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Episode 65: Why Canada’s Housing “Fix” Is Broken

Send us a text 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. Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/ Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/ Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Episode 64: Why Canadian Mortgages Almost Never Default (But Everything Else Is Cracking)

Send us a text 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. Banks vs Brokers: Big 6 banks are suddenly SUPER competitive on renewals – and how brokers can still use that to your advantage. Affordability crisis: Mortgage payments now exceed 50% of after-tax income in every Ontario urban centre – and hit 112% in Vancouver and 110% in Toronto. Purpose-built rentals vs presales: Why developers are converting unsold presale condos into rentals and what that means for renters, investors, and first-time buyers. Oligopolies & productivity: How telecom, food, and banking oligopolies trap Canada in a “low productivity” loop – and why that matters for rates and housing. Developers under stress: Project cancellations, conversions to rentals, and big names like Westbank showing cracks. Job losses: Canada Post effectively insolvent and cutting 30,000 jobs, Bell laying off 700 more – and how that feeds into recession risk and rate cuts. Immigration & brain drain: Highly skilled immigrants are starting to leave Canada for better pay and opportunity elsewhere. Wild true crime closer: A former Canadian Olympic snowboarder turned alleged cartel-linked drug kingpin now on the FBI’s Top 10 list. If you’re a homeowner, first-time buyer, investor, or just trying to survive this economy, this episode will help you see the bigger picture and make smarter moves with your mortgage, your debt, and your future in Canada. 📩 Need mortgage advice or renewal help?Reach out to Alex & Alex through the links in the description / show notes. 👍 Like, subscribe, and share this episode with someone stressing about housing or debt in Canada. Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/ Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/ Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/

Episode 63: Banks Holding Rates, Land Claims Growing, Developers Failing – What Now for Homeowners?

Send us a text 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 concert tickets. In this episode: October jobs report & 6.9% unemployment Inflation easing and what it means for Bank of Canada rate cuts Why Scotiabank thinks rates could rise again in 2026 How Blue Jays mania and Taylor Swift concerts show up in spending data Creative accounting in the federal budget and PBO pushback Questrade’s new bank & Home Trust re-entering prime lending Land claims in Richmond & Ontario and what lenders are actually doing B.C. developer Square Nine’s insolvency & presale risks U.S. 50-year mortgage talk and if that’s coming here Podcast Social Links:Website: https://canadianmortgageshow.com/Instagram: https://www.instagram.com/canadianmortgageshow/Facebook: https://www.facebook.com/canadianmortgageshow/ Follow Our Hosts:Alex Pang Tiktok: https://www.tiktok.com/@alexpangmortgage/Instagram: https://www.instagram.com/alexpangmortgage/ Alex Shanks Tiktok: https://www.tiktok.com/@mortgagemanagement/Instagram: https://www.instagram.com/alexshanksmortgagemanagement/