The Real Deal Pod: Allister Carrington & Geoff Lee’s Pro Insights in Real Estate

Welcome to ”The Real Deal Pod,” where industry experts Allister Carrington, founder of Allister Carrington Real Estate, and Geoff Lee from GLM Mortgages join forces to bring you Pro Insights in Real Estate. Join us in insightful conversations about the ever-dynamic real estate market, delve into mortgage rates, and gain valuable knowledge that empowers you in your property journey. Our commitment to authenticity and personalized service shines through as we navigate the intricacies of the real estate landscape. Get ready for an engaging and informative podcast that goes beyond the surface, helping you make informed decisions in the world of real estate. Tune in and stay ahead with Allister Carrington and Geoff Lee – your trusted guides in the real estate realm.

The Real Deal Pod: Allister Carrington & Geoff Lee’s Pro Insights in Real Estate is a business podcast hosted by Unknown Host, with 100 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts The Real Deal Pod: Allister Carrington & Geoff Lee’s Pro Insights in Real Estate, a business show with 100 episodes published.

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  Episode #110

  Ep. 110 — Condo vs Townhouse vs Detached in BC, the CMHC Affordability Report & Why Now Is the Time

  Sep 14, 202638 minS1

  CMHC says Canada needs 4.7 million new homes to restore affordability and is only on track to build half that. So is BC real estate still unaffordable? In Episode 110 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee explain what that report actually means — and why BC is already in one of the most affordable markets in years, right now, today. Then Geoff breaks down the question every BC buyer is really asking: condo, townhouse, or detached — which is right for your life in 5–10 years? Not just for your budget today. What you'll learn: What the CMHC 4.7 million homes report actually means — and why it's a future warning, not today's reality Why BC is already in an affordable market: Abbotsford condos at $320K, ownership often cheaper than renting Condo total correction projected at 8.8% by year-end — and why recovery is expected from mid-2027 into 2028 Why RBC has called the BC market bottom 8 times — and what that tells you about trying to time BC real estate Condo vs townhouse vs detached in BC: the pros, cons, and who each is right for Why the BC townhouse market has been the most consistent segment in the Fraser Valley The missing middle: why townhomes are now attracting investors and first-time families alike How the BC property ladder actually works — condo to townhouse to detached Why buying at three-quarters of the way down beats trying to time the absolute bottom Geoff's personal story: bought his house in 1995, sold in 2021 for $1.4M more than he paid Hosted by Allister Carrington | BC Realtor, KIC Realty Inc | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com

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  Episode #109

  Ep. 109 — Reverse Mortgages Canada Explained: Tax-Free Retirement Income from Your Home Equity

  Sep 9, 20261h 6mS1

  Reverse mortgages in Canada are one of the most misunderstood and underused financial tools available to homeowners 55 and older — and in Episode 109 of The Real Deal Pod, BC mortgage broker Geoff Lee delivers the most practical breakdown of how they actually work, who qualifies, and what they can do for cash-strapped but equity-rich BC homeowners in retirement. A couple bought their Vancouver home in 1985 for $125,000. It's worth $1.9 million today. They're $850 short every month in retirement. They don't want to sell. That's the problem reverse mortgages are designed to solve — and Geoff walks through five real case studies showing exactly how. What you'll learn: What a reverse mortgage in Canada actually is — and what it isn't Who qualifies: 55+, primary residence, home worth $200K+, property taxes current How you receive the funds: lump sum, monthly payments, or on-demand draws of $5,000+ The maximum you can access: up to 55% of your home's equity depending on age, location, and property type The tax question answered: reverse mortgage funds are NOT taxable and do NOT affect CPP, OAS, or GIS The myths busted: the bank does NOT own your home, your children are NOT necessarily losing their inheritance Five real case studies: retiring $850/month short, clearing $165K in debt, gifting a $150K down payment, funding a $80K accessibility renovation, and funding a $400K divorce buyout How home equity is your biggest hidden retirement fund — and why now is the time to understand it Also in this episode: the August 2026 BC real estate stats (softest summer close in years), the Eclipse Condo Crisis legal update (consumer protection law holds against insolvency), and why BC homes are now $163K–$175K below their 2022 peak in real dollars. Hosted by Allister Carrington | BC Realtor, KIC Realty | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com

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  Episode #108

  Ep. 108 — Co-Buying a Home in BC With a Friend or Family Member: Pros, Risks & Exit Strategy

  Sep 1, 202652 minS1

  Co-buying a home in BC — with a friend, sibling, partner, or parent — is one of the most searched strategies for getting into the BC real estate market right now. In Episode 108 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee cover how co-buying a BC mortgage actually works, what the real risks are, and exactly what every co-buyer needs to have in writing before they sign anything. With the average BC home now $175,000 below its 2022 peak and Chilliwack condos back at $290,000–$299,000, BC affordability is the best it's been in nearly a decade. Co-buying is how many first-time buyers in the Fraser Valley and Metro Vancouver are making the math work. What you'll learn: The BC co-buying mortgage basics: how combined income and pooled down payments work with a lender Why both co-buyers' debts matter as much as their income — and the formulas that determine your borrowing power What joint mortgage liability really means: if your co-buyer misses a payment, the lender comes after you for the full amount Why you need a written co-ownership agreement covering payments, expenses, major decisions, and the exit strategy — before you buy The exit questions to answer while everyone is still friends: what if one person wants to sell? What's the buyout process? What if neither qualifies alone? Buying with parents: co-signer vs. co-borrower, and how co-signing affects a parent's own future borrowing power First-time homebuyer privileges in a co-purchase: your PTT exemption, FHSA, and RRSP rights still apply even if your co-buyer isn't a first-time buyer The 4-year rental rule: how to re-qualify as a first-time BC homebuyer after renting BC affordability in real dollars: $175,000 below peak, and why talking in dollars matters more than percentages Vancouver's rise to #9 in North America for tech talent — and what it means for BC real estate demand The Victoria realtor fined $200,000 and suspended by BCFSA for affordable homeownership fraud Canada tariff update: what bank CEOs' Q3 earnings actually say about the economic impact Hosted by Allister Carrington | BC Realtor, KIC Realty | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com

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  Episode #107

  Ep. 107 — Should You Wait for BC Mortgage Rates to Drop? CMHC 2026 Forecast & The Four Rate Buckets Explained

  Aug 21, 202638 minS1

  Should you wait for BC mortgage rates to drop before buying? In Episode 107 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee answer that directly — and explain why the BC mortgage rate you find online is probably not the rate you'd actually qualify for. As of August 21, 2026, the BC mortgage rate range runs from 3.55% to 4.75%. Which end you land on depends on four questions — what you're buying, what you're putting down, what amortization you choose, and whether it's owner-occupied or a rental. Most rate sites, lenders, and even some brokers skip these questions entirely, leaving buyers pre-approved in the wrong bucket with the wrong rate. They also cover the CMHC mid-year 2026 housing forecast, which shows BC and Ontario headed in dramatically different directions — BC housing starts falling toward 2028 while Ontario's resale market is set to jump to around 77,000 sales. Allister explains why Ontario's HST relief drove that gap and why BC's equivalent grant doesn't replicate the math. What you'll learn: • CMHC's mid-year 2026 forecast: BC housing starts falling, Ontario resale surging — and why • Why CMHC cites "high borrowing costs" as a drag — and why Allister and Geoff challenge that framing • The four BC mortgage rate buckets: insured, insurable, uninsurable, and investment • Why there are 20+ possible rates within those buckets — and how to know which one you're in • Why the sub-2% rates people are waiting for required a once-in-200-years pandemic • Canada's inflation at 3.2% — above the Bank of Canada's 1–3% target — and what that means for variable rate holders heading into the September 2nd meeting • What a 0.25% rate increase actually costs: on a $600,000 mortgage, about $83/month • Why today's BC mortgage rate environment is the new normal — and why treating it as temporary is costly • Renting vs. buying in BC: why ownership is often cheaper than renting at current prices and rates • The CMHC 100x net worth gap — condo owners in their 30s worth $440,000 vs. renters worth $44,000 Hosted by Allister Carrington | BC Realtor, KIC Realty | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com

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  Episode #106

  Ep. 106 — 7 Things NOT to Do After BC Mortgage Approval & the Cowichan Land Title Ruling One Year Later

  Aug 19, 202645 minS1

  Your BC mortgage is approved and your subjects are removed — but the deal isn't done until the completion date. In Episode 106 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee cover the 7 things BC homebuyers must not do between mortgage approval and closing, and follow up on the Cowichan land title ruling — one year on — with new polling that reveals what it has done to public trust in BC's fee simple property ownership system. The BC mortgage pre-closing mistakes covered in this episode affect buyers at every price point: from first-time buyers in the Fraser Valley to move-up buyers across Metro Vancouver. Lenders have the right to perform an internal audit before completion. If your financial position has changed from the day your BC mortgage was approved, the deal can collapse — even after subjects are removed and everything feels certain. What you'll learn: • Why "BC mortgage approved" does not mean "done" — and when the real risk window closes • The 7 things that can collapse a firm and binding BC real estate purchase before closing • Why financing a car, furniture, or anything on credit between approval and completion is dangerous • How $600/month in new payments removes $100,000 of borrowing power — and how $14,000 on a card does the same • What happens when a BC buyer changes jobs, goes commission, or becomes self-employed after approval • Why shuffling your down payment between accounts creates a documentation nightmare • Gifted down payments from overseas — what BC lenders require and when it has to be in a Canadian account • The Cowichan land title ruling one year later — what new BC polling reveals about public trust in fee simple ownership • Why the ruling was about public land, not private homes — and why that message has failed to reach BC property owners • How media framing and algorithm-driven content is shaping what BC homeowners believe about their property rights • The rule that protects every BC homebuyer: keep it boring until the day after completion Hosted by Allister Carrington | BC Realtor, KIC Realty | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com

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