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How do mortgages brokerages actually work—and why are so many career-changers becoming mortgage brokers? Real Life Mortgage Solutions breaks down real deals, digs into industry connections and strategies, and uncovers how brokers find the perfect blend of independence and impact.
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ChooseFI

ChooseFI

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How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with ac ...
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Exclusive Guest Interviews your front-row seat to the real-world playbook of creative real estate investing. Each week, host Michael Riordan sits down with deal-makers who thrive outside the conventional mortgage box—think subject-to specialists, seller-finance pros, lease-option architects, note investors, master-lease tacticians, and more. Behind The Scenes Stories Pulls back the curtain on our guests creative real-estate deals, revealing the late-night negotiations, surprise setbacks, and ...
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The Canadian Mortgage Show

Alex Pang & Alex Shanks

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Welcome to The Canadian Mortgage Show, where we cut through the noise to bring you straight facts on mortgages and real estate in Canada. Focused on BC with a national perspective, we feature expert guests and real insights. Tune in for no-nonsense advice and answers to your questions!
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Send us a text 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, devel…
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Brad, Katie, and Alan Donegan discuss the significance of understanding the "why" behind pursuing financial independence (FI). They delve into their journey, emphasizing the importance of community, intentional spending, and lifestyle design. Listeners are encouraged to confront their fears of rejection when building friendships and to embrace vuln…
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Len chats with Corey Cardelinni, BRM for Alberta at CMI, about how a seasoned private lender approaches real-world files. They cover CMI’s flexible solutions including, first and second mortgages, bridge and equity loans, and purchase-plus improvements, and why clear, detailed commitments plus quick, organized documentation can accelerate approvals…
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Send us a text 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 d…
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Paula Pant introduces her innovative FI-I-R-E framework, which encompasses Financial Psychology, Increasing Your Income, Investing, Real Estate, and Entrepreneurship. The discussion emphasizes the critical role of financial psychology in shaping one’s financial decisions and behaviors. Paula's approach aims to inspire excitement about personal fina…
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Brad interviews Chris Hutchins, host of the podcast All The Hacks. They dive deep into challenging the traditional mindset of financial independence (FI), exploring the balance between saving for the future and enjoying life experiences in the present. The discussion revolves around the potential pitfalls of overly conservative financial strategies…
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Send us a text 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…
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In this episode, host Len Lane, founder of Brokers for Life, welcomes Kevin Kennedy, owner of KDK Financial, to discuss how car payments affect Total Debt Servicing (TDS) and Gross Debt Servicing (GDS) ratios in the mortgage process. With many Canadians carrying large vehicle loans, this often becomes a barrier to mortgage approval. Kevin shares ho…
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Brad welcomes Aubrey Williams, a financial advisor and member of the ChooseFI community. They discuss innovative strategies for financial independence (FI), focusing on flexible withdrawal rates, dynamic spending adjustments using historical analysis, and how adopting a more adaptable mindset can potentially lead to earlier FI. Timestamps & Discuss…
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Send us a text 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. W…
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Brad Barrett hosts Cody Garrett and Sean Mullaney, co-authors of Tax Planning To and Through Early Retirement, exploring essential tax strategies for the FI community. They address misconceptions about retirement taxes, the drawdown process, and effective tax rates, emphasizing the importance of informed planning to navigate financial independence …
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Send us a text In this special episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks welcome Mayor Brad West of Port Coquitlam. Known for his straight-talking, community-first leadership, Brad shares his journey from being elected at 23 to becoming one of B.C.’s most outspoken mayors. We dive into the challenges facing municipalities tod…
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In this episode, Len Lane, Founder and President of Brokers for Life and part of Dominion Lending Centres, reflects on his 20+ year journey in the mortgage industry. He explains how his transition from selling new homes to becoming a mortgage broker gave him the freedom and fulfillment he was looking for. Len shares the key differences between work…
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Jackie Cummings Koski returns to discuss the fundamental principles of financial independence (FI) and early retirement. The conversation emphasizes the importance of understanding FI—financial independence lets individuals no longer depend on a paycheck, offering options and freedom in life. Jackie shares insights on creating habits, starting smal…
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Send us a text In Episode 53 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks dive into the latest developments shaping Canada’s economy and housing market. They break down Canada’s shrinking GDP, the impact of U.S. tariffs on exports, and what’s really behind rumors of a Bank of Canada rate cut. The conversation also covers affordabi…
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ChooseFI unveils a new feature on the website that allows listeners to have their financial independence questions answered by experts. Featuring in-depth discussions with Karsten Jeske (Big Earn) and Fritz Gilbert, the episode explores the ramifications of potentially increasing the safe withdrawal rate and provides critical insights into retireme…
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Send us a text Episode 52 marks the one-year anniversary of The Canadian Mortgage Show, hosted by Alex Pang and Alex Shanks. Over the past 12 months, the show has tackled the biggest questions in Canadian housing, finance, and economics—and this episode is no different. In this anniversary special, Alex and Alex reflect on their journey, the realit…
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In this episode of Real Life Mortgage Solutions, Len Lane is joined by Chris Woodhouse of Highclere Lending to talk about innovation, integrity, and strategy in the Canadian mortgage space. With a career that began in brokering and evolved through leadership roles at major lenders like Street Capital and RFA, Chris now brings his expertise to the f…
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Brad and Ginger discuss the importance of asset flexibility, community building, and health savings accounts (HSAs). The conversation emphasizes maximizing contributions to HSAs while addressing financial conflicts that arise within relationships. Key Topics Discussed: Introduction and Community Building (00:00:00) Ginger shares her growing efforts…
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Send us a text In Episode 51 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks break down the latest economic and housing updates shaping Canada’s financial landscape. From cooling inflation data and potential Bank of Canada rate cuts, to falling building permits and job losses across the country, the hosts highlight what these shifts …
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Brad Barrett welcomes Jillian Johnsrud, author of Retire Often, as they delve into the transformative concept of mini retirements. Jillian shares her insights on how taking intentional breaks from work can enrich life experiences, enhance personal growth, and help individuals navigate transitions on their journey towards financial independence. Key…
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Send us a text In this milestone 50th episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks unpack the latest economic, housing, and policy shifts shaping the Canadian market. They dive into U.S. inflation data, new tariffs from the U.S. and China, and how these pressures spill into Canadian retail sales and the weakening Loonie. T…
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In this episode of Real Life Mortgage Solutions, host Len Lane sits down with industry veteran Gary Siegel to explore his five-decade-long journey through Canada’s evolving mortgage landscape. Gary reflects on his early years with CMHC, where he managed social housing programs, direct lending, and insured mortgages—laying the foundation for a caree…
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Marla Taner shares her journey of living off the 4% rule since her retirement in 2013. She discusses the financial strategies that have supported her abundant lifestyle, the emotional aspects of transitioning into retirement, and the importance of reassessing fixed costs. Marla's insights provide inspiration for those seeking financial independence…
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Send us a text In this episode of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks welcome Andrew Huang, Licensed Builder at Fairlands Custom Homes Ltd., for an in-depth look at the realities of building in Greater Vancouver and across BC. With over 20 years in the construction industry, Andrew shares his journey from working in commerci…
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Join Brad, Katie, and Alan in a candid conversation about financial independence, travel rewards, and lifestyle choices. They discuss the importance of zero-based thinking, share experiences as digital nomads, and challenge conventional views on net worth by introducing the concept of a "freedom fund." Timestamps: 00:03:48 - Zero-Based Thinking Dis…
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Welcome back to Off Market Mindset! In this laid-back yet power-packed episode, Michael Riordan sits down with Joseph Doherty—a Northern New England commercial real estate specialist and capital-finder who’s redefining how deals get done. Based in Greater Boston, Joe’s expertise spans anything over four units, and he’s built a reputation as the go-…
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Send us a text In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks unpack the latest updates in Canada’s mortgage and housing market. They discuss why the Bank of Canada held rates steady, how looming tariffs could impact inflation, and where interest rates may be headed next. From analyzing the ideal “healthy” mortgage rate to…
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In this insightful episode of Real Life Mortgage Solutions, Len Lane is joined again by Sandra Landry of MNP to discuss the ever-evolving landscape of consumer debt and insolvency in Canada. They explore how economic pressures have led to a noticeable uptick in larger and more complex consumer proposals, often involving higher incomes and assets (s…
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Tim Ferriss focusing on financial independence, the importance of mentorship, and the role of playful experimentation in living a fulfilling life. Discover insights on designing an intentional life and the values behind Tim's new game, COYOTE. Key Takeaways Experiential Learning & Game Selection Choose the right projects to engage in rather than ju…
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Send us a text Join Alex Pang and Alex Shanks as they welcome special guest Marc Alteman from Altman Financial Inc. to Episode 47 of The Canadian Mortgage Show. Marc, a private mortgage broker with nearly 15 years of experience, specializes in connecting individuals with direct private mortgage lenders for real estate transactions. This episode dem…
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Key changes in tax law related to the newly passed One Big Beautiful Bill significantly impact the financial independence (FI) community. Notably, the extension of tax rates and the higher standard deduction provide more planning certainty for early retirees, allowing greater financial management under these new regulations. Brad & Sean Mullaney di…
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Strap in—this week on Off Market Mindset, host Michael Riordan sits down with military‐vet‐turned‐real estate powerhouse Shawn McArthur. Shawn’s journey starts with his very first flip—a meth house renovation completed while he was still on active duty in the Army—and rockets through a breakout career selling 30 homes in his first six months as an …
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Send us a text This week, we're honoured to host the remarkable Victoria Fung from Oakwyn Realty Northwest. Victoria isn't just a second-generation realtor with a decade of experience; she's a former professional Muay Thai fighter whose competitive spirit and disciplined approach now powerfully serve her clients, especially in the sensitive areas o…
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In this episode, Len welcomes Chris O’Sullivan from Alta West Capital to break down the ins and outs of private lending and how it fits into a broker’s toolkit. Chris shares his unique background—from private brokering to auto finance and now to advocating for brokers at Alta West—and outlines the flexible mortgage solutions that Alta West offers. …
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Brad and Rachael Camp tackle listener-submitted questions focusing on bonds, retirement strategies, pensions, and optimizing Roth IRA conversions. Rachael Camp, a Certified Financial Planner, sheds light on various financial independence (FI) strategies—discussing the impact of interest rate volatility on bond investments, the importance of tax pla…
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Send us a text In this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s broader economic landscape and its influence on the mortgage market. They tackle the strengthening Canadian dollar, the disruptive impact of AI on the job market and corporate layoffs, and the government's approach to budgeting. They also touch on the c…
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Effective financial planning resembles both a puzzle and a spider web, where each decision impacts interconnected aspects of one's financial life. Brad is joined by Jesse Cramer and explores the importance of resilience over perfection in financial planning, how minor choices can have significant implications, and the necessity of revisiting one's …
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In this powerful episode of Off Market Mindset, host Michael Riordan sits down with Steve Pugh, a 28-year real estate veteran and one of Florida’s top brokers. Steve opens up about his journey—from battling addiction and facing jail time to becoming a high-performing broker associate under eXp Realty, closing 40–50 deals a year, and leading one of …
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In this episode of The Off Market Mindset, host Michael Riordan sits down with 21-year-old entrepreneur and real estate investor Godsheritage Adeoye—better known as Heritage—to break down what it really takes to build a brand, create leverage, and buy your first property while still in college. This one hits different. Heritage isn’t just another c…
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👉 Are you a real estate investor with a story to share? Apply to be a guest at peerlesspropertysolutions.com/podcast and let’s put your deals on blast! Step inside this week’s Off Market Mindset as host Michael Riordan chops it up with Jose Cortes—Air-Force-vet-turned-investor, transactional lender, and DSCR broker with a bullpen of 22 lending part…
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Learn how to leverage creative finance, “Subject-To” deals, and component-driven modular homes to crush today’s Colorado real-estate market. Realtor-investor Reed Peuser joins host Michael Riordan on the Off-Market Mindset podcast to reveal his blueprint for scaling from 250+ traditional transactions to high-margin prefab developments—while solving…
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Send us a text In this episode, Alex Pang and Alex Shanks dig into what’s going on with Canada’s housing market—think struggling developers, growing mortgage fraud, affordability headaches, and government slip-ups. They also chat about job openings, youth unemployment, and which provinces are seeing home prices climb. Whether you’re in real estate …
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Host Len Lane sits down with Sam Dayal, a CPA and seasoned commercial underwriter with Dominion Lending Centres. With over 15 years of experience in the industry, Sam shares practical insights into the nuances of commercial financing, breaking down the differences between business loans and commercial mortgages. He explains how factors like cash fl…
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Kristen Knapp shares her journey from a childhood marked by poverty to achieving financial independence and transitioning to part-time work as a television meteorologist. She introduces her new venture, FI Friends Travel, a travel initiative that connects financial independence enthusiasts through meaningful, shared travel experiences. Kristen emph…
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Send us a text In this episode, Alex Pang and Alex Shanks break down offset mortgages—a financial tool that could help you save thousands in interest and pay off your mortgage years ahead of schedule. But it's not for everyone... Here’s what you’ll learn: What is an Offset Mortgage? How it works and how it compares to traditional mortgage + HELOC p…
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Cody Garrett, (CFP), joins Brad to discuss the pervasive myth of the middle-class trap in the financial independence (FI) community. Through four case studies, they illustrate how individuals often feel trapped financially due to psychological barriers rather than actual limitations. The conversation provides insights into turning retirement accoun…
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