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Send us Fan Mail Schedule a call: http://www.calendly.com/alexpangmortgage Welcome to episode 107 of the Canadian Mortgage Show. With Alex Pang currently away on vacation, Alex Shanks hosts this episode solo alongside special guest Justin White. Justin brings 30 years of business experience to the table as a real estate investor, trainer with Tony Robbins, and the founder of High Tide Real Estate Group Justin's early entry into the real estate market, purchasing a four-bedroom home on acreage at age 23 for $179,000.    The psychological hurdles of business ownership. Justin discusses breaking the habit of people-pleasing and learning to say no to free up valuable time.    The changing economic landscape for Canadian homebuyers. We discuss how families are actively downsizing from large homes to manage rising daily living expenses.   Why first-time homebuyers need to drop their ego. Justin and Alex break down why using a co-signer is a smart strategy to get into the market sooner.    The unfiltered reality of moving to Vancouver Island and the Comox Valley. Justin balances the appeal of the outdoor lifestyle against dreary winters and increasing local traffic.  The impact of the 2023 Airbnb law changes on short-term rental investors. Justin shares how these regulations left furnished investment properties sitting empty and how investors are pivoting.   The absolute necessity of working with transparent real estate advisors.  We discuss why the home buying process should provide clarity instead of high-pressure, car-dealership sales tactics. 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/

Send us Fan Mail Schedule a call:  http://www.calendly.com/alexpangmortgage  In Episode 106 of The Canadian Mortgage Show, Alex and Alex break down the staggering $12.3 billion in Canadian foreign aid sent overseas while domestic crises are left unfunded. The hosts question the lack of parliamentary oversight on a 100-year agreement with Ukraine and the logic of funneling billions through a World Bank that recently lost track of $41 billion. With everyday citizens facing soaring rent and grocery prices, the episode explores how that same $12.3 billion could provide $2.2 million to 5,000 local food banks across the country. Tune in to hear why it might be time for Canada to secure its own house and solve local water and food shortages before acting as the world's benefactor. 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/

Send us Fan Mail Schedule a call: http://www.calendly.com/alexpangmortgage In Episode 105 of the Canadian Mortgage Show, Alex Pang and Alex Shanks break down the latest surge in bond yields and explain why fixed rates are creeping up toward 4.75%. With the spread between fixed and variable rates widening, the hosts run the math on a $500,000 mortgage to help you weigh the risks and rewards of your next renewal.  They also dive into the latest Canadian real estate and economic news, discussing rising mortgage delinquency rates in Ontario, how condo affordability has returned to pre-pandemic levels in major markets, and a shocking proposed 20% property tax hike in Calgary. Plus, they touch on the latest Canadian job market data, the impact of US tariffs on local businesses, and shifting global demographics. 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/

Send us Fan Mail Schedule a call: http://www.calendly.com/alexpangmortgage Canada’s economy just posted a surprising 3.3% annualized GDP growth in Q2—reversing recession fears and pushing Q1 back into positive territory. But is this genuine economic expansion, or is the government simply propping up the numbers with massive debt spending?  In Episode 104 of The Canadian Mortgage Show, Alex Pang and Alex Shanks unpack the truth behind Canada’s latest GDP numbers and explore why this "growth" could actually force fixed mortgage rates higher. They dive deep into the fine line between real private investment and state-funded GDP inflation, questioning what happens when the debt runs out. 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/

Send us Fan Mail Schedule a call: http://www.calendly.com/alexpangmortgage Welcome to episode 103 of The Canadian Mortgage Show with Alex Pang and Alex Shanks.  This week, we break down the collapsed trade talks and Canada's plan to impose dollar-for-dollar retaliatory tariffs on US goods starting September 8th.  We analyze new reports from RBC and BMO suggesting that home prices have likely bottomed out in the hardest-hit markets, even though a full recovery could still be two years away. We also explore why Canada's homeownership rates sit around 65% to 69%, while developed European countries like Switzerland and Germany boast much larger renter populations.   Finally, we discuss the life sentence handed down to the Evergrande Group founder in China and what Canada could learn about cracking down on white-collar real estate fraud. Don't forget to hit the subscribe button to help us reach our goal of 1,000 followers on YouTube and Spotify. 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/

Send us Fan Mail Schedule a call:  http://www.calendly.com/alexpangmortgage Welcome back to Episode 102 of The Canadian Mortgage Show! This week, Alex Shanks and Alex Pang break down the massive shifts happening in the Canadian real estate market and economy. From the age-old debate of choosing a fixed versus variable rate mortgage based on your risk tolerance, to shocking new economic policies, we cover exactly how this affects your wallet. In this episode, we discuss: Why July's CPI increased to 3% and grocery inflation continues to surge at 3.1%. The strategic debate between 3-year fixed and 5-year variable mortgage rates. Why single-family home construction in Ontario has completely fallen off a cliff while multi-family permits shoot up. Nova Scotia’s new program offering 0% tax on the first $50,000 earned for trades workers, film production crews, and nurses under 30. Mark Carney’s massive $70 billion clean energy investment in Newfoundland. The scrapping of the federal EV mandate and the looming threat of Trump's 50% tariff on Canada. Make sure to hit follow and subscribe to help us reach 1,000 followers on YouTube and Spotify—if we hit our goal, Alex Shanks is going surfing in a thong! 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/

Send us Fan Mail Schedule a call:  http://www.calendly.com/alexpangmortgage 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. 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/

Send us Fan Mail Schedule a call:  http://www.calendly.com/alexpangmortgage 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 Canadians trying to buy a home, the past 100 episodes have covered a lot. The Alexes also revisit some of their biggest predictions—what they got right, what they got wrong, and why nobody has a crystal ball when it comes to interest rates and real estate. They answer listener questions, talk about the future of the podcast, and reflect on why they continue to do the show: to cut through the BS, have honest conversations, and help Canadians better understand mortgages and real estate. Here's to the first 100. And here's to the next 100. Thanks for being part of the journey. 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/

Send us Fan Mail Schedule a call:  http://www.calendly.com/alexpangmortgage 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 exempted (energy, potash, critical minerals). * **Interprovincial Trade Barriers:** In response to U.S. trade pressure, Canadian provinces are finally removing internal red tape to allow direct-to-consumer sales for brewers and distillers. Is this a step forward or a sign of low expectations? * **Real Estate & Housing Trends:** Toronto new home prices plunged over 10% in just 30 days. Meanwhile, Canada is seeing record-high rental apartment construction alongside record-low single-family home developments. * **Alberta's Job Growth Engine:** Alberta is currently driving national employment, accounting for the vast majority of Canada's net job growth since late 2024 (4.2% growth vs. 0.5% across the rest of Canada). * **Energy Sector Wins:** FortisBC clears a major regulatory hurdle for its $2B+ Tilbury LNG expansion in Metro Vancouver, paving the way for potential First Nation equity ownership with the Musqueam Indian Band. * **Cost of Living Crisis:** A new survey from Agriculture Canada shows 1 in 5 Canadians have skipped meals in the past six months, while nearly half are buying less meat, dairy, and produce due to skyrocketing prices. * **Government Spending Under Scrutiny:** We examine a controversial $130M Global Affairs program that handed out free motorbikes in Ghana—which stalled after funding failed to cover fuel and maintenance—alongside Mark Carney’s newly announced $1B federal investment in national sports infrastructure. --- ### 🌐 Episode Resources & Related Posts: * Regional Tariff Exposure Breakdown: https://x.com/i/status/2079656063096467827 * Toronto Real Estate Crash Data: https://x.com/i/status/2082070692057563326 * Single-Family vs. Rental Apartment Starts: https://x.com/i/status/2082170755408949257 * Alberta Job Creation Numbers: https://x.com/i/status/2081505913203204534 * Agriculture Canada Food Affordability Survey: https://x.com/i/status/2082037061574385876 --- **Enjoying the show?** Please leave a 5-star review on Apple Podcasts or Spotify, and share this episode with a friend! 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/

Send us Fan Mail Schedule a call: http://www.calendly.com/alexpangmortgage 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 Trans Mountain pipeline expansion's $34 billion price tag, the truth behind West Coast tanker bans, and why Indigenous equity ownership is the secret to getting mega-projects built. Whether you are investing in real estate, energy, or just want to understand the Canadian economy, this is a must-watch episode. 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/

Send us Fan Mail Schedule a call:  http://www.calendly.com/alexpangmortgage 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: The Bank of Canada's recent decision to hold interest rates and why your variable rate shouldn't be a source of panic. June's inflation data easing to 2.8% thanks to a 10% drop in gas prices. Why the Bank of Canada predicts housing will be a severe negative contributor to GDP growth in 2026. The reality of the rental market: Alex Pang shares his personal experience dropping his basement rent from $1,600 to $1,350 after two months of vacancy. A new KPMG study revealing that 40% of Canadian manufacturers are considering moving production to the U.S. due to taxes and tariffs. The geopolitical ripple effects: Canada awards a submarine contract to Germany, leading Korea's Hyundai to cancel a $3.1 billion hydrogen project in Canada. The arrival of Chinese EVs in Canada, ranging from premium $119,000 Lotus SUVs to budget $35,000 Dongfeng commuters. Major Canadian media layoffs as Rogers shuts down radio stations across the country. Compliance crackdowns: A BC mortgage broker faces $55,000 in penalties, and RBC is fined $4.25 million for consumer violations Join the Community: Help us reach 1,000 followers! Hit that subscribe button on YouTube and Spotify. Have questions about your own mortgage, refinancing, or renewing? We are always happy to help. Send us an email at [email protected].

Send us Fan Mail *Schedule a call:* http://www.calendly.com/alexpangmortgage  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 housing market data and where prices are still rising. • Why breaking your mortgage early could save you thousands of dollars. • Interest rate expectations and what borrowers should watch over the coming months. If you're a homeowner, investor, first-time buyer, or simply trying to understand where Canada's economy is heading, this episode is packed with practical insights and honest discussion. Subscribe for weekly Canadian housing, mortgage, and economic updates. 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/

Send us Fan Mail Schedule a call http://www.calendly.com/alexpangmortgage 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 unsold condos, and why today's policies could create another housing shortage just a few years from now. The conversation also covers: • Why new housing construction is slowing • Interest rate outlook and Bank of Canada expectations • Canada's economic recovery • Pipeline investments and economic growth • AI, productivity, and the future of jobs • Where Vancouver and Toronto real estate could be headed next Whether you're a homeowner, investor, realtor, or simply trying to understand Canada's rapidly changing housing market, this episode breaks down the facts behind the headlines. Subscribe for weekly conversations on Canadian real estate, mortgages, economics, and housing policy.

Send us Fan Mail Schedule a call: http://www.calendly.com/alexpangmortgage 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 housing market data and where prices are still rising. • Why breaking your mortgage early could save you thousands of dollars. • Interest rate expectations and what borrowers should watch over the coming months. If you're a homeowner, investor, first-time buyer, or simply trying to understand where Canada's economy is heading, this episode is packed with practical insights and honest discussion. Subscribe for weekly Canadian housing, mortgage, and economic updates. 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/

Send us Fan Mail Schedule a call: http://www.calendly.com/alexpangmortgage 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-surveillance legislation, mortgage-rate expectations, and the rising cost of delayed infrastructure projects like the Massey Tunnel replacement. Plus: World Cup excitement, Canada’s huge win, and why the country needs a more balanced approach to immigration, affordability, and growth. Subscribe to The Canadian Mortgage Show for weekly conversations on mortgages, housing, affordability, real estate, and the policies shaping 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/