The Wise Old Owl Podcast

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/

Mortgage renewals in Canada are becoming a breaking point — not just financially, but emotionally. For many homeowners, higher payments aren’t just a budget issue. They trigger stress, shame, and sleepless nights — especially when the numbers suddenly stop working at renewal time. This week, Vince challenges the most dangerous advice in today’s market:
the narrative - “Just hang on.” Sometimes waiting makes things worse. Options shrink, interest compounds, and stress builds. Selling, restructuring, or even renting isn’t failure — it’s a financial decision.

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

If you want to know where the economy is really heading, don’t watch headlines — watch delinquencies. In every slowdown, the first warning isn’t layoffs, bankruptcies, or market crashes; it’s quiet, rising missed payments across mortgages, credit cards, and auto loans. This week, Vince explains why delinquencies don’t predict pain but confirm financial stress that’s already happening, why rate cuts often fail to relieve cash-flow pressure, and what always comes next when banks react late and tighten credit. 

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

Confidence in Canada’s housing market can’t be manufactured when employment feels uncertain, debt servicing is rising, savings buffers are thin, and household stress is real. Using real-world examples of mortgage renewals and first-time buyers, Vince breaks down why hesitation — not panic — is the real problem, and why “good numbers on paper” don’t equal financial safety. This isn’t negativity or fear-mongering — it’s math, and until employment confidence improves and debt pressure eases, optimism about 2026 is premature. Watch this before buying, selling, or renewing in Canada’s housing market.

For more information, be sure to visit https://www.ow...

If interest rates were the real problem… rate cuts would have fixed this by now. THEY DIDNT'! Because Canada doesn’t actually have a housing crisis — it has a cashflow crisis… and no one wants to say it out loud. But I WILL. Rate cuts only slow the bleeding. This isn’t about irresponsible spending. It’s about math turning against households. Groceries, childcare, taxes, insurance, utilities, debt payments — these costs don’t get cheaper just because rates dip.

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

Toronto is not “evolving.” It’s breaking. This week, Vince exposes how failed city leadership, reckless spending, and zero accountability have pushed Toronto into visible decline — unsafe streets, unusable transit, exploding homelessness, record food bank use, and nonstop property tax hikes crushing homeowners. City Hall celebrates “progress” while outcomes collapse.

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

What if the housing market isn’t “springing back” — but quietly breaking down? And the only people pretending otherwise… are the ones who need your commission cheque? This week, Vince breaks down why the real estate market in 2026 is NOT rebounding, despite what agents, influencers, and headlines want you to believe. It isn’t fear — it’s fundamentals.

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

The best opportunity for first-time homebuyers in over a decade is happening right now — and almost nobody is talking about it? This isn’t a balanced market. It’s a buyer’s market hiding in plain sight. Prices have retreated, inventory is rising, sellers are under pressure, and qualified first-time buyers now hold real leverage. While most realtors won’t admit it, many sellers — especially those who bought at the peak, renovated on credit, or renewed at higher rates — are hurting and quietly looking for an exit.

For more information, be sure to visit https://www.ow...

Toronto isn’t declining by accident — it’s being mismanaged, and homeowners, renters, and buyers are paying the price. Rising crime, unreliable transit, gridlocked traffic, higher property taxes, and weaker city services aren’t just quality-of-life issues — they directly affect housing affordability, property values, mortgage risk, and long-term economic confidence across the GTA. 

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

Canada is facing a productivity crisis — and the consequences are showing up in your paycheck, your mortgage, and the price of your home. Canada is facing a productivity crisis — and the consequences are showing up in your paycheck, your mortgage, and the price of your home. For more than a decade, our federal strategy has been immigration-first, productivity-last. Instead of investing in innovation, competitiveness, automation, and efficiency, we’ve relied on population growth to prop up GDP... and now the cracks are showing.

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

Canada is NOT “stabilizing.” It’s suffocating... And the new reports from RE/MAX, the media, and even the government are straight-up gaslighting Canadians who are drowning in debt, soaring payments, and now—massive layoffs like Algoma Steel cutting 1,000 workers. What does this mean for Canadian Homeowners and the future of the economy?

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

What if the biggest threat to Canada’s economy isn’t inflation, interest rates, or even the housing crisis… but a government finally admitting the math doesn’t work — while pretending the old tools can still fix it? This week, Vince breaks down Mark Carney’s first federal budget and what it REALLY means for homeowners, buyers, and the future of Canada’s economy.

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

I just did what most Canadians wish they could — I went to Ottawa and spoke directly to the Senate about Canada’s broken housing system. And they listened. This week I share some of the key topics I discussed in front of the Standing Senate Committee on Banking, Commerce and the Economy — a room full of sharp minds trying to untangle the housing mess Canada has engineered over the past 20 years. I opened with what every Canadian already feels: affordability isn’t strained — it’s shattered. I told them: we don’t have a housing supply problem; we have a system desig...

In Canada, the mortgage stress test—brought in to protect homeowners—is now punishing them. It’s hijacked the very foundation of Canadian lending: the Five C’s of Credit (Character, Capacity, Capital, Credit, Collateral). Today, none of that matters. One algorithm decides your future. Welcome to 2025: Where the “Computer says NO.” This week, Vince exposes how the OSFI stress test and Bank of Canada policies are trapping responsible Canadians in Mortgage Jail — forcing them into alternative lenders, higher rates, and costly fees… even when they can afford the payments.

For more information, be sure to visit https://www.owlm...

Canada’s household debt crisis is spiralling out of control — and nobody’s talking about it. With over $2.9 trillion in household debt, Canadians are now spending 17 cents of every dollar just to cover interest. Mortgages are resetting, credit lines are maxed out, and families are suffocating under higher payments.

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

Every mortgage renewal in Canada right now feels like a coin flip — do you lock in for safety or ride the variable and hope rates keep falling. Here’s the truth no one’s telling you: there’s no one-size-fits-all answer. What works for one family could sink another. That’s why strategy matters more than headlines. ]'After eight Bank of Canada rate cuts since 2024, some people are celebrating… but for hundreds of thousands of Canadians, the reality is brutal — renewals at double or triple their old r...

Canada says it’s finally fixing the housing crisis — by building homes like cars.
“Build Canada Homes” is the federal government’s big modular housing plan: faster, cheaper, greener. But can a country buried in red tape really pull it off?

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

Want to know the biggest real scam in Toronto real estate? It’s not greedy developers or foreign investors — it’s your own government. Right now, up to 27% of every new home’s price in the GTA is made up of government charges. That’s not land, not steel, not bricks — it’s bureaucracy. On a million-dollar townhouse, that’s up to $270,000 in fees — and you’re the one paying for it every month through your mortgage. While City Hall talks about “equity” and “justice,” Toronto’s housing market is being strangled by endless red tape, bloated budgets, and pol...

Canada’s Debt Crisis Is Here — And It’s Worse Than You Think. Canadians are drowning in debt — and no one wants to admit it. Household debt in Canada just hit $2.9 trillion, with the debt-to-income ratio soaring to record highs. For every dollar we earn, we owe $1.80. And now, rising interest costs are eating up our paycheques — not groceries, not savings, just interest.

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

What if I told you Canadian banks convinced you to “save” $2 a month… and in return, you gave them hundreds—sometimes thousands—every year? This isn’t about fees. It’s not about interest. It’s about blindness. Banks and credit card companies pushed us into digital statements under the disguise of “going green.” But here’s the truth: it’s not about the environment—it’s about hiding the money dripping out of your account every month. From forgotten streaming services to unused gym memberships, Canadians are losing over $550 a year in recurring charges they don’t even notice. And the banks are prof...

Are Canadian homeowners reaching their breaking point? The latest Bank of Canada rate cut might sound like relief—but for millions of families, it’s too little, too late. Mortgage delinquencies are climbing in Ontario and B.C., consumer debt is piling up, and renewal shock is crushing hardworking Canadians who once believed in the dream of homeownership.

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

Canada is in trouble — and nobody wants to admit it. The Bank of Canada is about to cut interest rates for the 8th time, and while some people are cheering for a “housing rebound,” the truth is much darker. This isn’t a sign of strength. It’s a warning siren for just how weak our economy really is. 

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

Canada’s economy is in crisis mode—and it’s not just inflation or interest rates. It’s productivity. Bank of Canada Deputy Governor Carolyn Rogers just called it a “crisis”—and she’s right. Productivity in Canada is collapsing, the gap with the U.S. is at record highs, and unless we wake up, the fallout will hit jobs, wages, and housing.

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

Canada’s job market just flashed a massive red warning light—and homeowners, buyers, and investors need to pay attention. The August 2025 Labour Force Survey shows 66,000 jobs lost in a single month—107,000 in two months. And it’s not seasonal work disappearing—it’s the backbone of our economy: construction, manufacturing, and retail.

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

STOP! Don’t Buy Your Next Home Before Selling! The old “buy first, sell later” playbook is DEAD in 2025. In today’s market, buying before selling could cost you hundreds of thousands, sleep, and your financial peace.

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

Canada’s “housing boom” is a scam. We’re not building homes for families — we’re building rentals for corporations. In Toronto, over 80% of new builds are purpose-built rentals. CMHC is backing billions for landlords, while first-time buyers are locked out and priced out. This isn’t just bad policy… it’s generational theft. If we keep replacing homeownership with rentals, we’re locking in a future where equity, stability, and the middle class disappear. Here’s why the system is rigged, how it happened, and what’s coming next...

For more information, be sure to visit https://www.owlmortgage...

It’s not just high interest rates or immigration. The real reason homes are unaffordable? Development Charges (DCs) — a quiet, crushing tax adding over $150,000 to new homes. Meanwhile, Montreal builds smarter—with lower costs and fewer fees. This week, Vince breaks down how Toronto’s broken system is killing affordability—and what we need to fix it before it’s too late.

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

Remote work isn’t the future—it might be the downfall. From collapsing downtowns to rising taxes, plummeting transit ridership to AI replacing remote jobs—Canada’s urban economy is on life support. This week, Vince exposes the harsh economic truth no one wants to say out loud: Work-from-home is quietly killing careers, communities, and your property value.  

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

Canada, brace yourself. The Bank of Canada is not cutting interest rates anytime soon — and if you’ve got a mortgage coming up for renewal, the pain is just beginning. Inflation remains stubborn, summer job income is fuelling unnecessary spending, and rate relief is nowhere in sight. This week, Vince breaks down why the Bank of Canada is stuck, how this high interest rate environment is crushing homeowners, small businesses, and the real estate market, and what you can expect in the months ahead.

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

You’ve been LIED TO. Rate cuts? Not happening. Relief? NOT COMING. The 2025 EDGE ANALYTICS REPORT just dropped a BOMBSHELL  and it’s BAD NEWS for anyone with a MORTGAGE, HELOC, or CREDIT CARD DEBT.

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

This week, Vince laces into Toronto's Mayor, Olivia Chow. With sky-high taxes, out-of-control crime, collapsing downtown — is this the "progressive comeback" we were promised? From TTC stabbings to tent cities in parks, Toronto is spiralling… all while the citizens pay record-breaking taxes!

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

Trade wars, Tax chaos & a Mortgage crisis are hitting Canadians hard. May 2025 CPI is out — inflation’s sticky, housing costs are rising, and the Bank of Canada is trapped. This week, Vince breaks down how it’s all crushing your wallet and what to do before rates spike again. Don’t wait!

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

This week, Vince unpacks a bombshell Stats Canada report that exposes the hard truth about Canada's housing market, immigration policy, and what it all means for investors, landlords, and homeowners across Ontario, BC, and beyond.

👉 If you’re banking on rental income… think again.
 👉 If you’re sitting on a pre-construction unit… brace yourself.
 👉 If you thought “real estate always goes up”… welcome to 2025.

If you haven't already, please subscribe to the OwlMortgage Youtube Channel for more informative content!

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

Toronto: a global city with third-world governance. In this episode, I break down one of the most insane examples of civic incompetence you’ll ever hear — the City of Toronto spent $63 million on electric ferries… and forgot to build the charging stations. Yes, this actually happened. And yes — their solution is to run the electric ferries on diesel. You can’t make this up.

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

In this episode, Vince breaks down the real economic state of Canada heading into the second half of 2025 — and it’s not pretty. The Bank of Canada just hit pause, jobs are quietly vanishing, mortgage renewals are looming, and Toronto real estate is flashing red.

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

It’s not the Leafs. It’s not the weather. And it’s NOT immigrants buying up all the homes. Ontario’s real estate disaster is man-made — built on bureaucracy, red tape, NIMBYism, and broken policy. On this episode of The Wise Old Owl Podcast, Vince pulls back the curtain on why homebuilding in Ontario is broken — and how it’s crushing the dream of homeownership for millions of Canadians.

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

The warning signs are no longer subtle — Canada is already in the storm. In this episode, Vince exposes the real economic pressure quietly strangling the Canadian middle class. From rising delinquencies and surging credit card debt to job market instability and a government with no real plan — this is the hard truth the headlines won’t tell you.

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

Are you a Canadian homeowner, homebuyer, or investor wondering what’s really happening with mortgage rates, the Bank of Canada, and the real estate market? With core inflation rising, food prices climbing, and tariffs hitting Canadian industry, this episode of The Wise Old Owl Show cuts through the noise. Vince breaks down what it all means for your mortgage strategy, budget, and financial future in 2025 and beyond.

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

This week, Vince dives into the 2025 CMHC Survey. The survey reveals First-time buyers are drowning in debt. Renewers are hitting a financial wall. Refinancers are pulling equity just to survive. The 2025 CMHC Mortgage Consumer Survey is here—and the results are SHOCKING. From sky-high down payments and emotional stress, to the renewal cliff and risky refinancing trends—this is a mortgage wake-up call for every Canadian. Whether you’re in Toronto, Vancouver, or beyond, this affects YOU.

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