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Steve Hamoen Podcasts

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In this episode, we start with a welcome and an introduction to private mortgage lending in Ontario, followed by a sponsor message from Real Approved Inc. We delve into the statistics and challenges faced by self-employed individuals when dealing with private mortgage lenders. The discussion highlights the costs and opportunities associated with pr…
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In this episode, we begin with a welcome and an overview of the topics to be discussed, followed by a sponsor message from Real Approved Inc. We explore CMHC's return to pre-pandemic rules and its implications for housing affordability. The discussion then shifts to the rising trends in Ontario insolvency filings and consumer proposals. We address …
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In this episode, we begin with a welcome and a sponsor message from Real Approved Inc. We delve into a CMHC report that outlines strategies for increasing housing starts in Ontario. The discussion then shifts to the challenges and economic impacts of housing construction in Toronto and across Canada. We explore housing investment trends, highlighti…
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Steve Hamoen and Sandy MacKay delve into the mindset required to overcome self-doubt in real estate investing, emphasizing the need to treat each property as a business with robust systems. They discuss the importance of team development for scaling and achieving freedom, highlighting lessons learned in property management. The episode explores set…
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In this episode, we begin with an introduction and a sponsor message from Real Approved Inc. We dive into a CMHC report focusing on housing construction and urban targets, followed by Fitch Ratings' perspective on Canada's housing market. The discussion shifts to the mortgage challenges faced by younger Canadians and explores real estate trends in …
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In this episode, we start with a welcome and a sponsor message from Real Approved Inc. We discuss a new housing construction bill aimed at fast-tracking approvals in Ontario and explore the evolving role of mortgage brokers in this changing market. We examine a CMHC report on housing affordability and construction pace, followed by an analysis of t…
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In this episode, Steve Hamoen and Christian Brim delve into the essentials of profit and business sustainability. They explore overcoming limiting money beliefs and the importance of divergent thinking in entrepreneurship. The discussion covers the principles of the Profit First methodology, highlighting the dangers of prioritizing revenue over pro…
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In this episode, we start with an introduction and a sponsor message from Real Approved Inc. We discuss the recent monthly drop in residential construction as reported by Statistics Canada and examine the challenges facing the housing market, including declines in building permits and starts. We also cover KIC Realty's expansion and their innovativ…
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In this episode, Steve Hamoen begins with an introduction, followed by a sponsor message from Real Approved Inc. We delve into the challenges and outlook for the housing markets in Calgary and Edmonton, examining factors impacting these regions. The discussion shifts to labor shortages affecting the construction industry and the emerging trend of c…
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In this episode, we begin with a welcome and a sponsor message from Real Approved Incorporated. We delve into CMHC's latest report on housing supply gaps, examining the pace of home construction and regional differences in supply and affordability. The episode covers CMHC's Annual Report for 2024, highlighting strategies and commitments to sustaina…
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In this episode, we kick off with a welcome and a sponsor message from Real Approved Inc. We dive into the Canada Mortgage and Housing Corporation report, focusing on regional supply gaps and innovations in construction technology. We explore Toronto's homebuilding surge and housing market challenges in Calgary and Edmonton, including political dev…
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Steve Hamoen and Anita Woodward discuss the differences between entrepreneurs and business owners, focusing on balancing tasks and overcoming the common issue of being perpetually busy. They explore the Pareto principle's role in task management and delve into effective delegation, emphasizing the importance of building systems and measuring succes…
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In this episode, Steve Hamoen kicks off with an introduction, followed by a sponsor message from Real Approved Inc. We explore the surge in Canadian mortgage debt and the implications of the Bank of Canada's policy rate amid ongoing inflation concerns. The episode provides an update on changes to the Consumer Price Index basket and analyzes real es…
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In this episode, we start with a sponsor message from Real Approved Inc. and dive into FSRA's suspension of ZK Financial Inc.'s license due to regulatory violations, stressing the importance of transparency in the mortgage industry. We discuss the trend towards variable-rate mortgages amid economic uncertainty and the effects of rising bond yields …
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Steve Hamoen and Shaneka Shaw Taylor into the legal enforceability of contracts, emphasizing proactive measures for business preparedness. They discuss the roles of key contract players and the importance of clear payment clauses. The conversation covers the nuances of contract language, settlement options versus trials, and post-judgment collectio…
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In this episode, we commence with a welcome and introduction, followed by a sponsor message from Real Approved Incorporated. We delve into the rising mortgage delinquencies and their economic implications, examining trends in mortgage renewals, amortizations, and rate preferences. We discuss homeowners' financial strategies in the current market an…
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In this episode, we start with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We examine the rising Canadian home prices and current economic trends affecting the housing market. Insights from the 2025 Residential Mortgage Industry Report are discussed, highlighting key findings. The conversation then moves to mor…
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Steve Hamoen and Veena Jetti delve into multifamily investments, discussing Steve's insights on small investments and capital raising along with Veena's journey as an immigrant. They address burnout, balancing life as a single parent, and the power of support networks. Ethical investing, raising grounded children, and the concept of leverage in bus…
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In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We explore Toronto's new zoning regulations for fiveplexes and sixplexes, discussing concerns about building height changes for basement units. We provide housing recommendations and highlight FSRA's recent action against a mortgage brok…
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In this episode, we kick off with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We discuss insights from principal brokers on Toronto condo sales and explore trends in the Southwestern Ontario market, including mortgage debt patterns. The conversation shifts to CMHC's updates on housing supply and mortgage delinq…
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In this episode, we begin with an introduction by Steve Hamoen, followed by a sponsor message from Real Approved Inc. We delve into the CMHC Residential Mortgage Industry Report, focusing on mortgage delinquencies. The discussion then shifts to Ontario's new real estate legislation and its potential impact on the market. We provide an update on the…
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In this episode, we start with a welcome and an overview of the GST rebate. Following a sponsor message from Real Approved Inc., we delve into Ottawa's proposal for a GST rebate on new homes, discussing its potential impact on the housing market. We then provide an update from CMHC on condo markets and explore investor stress. Economic developments…
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In this episode, we begin with an introduction to the podcast and a sponsor message from Real Approved Inc. We discuss Ontario's rising unemployment rate and the potential impacts of immigration on the housing market. The conversation shifts to changes in buyer behavior within the GTA real estate market. We then examine variations in the real estat…
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Steve Hamoen and Petar Krastev discuss the role of precision in training and its impact on business. They share stories from sports, emphasizing habits and discipline in fitness for entrepreneurs. The episode explores integrating fitness into daily life, the allure of Brazilian jiu-jitsu, and peak performance. They highlight the link between health…
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In this episode, we kick off with an introduction to the podcast and a sponsor message from Real Approved Inc. We then explore the dynamics of housing demand and construction supply in Toronto. The discussion moves to federal and Toronto-specific initiatives aimed at improving housing affordability. We analyze the Bank of Canada's latest interest r…
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In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into a TransUnion report that highlights consumer debt and its impact on the housing market. The discussion then shifts to the importance of mortgage readiness and financial education. We address economic stress and offer advice…
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In this episode, we start with an introduction and a sponsor message from Real Approved Inc. The discussion moves to OSFI's proposed loan-to-income regulations and their potential implementation. Expert opinions weigh in on the balance between market stability and housing affordability. We provide an outlook on interest and mortgage rates, along wi…
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In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We dive into the topic of mortgage renewals, addressing homeowner concerns and financial adjustments. The discussion shifts to the Bank of Canada's interest rate decision and its implications for the housing market. We explore the federa…
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In this episode, we start with a welcome and introduction, followed by a sponsor message from Real Approved Inc. The discussion centers on the Bank of Canada's interest rate decision and its impact on the housing market. We analyze the decline in Ontario home prices and explore the potential for a rebound. The conversation shifts to government ince…
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Steve Hamoen and Chaz Tedesco delve into the world of phone sales, discussing effective strategies to overcome call hesitation and leverage phone technology. They emphasize the importance of motivation, massive action, and comprehensive training, including product and competitor knowledge, in achieving sales success. The conversation addresses hand…
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In this episode, we begin with an introduction and a discussion on the key interest rate, followed by a sponsor message from Real Approved Inc. We dive into the ongoing debate surrounding the mortgage stress test and provide an update on the Greater Toronto Area market. The conversation continues with an update on FSRA's recent enforcement actions.…
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In this episode, we kick off with an introduction to the podcast and a sponsor message from Real Approved Inc. We explore recent shifts in fixed mortgage rates and the resulting market dynamics. Discussion includes borrower strategies for navigating uncertain times and a comprehensive update on the Toronto condo market with strategic approaches. We…
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Join Steve Hamoen and Michael Matthew as they explore real estate investment strategies, highlighting the balance between action and planning. They discuss Michael's book and the triple c structure for Canadian investors, touching on tax credits, FAPI, and recent legislative changes. Topics include rent control, development challenges, and the bene…
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In this episode, we begin with a welcome and an introduction, followed by a sponsor message from Real Approved Inc. We discuss the Bank of Canada's interest rate decision and its implications for the market, along with the rebound in Canadian 10-year government bond yields amid trade tensions. The importance of staying informed in the real estate a…
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In this episode, we start with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We then explore real estate opportunities in Northern Ontario, highlighting the potential for growth in this region. The discussion shifts to a spotlight on commercial properties, examining current market trends and potential investment …
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In this episode, we begin with a welcome and an overview, followed by a sponsor message from Real Approved Inc. We delve into RBC's mortgage delinquencies and the effects of high interest rates on the market. The discussion shifts to the risks associated with high-rise condos and commercial real estate. We explore the growing inequality in home own…
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In this episode, we begin with an introduction and a discussion on recent legal developments, followed by a sponsor message from Real Approved Inc. We explore the topic of syndicated mortgages and the increase in mortgage delinquencies. The episode examines how current economic conditions are impacting retirees and causing shifts in the housing mar…
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In this episode, we open with an introduction and a look at current market trends, followed by a sponsor message from Real Approved Inc. The discussion then shifts to common mistakes made by first-time buyers amid economic uncertainties, and the opportunities and challenges present in today's market. We review insights from the Task Force for Housi…
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In this episode, Steve Hamoen is joined by Mitchell Levy to explore the importance of credibility and authentic communication in leadership. They discuss the role of trustworthiness and how AI can enhance human interaction. The conversation highlights the use of podcasts for building credibility and emphasizes clarity in communication using Mitchel…
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In this episode, we start with an introduction to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We examine trends in Ontario's mortgage delinquency and missed payments, and discuss the 'great renewal' effect on mortgage originations. The episode delves into the current state of mortgage r…
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In this episode, we start with an introduction to the podcast, followed by a sponsor message from Real Approved Inc. We discuss the rise in mortgage delinquencies and the factors contributing to this trend, as well as national credit card delinquency patterns. The episode highlights an increase in new mortgage originations before exploring the Home…
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Steve Hamoen and Leighton Campbell explore the intricacies of happiness, contrasting lasting fulfillment with fleeting pleasure. They discuss gratitude, overcoming adversity, and key happiness pillars like family memories. The episode addresses challenges in transitioning from service roles and finding purpose post-retirement. Leighton Campbell sha…
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In this episode, we begin with a welcome and introduction by Steve Hamoen, followed by a sponsor message from Real Approved Inc. We explore recent economic news and its impact on the housing market. The discussion includes the Bank of Canada's outlook on unemployment and inflation, as well as the political landscape and its influence on economic pr…
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In this episode, we kick off with an introduction to the Ontario Mortgage & Real Estate Insights Podcast, followed by a sponsor message from Real Approved Inc. We discuss the latest CMHC report, highlighting financial strain on homeowners and available options. The episode then shifts to TD Bank's recent earnings, examining mortgage volumes and pro…
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In this episode, we begin with a welcome and a sponsor message from Real Approved Inc. The episode features a debate on housing affordability, examining various government perspectives. We then delve into the current state of Ontario's real estate market and its economic impacts. Insights from the CMHC Mortgage Consumer Survey are discussed, sheddi…
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In this episode, we begin with a welcome and an overview, followed by a sponsor message from Real Approved Inc. We discuss the surge in bond yields amid economic uncertainty and its impact on mortgage rates. The conversation then shifts to real estate market dynamics, focusing on the decline in home sales and emerging non-traditional funding trends…
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In this episode, we begin with a welcome and introduction, followed by a sponsor message from Real Approved Inc. We delve into the Bank of Montreal's Real Financial Progress Index, examining its insights into market confidence. The discussion then shifts to financial help and shared ownership trends amid rising mortgage rates. We explore how recent…
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Steve Hamoen and Matin Haghkar into Matin's real estate journey, emphasizing the importance of building confidence and overcoming adversity. They discuss navigating challenges and opportunities during COVID, mastering confidence, motivation, and discipline in sales, and the evolution of Matin's career with a focus on mindset. The conversation highl…
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In this episode, we start with a welcome and overview, followed by a sponsor message from Real Approved Inc. We discuss the Canadian housing market downturn amid economic uncertainty and examine Ontario's housing market decline and price trends. The episode explores macroeconomic influences on real estate, including housing starts developments and …
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In this episode, we begin with a welcome and an overview of Ontario's housing market, followed by a sponsor message from Real Approved Inc. We delve into a legal case concerning unexpected utility-related charges, highlighting its implications for homeowners. The discussion then shifts to recent developments in the bond market and their impact on m…
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