The Wise Old Owl Podcast

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.

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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/

Is the Canadian housing market actually recovering… or barely surviving? This week, Vince rips off the Band-Aid and breaks down what’s really happening across Canada’s major real estate markets — from Toronto, Vancouver, and Edmonton to Calgary.

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

Canada's Middle Class is Being ERASED — Here's How We Fix It! Toronto, Vancouver, Montreal — cities once full of promise are now becoming unaffordable fortresses for the ultra-rich. The dream of homeownership? Dead for the average Canadian. In this episode of The Wise Old Owl Show, Vince Gaetano breaks down the brutal reality: housing prices are soaring, incomes aren’t keeping up, and the middle class is being pushed out — hard. We’re not just facing a housing crisis — we’re witnessing the collapse of the economic engine that built this country. Nurses, teachers, first responders... they're all being priced out.

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Canada’s Economy Is Stalling — Here’s What You Need to Know! Feeling anxious about the Canadian economy? You’re not alone — and it’s not just a hunch. Consumer confidence just hit record lows, small businesses are struggling, and mortgage renewals are sending shockwaves through households. In this episode of The Wise Old Owl Show, Vince breaks down the key signals you need to know — and what they mean for your finances.

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

The Canadian Housing Market Just Cracked — What’s Coming Next Is Brutal

🚨 The numbers don’t lie — Canada's housing market isn't just cooling, it's breaking wide open. In this episode of The Wise Old Owl Show, we dive deep into TRREB's April Market Watch and expose the real state of real estate in 2025. With home sales plunging 23.3% year-over-year and condo sales tanking over 30%, we’re witnessing one of the sharpest demand collapses in over a decade. Forget “seasonal slowdown” — this is a structural unraveling.

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

This week, Vince explores the wide range of issues plaguing the housing market - primarily, the political factors behind the lack of new housing starts. While Federal Officials make broad claims, Vince uses stats and facts to show the truth behind the lack of new housing. 

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

Canada’s Affordable Housing Plan: 500,000 Homes a Year?! Let’s Get Real.
The Canadian government says we’re going to build 400,000 to 500,000 affordable homes per year—but is that even remotely possible? This week, Vince breaks down the cold, hard facts behind Canada’s housing crisis, from construction slowdowns to labour shortages, zoning nightmares, and political red tape. Spoiler: we’re not even close.

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

Canada is heading to the polls — but this isn't just politics as usual. It's about jobs, mortgages, and whether our economy can survive. With consumer confidence crashing, job losses mounting, and mortgage delinquencies rising across the country, Canadians are asking: Who can lead us out of this economic storm? 

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

Canada’s housing market and economy are flashing red. In this episode of The Wise Old Owl Show, mortgage expert Vince Gaetano breaks down the surge in Toronto mortgage delinquencies, record-low consumer confidence, rising unemployment, and the sharp slowdown in real estate sales. With a Bank of Canada rate cut expected soon, mortgage rates may drop — but the window to act is short. Whether you're a homeowner, first-time buyer, or mortgage broker, this is your essential 2025 market update to protect your finances and plan smart.

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

The April 1st carbon tax reversal by the Canadian federal government is an example of gaslighting 101. After years of defending the carbon tax, Liberal MPs are now celebrating its cancellation. But were they lying then, or are they lying now? This week, Vince dives into the hypocrisy behind the policy flip, the impact on Canadian families, and how this move undermines trust in government and climate action. From broken promises to soaring energy prices, the political fallout of this decision is undeniable.

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

Canadians are facing significant economic challenges, driven by high inflation and growing uncertainty about a potential recession. Despite the Bank of Canada cutting interest rates, prices remain stubbornly high, putting financial pressure on many households. The ongoing tariffs and trade wars are further complicating everyday life and impacting the broader economy. Meanwhile, the federal government's slowdown in immigration and a rise in asylum claims are reducing the number of non-permanent residents, which is having a direct effect on housing demand and the labor market. Ontario is at the forefront of this economic turmoil, with falling home prices, record-high listings...

The Greater Toronto Area (GTA) real estate market is in turmoil, and it’s time to face the reality. Home sales are plummeting, inventory is skyrocketing, and affordability is slipping out of reach for many buyers. In this video, Vince breaks down the cold, hard facts behind the GTA’s real estate decline in March 2025. Whether you're looking to buy, sell, or just stay informed, you won’t want to miss this analysis of the latest trends, stats, and expert insights.

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

Inflation in Canada is hitting hard, reshaping lives, and altering the economy. From skyrocketing costs of essentials like housing, food, and energy to declining consumer confidence, the impact is undeniable. In 2022, inflation peaked over 8%, and it’s still well above the Bank of Canada’s target rate. With inflation at 2.6% in February 2024, Canadians are struggling to meet day-to-day expenses. As the Bank of Canada attempts to manage this crisis with interest rate adjustments, the delicate balance between economic growth and inflation control is at a tipping point. In this video, we break down the real consequences of inflation, why it m...

Canada’s decision to open its doors to uncontrolled immigration was initially aimed at boosting the economy, but it has backfired. Years of mass immigration have led to a severe economic collapse, with a struggling economy, skyrocketing cost of living, and overwhelmed healthcare and employment sectors. The government’s attempt to create a "healthy" economy through immigration has instead created a series of failed policies, and now, with immigration halted and residency harder to attain, Canada’s housing market and rental market are under extreme pressure. In this video, we break down how Canada’s uncontrolled immigration has devastated jobs, he...

This week, Vince breaks down the devastating impact of Donald Trump's trade tariffs on Canada's economy, from plummeting consumer confidence and a 7% drop in the loonie to rising costs of living and falling mortgage rates. With businesses slamming the brakes on investment and housing sales freezing, the country is heading into a recession due to the unpredictability of these tariffs. As the cost of groceries, cars, and imported goods rises, and with interest rates dropping in response to economic panic, Canada faces a financial crisis that’s only getting worse.

For more information, be sure to visit ht...

Housing Market Update! The real estate landscape is changing rapidly, and there’s a lot more happening behind the headlines than you might think. Home sales are down, supply is soaring, and mortgage delinquencies are on the rise—so what does this mean for homeowners, buyers, and investors? 

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

Canada's economy is facing major challenges in 2025, from a weak loonie driving up prices to looming US tariffs threatening key sectors. Inflation is worse than it seems, with temporary HST cuts masking the real cost of living. Meanwhile, slowing population growth is fueling a potential job market slowdown. In this video, we break down how these factors are impacting your wallet and what you can do to protect your finances in the coming years. Stay informed and prepared as we discuss Canada’s financial future. 

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

Canada prides itself on supporting local businesses, boosting our economy, and keeping dollars at home. But there's a major issue hiding in plain sight: buying Canadian products within Canada is ridiculously difficult. From wine in B.C. to dairy from Quebec, outdated regulations and provincial red tape are making it easier for businesses to trade with foreign countries than across provinces.

In this video, we break down how Canada's internal trade barriers are hurting consumers, businesses, and the economy. We expose the bureaucratic madness behind why it's easier for an Ontario company to sell to New York...

The 2025 Canadian federal election is a pivotal moment for Canada. On one side, we have Mark Carney, a global finance expert and former head of the Bank of Canada and Bank of England, now Prime Minister. On the other, Pierre Poilievre, a political veteran and populist, promises change after years of Liberal rule. But what does each candidate's vision mean for Canada’s future? This week, Vince breaks down their economic plans, housing affordability solutions, and approaches to global diplomacy. Carney proposes GST exemptions for first-time homebuyers, while Poilievre focuses on cutting red tape to fast-track housing development. But wi...

This week, Vince dives deep into the serious state of Canada's economy and the growing financial challenges facing Canadians across all age groups. From rising credit card debt to unsecured loans, many Canadians—millennials, seniors, and everyone in between—are feeling the weight of increasing financial burdens. With consumer insolvencies predicted to reach all-time highs in 2025, it's more important than ever to understand the risks and realities of Canada's debt crisis. Stats provided courtesy of Hoyes, Michalos - annual Joe Debter study.

For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
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WFH (Work-From-Home) is causing a growing divide between remote and in-office workers in Canada. As companies push for a return to the office, the impact on employee productivity, work-life balance, and real estate is undeniable. While some thrive with flexible work-from-home (WFH) setups, others face challenges that highlight inequalities in the workforce.

This week, Vince explores how remote work is reshaping industries, the challenges it presents to non-office workers, and what the future holds for hybrid and in-office work models. With insights on how WFH affected housing markets and what businesses must do to retain top talent...

This week, Vince dives deep into the troubling reality of how the Canadian government’s mismanagement of massive infrastructure projects is directly affecting taxpayers. From projects that are over-budget and delayed to funds being improperly allocated, Canadians are feeling the strain. These poorly executed projects are draining resources that could otherwise be used to solve urgent issues, like Canada’s housing crisis. With a severe lack of affordable housing and skyrocketing demand, the country is in desperate need of government investment where it counts.

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

Canadians are worried about job security, mortgage payments, and the state of Canada's economy. In this video, we’re pulling back the curtain on Canada's job market and exposing the reality behind the government’s ‘strong job growth’ headlines. Despite claims of a booming economy, the latest labor reports reveal a troubling truth: unemployment rates in Toronto are the highest in over a decade (outside of the pandemic), and long-term unemployment is surging. Even more alarming? The Labour Force Survey and Payroll Survey are completely contradicting each other, leaving us to question the validity of government reports.

For...

Vince is joined by Ben Rabidoux to discuss the brewing economic turmoil in Canada as we head into 2025. From the struggling job market to alarming real estate projections, growing debt, and population pressures, Canada’s economy faces critical challenges. What does the future hold for the housing market? Will the debt crisis and job market issues push the country toward an economic tipping point? Watch to understand the factors driving the crisis and what it means for Canadian residents and investors.

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

Canada’s economy in 2025 is not doing well. While reports claim job growth and stable spending, the truth is far darker. Missed payments are at the highest rate since 2020, job security is declining, and Canadians are sinking deeper into debt. In this video, we break down the reality of Canada’s financial crisis, highlighting key issues such as rising mortgage payments, a shaky job market, and unsustainable consumer spending driven by credit.

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

The Canadian job market is in crisis—unemployment has hit an all-time high, and Canadians are feeling the impact more than ever. With the economy struggling, there’s a sharp decline in consumer spending and increasing uncertainty due to upcoming mortgage renewals. On top of that, population growth is facing major challenges as immigration pathways tighten and deportations rise.

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

On January 31, 2025, Trump rocked North America’s economic landscape as the U.S. threatened to impose a 25% tariff on Canadian imports. This isn't just another trade dispute—it's the unraveling of a 90-year partnership that’s shaped global markets. From steel to energy to agriculture, industries are bracing for massive impacts. But it's not just businesses at risk—your wallet will feel the sting with skyrocketing prices on everything from cars to groceries.

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