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TMS- The Mortgage Specialist Financial Podcast
Canada
Приєднався 14 жов 2010
Welcome to TMS - The Financial Channel, where we navigate the often confusing world of finance with the aim of making it accessible and relatable.
I'm just a regular Canadian, working in the financial sector with a bit of experience under my belt. Through this podcast, I want to share insights and knowledge to help clear up some of the financial murkiness that many of us face.
But it’s not all numbers and dollars here-we also dive into the latest in the sports world and have candid chats with friends from time to time. Whether you're here to learn about managing your finances or just want to enjoy some laid-back conversations, there's something for everyone.
Got questions or a topic you'd like to explore further? Don't hesitate to reach out. Let's make finance less daunting, one episode at a time
I'm just a regular Canadian, working in the financial sector with a bit of experience under my belt. Through this podcast, I want to share insights and knowledge to help clear up some of the financial murkiness that many of us face.
But it’s not all numbers and dollars here-we also dive into the latest in the sports world and have candid chats with friends from time to time. Whether you're here to learn about managing your finances or just want to enjoy some laid-back conversations, there's something for everyone.
Got questions or a topic you'd like to explore further? Don't hesitate to reach out. Let's make finance less daunting, one episode at a time
What you should include in a separation agreement.
Discover the essential components of a separation agreement to ensure a smooth process during a divorce or separation. Learn about financial settlements, property division, and child custody arrangements to protect your interests.
#SeparationAgreement #Divorce #FamilyLaw #PropertyDivision #ChildCustody #LegalAdvice #Finance #RealEstate #MortgageTips #Canada
#SeparationAgreement #Divorce #FamilyLaw #PropertyDivision #ChildCustody #LegalAdvice #Finance #RealEstate #MortgageTips #Canada
Переглядів: 15
Відео
The importance of an inspection
Переглядів 221 день тому
Home inspections can make or break a real estate deal! Whether you're buying your first home or investing in property, knowing what to look for during an inspection is essential. #realestate #canada #foryou In this video, we cover key inspection tips and common red flags to watch out for to avoid costly surprises. Stay ahead in the home-buying process and make informed decisions every step of t...
Great book, try to accomplish your goals in 1/4
Переглядів 428 днів тому
Great book, try to accomplish your goals in 1/4
The last 2 years have been the toughest. But the next 2 are going to be fantastic. Let's do business
Переглядів 6Місяць тому
The last 2 years have been the toughest. But the next 2 are going to be fantastic. Let's do business
Why Separation Agreements Matter for Your Mortgage
Переглядів 15Місяць тому
Are you navigating the complexities of obtaining a mortgage after a separation? In this episode, we explore the critical role of separation agreements in the mortgage process. Understanding how these agreements can affect your mortgage eligibility is essential for anyone looking to secure a new home while dealing with separation or divorce. We discuss the key components of a separation agreemen...
Government tries to loosen the mortgage rules to stimulate more demand.
Переглядів 11Місяць тому
Government tries to loosen the mortgage rules to stimulate more demand.
How can we can keep your payment low and get you the best interest rate.
Переглядів 112 місяці тому
How can we can keep your payment low and get you the best interest rate.
with current market trends, variable rate mortgages are becoming more popular. do we know the diff
Переглядів 92 місяці тому
It's important to understand the difference between a variable rate and adjustable rate mortgage.
Variable Rate, should you hang on ?
Переглядів 192 місяці тому
Prime is coming down and looking like it is going to continue to come down even further. So if you have held out this long you may as well ride the wave downwards for as long as possible.
Make sure your clients waiting to close do this, it's the perfect storm right now.
Переглядів 52 місяці тому
The bank of Canada cut rates again and prime is going down another quarter point. Bond yields have come down as well and this means there is some room down for lenders and rates. But you have to contact them to see if you can get a float down, they aren't going to call you to let you know. Honus is on you.
Projected Income from Rental Suite that has not been built yet ?
Переглядів 92 місяці тому
We have a niche product with a lender that will consider using income from a to be constructed suite to help towards the debt servicing. It is soemthing that was quite common a few years ago but banks stopped doing it widely and this come back is a huge advantage for some borrowers who might not otherwise qualify for the home they want.
Delaying Gratification is a Skill That Most Successful People Have Mastered- but is it always the an
Переглядів 112 місяці тому
Delaying Gratification is a Skill That Most Successful People Have Mastered- but is it always the an
Canada's Inflation Game: The Hidden Loop, it's impact on interest rates.
Переглядів 162 місяці тому
Canada's Inflation Game: The Hidden Loop, it's impact on interest rates.
If you had this choice to make, what would you decide ?
Переглядів 122 місяці тому
If you had this choice to make, what would you decide ?
communication is the biggest problem in our industry
Переглядів 32 місяці тому
communication is the biggest problem in our industry
How valuable are these videos? Do you have any questions or problems you have come across that I can
Переглядів 22 місяці тому
How valuable are these videos? Do you have any questions or problems you have come across that I can
One of the proudest moments of my career, one for you saved so much money in a matter of 4 months!
Переглядів 132 місяці тому
One of the proudest moments of my career, one for you saved so much money in a matter of 4 months!
How to leave an impression with your prospect when you're door knocking.
Переглядів 373 місяці тому
How to leave an impression with your prospect when you're door knocking.
Make sure you update your listings with the current information.
Переглядів 194 місяці тому
Make sure you update your listings with the current information.
The power of small things do add up and compound
Переглядів 64 місяці тому
The power of small things do add up and compound
This is why you should be paying attention to your clients mortgage renewals.
Переглядів 134 місяці тому
This is why you should be paying attention to your clients mortgage renewals.
If you're thinking about buying right now but considering waiting until rates come down further
Переглядів 184 місяці тому
If you're thinking about buying right now but considering waiting until rates come down further
Should you wait for interest rates to come down or should you buy now ?Let's do the math
Переглядів 334 місяці тому
Should you wait for interest rates to come down or should you buy now ?Let's do the math
Co-buying with a friend or extended family member, how does this work ?
Переглядів 314 місяці тому
Co-buying with a friend or extended family member, how does this work ?
There's a reason why I tell you to set up an automatic transfer to your savings.
Переглядів 234 місяці тому
There's a reason why I tell you to set up an automatic transfer to your savings.
Cash back mortgage offers, are they too good to be true ?
Переглядів 224 місяці тому
Cash back mortgage offers, are they too good to be true ?
I'm seeing this becoming a problem lately, when prices are adjusted or credits on purchases
Переглядів 184 місяці тому
I'm seeing this becoming a problem lately, when prices are adjusted or credits on purchases
Realtor friends here is what the rate cut means to you and your clients.
Переглядів 65 місяців тому
Realtor friends here is what the rate cut means to you and your clients.
June rate cut, Let's not lose sight of some facts
Переглядів 65 місяців тому
June rate cut, Let's not lose sight of some facts
For a FREE consultation with no commitment or question on reverse mortgages please contact me on +1 (778) 996-7283
For a FREE consultation with no commitment or question on reverse mortgages please contact me on +1 (778) 996-7283
most brokers are giving the wrong info !
The debt to income ratio of 165% is way too 'optimistic', it's closer to 600% in reality.
I feel for those with mortgages. Im free from that slavery just this year. Just in time. First real estate will crash, then interest rates go up, banks call in loans , imagine that.
All my friends who own homes say real estate will never go down lol. They also only gave 5% down payment and are are deeply in debt besides their mortgage. This madness has to stop.
Wait 'til this July the 12th and you'll see a lot of browned backsides of pants.
A house of cards will always come tumbling down!
This is such garbage....Please explain where people with a lot of money should be putting their cash??? Lets here where you would put it and explain why that is better.
I've been selling stocks short since around 1984. The 64 thousand dollar question is when are the bankers going to crash the stock market or do nothing and let the stock market crash. The crash should rival or be worse than the '29 crash. Long term there's no better investment than Gold bars gold coins silver bars silver coins and platinum certificates. I'm short Canlan Ice Sports Corporation. They pay about a 2 percent dividend that I cover.
Real Estate is better. You can have income forever by renting it out. Gold and Silver can never do that.
just noticed this is a republished article from 2015. how long will the analysts keep saying same thing with nothing materializing. it is 2017 and house prices are on the rise again in this season. this is one tough bubble. it is more than one factor. talking about debt and interest and you are missing half the story, how about cash buyers both foreign and domestic (don't forget baby boomers or their estate who have paid off their mortgages 30 years ago and now made an easy .5-1mil selling their property)
Ilia P good question, how long will analysts keep saying the same thing ? there are analysts on both sides, the ones that believe that real estate prices are going to continue to climb infinitely . I do know one thing for certain, the average household income in lower mainland is about 70-75k....the recent changes to the mortgage rules has impacted a number of people, their affordability going down about 25 percent as a result.... how is a regular old house going for 1.4 million in coquitlam..... when a nicer house almost twice the size is 500k in Alberta?
i do not disagree. all indicators show it to be a unrealistic for regular household, and something got to give. or does it, as this is really the question. it is unapproachable for people going into housing market for the first time, but those already in it and cash buyers are not effected, and plenty of those buyers to drive it up. otherwise what explains the gigantic jump in 2017, just a season after Vancouver implemented changes. there is more at play than regular household who relies on mortgages. as i said cash buyers, including people upgrading and investing (are unaffected as everything is up buying and selling). just my reply after going through a ton of similar videos, yet read earlier about 33% increase year over year in 2017. still searching for the answer is all i'm saying.
Isn't it disgusting that it took China to stop the outflow of money? Canadian politicians and real estate people were happy to keep laundering proceeds from crime and manufacturing operations built on slave labor that would have been considered criminal enterprises under North American labor and environmental regulations.
Once they implement the foreigners tax and investors tax this week, all down hill.............finally!!
lu. ca. The foreign tax is a drop in the bucket. China's capital controls will trigger the start of the fall. Thank Christ. How are all these Chinese money launderers going to pay their $2 million mortgages on their tiny Markham condos when they can't smuggle any more dirty money into the country? You can't become a manufacturing millionaire when you can't access a massive army of peasant slaves.
I bet by fall you will see for sale signs on every other house.
I just want to see "Under the power of sale" signs on lawns. Its been a long, long time in Ontario.
Everybody says its not going down but might plateau. I live in Barrie, 45 minutes north of Barrie. Not one person believes the price of home will only go up.
Wait 'til this July the 12th and you'll see a lot of browned backsides of pants.
Can't hardly wait.Lol
I am going to have to disagree with this video.... Firstly, demand currently surpasses supply in Canada's big cities because population increase and migration to Canada. Secondly, in terms of compirason of the American housing, Canada is cheaper. Thirdly, the Canadian dollar depression has made Canadian real estate an attractive investment. Fourthly, major Canadian cities are becoming international tourist destination, in which people are buying housing for short term rental income like Airbnb. And lastly, it will never crash like the way it did in us because Canadian banks and govt has had much more stricter rules.
www.theglobeandmail.com/real-estate/toronto/demand-fuels-toronto-house-prices-not-lack-of-supply-study-finds/article34279980/
betterdwelling.com/city/toronto/toronto-has-over-99000-unoccupied-homes-heres-where-they-are-interactive/ Check out Vaughn, 35% vacancy.
business.financialpost.com/investing/trading-desk/td-downgraded-by-analysts-on-reports-of-aggressive-employee-sales-tactics Sounds fairly similar to Bank of America tactics....
kataher, there is lots of supply!!! Its only that the foreigners are buying them up in a day. In my area alone there are average 10 homes for sale dailyand condos and towns built everywhere. The government is only going by stats we see what is really happening. Foreigners tax all the way!!!!
I live in Vaughan and prices have increased 73% in less than 1 year. Government say 27% so not true!!!!
Some specialist.. the money gps guy who saw the bubble bursting in 2009, 10, 11, 12, 13, 14, 15, 16, 17......
Tudval Stone I just thought that it was an interesting position, same stuff has been repeated for the last two years and then some....
YOU'RE ABSOLUTELY CORRECT, ALEEM. I LIVE IN SYDNEY, AUSTRALIA AND WE HAVE EXACTLY THE SAME PROBLEMS CONVINCING PEOPLE THAT "NO TREE GROWS TO THE SKY". HOWEVER, EMOTIONS WILL ALWAYS OVERRULE COMMON SENSE SO MILLIONS OF PEOPLE WILL HAVE TO LEARN THE HARD WAY, EVEN THOUGH THEY'VE SEES WHAT'S HAPPENED IN ALL THE OTHER PLACES WHERE HOUSING TANKED AND LEFT A TRAIL OF DESTRUCTION. ON TOP OF THAT, CHINA IS GETTING REALLY SERIOUS ABOUT MONEY LEAVING THEIR COUNTRY SO SEVERE RESTRICTIONS ON OUTFLOWS AND WORSE STILL, ORDERS OF REPATRIATION, WILL SIMPLY DECIMATE CITIES WHERE THEIR PURCHASES HAD PUSHED UP HOUSING THROUGH THE ROOF.
Oil prices will never go down! lol
teebrron people are living longer and the time to make family is short, time is running out so fast, majority of people under 40 have no saving because most of their money going to mortgages or rent
plz explain in practical way difficult to under stand figure orally ... sory bt tru..