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Behind the Scenes EMA Mortgage Podcast

Language: en Education

Activity Overview

Episode publication activity over the past year

Last Checked: 2025-10-19 17:08:27

Episode 53: Part-Time Up, Full-Time Down: Canada's Labour Market Shuffle

13 Feb 2024

Contributed by Lukas

Part-Time Up, Full-Time Down: Canada's Labour Market Shuffle   Don’t be fooled… Pay attention t...

Episode 52: The Ripple Effect: Canada's Inflation Rate and Your Wallet

15 Jan 2024

Contributed by Lukas

The Ripple Effect: Canada's Inflation Rate and Your Wallet   Raymond Daez Mortgage Broker/Team Lead...

Episode 51: Dive into 2023’s Top Mortgage Stories

02 Jan 2024

Contributed by Lukas

Episode 50: Navigating the Unexpected Dip in Home Values

11 Dec 2023

Contributed by Lukas

Navigating the Unexpected Dip in Home Values   Raymond Daez Mortgage Broker/Team Lead 416 705 3239 ...

Episode 49: The Unseen Challenges of an Expert Mortgage Agent

08 Dec 2023

Contributed by Lukas

Can Mortgage Brokers Make $100k?… How?  Is it hard to be a successful mortgage broker? Is being a...

Episode 48: Canada Defies Odds to Avoid Recession. Find Out How!

04 Dec 2023

Contributed by Lukas

First off, Canada escaped entering a technical recession. Our Real GDP did fall by 0.3% in the third...

Episode 47: Think Mom-and-Pop Investors Hurt the Housing Market? Think Again!

30 Nov 2023

Contributed by Lukas

🏠💡 Think Mom-and-Pop Investors Hurt the Housing Market? Think Again!    Contrary to popular ...

Episode 46: Stats on Mortgage Arrears, and the new Canadian Mortgage Charter

27 Nov 2023

Contributed by Lukas

Raymond Daez Mortgage Broker/Team Lead 416 705 3239 Mortgage Alliance Lic# 10530

Episode 45: How to get a Mortgage for a New Build Condo Assignment

06 Jan 2023

Contributed by Lukas

(1)How to get a Mortgage for a New Build Condo Assignment?   (2) An assignment is a REAL ESTATE sal...

Episode 44: Mortgage Penalties Explained

08 Nov 2022

Contributed by Lukas

Mortgage Agent look at Penalty Calculations for Variable and Fixed Rate Mortgage (Both from Bank and...

Episode 43: How do you survive and grow during a recession?

20 Jul 2022

Contributed by Lukas

MAKE GOOD DECISIONS… (1) DON’T RUN OUT OF MONEY -  A recession brings lower sales and therefore...

Episode 42: 50 30 20 Budget Rule

07 May 2022

Contributed by Lukas

You have seen Mortgage Rate Increases and Your Expenses will continue to increase.   You know it is...

Episode 41: DISCUSS: Rates are going up on March 2nd

19 Feb 2022

Contributed by Lukas

Covid-19 Recovery Strong Employment Growth Wage is going up Inflation above Target… inverse relati...

Episode 40: Bank of Canada Held Overnight Lending Rate at 25 bps

27 Jan 2022

Contributed by Lukas

#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontar...

EPISODE 39: Discuss Article: ”Fixed Mortgage Rates Are Rising. Are Variable Rates Next?”

22 Jan 2022

Contributed by Lukas

A new Article from Canadian Mortgage Trend…”Fixed Mortgage Rates Are Rising. Are Variable Rates ...

Episode 38: Should you go BIG or SMALL with your Down Payment when Buying a House?

21 Dec 2021

Contributed by Lukas

Should you go BIG or SMALL with your Down Payment when Buying a House? Let’s discuss the right do...

Episode 37: OSFI Leaves Mortgage Stress Test at 5.25%

21 Dec 2021

Contributed by Lukas

OSFI Leaves Mortgage Stress Test at 5.25%   #emamortgageteam #mortgagealliance #mississaugarealesta...

Episode 36: David Gyurits (RVP Mortgage Alliance): My Relationship with Money Series!

24 Sep 2021

Contributed by Lukas

David Gyurits (RVP Mortgage Alliance): My Relationship with Money Series! Please Welcome David Gyuri...

Episode 35: Top 5 things to consider when Selling your Investment Property

13 Sep 2021

Contributed by Lukas

Top 5 things to consider when selling your investment property   (1) Lifestyle Goals  Being a Land...

Episode 34: Top 3 Villains of the Canadian Housing Market

09 Sep 2021

Contributed by Lukas

Top 3  Villains of the Canadian Housing Market.  This has nothing to do with the Political Parties...

Episode 33: My Relationship with Money Series - Pinder Singh, A Top Real Estate Broker in GTA

18 Aug 2021

Contributed by Lukas

This is the 1st Episode of My Relationship with Money Series.  It is such an honour to have a great...

Episode 32: How do I get my Down Payment for My 1st Rental Property? My Raptors Pick at #4

29 Jul 2021

Contributed by Lukas

Behind the Scenes EMA Mortgage Podcast Episode 32:  How do I get my Down Payment for My 1st Rental ...

Episode 31: How much income do you need to live in Ancaster ON? Is it a good place to Invest?

19 Jul 2021

Contributed by Lukas

In this Episode, we answer the questions:  How much income do you need to live in Ancaster and Is t...

Episode 30: CMHC Admits Tightening was a Mistake. Toronto Raptors will Pick #4 at the NBA Draft.

11 Jul 2021

Contributed by Lukas

#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontar...

Episode 29: Agent Profile - Raymond Daez, EMA Mortgage Team - Mortgage Alliance

26 Jun 2021

Contributed by Lukas

David Gyurits talks with Ray about various topics on being a Mortgage Agent.     #emamortgageteam ...

Episode 28: Is now the right time to invest in a rental property?

21 Jun 2021

Contributed by Lukas

#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontar...

Episode 27: Discuss. Will raising my credit limit help my credit rating?

15 Jun 2021

Contributed by Lukas

Episode 26: Charles Climenhage (Realtor) at EMA Mortgage Team Office in Oakville

09 Mar 2021

Contributed by Lukas

Ray welcomes Charles Climenhage, Realtor at Royal LePage.  They discussed Charles' inspiration to b...

Episode 25: Talking Real Estate and Mortgages in 2021 with Sunny Aujla - Realtor, Century 21

08 Mar 2021

Contributed by Lukas

Ray talks Real Estate and Mortgages with Sunny Aujla of Century 21.  They discussed Investing in Re...

Episode 24: Instagram Live with Chantelle McPhee of Royal LePage

06 Mar 2021

Contributed by Lukas

Chantelle and Ray went on Instagram Live to answer your Real Estate and Mortgage questions.  If you...

Episode 23: Location, Location, SPACE!

25 Jan 2021

Contributed by Lukas

Raymond Daez of EMA Mortgage Team - Mortgage Alliance looks at the trends in the GTA and Ontario Hou...

Episode 22: A Look Back at 2020

05 Jan 2021

Contributed by Lukas

A Look Back at 2020 - We started year 2020 with so much excitement. We started a mortgage team, EMA ...

Episode 21: Toronto's Vacant Home Tax

21 Dec 2020

Contributed by Lukas

Toronto's Vacant Home Tax The City of Toronto will be implementing a Vacant Home Tax. It will be at ...

Episode 20: Bank of Canada left overnight lending rate unchanged. First Time Homebuyer Incentive Changes

10 Dec 2020

Contributed by Lukas

Raymond, Mortgage Agent at EMA Mortgage Team-Mortgage Alliance, talks about the most recent Bank of ...

Episode 19: HSBC at 0.99% Mortgage Rate. Affordability has Improved due to low Rates

09 Dec 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, discusses the new 0.99% Mor...

Episode 18: Rush closings before Dec 15th

21 Nov 2020

Contributed by Lukas

Episode 17: Security vs Opportunity... Be your own boss!

20 Nov 2020

Contributed by Lukas

Episode 16: Business Planning Time and Region of Peel new restrictions

19 Nov 2020

Contributed by Lukas

Episode 15: Pfizer Vaccine, President Elect Joe Biden

10 Nov 2020

Contributed by Lukas

Will the rates start to go up now that there may be a vaccine on the way?   Changing Lives, One Mor...

Episode 14: What to expect from Today's rate?

05 Nov 2020

Contributed by Lukas

Mortgage Agent look at what to expect from today's Mortgage Rates and Best of Luck with the Presiden...

Episode 13: Low Mortgage Rates, Credit Score Issues, Finance Minister Change, Strong Home Sales

02 Sep 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance talks about   * Low Mor...

Episode 12: Tesla Model Y: A Mortgage Agent's Decision

18 Aug 2020

Contributed by Lukas

Mortgage Agent from Mortgage Alliance Canada assesses the possibility of buying an Electronic Vehicl...

Mortgage Rate Conversations, Tesla Model Y?, Stress Test going DOWN and Purchase Plus Improvements

12 Aug 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, talks about how to handle m...

Episode 10: When a Mortgage Preapproval is NOT Good Enough!

04 Aug 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance talks about   * A great Civ...

Episode 9: CIVIC Long Weekend UPDATE

01 Aug 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, gives a quick update for th...

Episode 8: What TO DO and NOT TO DO after getting a Mortgage Approval

31 Jul 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, talks about what TO DO and ...

Episode 7: 3 Pillars of Mortgage Underwriting

30 Jul 2020

Contributed by Lukas

Mortgage Agent at EMA Mortgage Team - Mortgage Alliance shares the 3 factors that need to be address...

Episode 6: Is it a Good Time to BUY?

29 Jul 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, talks about a question that...

Episode 5: How to get a Mortgage in Canada?

28 Jul 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, talks about how gratifying ...

Episode 4: Special Guest!!! If You are NOT Investing, You are Missing Out!

23 Jul 2020

Contributed by Lukas

Raymond Daez, Mortgage Agent, talks with a Special Guest. We are so lucky to have a special guest to...

Episode 3: Can I get a Mortgage During a Pandemic and My Exciting Mortgage Agent Life

21 Jul 2020

Contributed by Lukas

Raymond Daez discusses the difficulty of making being a Mortgage Agent exciting on camera.  News Hi...

Episode 2: Understand Your Credit Bureau with a Sneak Peek of My Work Day

21 Jul 2020

Contributed by Lukas

Your Credit Bureau is one of the major factors Lenders look at in approving a mortgage. You will kno...

Episode 1: Appraisal Questions Answered

18 Jul 2020

Contributed by Lukas

Raymond Daez of EMA Mortgage Team - Mortgage Alliance answers 5 most asked questions on property app...