Randy Selzer's Real Estate Podcast

In today's episode, we interview Emily Miszk, a Director of the Port Credit Business Improvement Association (BIA). Emily shares a lot of info about this popular and touristy area of Mississauga, Ontario including: - an explanation of what the Port Credit BIA does - an overview of the charms of Port Credit - favorite things to do in the area - seasonal vs year-round activities - changes over the past 5-10 years - community involvement - future developments including Brightwater and the Hurontario LRT - the state of the real estate market in Port Credit Check out Emily and the Port Credit BIA here: https://www.portcredit.com/about-us/b... She is also a mortgage broker and business owner of Port Credit Mortgages. https://www.portcreditmortgages.com/ #Mississauga #PortCredit #PortCreditBIA

In today's interview with Alex Kjorven, Chief Product Officer at Ourboro, we discuss how to buy property with an equity partner. How does co-ownership, or "shared ownership" work? Ourboro is a company that helps buyers by providing them with additional cash for their required downpayment. They charge no interest, but instead take an equity interest in the house or condo that you buy. When you sell the property, they get paid a proportion of the profit. Alex and I also discuss the upcoming OREA Realty+ conference, where Ourboro will be a participant. And we discuss Alex's creative side - she is an accomplished painter.   Check out Ourboro at info@ourboro.com https://ourboro.com/ https://www.instagram.com/ourborohq/ Alex Kjorven art: https://www.alexkjorvenart.com/ https://www.instagram.com/alexkjorven... also from this episode: https://caboodl.ca/

In today's episode, we are joined by special guest Denise Pisani, a top mortgage broker in the Greater Toronto Area. We discuss the impact of rising interest rates on the mortgage loan Stress Test that banks require potential buyers to pass. Today, buyers are required to qualify for their mortgage loan at rates that are two percentage points above their actual contracted interest rate. With fixed and variable rate mortgages now between 4.5% and more than 5%, this means you have to qualify at 6.5% to more than 7% to get your mortgage loan.   Find out how this will affect you in today's real estate market. #stresstestmortgage #stresstest #realestate #realtor #mortgagebroker #interestrates #realestatemarket

After a very long bull run, the Toronto real estate market has shifted from wildly positive in January and February, to a much slower pace this summer. Is the market simply more balanced now, or are we headed into something much more serious?  The change came about because of a rapid rise in interest rates. The Bank of Canada, in its efforts to tame inflation, has put a serious dent into the real estate market. The slowdown in real estate sales in the Greater Toronto Area has been significant. Now prices are falling too, with single family homes taking the biggest hit. What are we to make of all this, and what are we to expect in the coming months? We attempt to answer these and other questions in the podcast. #realestate #realestateagent #realestatemarket #Toronto #Mississauga #Oakville #TRREB #marketcrash #interestrates #condos #houseprices #realestatebust #Canada  

The Toronto real estate market has slowed down. Interest rates are going up. Should you buy a house or condo now, or should you wait until the market begins to recover? If you are an investor, is this a good time to find some deals? We interview Evan Ungar and Jordan King, managing partners of TUK Capital, a real estate investment and consulting firm based in Toronto, Canada. Get insight on what to do when the real estate market shifts. Prices have slipped a bit, and interest rates are going up. Bidding wars are not so common these days. And yet the rental market is on fire. The economy in the Greater Toronto Area is strong. And immigration levels into Canada are at record-breaking levels. Find more info on TUK Capital here: https://tukcapital.com/      

Special guest Denise Pisani, a top mortgage broker in Mississauga, Ontario shows how to repair bruised credit. Learn tips and best practices on how to improve your credit score. You will learn: - what is a credit score? - how to fix your credit score - how to improve your credit score - the effects of a personal bankruptcy - the effects of a consumer proposal - how many credit cards are too many? - what not to do before closing on a house - how to improve your chances of getting a mortgage loan #realestate #creditrepair #creditscore   Contact Denise at: denise@mortgageinthecity.ca   Please check out: My main real estate website: https://www.randyselzer.com Instagram: https://www.instagram.com/randyselzer/

We interview Mindy Applebaum, Founder and CEO of Luxury Move Management. Learn how this Toronto-based company provides interesting solutions for people who need to move. If you are downsizing, undergoing a renovation, estate clearing, relocating, divorcing, moving into a condo, a new home or retirement residence, every move can bring stress to the homeowner. Find out how Mindy's company co-ordinates with realtors, home stagers, and moving companies, to help you declutter, get rid of unwanted furniture, pack and unpack, and store your possessions temporarily if needed. You can reach Luxury Move Management at: info@luxurymovemanagement.com 416-937-0499 #realestate #Toronto #movinghouse

What if there was a way to insure your offer in a real estate bidding war, so there was no worry about a low appraisal afterwards? We interview Jason Henneberry, mortgage expert and co-founder of Fundible Finance Corporation. Fundible is launching an interesting new product that promises to help buyers in this exact situation.  Today's market often results in multiple offers - situations where several buyers bid simultaneously on a single property. These bidding wars contain risks for the buyer, even if they are pre-approved at the bank. It's something new. Check out the podcast to see how it works. You can reach Jason at: jason@mortgagepal.ca Website: https://fundible.ca/ JIvD2pK0Wlcnaya91e69

We interview Dawn Marcotte, bestselling author of Success Guaranteed: 9 Lies Online Entrepreneurs Need to Know. Dawn explains the myths of online marketing, and shows techniques and strategies that can help you to be successful with your online business. Topics include the top 3 myths you need to know, sales funnels, websites, Facebook pages, scheduling, batching, and much more. You can find Dawn's book at: https://www.amazon.com/Success-Guaranteed-Lies-Online-Entrepreneurs-ebook/dp/B096PY1VXD/   

We interview Christopher Alexander, President of RE/MAX Canada, and Elton Ash, Executive VP of RE/MAX Western Canada, about luxury real estate. Find out what's happening with sales and prices of these luxury homes. Topics include sales numbers, what is causing the boom, and where we are headed in 2022.

We interview expert mortgage broker Denise Pisani on how to get a mortgage when you are self employed. Denise explains what paperwork is required, what the fees are, the three types of mortgage products that are available for self-employed people, and how any tax arrears can affect your chances of getting a loan. Contact Denise at: denise@mortgageinthecity.ca for further details. #realestate #mortgage #mortgages #selfemployed #mortgagesforselfemployed   

We interview Rizwan Malik, Senior VP of Sotheby's International Realty Canada about the real estate market in Toronto, and what to expect in 2022. #realestate #Toronto #RizwanMalik #RandySelzer #realestatemarket #GTA #Canada #interestrates #houseprices

Two special guests explain how to lower your Canadian marginal tax rate from 53.5% to 12.2% to potentially zero percent. Robinson Smith, best selling author of Master Your Mortgage for Financial Freedom and JP Laporte, Canadian attorney and CEO of INTEGRIS Pension Management Corporation, show you how to pay less taxes. Reach Rob at robsmith@smithman.net Buy the book at https://www.amazon.ca/Master-Your-Mor... Reach JP at jp.laporte@integris-mgt.com    

We interview Scott Smith, an attorney with Royal Legal Solutions in Austin, TX., about estate planning, and how to structure your real estate and other assets into a Living Trust. Learn how to avoid the probate process, and how to seamlessly transfer your property to your children, using techniques that work in both the U.S. and Canada.  You can reach Scott at https://royallegalsolutions.com scott@royallegalsolutions.com 512-871-0843  

We review results from 2021, and predict where the Toronto real estate market is headed in 2022. Topics include interest rates, the state of the local economy, immigration into the Greater Toronto Area, and where inflation is headed. 

Latest podcast with Denise Pisani, we go indepth on multiple offers. We address topics such as: Is it safe to make a firm offer if you are pre-approved at the bank? Will a conditional offer even work in today's market? What happens if the bank appraisal comes in low? and lots of other fun stuff! #realestate #realestateagent #realestateagentMississauga #realtorlife #offers #biddingwars #houses #condos #RandySelzer #DenisePisani #financehelp #mortgage #mortgages   You can reach Denise at: denise@mortgageinthecity.ca Find her on Instagram: https://www.instagram.com/mortgageinthecity Contact Randy at: rselzer@sutton.com Check out my Insta at https://www.instagram.com/randyselzer/  

We interview Jean-Pierre Laporte, CEO of Integris Pension Management Corp., on advanced techniques in tax planning and pensions. Topics include how to incorporate as a professional, how to set up a personal pension plan, and how to use that pension plan to purchase real estate investments which will then grow in a tax-exempt environment. When purchased through a pension plan, real estate investments grow tax free. Rents paid by tenants are not claimed as income, and if you sell the property, there is no capital gains tax to pay. Learn the critical differences between Personal Pension Plans (PPP) and RSPs. We cover how to avoid paying tax when you transfer assets to your children, how to buy U.S. property through a Canadian personal pension plan, and how to pool pensions together with other incorporated individuals.   You can reach Jean-Pierre ("JP") at:   jp.laporte@integris-mgt.com 1- 844-484-3777 https://integris-mgt.com/   #realestate #pensionplans #tax         

We interview Anthony Woods, a consultant with Chartwell Retirement Residences. As baby boomers get older, many are faced with the decision of whether they should consider moving into a retirement residence, or not. We cover the options available to everyone: you can stay in your existing home, downsize, move to a condo, rent an apartment, or move to a retirement residence. Learn about the different types of retirement homes, and compare features and benefits.   Reach Anthony at: awoods@chartwell.com https://chartwell.com/  

We talk with bestselling author Robinson Smith about the Smith Manoeuvre, a way for Canadians to create tax deductions from the mortgage loan on their principal residence. Learn how to get a special "re-advanceable" mortgage that combines your mortgage loan with a line of credit. Use the line of credit to make further investments. Over time, the Smith Manoeuvre gradually converts your non-deductable mortgage loan interest to tax deductable investment interest. Rob explains exactly how it works. This strategy is allowed by the Canada Revenue Agency (CRA), and these special re-advanceable mortgages are offered by the big five banks in Canada. #smithmanoeuvre #mortgages #realestate Contact Rob Smith at: robsmith@smithman.net https://www.smithman.net Check out Rob's bestselling book here: https://www.amazon.ca/Master-Your-Mortgage-Financial-Freedom/dp/1999171608/ref=sr_1_1  

We interview special guest Denise Pisani, on how to buy a multi unit property. Learn all about multi family mortgage loan requirements, how to lower your down payment by occupying one part of a duplex, what interest rates apply, how to qualify, and whether or not multi family, multiplex real estate is for you. You can reach Denise at: denise@mortgageinthecity.ca also, find her on Instagram: https://www.instagram.com/mortgageinthecity/ Randy Selzer - Real Estate Agent 33 Pearl St Mississauga, ON L5M 1X1 416-433-3556 Topics include down payment, interest rates, how to qualify, owner occupied units, duplex, triplex, four and five unit investments, and more.