In Canada, the mortgage stress test—brought in to protect homeowners—is now punishing them. It’s hijacked the very foundation of Canadian lending: the Five C’s of Credit (Character, Capacity, Capital, Credit, Collateral). Today, none of that matters. One algorithm decides your future. Welcome to 2025: Where the “Computer says NO.” This week, Vince exposes how the OSFI stress test and Bank of Canada policies are trapping responsible Canadians in Mortgage Jail — forcing them into alternative le...
Canada’s household debt crisis is spiralling out of control — and nobody’s talking about it. With over $2.9 trillion in household debt, Canadians are now spending 17 cents of every dollar just to cover interest. Mortgages are resetting, credit lines are maxed out, and families are suffocating under higher payments. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Every mortgage renewal in Canada right now feels like a coin flip — do you lock in for safety or ride the variable and hope rates keep falling. Here’s the truth no one’s telling you: there’s no one-size-fits-all answer. What works for one family could sink another. That’s why strategy matters more than headlines. ]'After eight Bank of Canada rate cuts since 2024, some people are celebrating… but for hundreds of thousands of Canadians, the reality is brutal — renewals at double or triple their...
Canada says it’s finally fixing the housing crisis — by building homes like cars. “Build Canada Homes” is the federal government’s big modular housing plan: faster, cheaper, greener. But can a country buried in red tape really pull it off? For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Want to know the biggest real scam in Toronto real estate? It’s not greedy developers or foreign investors — it’s your own government. Right now, up to 27% of every new home’s price in the GTA is made up of government charges. That’s not land, not steel, not bricks — it’s bureaucracy. On a million-dollar townhouse, that’s up to $270,000 in fees — and you’re the one paying for it every month through your mortgage. While City Hall talks about “equity” and “justice,” Toronto’s housing market is ...
Canada’s Debt Crisis Is Here — And It’s Worse Than You Think. Canadians are drowning in debt — and no one wants to admit it. Household debt in Canada just hit $2.9 trillion, with the debt-to-income ratio soaring to record highs. For every dollar we earn, we owe $1.80. And now, rising interest costs are eating up our paycheques — not groceries, not savings, just interest. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
What if I told you Canadian banks convinced you to “save” $2 a month… and in return, you gave them hundreds—sometimes thousands—every year? This isn’t about fees. It’s not about interest. It’s about blindness. Banks and credit card companies pushed us into digital statements under the disguise of “going green.” But here’s the truth: it’s not about the environment—it’s about hiding the money dripping out of your account every month. From forgotten streaming services to unused gym memberships, ...
Are Canadian homeowners reaching their breaking point? The latest Bank of Canada rate cut might sound like relief—but for millions of families, it’s too little, too late. Mortgage delinquencies are climbing in Ontario and B.C., consumer debt is piling up, and renewal shock is crushing hardworking Canadians who once believed in the dream of homeownership. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Canada is in trouble — and nobody wants to admit it. The Bank of Canada is about to cut interest rates for the 8th time, and while some people are cheering for a “housing rebound,” the truth is much darker. This isn’t a sign of strength. It’s a warning siren for just how weak our economy really is. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Canada’s economy is in crisis mode—and it’s not just inflation or interest rates. It’s productivity. Bank of Canada Deputy Governor Carolyn Rogers just called it a “crisis”—and she’s right. Productivity in Canada is collapsing, the gap with the U.S. is at record highs, and unless we wake up, the fallout will hit jobs, wages, and housing. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Canada’s job market just flashed a massive red warning light—and homeowners, buyers, and investors need to pay attention. The August 2025 Labour Force Survey shows 66,000 jobs lost in a single month—107,000 in two months. And it’s not seasonal work disappearing—it’s the backbone of our economy: construction, manufacturing, and retail. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
STOP! Don’t Buy Your Next Home Before Selling! The old “buy first, sell later” playbook is DEAD in 2025. In today’s market, buying before selling could cost you hundreds of thousands, sleep, and your financial peace. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Canada’s “housing boom” is a scam. We’re not building homes for families — we’re building rentals for corporations. In Toronto, over 80% of new builds are purpose-built rentals. CMHC is backing billions for landlords, while first-time buyers are locked out and priced out. This isn’t just bad policy… it’s generational theft. If we keep replacing homeownership with rentals, we’re locking in a future where equity, stability, and the middle class disappear. Here’s why the system is rigged, how it...
It’s not just high interest rates or immigration. The real reason homes are unaffordable? Development Charges (DCs) — a quiet, crushing tax adding over $150,000 to new homes. Meanwhile, Montreal builds smarter—with lower costs and fewer fees. This week, Vince breaks down how Toronto’s broken system is killing affordability—and what we need to fix it before it’s too late. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Remote work isn’t the future—it might be the downfall. From collapsing downtowns to rising taxes, plummeting transit ridership to AI replacing remote jobs—Canada’s urban economy is on life support. This week, Vince exposes the harsh economic truth no one wants to say out loud: Work-from-home is quietly killing careers, communities, and your property value. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Canada, brace yourself. The Bank of Canada is not cutting interest rates anytime soon — and if you’ve got a mortgage coming up for renewal, the pain is just beginning. Inflation remains stubborn, summer job income is fuelling unnecessary spending, and rate relief is nowhere in sight. This week, Vince breaks down why the Bank of Canada is stuck, how this high interest rate environment is crushing homeowners, small businesses, and the real estate market, and what you can expect in the months ah...
You’ve been LIED TO. Rate cuts? Not happening. Relief? NOT COMING. The 2025 EDGE ANALYTICS REPORT just dropped a BOMBSHELL and it’s BAD NEWS for anyone with a MORTGAGE, HELOC, or CREDIT CARD DEBT. For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
This week, Vince laces into Toronto's Mayor, Olivia Chow. With sky-high taxes, out-of-control crime, collapsing downtown — is this the "progressive comeback" we were promised? From TTC stabbings to tent cities in parks, Toronto is spiralling… all while the citizens pay record-breaking taxes! For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
Trade wars, Tax chaos & a Mortgage crisis are hitting Canadians hard. May 2025 CPI is out — inflation’s sticky, housing costs are rising, and the Bank of Canada is trapped. This week, Vince breaks down how it’s all crushing your wallet and what to do before rates spike again. Don’t wait! For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/
This week, Vince unpacks a bombshell Stats Canada report that exposes the hard truth about Canada's housing market, immigration policy, and what it all means for investors, landlords, and homeowners across Ontario, BC, and beyond. 👉 If you’re banking on rental income… think again. 👉 If you’re sitting on a pre-construction unit… brace yourself. 👉 If you thought “real estate always goes up”… welcome to 2025. If you haven't already, please subscribe to the OwlMortgage Youtube Channel...