What if the government just made housing more affordable… but at the same time triggered the next price correction. This week, Vince dives into the federal and provincial governments announcement cut development charges by 50%—along with GST and PST rebates on new homes under $1.5M. On paper, this looks like a major win for housing affordability in Canada. But there’s a side of this story no one is talking about.

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

Canada’s economy is being called “strong,” but Canadians are feeling the squeeze. With the Bank of Canada holding rates and job losses rising, homeowners and the middle class are under serious pressure. This week, Vince breaks down what’s really happening — from mortgage stress to rising costs — and what it means for your financial future. If you’ve got a renewal coming up, don’t wait.

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

Toronto is facing a housing crisis, rising costs, and growing pressure on infrastructure — so why did the City of Toronto spend $2.7 million to rename Yonge-Dundas Square?

This week, Vince breaks down how developer contributions — meant for parks, community centres, and public infrastructure — were used for a renaming project, and what that says about city priorities.

Then also dive into the controversy surrounding a citizen fundraiser supporting the Daily Bread Food Bank, and why legal action from the city is raising serious questions about accountability, governance, and leadership.

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

Canada’s economy looks strong on paper… but is it actually falling apart beneath the surface? This week, Vince digs into what’s really happening in the Canadian economy — from rising bankruptcies and record consumer debt to increasing mortgage payments and financial stress across households. While headlines say “resilient,” many Canadians are feeling the exact opposite.

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

After testifying before the Senate of Canada, Vince breaks down the key findings from the report Out of Reach: Unlocking Canada’s Housing Affordability Crisis and explains why government policy, development charges, approval delays, and mortgage stress test rules are making housing more expensive for Canadians.

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

The next 12–24 months in Canada won’t just test the housing market — they’ll test households. This week, Vince highlights how mortgage renewals are hitting at 4–6% after years of ultra-low rates. Insolvencies are rising at the fastest pace since 2008. Credit stress is spreading. Housing supply remains constrained and rent is climbing. 

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

This week, Vince breaks down the real differences between working with a mortgage broker and going directly to a traditional bank. He challenges common misconceptions and explains how the right advice — not just the lowest rate — can save you thousands over the life of your mortgage.

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

The truth about Canada’s housing market isn’t in the headlines. If you’re waiting for the Bank of Canada to slash interest rates and save affordability… you may be waiting a long time. This week, Vince breaks down why major rate cuts may not arrive anytime soon, what the latest Labour Force Survey is really revealing about employment quality, and how rising mortgage renewals, household debt, and EI claims are adding pressure across Canada. 

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

This week, Vince breaks down what must change before for him to turn bullish on Canadian real estate—and why confidence matters more than interest rates. Vinces dives into employment stability, disposable income, debt levels, mortgage delinquencies, and why government “affordability indexes” don’t reflect real household stress.

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

Imagine losing your home — not because you missed a payment, but because your lender panicked. That’s exactly what’s happening right now in Canada’s private lending market. This week, Vince exposes a disturbing trend: private lenders refusing mortgage renewals on loans being paid exactly as agreed — no arrears, no defaults — simply because property values dipped and risk tolerance disappeared. This isn’t risk management. It’s predatory lending behavior in a stressed housing market.

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