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The Toronto real estate market is cooling down, and I’m diving into what that means for buyers and sellers alike. I’m joined by my good friend and expert mortgage broker, Dion Beg, to unpack the latest trends, including 50-year mortgage discussions in the U.S. and how that could impact us here in Canada. We’re also exploring one of the wildest marketing strategies we’ve seen lately: Ontario builders giving away gold bars with home purchases. Is it a brilliant incentive or a desperate gimmick? And what should buyers really be looking out for in this shifting market? I break down the latest stats from the Toronto Regional Real Estate Board, including sales volumes, price drops, and rising inventory. I also share real-world examples of how property values are changing and what it means for your buying or selling strategy. Whether you’re a first-time homebuyer, investor, or just trying to make sense of it all, this episode is packed with valuable insights to help you navigate today’s real estate landscape. Don’t forget to like, comment, and subscribe for more expert insights on the Canadian housing market. Download the Buyers, Sellers and Negotiation Guides here: http://garyamcg.com/guides Gary A. McGowan is a licensed REALTOR® on the Toronto Regional Real Estate Board. Agent Innovation, your ultimate Realtor Support Lead Gen partner! https://www.realtychatter.com/agentin... Weekly Real Estate Podcast about the strange, funny, insightful things that happen as a Realtor and Investor, Link to podcast: http://garyamcg.com/podcast Cool T-Shirts Here: http://www.RealtyChatter.com 10% Discount Code: CHATTER10 Download My Property Proforma Template http://garyamcg.com/yes Let’s have a ZOOM Coffee ☕️ to Grow your Business http://garyamcg.com/coffee http://garyamcgowan.com Follow Gary on Instagram 🤳     / garyamcg   ------- Powered By: ✅ Ecamm Live: http://garyamcg.com/ecamm ✅ Restream: http://garyamcg.com/restream ✅ Royalty Free Music: http://garyamcg.com/music ✅ Tube Buddy, Get One Month Free http://garyamcg.com/tbuddy ✅ Gear I Use: http://garyamcg.com/kit 😎🔥🚀 Thanks for watching!!! ------- DISCLAIMER: This video and description contains affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. But don't worry, it doesn't cost you anything extra 🤙🏼

Hey friends, in this episode I’m back with my good friend and trusted mortgage broker, Dion Beg, to break down Canada’s latest interest rate cut and how it impacts homeowners, buyers, and the real estate market overall. As always, we dive deep into what matters most for you and your financial future. Here’s what we cover: • The latest 0.25% Bank of Canada rate drop and what it means if you’re on a variable mortgage • Why some of you are already seeing savings on your mortgage payments 💸 • Dion’s insight on why variable rates are paying off for many clients right now • Doug Ford’s attention-grabbing World Series ad and the reaction from our U.S. neighbours 🇺🇸 • Big news in Toronto real estate with the Downsview Airport redevelopment and its 63,000 new homes • The rise of prefab homes and whether they’re the solution to our housing crisis • A candid look at the long-term risks of renting vs. owning, especially when it comes to retirement planning If you’re wondering what this all means for your mortgage, your home, or your investment strategy, this episode is packed with practical advice and real talk about where the market is heading. Download the Buyers, Sellers and Negotiation Guides here: http://garyamcg.com/guides Gary A. McGowan is a licensed REALTOR® on the Toronto Regional Real Estate Board. Agent Innovation, your ultimate Realtor Support Lead Gen partner! https://www.realtychatter.com/agentin... Weekly Real Estate Podcast about the strange, funny, insightful things that happen as a Realtor and Investor, Link to podcast: http://garyamcg.com/podcast Cool T-Shirts Here: http://www.RealtyChatter.com 10% Discount Code: CHATTER10 Download My Property Proforma Template http://garyamcg.com/yes Let’s have a ZOOM Coffee ☕️ to Grow your Business http://garyamcg.com/coffee http://garyamcgowan.com Follow Gary on Instagram 🤳     / garyamcg   ------- Powered By: ✅ Ecamm Live: http://garyamcg.com/ecamm ✅ Restream: http://garyamcg.com/restream ✅ Royalty Free Music: http://garyamcg.com/music ✅ Tube Buddy, Get One Month Free http://garyamcg.com/tbuddy ✅ Gear I Use: http://garyamcg.com/kit 😎🔥🚀 Thanks for watching!!! ------- DISCLAIMER: This video and description contains affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. But don't worry, it doesn't cost you anything extra 🤙🏼

In this episode, I sit down with my good friend and trusted mortgage broker, Dion Beg, to talk about one of the most common questions I hear from buyers today: Can you still get a mortgage if you have a low credit score? The answer is yes, and in this conversation we break down how. We cover everything from today’s changing mortgage landscape, layoffs across the lending sector, and how banks and B lenders are reacting to the slowdown in transaction volume. If you’re planning to buy a home, refinance, or consolidate debt, this episode is packed with practical advice. We also dive into private lending and MICs (Mortgage Investment Corporations), a lesser-known but powerful option for those who may not qualify with traditional banks. Plus, Dion shares real strategies for improving your credit score, whether you’re just starting out or rebuilding. Download the Buyers, Sellers and Negotiation Guides here: http://garyamcg.com/guides Gary A. McGowan is a licensed REALTOR® on the Toronto Regional Real Estate Board. Agent Innovation, your ultimate Realtor Support Lead Gen partner! https://www.realtychatter.com/agentin... Weekly Real Estate Podcast about the strange, funny, insightful things that happen as a Realtor and Investor, Link to podcast: http://garyamcg.com/podcast Cool T-Shirts Here: http://www.RealtyChatter.com 10% Discount Code: CHATTER10 Download My Property Proforma Template http://garyamcg.com/yes Let’s have a ZOOM Coffee ☕️ to Grow your Business http://garyamcg.com/coffee http://garyamcgowan.com Follow Gary on Instagram 🤳     / garyamcg   ------- Powered By: ✅ Ecamm Live: http://garyamcg.com/ecamm ✅ Restream: http://garyamcg.com/restream ✅ Royalty Free Music: http://garyamcg.com/music ✅ Tube Buddy, Get One Month Free http://garyamcg.com/tbuddy ✅ Gear I Use: http://garyamcg.com/kit 😎🔥🚀 Thanks for watching!!! ------- DISCLAIMER: This video and description contains affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. But don't worry, it doesn't cost you anything extra 🤙🏼

There’s a lot of misinformation about “power of sale” properties across the GTA. Some say there are over 1,000 listings. In this episode, Gary McGowan sits down with mortgage expert Dion Beg to separate fact from fiction and dive deep into what’s really happening in the Toronto real estate market. What You’ll Learn in This Episode: • The real number of power of sale homes in the GTA (and why the headlines are misleading) • How interest rate drops have reignited buyer confidence across Ontario • Lending and financing challenges when buying acreage properties and rural homes • What banks think about wells, septic systems, and outbuildings • Why appraisals only value part of your land and what that means for your mortgage • How to avoid financial stress and plan ahead for upcoming mortgage renewals Whether you’re a homeowner, investor, realtor, or mortgage professional, this conversation will help you make informed decisions in today’s shifting housing market. Timestamps 00:00 Intro and weather chat 02:00 Market update: purchase deals on the rise 02:52 Buying and selling acreages and what lenders look for 06:45 Wells, septic systems and mortgage implications 12:32 Power of Sale properties explained Download the Buyers, Sellers and Negotiation Guides here: http://garyamcg.com/guides Gary A. McGowan is a licensed REALTOR® on the Toronto Regional Real Estate Board. Agent Innovation, your ultimate Realtor Support Lead Gen partner! https://www.realtychatter.com/agentin... Weekly Real Estate Podcast about the strange, funny, insightful things that happen as a Realtor and Investor, Link to podcast: http://garyamcg.com/podcast Cool T-Shirts Here: http://www.RealtyChatter.com 10% Discount Code: CHATTER10 Download My Property Proforma Template http://garyamcg.com/yes Let’s have a ZOOM Coffee ☕️ to Grow your Business http://garyamcg.com/coffee http://garyamcgowan.com Follow Gary on Instagram 🤳     / garyamcg   ------- Powered By: ✅ Ecamm Live: http://garyamcg.com/ecamm ✅ Restream: http://garyamcg.com/restream ✅ Royalty Free Music: http://garyamcg.com/music ✅ Tube Buddy, Get One Month Free http://garyamcg.com/tbuddy ✅ Gear I Use: http://garyamcg.com/kit 😎🔥🚀 Thanks for watching!!! ------- DISCLAIMER: This video and description contains affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. But don't worry, it doesn't cost you anything extra 🤙🏼

The housing market is shifting fast, with power of sale properties on the rise, changing buyer behavourr, and government pushes for employees to return to the office. In this episode, Gary McGowan sits down with mortgage broker Dion Beg to break down what these trends mean for homeowners, buyers, and investors in the GTA and beyond. What we cover in this video: • The rise of power of sale properties in Ontario and why it matters • How many showings it takes to sell a home in Stouffville right now • Mortgage updates: insured purchases over $1M and new lending realities • The ripple effects of return-to-office policies on commuting, lifestyle, and real estate choices • Why private lenders are driving 80% of new power of sales • What homeowners should know if their mortgage is up for renewal soon Whether you are a buyer, seller, investor, or simply tracking the Canadian housing market, this conversation will give you the insights you need to make smarter real estate and financial decisions. Download the Buyers, Sellers and Negotiation Guides here: http://garyamcg.com/guides Gary A. McGowan is a licensed REALTOR® on the Toronto Regional Real Estate Board. Agent Innovation, your ultimate Realtor Support Lead Gen partner! https://www.realtychatter.com/agentin... Weekly Real Estate Podcast about the strange, funny, insightful things that happen as a Realtor and Investor, Link to podcast: http://garyamcg.com/podcast Cool T-Shirts Here: http://www.RealtyChatter.com 10% Discount Code: CHATTER10 Download My Property Proforma Template http://garyamcg.com/yes Let’s have a ZOOM Coffee ☕️ to Grow your Business http://garyamcg.com/coffee http://garyamcgowan.com Follow Gary on Instagram 🤳     / garyamcg   ------- Powered By: ✅ Ecamm Live: http://garyamcg.com/ecamm ✅ Restream: http://garyamcg.com/restream ✅ Royalty Free Music: http://garyamcg.com/music ✅ Tube Buddy, Get One Month Free http://garyamcg.com/tbuddy ✅ Gear I Use: http://garyamcg.com/kit 😎🔥🚀 Thanks for watching!!! ------- DISCLAIMER: This video and description contains affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. But don't worry, it doesn't cost you anything extra 🤙🏼 #powerofsale #realestateinvestingcanada

The Toronto real estate market is facing a massive challenge: over 16,000 brand new condos remain unsold. What does this mean for buyers, investors, and the future of housing in the GTA? In this episode, Gary McGowan sits down with mortgage broker Dion Beg to break down the numbers, the risks, and the opportunities hidden in today’s market chaos. From falling condo sales to the impact of construction slowdowns, Dion explains why some buyers are running into the burning building while others are sitting on the sidelines. 👉 Topics covered in this video: • Why there are 50 condo towers’ worth of unsold inventory in Toronto • How builders are struggling with pricing due to rising costs • The opportunities for strategic buyers in older condos • Case studies: a 21-year-old’s first purchase & parents buying for their 5-year-old’s future • What history tells us about buying in market downturns • Predictions for 2025 and beyond in the GTA housing market Whether you’re a first-time homebuyer, an investor, or simply following the housing crisis, this conversation provides valuable insights into where Toronto real estate could be heading. 🔑 Key takeaway: In chaos lies opportunity — if you know where to look. #TorontoRealEstate #TorontoCondos #DionBeg #GTAHousing #TorontoHousingMarket #RealEstateInvesting #MortgageBroker #CondosForSale #RealEstate2025 #canadianrealestate Download the Buyers, Sellers and Negotiation Guides here: http://garyamcg.com/guides Gary A. McGowan is a licensed REALTOR® on the Toronto Regional Real Estate Board. Agent Innovation, your ultimate Realtor Support Lead Gen partner! https://www.realtychatter.com/agentin... Weekly Real Estate Podcast about the strange, funny, insightful things that happen as a Realtor and Investor, Link to podcast: http://garyamcg.com/podcast Cool T-Shirts Here: http://www.RealtyChatter.com 10% Discount Code: CHATTER10 Download My Property Proforma Template http://garyamcg.com/yes Let’s have a ZOOM Coffee ☕️ to Grow your Business http://garyamcg.com/coffee http://garyamcgowan.com Follow Gary on Instagram 🤳     / garyamcg   ------- Powered By: ✅ Ecamm Live: http://garyamcg.com/ecamm ✅ Restream: http://garyamcg.com/restream ✅ Royalty Free Music: http://garyamcg.com/music ✅ Tube Buddy, Get One Month Free http://garyamcg.com/tbuddy ✅ Gear I Use: http://garyamcg.com/kit 😎🔥🚀 Thanks for watching!!! ------- DISCLAIMER: This video and description contains affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. But don't worry, it doesn't cost you anything extra 🤙🏼