The Canadian Mortgage Show
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!
Canada Immigration Fraud Exposed: The Private College Playbook | Episode 101
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In Episode 101, Alex Pang and Alex Shanks pull back the curtain on the hidden racket fueling Canada's private college system. From overseas puppet masters and fake receipt traps to work permit loopholes and OSAP exploitation, we break down the step-by-step playbook behind the diploma mill scam.
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Milestone Episode: After 100 Episodes, Here’s What We Really Think | Episode 100
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We made it to 100 episodes!
For Episode 100 of The Canadian Mortgage Show, Alex Pang and Alex Shanks take a break from the usual format to look back at how it all started, how the show evolved, and what they've learned along the way.
From their rough first episode and early days on social media to conversations with major guests, changing interest rates, COVID-era mortgage decisions, real estate investing, the BC condo bailout, and the challenges facing younger C...
Hockey Skates to Wine: How Trump’s New 50% Tariffs Hit Everyday Canadian Exports | Episode 99
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In today's episode, we break down the latest economic developments sweeping across Canada—from major trade disruptions to real estate shifts and government spending controversies.
### 📊 Key Topics Covered:
* **50% U.S. Tariffs Take Effect August 19:** Donald Trump announces a 50% tariff on a broad range of Canadian goods, citing retaliatory claims over Canadian policies on alcohol, dairy quotas, and motor vehicles. We discuss which industries are hardest hit (consumer goods, machinery, building materials) and which key sectors are exempt...
Trans Mountain, Nuclear Power & Meta’s Data Centers | Episode 98
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Will Canada's energy sector bounce back, or are bad policies holding us back?
In episode 98 of The Canadian Mortgage Show, Alex Pang and Alex Shanks sit down with Heather Exner-Pirot, Senior Fellow at the Macdonald-Laurier Institute and policy expert. We unpack the massive shifts happening in Canada's economy right now—from the controversial push for Chinese EVs killing the Ontario auto sector to Meta's shocking $13 billion investment into Alberta AI data centers. Heather also breaks down the reality of the...
The Reality of the Rental Market in Canada 2026 | Episode 97
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Welcome to Episode 97 of The Canadian Mortgage Show!
Hosts Alex Pang and Alex Shanks are back to break down the biggest news hitting the Canadian economy and real estate market this week. Whether you are a homeowner, an investor, or just trying to navigate the wild world of Canadian finance, we have you covered.
In this episode, we discuss:
Is Canada Finally Getting Back on Track? | Episode 96
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Canada's housing market is at another turning point.
This week, Alex Pang and Alex Shanks break down the controversial BC condo bailout and why critics from both sides of the political spectrum are pushing back. Is this really an affordable housing initiative—or a taxpayer-funded rescue for developers?
They also discuss:
• The economics behind the FIFA World Cup and whether hosting actually benefits Canada.
• Rising inflation and why grocery bills continue to climb.
• The latest Canadian...
Why BC's Housing Intervention Could Backfire | Episode 95
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Is BC really bailing out condo developers?
In Episode 95 of The Canadian Mortgage Show, hosts Alex Pang and Alex Shanks are joined by BC Real Estate Association Chief Economist Brendon Ogmundson to unpack the controversy surrounding BC's proposed $1.5 billion condo program.
Was this really a developer bailout—or was the story completely misunderstood?
They discuss why developers say they never asked for the program, what is actually causing Canada's housing slowdown, the growing inventory of un...
Billion Dollar Housing Bailout Nobody Asked For | Episode 94
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Canada's housing market is at another turning point.
This week, Alex Pang and Alex Shanks break down the controversial BC condo bailout and why critics from both sides of the political spectrum are pushing back. Is this really an affordable housing initiative—or a taxpayer-funded rescue for developers?
They also discuss:
• The economics behind the FIFA World Cup and whether hosting actually benefits Canada.
• Rising inflation and why grocery bills continue to climb.
• The late...
Canada’s Population Is Falling — What Happens Next? | Episode 93
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Canada’s population is declining for the third straight quarter—and the implications could be much bigger than most people realize.
In Episode 93, Alex Pang and Alex Shanks break down what a shrinking population, collapsing birth rates, and sharply reduced immigration could mean for Canada’s housing market, workforce, schools, pensions, and long-term economic growth.
They also discuss B.C.’s plan to buy unsold condos, concerns around government bailouts for developers, Canada’s growing brain drain problem, potential digital-su...
Canada Added Jobs. People Still Left. | Episode 92
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Canada added 88,000 jobs in May and unemployment dropped — but at the same time, a record number of people are leaving the country.
So what’s really happening?
In this episode, Alex Pang and Alex Shanks discuss Canada’s confusing economic signals: stronger-than-expected job numbers, falling rents, frozen interest rates, rising affordability concerns, and growing frustration from Canadians who feel priced out, taxed out, or pushed out.
Is the Canadian economy actually improving? Or are the hea...
Slips Into Recession - What It Means for Housing, Rates & Mortgages | Episode 91
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In Episode 91 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down Canada’s latest economic warning signs as the country enters a technical recession. They discuss what slowing GDP growth, rising unemployment, falling bond yields, and uncertainty around future rate cuts could mean for Canadian homeowners, buyers, and investors.
The episode also dives into the state of housing across Canada, including softening prices in Toronto, slowing sales in Montreal and Vancouver, collapsing pre-sale condo activity, an...
Why Some Homes Sell Fast and Others Sit with Steve Karrasch | Episode 90
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In Episode 90 of The Canadian Mortgage Show, Alex Pang and Alex Shanks sit down with Steve Karrasch, Surrey realtor with Macdonald Realty and co-host of The Tom Storey Show.
Steve breaks down what he is seeing in the Lower Mainland and Greater Vancouver real estate market, including why some properties are still getting multiple offers while others are sitting with no showings.
The conversation also dives into AI in real estate, seller overconfidence, bad pricing...
BC Is Coming After Homebuyers for More Property Transfer Tax | Episode 89
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In Episode 89 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a shocking situation involving a BC homebuyer who purchased a presale property years ago and is now being chased by the Ministry of Finance for additional property transfer tax.
The conversation opens with a surprising story: a client bought during the 2021 to 2022 market peak, paid the required GST and property transfer tax, and years later received a letter from the BC government claiming the property...
Young Canadians Can’t Find Work | Episode 88
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Canada’s mortgage and housing market is getting harder to read.
In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down the latest signs of stress in the Canadian economy, including job losses, rising unemployment, youth job struggles, expensive unsold condos, and the growing uncertainty around mortgage rates.
They also discuss why more borrowers are looking at variable-rate mortgages again, why the 3-year fixed mortgage remains a popular middle ground, an...
Canada Needs Growth Beyond Real Estate | Episode 87
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Canada’s economy has leaned heavily on real estate for years, but what happens when housing can no longer carry the country?
In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down a wide-ranging week of Canadian economic news, including Kelowna’s exemption from BC short-term rental rules, ongoing uncertainty around DRIPA and First Nations policy, and the approval of Enbridge’s $4 billion Sunrise pipeline expansion.
They also discuss why Canada’s dependence on real...
Frozen Rates, Falling Rents, and a Housing Market Reset | Episode 86
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In Episode 86 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down another strange week in Canadian real estate, mortgages, and the economy.
The Bank of Canada is staying in “wait and see” mode, but with inflation pressure, oil prices, war risk, and a slowing economy all colliding at once, the big question is whether rates can really stay frozen for long. The hosts also dig into the GTA pre-sale market hitting historic lows, falling rents, rising rental vacancy, and why landlords and...
Low Down Payments Could Backfire | Episode 85
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Canada’s housing market is shifting again, and this episode breaks down what buyers, homeowners, and investors need to understand right now.
Alex Pang and Alex Shanks discuss the latest political shake-up in Ottawa, the temporary federal fuel tax suspension, slowing BC home sales, First Nations land claim uncertainty, BC’s latest credit downgrade, and how developers are getting creative as pre-sale demand cools.
The biggest takeaway: new builds may start making sense again for some first-time buyers, especially when GST rebates, PTT...
The $30K Down Payment Strategy First-Time Buyers Need to Understand | Episode 85
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Canada’s housing market is shifting again, and this episode breaks down what buyers, homeowners, and investors need to understand right now.
Alex Pang and Alex Shanks discuss the latest political shake-up in Ottawa, the temporary federal fuel tax suspension, slowing BC home sales, First Nations land claim uncertainty, BC’s latest credit downgrade, and how developers are getting creative as pre-sale demand cools.
The biggest takeaway: new builds may start making sense again for some first-time buyers, especially when GST reba...
Canada’s Housing Market Is Not Rebounding | Episode 84
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In Episode 84 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down why Canada’s housing market still feels stuck despite a few signs of movement.
They discuss Ontario’s $8.8B plan to cut municipal development charges, the HST rebate impact on new builds, why some developers may be pocketing the savings, and what this really means for buyers. They also look at weak GTA pricing, falling rents, the disappearance of the mom-and-pop investor, and why buyers in so...
Episode 83: Young Canadians Have It Harder Than Ever
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Episode 83 of The Canadian Mortgage Show welcomes David Chilton, bestselling author of The Wealthy Barber and former Dragon’s Den investor.
In this conversation, David joins Alex Pang and Alex Shanks to talk about why it feels harder than ever for young Canadians to get ahead. They break down the rising cost of living, the pressure of housing prices, why “pay yourself first” still matters, and how social media, credit, and AI are reshaping financial behavior.
They also dig into whether renting can sometimes be smarter than buying, why Canada...
Episode 82: Affordability Keeps Getting Worse in Canada
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AJ Marini joins the show to argue that Canada’s housing problem is no longer just about supply. He says the deeper issue is cost: land, labor, materials, infrastructure, debt, and wages no longer line up. The episode also explores why condos and pre-construction are under pressure, how governments may be missing the real problem, and what AI could mean for jobs and business going forward.
The conversation also expands into inflation, wages, consumer prices, government policy, and how AI could reshape jobs, productivity, and the broader economy.
If...
Episode 81:Home Prices Fell… But Canada Is Still Unaffordable
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In Episode 81 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down why mortgage rates in Canada moved higher again, why rate exceptions are disappearing, and why buyers should not rush into a purchase just to chase a temporary rate hold.
They also unpack Ontario’s expanded HST rebate on new builds, why it likely will not move the needle on affordability, and what it means that Canadian home prices are now negative on a five-year basis for the first time since the 1990s.
Beyond housing, this ep...
Episode 80: Why Fixed Mortgage Rates Are Rising Again in Canada
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The Bank of Canada held rates again, but that does not mean Canadians are in the clear.
In Episode 80 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down why fixed mortgage rates are moving higher anyway, how bond yields and oil prices are changing the outlook, and why the war-driven spike in gas prices could keep pressure on inflation.
They also dig into major Canadian trends that matter right now:
falling inflation and weak economic data
shrinking mortgage discounts from lenders
tipping...
Episode 79: War, Inflation, and Mortgage Rates
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Canada’s mortgage market just got hit with another major warning sign.
In this episode, Alex Pang and Alex Shanks break down the recent spike in bond yields, why fixed mortgage rates may rise again, and how geopolitical tensions are creating a new inflation risk for Canadians. They also discuss why the Bank of Canada may be stuck, the condo appraisal problem, the new GST rebate update for first-time buyers, capped NSF fees, retirement affordability, and fraud issues inside the mortgage industry.
Topics include:
Bond yields spiking ab...
Episode 78: What Canadians Should Do With Their Money Right Now | Scott Grant
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What should Canadians do with their money when markets are shaky, real estate feels uncertain, and global conflict is driving fear?
In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks are joined by senior financial planner Scott Grant to break down how Canadians should think about investing, emergency funds, inheritance, real estate, DIY trading, and estate planning in uncertain times.
This conversation covers:
how war and global instability affect marketswhy staying calm matters when everyone else is panickingemergency funds a...Episode 77: Canada Housing Downturn Is the Steepest Among Major Economies — What Happens Next?
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Episode 77 is a wide-ranging update on Canada’s economy, housing, and mortgage rates — with real talk on what the latest data could mean for buyers, homeowners, and renewals.
We cover:
Canada’s Q4 GDP contraction and what it signals for growth
GTA new home sales: only 268 sold in January — the lowest since 1981
Why fixed mortgage rates have been “leaking lower” (and how to think about locking in)
National Bank: housing affordability improved for 8 straight quarters, but the market is still tough
Canada’s hou...
Episode 76: The Job Search Is Brutal in 2026—And It’s Not Your Fault
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Canada’s inflation headline is cooling—but food inflation is still scorching at 7.3% (highest in the G7), and that changes everything. In Episode 76, Alex Pang and Alex Shanks break down why grocery prices stay elevated, how Canada’s oligopolies shape affordability, and what this means for interest rates, housing, and renters.
We also cover:
Vancouver benchmark prices down 10 straight months
Rental market shifts and falling asking rents
Developers using “price protection” to revive presales
Job market stress: longer time to find work
Demographics: more seniors th...
Episode 75: New Poll Reveals the Truth. Canadians Dreaming of a Home, Doubting Reality.
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In Episode 75 of The Canadian Mortgage Show, we break down new Abacus Data polling that reveals a powerful shift in how Canadians feel about housing.
The desire to own a home is still strong — 70% say they want to own someday. But confidence is collapsing. Only 29% of non-homeowners believe they will ever actually buy one.
We unpack:
• Why housing has become a crisis of confidence
• Who Canadians blame for affordability issues
• Whether government policies match the scale of the problem
• Development charges and their impact on home price...
Episode 74 - AI Is Quietly Reshaping Canada’s Job Market
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In Episode 74 of The Canadian Mortgage Show, we break down why several major banks are forecasting interest rate hikes by 2026 — despite economic data pointing in the opposite direction.
We unpack:
Why RBC, Scotia, and National Bank expect higher rates
Why bond yields, job losses, and weak growth don’t support that view
Vancouver and Toronto home sales sliding sharply
Rising mortgage delinquencies in the GTA
Nova Scotia’s new 2% down payment pilot for first-time buyers
The collapse of house flippi...
Episode 73: Bank of Canada Holds Rates — But the Warning Signs Are Everywhere
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Canada’s economy is sending mixed — and increasingly worrying — signals.
In Episode 73 of The Canadian Mortgage Show, we break down why the Bank of Canada held interest rates at 2.25%, why GDP growth is fading, and why economists are quietly preparing for possible rate cuts later this year.
We cover:
Why holding rates doesn’t mean the economy is healthy
Rising layoffs in manufacturing and auto sectors
How AI-driven job cuts (including 45,000 roles globally) could impact consumers
Why housing affordability remains stuck despite...
Episode 72: Canada’s Housing Market Is Frozen — And the Next Shock Is Coming
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Canada’s housing market looks calm on the surface — but underneath, pressure is quietly building.
In Episode 72 of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down the real data behind falling home prices, collapsing condo development, rising household debt, and why affordability still isn’t improving for most Canadians.
They cover:
Why new condo construction is drying up across the GTA and Metro Vancouver
The truth about mortgage renewal shock and why it wasn’t as bad as predicted
Why renting...
Episode 71: Why Canada Feels Unaffordable Now?
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Canada’s housing market is cooling — but affordability isn’t improving.
In this episode, we break down falling home prices, rising household debt, stagnant wages, and why everyday life still feels harder for Canadians.
#canada
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Episode 70: Canada’s Economy Is Quietly Breaking (Unemployment, Housing, Restaurants)
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Canada’s economy is sending warning signals — and most people are missing them.
In Episode 70 of The Canadian Mortgage Show, we break down:
• Why unemployment jumped faster than expected
• Four straight years of falling home prices in Toronto
• Restaurant closures accelerating across Canada
• Why rate cuts may still be far away
• The growing gap between Canada and the U.S. economy
We also dive into:
• Immigration policy reversals
• The hidden problem behind part-time job growth
• Why Canada’s industrial base is shrinking
• What f...
Episode 69: “Uncertainty Is Now Certainty” — 2026 Housing Outlook
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Happy New Year — and welcome to Episode 69 of The Canadian Mortgage Show. This is our first episode of 2026, and we brought in Hasan Juma (Realtor, Oakwyn Realty) as a guest host to weigh in on the biggest stories shaping Canadian housing right now.
EP 69
In this episode we cover:
Canada considering changes when the foreign buyer ban expires in 2027 (and whether foreign money would even come back)EP 69The rent affordability crisis — including renters spendi...
Episode 68: Population Shrinking + Jobs Drying Up… What Happens Next?
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Canada’s inflation held at 2.2%—but coffee is up 33% and groceries are still squeezing households. We break down whether this is true inflation or price gouging in a market dominated by a few major players.
On housing: November sales dipped, fixed rates have stayed stubborn, and banks are now shrinking variable-rate discounts—a signal worth paying attention to. We also talk about where different regions sit from peak prices, and why inflation-adjusted home values are trending back toward 2017 levels.
Plus: vacancy rates rising in BC (hello renters’ market), job-market pressure...
Episode 67: Bank of Canada Paused… So Why Are Fixed Rates Back Over 4%?
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Bank of Canada held the policy rate at 2.25%—but bond yields jumped and 5-year fixed rates climbed back above 4%. We break down why the latest “strong” jobs data may be seasonal noise (part-time youth jobs + people stopping the job search), what that means for variable vs fixed, and why fear-based mortgage advice is dangerous. Plus: falling rents, rising insolvencies, massive Toronto development charges, foreign capital talk, and a warning for anyone trying to “flip” presales in 2026.
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Episode 66: Canada’s “Good News” Jobs Report Is a Lie
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Canada’s unemployment rate just fell to 6.5% and 54,000 jobs were “added” — but does it actually feel like the economy is improving? In this episode, Alex & Alex break down why they’re calling it Overreaction Friday. They dig into the bond market’s response, what a third of Canadian mortgages renewing in 2026 really means for homeowners, falling condo prices in Vancouver and Toronto, rent trends across Canada, and why more developers are going into creditor protection.
They also cover public sector downsizing, the permanent closure of a major BC pulp mill, Canada’s first free g...
Episode 65: Why Canada’s Housing “Fix” Is Broken
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In episode 65, Alex Pang & Alex Shanks break down the “historic” Alberta–Canada energy agreement, what it actually means for jobs, pipelines and BC, and why Canada keeps pushing investment and talent out of the country. They dig into Nutrien choosing a US port over BC, Nokia’s subsidized Ottawa campus, the Stellantis mess, and why we’re not in a housing crisis so much as a long-running income crisis. The guys finish with the latest on land claims in BC and what that could mean for current and future homeowners.
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Episode 64: Why Canadian Mortgages Almost Never Default (But Everything Else Is Cracking)
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Canadian mortgage delinquency is just 0.23%… but credit cards, HELOCs, Canada Post, Bell, and even developers are cracking under the pressure. In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down what’s REALLY going on behind the “stable” mortgage numbers.
We cover:
CMHC data: Housing starts down 17% and why the promise of 500,000 new homes was never realistic.
Delinquencies: Why Canadian mortgage and HELOC delinquencies are tiny compared to the U.S., but credit cards and lines of credit are quietly surging.
Bank...
Episode 63: Banks Holding Rates, Land Claims Growing, Developers Failing – What Now for Homeowners?
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Canada just dodged a technical recession—but did the Blue Jays’ World Series run actually help save Ontario’s economy? In this episode of The Canadian Mortgage Show, Alex Pang and Alex Shanks break down the latest jobs data, inflation numbers, interest rate forecasts, insolvency news, and even U.S. talk of 50-year mortgages.
They also cover developer failures in B.C., First Nations land claim impacts on financing in Richmond and Ontario, Questrade’s move into banking, Home Trust’s return to “A” lending, and why Canadians are financing everything from phones to...
