The Ottawa Real Estate Podcast

Welcome to The Ottawa Real Estate Podcast (TOREP)! Hosted by seasoned Mortgage Agents Paul Stevenson and David Warren, who have been bringing the Ottawa real estate market to life with the podcast for over four years. Whether you’re buying, selling, investing, or just curious, we’re here to share insider tips, untold stories, and plenty of laughs along the way.To our loyal listeners—thank you for your support and for being part of our journey. And to our new listeners—welcome! We’re excited to have you join the conversation. Hit play, stay tuned, and let’s explore the world of real estate together! 🎉

The Ottawa Real Estate Podcast is a business podcast hosted by TOREP, with 250 episodes on record and a Required Pod Score of 80.

TOREP hosts The Ottawa Real Estate Podcast, a business show with 250 episodes published.

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  Episode #276

  Ottawa Home Prices Are Down And Sellers Are Feeling The Pressure

  Sep 30, 202628 min

  Ottawa home prices may be holding relatively steady, but that does not mean the market has bounced back. Buyers are taking their time, sellers are adjusting expectations, and some Ottawa homes are selling for less than their owners paid just a few years ago. This week we have Greg Campbell with us to discuss what he is seeing across Orleans, Barrhaven, Kanata and other Ottawa neighbourhoods, including falling sales volumes, detached home prices, townhouse prices, condo inventory and the growing gap between asking prices and what buyers are actually willing to pay. We also look at why some sellers are choosing not to list at all, how return to work could be shifting demand toward Ottawa's downtown neighbourhoods, and why more complex mortgage files are creating additional challenges for buyers. From self employed income and multiple income sources to unusual down payment situations, lenders are asking more questions and requiring more documentation. 00:13 Intro 00:57 Greg's recent activities and market perspective 01:45 Market mood and seller expectations 03:25 Buyers' and sellers' strategies in a declining market 04:10 Market data and property sale trends in Ottawa 05:31 Ottawa's price stability and neighborhood analysis 07:20 Impact of interest rates and mortgage complexity 08:36 The importance of using knowledgeable Mortgage Brokers 09:41 Consumer confidence and economic outlook 10:10 Predictions for interest rate movements 11:21 Protecting Real Estate Transactions 14:00 Ottawa neighborhood stats and market data 18:05 Market summary and key takeaways 19:37 List to sale price trends and market signals 20:06 Neighborhood migration and market hotspots 21:19 Introduction to secure my offer and mortgage protection 23:12 Details of the deposit bond and its benefits 24:33 Practical application and process of secure my offer 26:23 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2 Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003 https://www.referralmortgages.com Greg Campbell - SecureMyOffer/EXP Realty www.securemyoffer.com IG: https://www.instagram.com/securemyoffer/ Email: greg@tcmgrealty.ca If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages , PaulStevenson.ca , Guertin/Poirier Avocates Lawyers , BIG - Billyard Insurance Group , and A to Z Cleaning Expert.

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  Episode #275

  Mortgage Payments Are Straining Canadians More Than Ever

  Sep 23, 202623 min

  Mortgage payments are putting more pressure on Canadian homeowners, and the latest numbers show just how many borrowers are feeling it. This week we talk about the rise in financial difficulty, what mortgage renewals are actually looking like, and why the biggest challenge may no longer be rate shock but the monthly payment itself. We also look at where mortgage rates are sitting, what the bond market could signal for fixed rates, and how borrowers are adjusting their amortization and payment strategies as they come up for renewal. With more homeowners becoming conscious of their spending, savings, debt, and mortgage payments, we discuss whether this period could ultimately lead to healthier financial habits. We also cover Ontario's new rental rules, including the reduction in the notice period for unpaid rent and what the changes mean for landlords and tenants. 00:00 Introduction to the episode and guest 01:12 Mortgage Protection Explained 04:52 Mortgage Payment Pressure & Rates 10:41 Renewal Planning & Affordability 14:51 Saving, Budgeting & Mortgage Paydown 19:56 Ontario Rental Rule Changes 22:05 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2 Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003 https://www.referralmortgages.com If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages , PaulStevenson.ca , Guertin/Poirier Avocates Lawyers , BIG - Billyard Insurance Group , and A to Z Cleaning Expert.

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  Episode #274

  Mortgage Rates Are Climbing: What You Need to Know Right Now

  Sep 16, 202623 min

  Canadian mortgage rates are moving higher again, while inflation remains stuck at 3% and uncertainty around tariffs continues to weigh on the economy. This week we look at what is pushing fixed mortgage rates higher and why some borrowers who waited for lower rates are now seeing the opposite happen. We break down the latest Canadian inflation numbers, rising bond yields, slower mortgage borrowing, household debt, and what the Canada US trade situation could mean for future interest rates. We also discuss Ottawa real estate, the current buyer’s market, why some properties are still selling quickly, and why trying to time the bottom on mortgage rates can backfire. 00:00 Current Market Overview 02:49 Interest Rates and Economic Impact 05:49 Borrowing Trends and Consumer Sentiment 08:53 Real Estate Market Dynamics 11:40 Future Rate Predictions and Economic Outlook 13:59 Global Economic Comparisons 16:57 Preparing for Rate Changes 20:00 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2 Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003 https://www.referralmortgages.com If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages , PaulStevenson.ca , Guertin/Poirier Avocates Lawyers , BIG - Billyard Insurance Group , and A to Z Cleaning Expert.

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  Episode #273

  Canadian Mortgage Rates Are Rising Again as Ottawa Housing Slows

  Sep 9, 202625 min

  Mortgage rates are rising again while Canada’s economy is sending mixed signals, and Ottawa’s housing market just posted a surprisingly sharp drop in sales. This week we break down the Bank of Canada’s latest rate decision, why inflation, oil prices, tariffs, and weak employment numbers are making future rate cuts harder to predict, and what rising bond yields could mean for fixed mortgage rates. We also look at Ottawa real estate, where August sales fell dramatically even though average home prices remained relatively stable. We also discuss the growing gap between buyers and sellers, rising inventory, the impact of the federal return to work mandate, new construction and the HST rebate, and RBC’s outlook for Canadian housing through 2026 and 2027. 00:00 Introduction and Market Overview 01:00 Bank of Canada Rate Hold 03:21 Jobs, Inflation & Rate Outlook 05:24 Mortgage Rates & Market Pressures 07:06 Tariffs and Inflation Risks 09:32 August Ottawa Housing Market 12:49 Regional Market Comparison 15:28 Return-to-Office Buyer Shift 17:04 New-Build Rebate Update 20:59 National Housing Outlook 23:06 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2 Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003 https://www.referralmortgages.com If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages , PaulStevenson.ca , Guertin/Poirier Avocates Lawyers , BIG - Billyard Insurance Group , and A to Z Cleaning Expert.

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  Episode #272

  Is Your Mortgage at Risk? The Tariff Impact Explained

  Aug 26, 202628 min

  Are you concerned about the impact of tariffs on the Canadian real estate market and your mortgage in Ottawa? As a homeowner or potential buyer in the Ottawa real estate market, it's essential to understand how the recent tariff changes in Canada may affect your mortgage rates and the overall Canadian housing market. The Bank of Canada's decisions on mortgage rates can significantly influence the Ontario housing market, and as an Ontario landlord or tenant, it's crucial to stay informed about the potential changes. The Ottawa housing market is particularly vulnerable to these changes, and understanding the implications of Bill 60 and the Rent Increase Ontario guidelines can help you navigate the Ontario landlord and tenant board. In this video, we'll explore the potential risks to your mortgage and the Canadian economy, discussing how fixed mortgage rates and the Canadian real estate market may be impacted by the tariffs in Canada. 00:00 Introduction to the US-Canada trade tensions 03:03 US Tariffs' Impact On Canadian Economy 04:07 The Impact of US Tariffs On Canadian Mortgage Rates 12:41 Mortgage Rate Decisions in an Uncertain Market 15:34 Ontario Rental Rule Changes 26:33 Mood Boosts Get in touch with us! Paul Stevenson - Mortgage Agent Level 2 CENTUM Financial Services LP Email: paul@paulstevenson.ca Phone: 1-613-263-4543 https://www.paulstevenson.ca David Warren - Mortgage Agent Level 2 Referral Mortgages Email: david@referralmortgages.com Phone: 1-613-686-6003 https://www.referralmortgages.com If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below! New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com Brought to you by Referral Mortgages , PaulStevenson.ca , Guertin/Poirier Avocates Lawyers , BIG - Billyard Insurance Group , and A to Z Cleaning Expert.

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