Paul and Steve are joined by Barb from Mortgage Brokers Ottawa, and they begin the show by discussing how the pandemic affected real estate (2:55) and where first-time homebuyers are buying (9:12). After the break, the gang converse about extending ratios for mortgages (10:34), the importance of mortgage brokers (13:31), and qualifying for a mortgage as well as buying a home now (18:13). Then, the gang talk about Toronto and Vancouver real estate vs. Ottawa (20:47), what people need to improve a home to sell (25:57), and selling a house within 12 months requiring capital gains (27:36). To end the show, the gang discuss the 1% vacant home tax (31:20), flipping homes (34:01), the smallest and average mortgages available (35:54) and December real estate(39:13).