loud. But I WILL. Rate cuts only slow the bleeding. This isn’t about irresponsible spending. It’s about math turning against households. Groceries, childcare, taxes, insurance, utilities, debt payments — these costs don’t get cheaper just because rates dip.

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

Toronto is not “evolving.” It’s breaking. This week, Vince exposes how failed city leadership, reckless spending, and zero accountability have pushed Toronto into visible decline — unsafe streets, unusable transit, exploding homelessness, record food bank use, and nonstop property tax hikes crushing homeowners. City Hall celebrates “progress” while outcomes collapse.

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

What if the housing market isn’t “springing back” — but quietly breaking down? And the only people pretending otherwise… are the ones who need your commission cheque? This week, Vince breaks down why the real estate market in 2026 is NOT rebounding, despite what agents, influencers, and headlines want you to believe. It isn’t fear — it’s fundamentals.

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

The best opportunity for first-time homebuyers in over a decade is happening right now — and almost nobody is talking about it? This isn’t a balanced market. It’s a buyer’s market hiding in plain sight. Prices have retreated, inventory is rising, sellers are under pressure, and qualified first-time buyers now hold real leverage. While most realtors won’t admit it, many sellers — especially those who bought at the peak, renovated on credit, or renewed at higher rates — are hurting and quietly looking for an exit.

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

Toronto isn’t declining by accident — it’s being mismanaged, and homeowners, renters, and buyers are paying the price. Rising crime, unreliable transit, gridlocked traffic, higher property taxes, and weaker city services aren’t just quality-of-life issues — they directly affect housing affordability, property values, mortgage risk, and long-term economic confidence across the GTA. 

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

Canada is facing a productivity crisis — and the consequences are showing up in your paycheck, your mortgage, and the price of your home. Canada is facing a productivity crisis — and the consequences are showing up in your paycheck, your mortgage, and the price of your home. For more than a decade, our federal strategy has been immigration-first, productivity-last. Instead of investing in innovation, competitiveness, automation, and efficiency, we’ve relied on population growth to prop up GDP... and now the cracks are showing.

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

Canada is NOT “stabilizing.” It’s suffocating... And the new reports from RE/MAX, the media, and even the government are straight-up gaslighting Canadians who are drowning in debt, soaring payments, and now—massive layoffs like Algoma Steel cutting 1,000 workers. What does this mean for Canadian Homeowners and the future of the economy?

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

What if the biggest threat to Canada’s economy isn’t inflation, interest rates, or even the housing crisis… but a government finally admitting the math doesn’t work — while pretending the old tools can still fix it? This week, Vince breaks down Mark Carney’s first federal budget and what it REALLY means for homeowners, buyers, and the future of Canada’s economy.

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

I just did what most Canadians wish they could — I went to Ottawa and spoke directly to the Senate about Canada’s broken housing system. And they listened. This week I share some of the key topics I discussed in front of the Standing Senate Committee on Banking, Commerce and the Economy — a room full of sharp minds trying to untangle the housing mess Canada has engineered over the past 20 years. I opened with what every Canadian already feels: affordability isn’t strained — it’s shattered. I told them: we don’t have a housing supply problem; we have a system design problem...

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

In Canada, the mortgage stress test—brought in to protect homeowners—is now punishing them. It’s hijacked the very foundation of Canadian lending: the Five C’s of Credit (Character, Capacity, Capital, Credit, Collateral). Today, none of that matters. One algorithm decides your future. Welcome to 2025: Where the “Computer says NO.” This week, Vince exposes how the OSFI stress test and Bank of Canada policies are trapping responsible Canadians in Mortgage Jail — forcing them into alternative lenders, higher rates, and costly fees… even when they can afford the payments.

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