Mortgage 101 with Clinton Wilkins

Mortgage 101 - Why More Homebuyers Are Choosing Variable Rates This Spring

Clinton Wilkins Mortgage Team — Mon, 13 Apr 2026 08:00:00 -0300

Clinton Wilkins and Dan Ahlstrand break down why more homebuyers are choosing variable-rate mortgages this spring, exploring rate volatility, inflation pressures, and how to match mortgage strategy with risk tolerance.

Mortgage 101 - Approved vs. Affordable

Clinton Wilkins Mortgage Team — Mon, 30 Mar 2026 05:00:00 -0300

Clinton Wilkins and Dan Ahlstrand discuss the importance of hiring professionals for home renovations and obtaining a pre-approval for mortgages.

Mortgage 101 - The One Cheap Upgrade Buyers Love

Clinton Wilkins Mortgage Team — Mon, 23 Mar 2026 05:00:00 -0300

Clinton Wilkins and Dan Ahlstrand discuss strategies for selling a home in the spring market, emphasizing the importance of staging.

Bank of Canada Update: March 18th

Clinton Wilkins Mortgage Team — Wed, 18 Mar 2026 15:27:11 -0300

Dan Ahlstrand and Clinton Wilkins discussed how the Bank of Canada maintained its key interest rate at 2.25%, reflecting economic uncertainties.

Mortgage 101 - Why Spring is the Best Time to List Your Home

Clinton Wilkins Mortgage Team — Mon, 16 Mar 2026 05:00:00 -0300

Clinton Wilkins and Dan Ahlstrand discuss the busy spring real estate market with guest Alex Tremblay from Century 21 Optimum.

Mortgage 101 - Spring Into Homeownership

Clinton Wilkins Mortgage Team — Mon, 09 Mar 2026 05:00:00 -0300

Dan Ahlstrand and Clinton Wilkins discuss the upcoming spring housing market, noting it as the busiest time of year.

Mortgage 101 - Love Your Home

Clinton Wilkins Mortgage Team — Mon, 02 Mar 2026 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discuss the concept of "loving your home" and provide advice on home ownership at different life stages.

Mortgage 101 - The Real Cost of Ending a Marriage

Clinton Wilkins Mortgage Team — Mon, 23 Feb 2026 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins welcome on Derek Sonnichsen from MDW Law to discuss on protecting yourself during divorces, especially regarding property division.

Mortgage 101 - Safeguarding Your Home and Heart

Clinton Wilkins Mortgage Team — Mon, 16 Feb 2026 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins welcome on Derek Sonnichsen from MDW Law to discuss the importance of having open discussions about money and debts before entering into a relationship.

Mortgage 101 - What Nova Scotia’s New 2% Down Program Really Means

Clinton Wilkins Mortgage Team — Mon, 09 Feb 2026 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discuss the new Nova Scotia first-time homebuyers program, which reduces the required down payment from 5% to 2%.

Mortgage 101 - Refinance Reality Check

Clinton Wilkins Mortgage Team — Mon, 02 Feb 2026 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discuss refinancing mortgages, emphasizing the importance of understanding the process and considering it when a mortgage comes up for renewal.

Bank of Canada Update: January 28th

Clinton Wilkins Mortgage Team — Wed, 28 Jan 2026 16:27:31 -0400

The Bank of Canada has decided to keep its key interest rate at 2.25%, a move that aligns with economic projections and expectations.

Mortgage 101 - How to Get a Mortgage After Bankruptcy

Clinton Wilkins Mortgage Team — Mon, 26 Jan 2026 05:00:00 -0400

Clinton Wilkins and Dan Ahlstrand welcome Tina Powell to discuss the misconceptions surrounding bankruptcy and consumer proposals.

Trailer: Mortgage 101 2026

Clinton Wilkins Mortgage Team — Wed, 21 Jan 2026 12:52:19 -0400

Mortgage 101 with Clinton Wilkins is back for 2026. As heard on CityNews, this show is a weekly podcast where the guys discuss everything there is to know about getting a mortgage, as well as answering listener phone-in questions.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 - Bankruptcy Isn't a Dirty Word

Clinton Wilkins Mortgage Team — Mon, 19 Jan 2026 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins welcome guest Tina Powell, a licensed insolvency trustee from MMP, to discuss the current state of consumer insolvency in Nova Scotia.

Mortgage 101 - Merry Debtmas

Clinton Wilkins Mortgage Team — Mon, 12 Jan 2026 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discuss Merry Debtmas, urging consumers to review their finances and consider refinancing to lower borrowing costs.

Mortgage 101 - Beyond the Bank

Clinton Wilkins Mortgage Team — Wed, 10 Dec 2025 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discuss the value of mortgage brokers, emphasizing their ability to offer a wide range of lenders and products, unlike banks with guest Adrian Schulz.

Mortgage 101 - Protecting Your Future With the Right Insurance

Clinton Wilkins Mortgage Team — Mon, 08 Dec 2025 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins welcome Mario Cloutier from Manulife to explain the importance of mortgage protection, noting that 83% of Canadians are underinsured.

Mortgage 101 - Make Your Move in Canada’s Market

Clinton Wilkins Mortgage Team — Thu, 04 Dec 2025 15:42:22 -0400

Dan Ahlstrand and Clinton Wilkins welcome Jim Spitalli, COO of Sagen, to explain how Sagen provides mortgage insurance for those with less than 20% down payment, allowing them to enter the market sooner.

Mortgage 101 Live - Financial Fitness for First-Time Homebuyers

Clinton Wilkins Mortgage Team — Mon, 01 Dec 2025 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discussed the need for Canadians to understand income, assets, and credit, especially amidst economic challenges like recession and high inflation.

Mortgage 101 - Building Wealth Through Homeownership

Clinton Wilkins Mortgage Team — Mon, 24 Nov 2025 05:00:00 -0400

Clinton Wilkins and Dan Ahlstrand discuss the importance of financial literacy, focusing on assets. They highlight the significance of home ownership, noting that it's often the largest asset for Canadian families.

Mortgage 101 - Credit Myths Busted

Clinton Wilkins Mortgage Team — Mon, 17 Nov 2025 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discuss credit scores and financial literacy, emphasizing the importance of understanding credit usage and management.

Mortgage 101 - Bank of Mom and Dad & Beyond

Clinton Wilkins Mortgage Team — Mon, 10 Nov 2025 05:00:00 -0400

Clinton Wilkins and Dan Ahlstrand discuss the impact of self-employment on income and mortgage qualification.

Mortgage 101 - Financial Literacy Month

Clinton Wilkins Mortgage Team — Mon, 03 Nov 2025 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discuss the importance of financial literacy, especially during Financial Literacy Month. They emphasize the need for education on credit, income, and assets, noting that schools often lack this instruction.

Mortgage 101 - Building Your Path to Homeownership

Clinton Wilkins Mortgage Team — Mon, 27 Oct 2025 05:00:00 -0300

Clinton Wilkins and his team take to the streets to answer real questions from listeners about homeownership, saving for a down payment, and navigating the ever-changing mortgage landscape.

Mortgage 101 - Navigating Canada’s Changing Mortgage Landscape

Clinton Wilkins Mortgage Team — Mon, 20 Oct 2025 05:00:00 -0300

Clinton Wilkins and guests dive deep into the evolving landscape of mortgage lending in Canada. From the rise in mortgage fraud and the tightening of regulations to the increasing role of family support in helping first-time buyers.

Mortgage 101 - How to be a Smart Borrower

Clinton Wilkins Mortgage Team — Tue, 14 Oct 2025 05:00:00 -0300

In this special "Best of 2025" episode of Mortgage 101, Clinton Wilkins breaks down the year’s biggest trends in homeownership and mortgage lending. Clinton shares candid advice on the responsible use of home equity lines of credit, emphasizing the importance of not treating your home as an ATM.

Mortgage 101 - What’s Next for Homeowners?

Clinton Wilkins Mortgage Team — Mon, 06 Oct 2025 05:00:00 -0300

Clinton Wilkins recaps this year by diving into topics like: Canadians facing renewals, the decision whether to refinance, consolidate debt, or just extend your amortization.

Mortgage 101 - Back to School, Back to Savings

Clinton Wilkins Mortgage Team — Fri, 03 Oct 2025 05:00:00 -0300

Clinton and Dan discuss financial literacy, mortgage rates, and housing market trends. They note that while other provinces like Ontario and BC see housing price declines, Atlantic Canada's property values rise by about 3% annually due to high demand. They highlight the affordability issues, with $29.40/hour needed to live in HRM, equating to around $60,000 annually. They also discuss the impact of new rental units on the market, predicting a rebalancing by 2026. The conversation underscores the need for early financial planning, especially for education and housing.

Mortgage 101 - Rates, Risks & Real Estate

Clinton Wilkins Mortgage Team — Mon, 29 Sep 2025 05:00:00 -0300

Clinton and Dan discuss the current state of the mortgage market, focusing on interest rates and home ownership. Clinton mentions a Bank of Montreal economist's projection of a 75 basis point reduction in the key overnight rate by early next year, which could lower mortgage rates to the 3% range. They debate the pros and cons of variable vs. fixed rates, with Clinton noting a shift towards variable rates. They also discuss the impact of rising rates on inflation and the potential for a 25 basis point cut in September.

Mortgage 101 - Student Mortgages Unlocked

Clinton Wilkins Mortgage Team — Mon, 22 Sep 2025 05:00:00 -0300

Dan and Clinton discuss the challenges of student housing in Halifax, noting the high cost and limited availability. They observe a shift from parents buying properties for their children to more student housing being sold. Clinton highlights the impact of reduced foreign student numbers on the market. They debate the financial viability of buying a condo for students, considering factors like mortgage payments, property taxes, and potential appreciation.

Mortgage 101 - Atlantic Advantage: Why Our Market Stays Strong

Clinton Wilkins Mortgage Team — Mon, 15 Sep 2025 05:00:00 -0300

Clinton is joined by Dan Ahlstrand, and the two discuss the current state of the housing market in the fall. Clinton notes that while the market is still busy, it's more balanced than in previous years, with listings above $600,000 staying longer on the market. He predicts a 25 basis point cut by the Bank of Canada, which could increase demand and potentially drive prices up. He also mentions the impact of tariffs on industries like tires and seafood in Nova Scotia.

Mortgage 101 - What Happens After The Smoke Clears

Clinton Wilkins Mortgage Team — Mon, 08 Sep 2025 05:00:00 -0300

Todd and Clinton discuss the impact of recent fires on insurance costs, noting that insurance premiums have risen due to increased risk factors. They also address the high costs of new home construction, citing labor and material expenses, and the challenges of new home construction, including overruns and scope creep. Clinton explains that most new construction mortgages are turnkey, with clauses for inflation and change orders. They also touch on the risks and complexities of draw financing, where borrowers act as lenders to contractors.

Mortgage 101 - Refinancing The Right Way

Clinton Wilkins Mortgage Team — Mon, 01 Sep 2025 05:00:00 -0300

Clinton and Todd discuss the impact of inflation on interest rates and the housing market, noting that rates are expected to stay higher for longer. They explain the concept of net worth, including what assets and liabilities to include, such as real estate, TFSAs, and life insurance. The conversation shifts to refinancing, highlighting that it often occurs at renewal but can happen mid-term for various reasons like debt consolidation or renovations. They emphasize the importance of understanding amortization periods and the benefits of bi-weekly payments.

Mortgage 101 - Advice for Modern Buyers

Clinton Wilkins Mortgage Team — Mon, 25 Aug 2025 05:00:00 -0300

The guys discuss the impact of inflation and rising debt on home ownership. Clinton notes that Canadians are heavily indebted, with mortgages averaging $400,000, often supported by dual incomes of $100,000. Food prices have doubled, affecting household budgets significantly. They highlight the disparity between real estate prices, which have doubled, and stagnant incomes. Wilkins advises focusing on needs over wants to manage inflation better.

Mortgage 101 - The Mortgage Mindset

Clinton Wilkins Mortgage Team — Mon, 18 Aug 2025 05:00:00 -0300

Todd and Clinton discuss the evolution of their mortgage show, emphasizing their dynamic approach to mortgage lending and broader topics. Clinton, with nearly21 years of experience, highlights his passion for the industry and his role as the Atlantic director for Mortgage Professionals Canada. He shares his business growth, handling $500 million in transactions this year, and the challenges of working with high-net-worth clients.

Mortgage 101 - Pride, Politics, and Property

Clinton Wilkins Mortgage Team — Mon, 04 Aug 2025 04:00:00 -0300

Todd and Clinton regroup to wrap up their discussion on Pride in Homeownership. They touch on the impact of political uncertainties, such as trade wars and interest rates, on the housing market. They noted that while rates have decreased, the market remains high, affecting affordability. Clinton highlighted the trend of younger buyers receiving large family gifts, often $100,000, to make down payments. They also discussed the shift in demographics, with more seniors and first-time buyers entering the market. Challenges in the trades, such as difficulty in accessing contractors, were mentioned.

Mortgage 101 - Unlocking Homeownership

Clinton Wilkins Mortgage Team — Mon, 28 Jul 2025 04:00:00 -0300

Clinton and Blair are back to answer more mortgage questions from listeners. The two explain that mortgage payments are relatively stable, with a portion going to interest and the rest to principal. They emphasize the importance of the stress test in ensuring affordability and protecting borrowers from financial shocks. Clinton notes that while interest rates have risen from sub-2% to around 4%, the stress test prevents issues during renewal. They also discuss the benefits of maintaining a good relationship with a mortgage broker for long-term financial planning.

Mortgage 101 - Mortgages Without Judgement

Clinton Wilkins Mortgage Team — Mon, 21 Jul 2025 04:00:00 -0300

Todd, Clinton, welcome guest Blair Patterson to address questions from listeners, including how to prepare for buying a home in 10 years, the importance of automatic savings, and the impact of interest rates on mortgage payments. They emphasize the significance of credit scores, the benefits of automatic payments, and the challenges faced by queer clients in the housing market. Blair shares his experience transitioning from the Navy to a mortgage broker to help military and queer communities. They also touch on the growth of the Halifax region and the importance of financial empowerment.

Mortgage 101 - Pride in Homeownership

Clinton Wilkins Mortgage Team — Mon, 14 Jul 2025 04:00:00 -0300

Clinton Wilkins and Todd Veinotte discuss the intersection of Pride Month and home ownership. They highlight the importance of continuing to address issues of equality, noting that the percentage of homes owned by queer people is lower than that of straight people. Clinton shares his experiences as a mortgage broker, emphasizing the challenges faced by the queer community, such as socioeconomic barriers and relationship dynamics affecting lending.

Mortgage 101 - Responding to the Threat of a Data Breech

Clinton Wilkins Mortgage Team — Mon, 07 Jul 2025 05:00:00 -0300

Clinton Wilkins and Todd Veinotte discuss the importance of credit monitoring, especially in light of the recent Nova Scotia Power cyber breach affecting 200,000 customers. They recommend using free apps like Borrowell (Equifax) and Credit Karma (TransUnion) for weekly updates, which do not impact credit scores. For more comprehensive monitoring, paid services from Equifax and TransUnion cost around $30 monthly. They also advise setting fraud alerts and warnings on credit bureaus to prevent unauthorized account openings.

Mortgage 101 - The Importance of Aging in Place

Clinton Wilkins Mortgage Team — Mon, 30 Jun 2025 05:00:00 -0300

Todd Veinotte, Clinton Wilkins, and Trevor Gordon (of Home Equity Bank) discuss the importance of aging in place for retirees. They explore the benefits of a reverse mortgage, highlighting its flexibility and the freedom it provides to clients who use it. The program is equity-driven, not credit-driven, and caters to seniors with strong credit but limited cash flow. The three discuss eligibility, average coverage, and everything else you need to know about reverse mortgages.

Mortgage 101 - Making Financial Freedom for Retirees

Clinton Wilkins Mortgage Team — Mon, 23 Jun 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins welcome Trevor Gordon, Business Development Manager at Home Equity Bank, to discuss reverse mortgages. Trevor explains that Home Equity Bank has been providing reverse mortgages for over 30 years. He highlights that the average client and dispels common misconceptions about reverse mortgages, such as the bank taking the property, stressing their role in helping retirees age in place.

Mortgage 101 - Navigating the Real Cost of Home Ownership

Clinton Wilkins Mortgage Team — Mon, 16 Jun 2025 05:00:00 -0300

Clinton Wilkins and Todd Veinotte discuss the impact of the new government's financial policies on the mortgage market, highlighting the HST exemption on homes valued at $1.5 million or more, which could save homeowners up to $250 monthly. They also address the rising costs of home ownership, including unexpected expenses like a $3,000 heat pump repair. They also touch on the challenges of living on a floodplain and the potential impact of uranium exploration on property values.

Mortgage 101 - Challenges Faced by First-Time and Foreign Buyers

Clinton Wilkins Mortgage Team — Mon, 02 Jun 2025 04:00:00 -0300

Todd and Clinton discuss the evolving landscape of mortgage lending, highlighting its complexities and the importance of staying informed. They emphasize the necessity of monitoring credit and bank accounts to avoid fraud. They also discuss the challenges faced by first-time homebuyers and the impact of regulatory changes, such as the foreign buyers ban, on the Halifax market. The conversation concludes with a focus on the need for new home construction and the role of densification in urban development.

Mortgage 101 - How Financial Institutions are Fighting Fraud

Clinton Wilkins Mortgage Team — Mon, 26 May 2025 04:00:00 -0300

Sandi Burns, Chief Credit Officer at Manulife Bank, discusses the increasing prevalence of mortgage fraud, particularly in Atlantic Canada. She highlights "fraud for shelter," where individuals alter documents to qualify for mortgages, and "fraud for profit," involving organized crime. The conversation also touched on the importance of regulatory compliance and the evolving landscape of mortgage fraud.

Mortgage 101 - Protecting Canadians from Financial Risks

Clinton Wilkins Mortgage Team — Mon, 19 May 2025 04:00:00 -0300

Todd and Clinton are joined by Sandi Burns, Chief Credit Officer at Manulife Bank, to discuss her role in setting mortgage guidelines and managing the lending portfolio. She highlights Manulife's unique mortgage product, the Manulife One, which combines a checking account and mortgage, allowing customers to pay down their mortgage faster. Burns also notes the impact of economic uncertainty on consumer confidence, particularly in the residential market, and the rise in non-mortgage debt.

Mortgage 101 - Navigating Mortgage Trends

Clinton Wilkins Mortgage Team — Mon, 12 May 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins discuss the impact of the federal election, economic factors, such as interest rates, inflation, and tariffs, and their effects on the housing market and construction materials.

Mortgage 101 - The Interest Rate Impact

Clinton Wilkins Mortgage Team — Mon, 05 May 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins discuss the current state of the mortgage market, highlighting the busy spring real estate season and the impact of interest rates. Clinton notes that interest rates are trending downward but are influenced by various factors, including federal government policies and inflation. He emphasizes the importance of building long-term relationships with clients and providing personalized advice rather than just offering the lowest rates. Clinton also stresses the value of consistent advice and the importance of being proactive in addressing financial issues.

Mortgage 101 - The Effect of Urban Sprawl

Clinton Wilkins Mortgage Team — Mon, 28 Apr 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins discuss the Halifax real estate market with special guest Keith Kenny, a realtor from Century 21 Optimum. They highlight Dartmouth downtown and Fairview as good investment opportunities, noting the city's urban development and infrastructure challenges. They discuss the impact of urban sprawl on municipal services and the importance of transit and road infrastructure. Keith mentions the demand for one-level living among older buyers and the lack of affordable options in HRM. They also touch on the influence of national reports on local markets and the role of military relocations in the real estate sector.

Mortgage 101 - Transparency in Transactions

Clinton Wilkins Mortgage Team — Mon, 21 Apr 2025 05:00:00 -0300

Keith Kenny, a realtor from Century 21 Optimum with 13 years of experience, discussed the Halifax real estate market. He noted a slight increase in inventory, cautious optimism among buyers, and the impact of political and economic uncertainties. Buyers are now more cautious, with many offers being rejected. The average home price in HRM is around $633,000, with anything below $600,000 being highly competitive. Kenny emphasized the importance of accurate listing prices to avoid wasting time and setting unrealistic expectations. He also highlighted the need for transparency in transactions to avoid buyer's remorse.

Mortgage 101 - The Need for New Homes

Clinton Wilkins Mortgage Team — Mon, 14 Apr 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins discuss the mortgage industry and its challenges. Clinton talks about managing his 20,000+ clients, and the impact of external factors like elections and tariffs on client mental health. They explore the potential impact of political promises to reduce GST on new homes under $1.3 million, explaining how it could lower purchase prices. Clinton notes the need for more housing inventory in Halifax to meet demand and discusses the affordability issues.

Mortgage 101 - Getting a Good Credit Score

Clinton Wilkins Mortgage Team — Mon, 31 Mar 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins discuss the role of a mortgage broker, emphasizing their ability to offer tailored mortgage advice and access to multiple lenders. Clinton highlights his extensive experience, having managed $2 billion in mortgages, and notes the shift from branch-based mortgages to broker-assisted ones, especially for first-time homebuyers. The two also talk about the importance of a good credit score, with Clinton reviewing the best advice to achieve one.

Mortgage 101 - Home Improvement and HELOCs

Clinton Wilkins Mortgage Team — Mon, 24 Mar 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins discuss the benefits of home equity lines of credit (HELOCs) for renovations and investments. Clinton explains the role of CMHC insurance for those with less than 20% down payment, and the associated premiums. Clinton also discusses the advantages of energy-efficient upgrades, such as heat pumps and mini-splits, and the potential to refinance up to 80% of a home's value.

Mortgage 101 - Spring into Homeownership!

Clinton Wilkins Mortgage Team — Mon, 17 Mar 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins discuss the upcoming spring real estate market, noting it as the busiest time of year due to improved weather and increased buyer activity. They also discuss the impact of lower interest rates on mortgage renewals, with buyers focusing more on monthly payments than rates. The two also talk about the popularity of home equity lines of credit (HELOCs) for home upgrades.

Mortgage 101 - The Economic Reality of Tariffs

Clinton Wilkins Mortgage Team — Mon, 10 Mar 2025 05:00:00 -0300

Todd Veinotte and Clinton Wilkins discuss the potential economic impact of tariffs on the Canadian housing market, noting the uncertainty caused by political volatility in the U.S. They also discuss the upcoming Canadian federal leadership race, comparing the economic strategies proposed by Liberal frontrunner Mark Carney with those of Conservative Leader Pierre Poilievre. The conversation touches on the shift towards buying local products and the broader implications of political decisions on the economy and culture.

Mortgage 101 - Implications of the Matrimonial Property Act

Clinton Wilkins Mortgage Team — Mon, 03 Mar 2025 05:00:00 -0400

Clinton and Todd are joined again by special guest Leigh Davis, family lawyer from MDW Law.

This time, they're digging into the Matrimonial Property Act, it's provisions, and what kinds of relationship arrangements are covered under this legislation.

Mortgage 101 - Financial Literacy in Marriage

Clinton Wilkins Mortgage Team — Mon, 24 Feb 2025 05:00:00 -0400

Clinton and Todd are joined by Leigh Davis, family lawyer with MDW Law.

The three talk about what it means to practice financial literacy in a matrimonial setting, emphasizing the importance of having tough conversations before the wedding bells ring, and what services are available should matrimonial breakdown occurs.

Mortgage 101 - Impact of Tariffs on Mortgage Rates

Clinton Wilkins Mortgage Team — Mon, 17 Feb 2025 05:00:00 -0400

The news lately has been challenging to a lot of Canadians. With the threat of tariffs looming over the economy, what can borrowers expect as far as mortgage rates go?

In this episode, Clinton and Todd cut through the headlines and clickbait to give borrowers the advice they need to keep themselves and their assets safe over the next four years.

Mortgage 101 - Love Your Home

Clinton Wilkins Mortgage Team — Mon, 10 Feb 2025 08:07:59 -0400

It's February, which means it's time to talk about loving your home!

Clinton and Todd discuss the many aspects that go into loving your home, emphasizing that renovations should be enjoyed by the current owners, discouraging homeowners from renovating right before a sale.

Mortgage 101 - Next Steps with Tina Powell (Merry Debtmas 2025)

Clinton Wilkins Mortgage Team — Mon, 03 Feb 2025 05:00:00 -0400

To wrap up their Merry Debtmas conversation, Todd and Clinton invite Tina Powell from MNP Limited to discuss the next steps borrowers need to take after filing for bankruptcy or a consumer proposal.

The three explore the challenges and strategies for reestablishing credit and staying clear of additional trouble. They emphasize the importance of paying out discharges on time and the consequences of missing payments, including annulment of proposals. They also discuss the impact of bankruptcy on co-signers and the importance of not co-signing.

Mortgage 101 - Getting Out of Trouble with Tina Powell (Merry Debtmas 2025)

Clinton Wilkins Mortgage Team — Mon, 27 Jan 2025 05:00:00 -0400

Todd and Clinton continue chatting on the subject of Merry Debtmas, inviting a friend of the show to share some information that may be helpful to borrowers facing challenging financial situations.

Tina Powell, a licensed insolvency trustee from MNP Limited, discusses personal insolvency options such as bankruptcy and consumer proposals. She emphasizes the importance of confidentiality and empathy in her role, highlighting that financial stress impacts all areas of life.
Tina explains the differences between bankruptcy and consumer proposals, their allowances and demands, and reasons why a borrower may want to chose one over the other.

Mortgage 101 - Refinancing, Renewals, and Recent Changes (Merry Debtmas 2025)

Clinton Wilkins Mortgage Team — Mon, 20 Jan 2025 09:00:00 -0400

Todd and Clinton's Merry Debtmas conversation continues, this time discussing the ins and outs of mortgage refinancing and renewals, highlighting recent changes to Canadian mortgage rules.

Key points include the introduction of high-ratio insured mortgages with a 30-year amortization and an increased limit to $1.5 million. They also cover the return of high-ratio insured refinances up to 90% of the home's value, specifically for adding secondary units. Clinton emphasizes the importance of timing refinances during renewals and the complexities involved, such as zoning and financial incentives.

Mortgage 101 - New Year, Same Expert Advice (Merry Debtmas 2025)

Clinton Wilkins Mortgage Team — Mon, 13 Jan 2025 05:00:00 -0400

It's a new year which can only mean one thing: Merry Debtmas!

Todd and Clinton discuss the challenges of home ownership and financial planning in this time of rising costs and inflation. Clinton emphasizes the importance of financial literacy and planning, noting that 60% of Canadians are facing mortgage renewals with potentially strained finances.

They highlight the necessity of having a fallback plan, such as savings, and the benefits of tools like the First Home Savings Account and TFSAs. The conversation also touches on the dream of home ownership, the impact of lifestyle choices on financial health, and the role of government policies in supporting home buyers.

Mortgage 101 - Creditor Insurance and More Listener Q&A

Clinton Wilkins Mortgage Team — Wed, 11 Dec 2024 05:00:00 -0400

Mario Cloutier from Manulife joins Clinton Wilkins and Dan Ahlstrand again to discuss risk coverage for borrowers who are looking to build and the high cost of construction today. The three wrap the show by taking a listener's call, answering the questions he had on the subject of creditor insurance.

Mortgage 101 - Insurance Coverage Over the Lifespan and Listener Q&A

Clinton Wilkins Mortgage Team — Mon, 09 Dec 2024 05:00:00 -0400

Clinton Wilkins and Dan Ahlstrand are joined again by Manulife's Mario Cloutier. They discuss the types of insurance coverage borrowers should look into as they move through different phases of life. The three also field a range of call-in questions from Mortgage 101 listeners.

Mortgage 101 - Financial Protection and Mortgage Insurance

Clinton Wilkins Mortgage Team — Wed, 04 Dec 2024 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins are joined by Mario Cloutier, from Manulife, to discuss how to keep your finances protected. Cloutier advises that insurance premiums are often affordable and can be maintained at a fixed rate throughout the mortgage term, recommending both creditor and life insurance for comprehensive protection.

Mortgage 101 - Indebtedness and Looking Beyond the Bank Balance

Clinton Wilkins Mortgage Team — Mon, 02 Dec 2024 05:00:00 -0400

Clinton Wilkins and Dan Ahlstrand talk about financial literacy, highlighting the importance of understanding finances beyond just bank balances, noting that Canadians are at an all-time high of 180% debt-to-income ratio.

Mortgage 101 - All About The Income

Clinton Wilkins Mortgage Team — Mon, 25 Nov 2024 05:00:00 -0400

Dan Ahlstrand and Clinton Wilkins discuss the changing landscape of income and housing in Nova Scotia. They focus on the recent federal government announcements allowing up to 90% home equity borrowing for secondary suites.

Mortgage 101 - High Mortgage Ratio Insurance with Chris Johnson

Clinton Wilkins Mortgage Team — Mon, 18 Nov 2024 05:00:00 -0400

Chris Johnson from Sagen joins us on Mortgage 101 to discuss the importance of high-ratio mortgage insurance, which allows buyers to access homeownership with as little as 5% down, making it more affordable for Canadians.

Mortgage 101 - Real Estate Appraisals with Derek Bellefontaine

Clinton Wilkins Mortgage Team — Mon, 11 Nov 2024 05:00:00 -0400

Derek Bellefontaine, Real Estate Appraiser, with Mari Tech joins us as our guest to discuss the role of appraisers in valuing homes, which is crucial for purchasing, refinancing, and separations.

Mortgage 101 - It's Financial Literacy Month!

Clinton Wilkins Mortgage Team — Mon, 04 Nov 2024 05:00:00 -0400

Special host Dan Ahlstrand joins Clinton Wilkins to kick off Financial Literacy Month, emphasizing education on income, assets, and credit.

Mortgage 101 - Interest Rate Cuts in 2024

Clinton Wilkins Mortgage Team — Wed, 30 Oct 2024 05:00:00 -0300

Clinton Wilkins reflects on this year's discussions of the impact of interest rate cuts on consumers, noting that rates have declined by 0.25% and are predicted to reduce further by 125 to 175 basis points by the end of next year. This could potentially bring prime rates to around 4%. Clinton also highlights the importance of being organized and prepared for real estate transactions, emphasizing the need for flexibility and the right professionals.

Mortgage 101 - Urban Sprawl and Prefab Homes in 2024's Housing Market Dynamics

Clinton Wilkins Mortgage Team — Mon, 28 Oct 2024 05:00:00 -0300

Your host, Clinton Wilkins recaps this year's conversations with Todd Veinotte on the housing market in Halifax. Clinton reminds us of the need for densification due to urban sprawl and limited land availability. In 2024 we have multiple offers, but less frequently as in 2021-2022. Prefabricated homes are considered a potential solution to reduce housing costs, with economies of scale and controlled environments being key. Clinton recaps his conversation earlier this year with local realtor James Dwyer who notes a 20% increase in listings and sales, with entry-level properties remaining competitive.

Mortgage 101 - The Difference Between Qualification and Affordability

Clinton Wilkins Mortgage Team — Wed, 23 Oct 2024 05:00:00 -0300

This recap episode of Mortgage 101 highlights concerns about increasing debt levels in Canada, with Equifax reporting that mortgage holders are missing payments. We look back at one of the show's guests, Sandi Burns, from Manulife Bank, who noted that BMO exited the auto loan industry due to high arrears, predicting a peak in 2025-2026. Many Canadians are refinancing at higher rates due to pandemic-era lows, and retirees on fixed incomes are struggling. Clinton highlights what affordability means in the 2024 housing climate and advises on avoiding unnecessary debt to qualify for a mortgage.

Mortgage 101 - Recap of 2024 Real Estate Market Challenges

Clinton Wilkins Mortgage Team — Mon, 21 Oct 2024 05:00:00 -0300

In early 2024, the Ontario real estate market slowed significantly, while Nova Scotia's affordability stood out with an average home price of $500,000 in Halifax. Building costs and labour have surged due to inflation, affecting both new construction and renovations. First-time homebuyers are increasingly opting for starter homes, often in need of repairs. Atlantic Canadians are particularly burdened by debt, with 70% expressing concern about repayment. Despite high interest rates, there's cautious optimism about potential rate reductions, with predictions of a 200 basis point reduction by 2025. The housing market remains a seller's market, with a need for a more diverse inventory.

Mortgage 101 - Entering The Market

Clinton Wilkins Mortgage Team — Mon, 07 Oct 2024 05:00:00 -0300

How affordable is the Nova Scotian market? Real estate is more affordable in Nova Scotia compared to other markets. Clinton and Todd reflect on the challenges of buying starter homes, citing increased property values and stagnant income growth.

Mortgage 101 - Location, Location, Location

Clinton Wilkins Mortgage Team — Mon, 30 Sep 2024 05:00:00 -0300

So the interest rates are down, and I can finally buy a home - now where do I buy? Clinton and Todd discuss the Halifax housing market and deciding on a location in terms of housing types, commuting and fuel costs, natural disasters, insurance, and the potential for lenders to refuse mortgages in high-risk areas.

Mortgage 101 - Bank of Canada Interest Rate Cut

Clinton Wilkins Mortgage Team — Mon, 23 Sep 2024 05:00:00 -0300

Clinton and Todd discuss the Bank of Canada's recent rate cut of 25 basis points, with predictions of further cuts in October and December, opening up the market for some buyers.

Mortgage 101 - Making Lending Easy for You

Clinton Wilkins Mortgage Team — Mon, 16 Sep 2024 05:00:00 -0300

With 20 years in the mortgage industry, Clinton Wilkins and his team are undeniable experts, with quality relationships with lenders. Clinton, alongside his co-host Todd Veinotte, chats through why going through a mortgage broker versus a bank may be beneficial for you!

Mortgage 101 - Housing Starts in Nova Scotia

Clinton Wilkins Mortgage Team — Tue, 03 Sep 2024 05:00:00 -0300

Are we building enough new homes in Nova Scotia? Clinton and Todd discuss housing starts, and the Halifax market, focusing on trends in new builds, affordability concerns, and demographic shifts. The two touch on a lack of inventory causing demand crunches and advocate for the need for more housing supply to meet growing demand.

Mortgage 101 - What You Should Know About Your Mortgage Purchase

Clinton Wilkins Mortgage Team — Mon, 26 Aug 2024 05:00:00 -0300

Danielle MacLean, Clinton Wilkins, and Todd Veinotte are back to chat more on the financial aspects of real estate transactions, emphasizing the importance of proper disclosures, documentation, and transparency to ensure smooth transactions and avoid potential risks. They cover private sales, transfer taxes, joint ownership, and mortgage transfers, highlighting the need for due diligence and expert advice in navigating complex real estate deals.

Mortgage 101 - Real Estate Law 101 with Danielle MacLean

Clinton Wilkins Mortgage Team — Mon, 19 Aug 2024 05:00:00 -0300

Expert and Real Estate Lawyer, Danielle MacLean, from DCL Law joins Todd Veinotte, and Clinton Wilkins to share insights on navigating real estate transactions. They emphasized the importance of education, organization, and flexibility in preventing unexpected problems. They discuss the significance of having the right professionals on your team and being aware of the legal aspects involved in real estate transactions. By prioritizing these factors, individuals can successfully navigate the transaction process and avoid potential pitfalls.

Mortgage 101 - Interest Rates Updates

Clinton Wilkins Mortgage Team — Mon, 12 Aug 2024 05:00:00 -0300

Yet another Bank of Canada interest rate update means that Clinton Wilkins and Todd Veinotte are at the Mortgage 101 table to discuss what this means for Nova Scotians. They also get into the challenges of managing mortgage debt in a rising interest rate environment, and highlight the risks of negative amortization and the importance of proactively refinancing mortgages to avoid significant payment increases.

Mortgage 101 - Know Your Credit

Clinton Wilkins Mortgage Team — Mon, 29 Jul 2024 05:00:00 -0300

Would you bet your house you know exactly what's happening with your credit? In this episode, Clinton and Todd emphasized the importance of monitoring credit reports, correcting errors, and being cautious when sharing credit card information online.

Mortgage 101 - Anyone Can Own A Home

Clinton Wilkins Mortgage Team — Wed, 24 Jul 2024 05:00:00 -0300

Blair Patterson joins your Mortgage 101 hosts once again to continue the conversation of pride in homeownership for Pride Month in Halifax! The three of them emphasize the need for support and resources to help members of the queer community fulfill their dream of homeownership.

Mortgage 101 - Pride in Homeownership

Clinton Wilkins Mortgage Team — Mon, 22 Jul 2024 05:00:00 -0300

Clinton Wilkins, and Todd Veinotte invite Blair Patterson of Clinton Wilkins Mortgage Team to discuss some important things to note for the queer community when achieving homeownership, including affordability and safety.

Mortgage 101 - Look Out For Interest Rates

Clinton Wilkins Mortgage Team — Mon, 15 Jul 2024 05:00:00 -0300

July is hot and so is the housing market! With a Bank of Canada interest rate announcement on the horizon, your hosts Clinton and Todd sit down to discuss the current state of the Halifax real estate market, including the impact of interest rate changes and challenges faced by first-time homebuyers.

Mortgage 101 - Ready for Refinance

Clinton Wilkins Mortgage Team — Mon, 08 Jul 2024 05:00:00 -0300

Do you know of all the different reasons why you should refinance your home? Clinton and Todd explore the reasons why more Canadians have decided to refinance their home. Todd shares his personal experience with refinancing, and Clinton gives some major advice.

Mortgage 101 - Military Homebuyers

Clinton Wilkins Mortgage Team — Mon, 01 Jul 2024 05:00:00 -0300

Are you relocating this posting season? Clinton Wilkins sits down with Todd Veinotte to chat about working with lenders who have Military Programs, and some of the credit requirements involved in the process of a pre-approval.

Mortgage 101 - Bank of Canada's Interest Rate Cuts

Clinton Wilkins Mortgage Team — Mon, 24 Jun 2024 05:00:00 -0300

Clinton and Todd dive deeper into the Bank of Canada's decision to reduce the key overnight rate by 25 basis points. The two discuss how this affects mortgage rates and how it inspires confidence in the real estate market.

Mortgage 101 - Award-Winning Mortgage Advice!

Clinton Wilkins Mortgage Team — Mon, 17 Jun 2024 05:00:00 -0300

Newly awarded by the Canadian Mortgage industry for Best Media/Marketing Campaign across Canada, Clinton Wilkins, and Todd Veinotte chat about industry misconceptions, the importance of seeking advice from an unbiased mortgage professional, and the benefits of going to a full-service brokerage.

Mortgage 101 - Pay your Taxes, Monitor your Credit Score

Clinton Wilkins Mortgage Team — Mon, 03 Jun 2024 05:00:00 -0300

How important is your credit score? Clinton and Todd sit down at the Mortgage 101 table to discuss the significance of credit scores and financial health when buying a home. The two chat about the importance of understanding credit scores and repayment history, and the ongoing need for us to pay our taxes, monitor finances, particularly for self-employed individuals.

Mortgage 101 - An Uptick in Halifax Real Estate, with James Dwyer

Clinton Wilkins Mortgage Team — Mon, 27 May 2024 05:00:00 -0300

James Dwyer, of Engel & Volkers, joins Clinton Wilkins and Todd Veinotte to discuss the Halifax real estate market and why there may be a notable increase in listings and sale prices compared to last year. James gives an in-depth insight into recent Halifax real estate purchasing habits and suggests that the eventual decrease in interest rates could further strengthen consumer confidence.

Mortgage 101 - Hope in Homeownership

Clinton Wilkins Mortgage Team — Mon, 20 May 2024 05:00:00 -0300

What gives Clinton hope for increasing homeownership in Halifax? Todd Veinotte and Clinton Wilkins are back with innovative solutions for overcoming the affordability crisis in the housing market, advocating for creative approaches, and discussing the potential of prefab homes and densification in shaping Halifax's housing landscape.

Mortgage 101 - Spring Market Has Sprung

Clinton Wilkins Mortgage Team — Wed, 15 May 2024 13:26:13 -0300

It's springtime in Halifax - birds are singing, flowers are blooming, and the real estate market is booming! Clinton and Todd talk about navigating this busy time, how to find the right lender for you, and what's going on with property taxes across HRM. The two also chat about fixed versus variable rates in today's rate environment.

Mortgage 101 - Real Estate Growth in Halifax

Clinton Wilkins Mortgage Team — Mon, 13 May 2024 05:00:00 -0300

Atlantic Canada, and Halifax are all working together to keep up with the demand for the growing housing industry! Clinton and Todd dive into the real estate market trends, mortgage lending trends and the observed changes in Nova Scotia, this episode. The two chat about some great locations for buying, and the importance of having a solid pre-approval before house hunting.

Mortgage 101 - Qualifying for your First Home

Clinton Wilkins Mortgage Team — Mon, 06 May 2024 05:00:00 -0300

If you've been thinking of where you are on the checklist of qualifying for your first home, Clinton and Todd get into the specifics this episode! From the mortgage rule changes, for first time homebuyers, to the stress test, and qualification requirements, your Mortgage 101 hosts chat about everything you need to consider when taking out your first mortgage.

Mortgage 101 - Canada's 30-Year Mortgage

Clinton Wilkins Mortgage Team — Mon, 29 Apr 2024 05:00:00 -0300

What are the implications of the 30-year mortgage? Clinton and Todd sit down this episode and chat a bit more in-depth about what the 30-year mortgage means for first time homebuyers, noting the need for affordable housing options in the region, especially in urban centers like Halifax. Clinton emphasizes the importance of builders offering spec homes to cater to first-time buyers, advocating for standardized, cost-effective builds to reduce market competition and stress for buyers.

Mortgage 101 - New Budget Updates and Mortgage Incentives

Clinton Wilkins Mortgage Team — Mon, 22 Apr 2024 05:00:00 -0300

Clinton Wilkins and Todd Veinotte are back this Spring to discuss the latest budget updates, including changes in mortgages and housing incentives. Plus, a debate between Beyonce and Dolly Parton country renditions and how the new housing incentives for new builds may expand the construction industry here in Nova Scotia!

Mortgage 101 - Halifax, The Evolving Mortgage Landscape

Clinton Wilkins Mortgage Team — Mon, 08 Apr 2024 05:00:00 -0300

Clinton and Todd explore the evolving landscape of homeownership, offering insights and expertise! Join us this episode of Mortgage 101, as we dive into discussions ranging from Halifax's growing reputation, to the nuances of mortgage lending.

Mortgage 101 - Mortgage Trends and Indebtedness with Sandi Burns

Clinton Wilkins Mortgage Team — Mon, 01 Apr 2024 05:00:00 -0300

From rising debt levels to the impact of refinances and renewals, hosts Clinton and Todd sit down with guest Sandi Burns to provide insightful analysis and predictions for navigating the ever-changing landscape of homeownership. In this segment of Mortgage 101, we dive into the current trends shaping the mortgage market.

Mortgage 101 - Unveiling Mortgage Fraud with Sandi Burns

Clinton Wilkins Mortgage Team — Mon, 25 Mar 2024 05:00:00 -0300

In this episode Clinton and Todd are joined by Sandi Burns, AVP Residential and Retail Credit Risk, to talk about Mortgage fraud.

Fraud is on the rise. And not just by the those looking for illegal gains. Sandi talks about the complexity of fraud for shelter, fraud for profit and the risks of fraud that affect more than lenders and borrowers.

Clinton and Todd highlight some tips for detection and prevention, and encourage borrowers to always ask the important questions to an unbiased mortgage professional.

Mortgage 101 - Spring Into Your New Home

Clinton Wilkins Mortgage Team — Mon, 18 Mar 2024 05:00:00 -0300

Clinton and Todd are excited for Spring! They chat about the Spring Real Estate Market, being one of the biggest, and how it comes with its own set of market prices and trends. Clinton makes some predictions on what will happen once rates start to drop, and the two chat about downsizing and build options for buyers excited to spring into their new home!

Mortgage 101 - Mortgage Pre-Approvals

Clinton Wilkins Mortgage Team — Mon, 04 Mar 2024 05:00:00 -0400

This segment Clinton and Todd dive into the importance of the pre-approval process in home buying. They touch on necessary financial decisions to make before buying a home, the limitations of some home purchases and going with reputable mortgage brokers.

Mortgage 101 - Halifax Home Renovations with Dan Monk

Clinton Wilkins Mortgage Team — Mon, 26 Feb 2024 05:00:00 -0400

This segment Clinton and Todd bring on contractor and civil engineer, Dan Monk, to chat about home renovation costs and trends in Halifax, some red and green flags to look out for when hiring contractors, and some simple renovations or improvements you can make to help you love your home.

Mortgage 101 - Protecting Financial Interests in a Relationship

Clinton Wilkins Mortgage Team — Mon, 19 Feb 2024 05:00:00 -0400

This segment Clinton and Todd continue their chat about love and home improvement with an emphasis on the factor love plays in buying a home. They chat about planning for relationship breakdowns, spousal buyout options, and financial honesty and transparency in relationships.

Mortgage 101 - Love Your Home

Clinton Wilkins Mortgage Team — Mon, 12 Feb 2024 05:00:00 -0400

This segment Clinton and Todd get into loving your home and home improvement for February. They chat about the housing market, and interest rates in Halifax. Clinton makes an interesting prediction, and the two wrap up the chat with home renovation and HELOC advice.

Mortgage 101 - Mortgage Renewals and Financial Planning

Clinton Wilkins Mortgage Team — Mon, 05 Feb 2024 05:00:00 -0400

This episode we outline some of the financial planning involved with the mortgage renewal process.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help!

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Mortgage 101 - Financial Hardship and Debt Solutions with MNP

Clinton Wilkins Mortgage Team — Mon, 29 Jan 2024 05:00:00 -0400

This episode Clinton and Todd are joined by Tina Powell, a licensed insolvency trustee and Senior Vice President with MNP limited. They discuss debt trends in Atlantic Canada, financial hardship and debt solutions.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help!

Bank of Canada – No Movement on Interest Rates | January 24th 2024

Clinton Wilkins Mortgage Team — Wed, 24 Jan 2024 16:49:30 -0400

Clinton Wilkins joins CityNews with Rob Snow to talk about the latest Bank Of Canada Update for January 2024. Clinton provides some insight on what no movement of interest rates means for mortgage lenders.

Mortgage 101 - Refinancing and New Beginnings

Clinton Wilkins Mortgage Team — Mon, 22 Jan 2024 05:00:00 -0400

Are you worried about having to refinance your mortgage? This episode we cut through the stigma and dive into the reality of refinancing; the reasons why, the strategy on 'how to' and using it as a retooling to help pay off other debt.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Merry Debtmas and Mortgage Trends for 2024

Clinton Wilkins Mortgage Team — Mon, 15 Jan 2024 05:00:00 -0400

Happy New Year and Merry Debtmas from Clinton Wilkins and Todd Veinotte! In this episode, the two talk about financial literacy, debt, and mortgage trends for 2024. Clinton and Todd also talk about property valuation services, as well as the advantage of home prices in Nova Scotia today. Welcome back to Mortgage 101!

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Empowering Informed Mortgage Decisions

Clinton Wilkins Mortgage Team — Thu, 14 Dec 2023 05:00:00 -0400

In our last segment of Mortgage 101 for the year, Clinton Wilkins and Chris Turcotte, President of CENTUM Financial, chat with Todd Veinotte and answer listener questions regarding extending rates, how mortgages impact your credit score, down payment assistance in Nova Scotia, title insurance and why Unbiased mortgage professionals empower informed decisions

Mortgage 101 - Canada's Mortgage Landscape

Clinton Wilkins Mortgage Team — Mon, 11 Dec 2023 05:00:00 -0400

In our next segment of Mortgage 101 live from City News, Clinton and Todd are joined by Chris Turcotte, President of CENTUM Financial Group to answer listener questions. They discuss mobile homes, where the Canadian market is standing currently, supply and demand challenges, mortgage renewals and rate extensions.

Mortgage 101 - Streamlining Mortgage Transfers

Clinton Wilkins Mortgage Team — Thu, 07 Dec 2023 05:00:00 -0400

How can working with First Canadian Title help you in the mortgage transfer process? In this segment of Mortgage 101, live from City News, Clinton and Todd dive deeper into the mortgage transfer process and talk about how to prepare for a transfer and why FCT can streamline the process and eliminate costs for homeowners.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Bank Of Canada - The Road To Softer Rates (December 6th, 2023)

Clinton Wilkins Mortgage Team — Wed, 06 Dec 2023 16:46:11 -0400

Clinton Wilkins joins Todd Veinotte on CityNews to talk about the last Bank Of Canada Update for 2023 and what it means for the rates next year. They talk about how the job market impacts the rate environment, the benefits of a maintained rate, predictions for softer rates in the new year and the importance of financial health going into 2024.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Lender Transitions with FCT

Clinton Wilkins Mortgage Team — Mon, 04 Dec 2023 05:00:00 -0400

In a brand new edition of Mortgage 101 live from CityNews, Clinton Wilkins and Todd Veinotte welcome special guest Brenna Charles, Vice President - Sales, Broker Channel with FCT. They discuss the mechanics and benefits of changing mortgage lenders, and what to expect when you work with FCT. They also discuss the Canadian Mortgage Charter and the benefits of the stress test.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Fraud and Financing

Clinton Wilkins Mortgage Team — Thu, 30 Nov 2023 05:00:00 -0400

On our last segment from our Mortgage 101 live radio show, Clinton Wilkins and Todd Veinotte take more calls and answer their burning questions. They break down how to protect yourself against title fraud, the risks associated with clearing your mortgage and the specific stipulations for financing a tiny home.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Land Titles, Reverse Mortgages, and More

Clinton Wilkins Mortgage Team — Mon, 27 Nov 2023 05:00:00 -0400

Live from CityNews, Clinton Wilkins and Todd Veinotte answer listener’s mortgage-related questions. They discuss the land title migration system in Nova Scotia, reverse mortgages for retirees, how seniors can leverage home equity lines of credit, and mortgage options for first time home buyers.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Are You Underinsured?

Clinton Wilkins Mortgage Team — Thu, 23 Nov 2023 05:00:00 -0400

On this special live edition of Mortgage 101, Clinton and Todd dive even deeper into insurance with financial advisor Dan Lomas. They discuss why Canadians need more insurance than they usually have, the application process, the value of the home in net worth and why it’s so important to get an unbiased second opinion.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Insurance Insights From Experts

Clinton Wilkins Mortgage Team — Mon, 20 Nov 2023 05:00:00 -0400

Insurance can be intimidating and complex. That’s why it’s so important to seek out advice from unbiased professionals. In this edition of Mortgage 101, we are live at CityNews with Clinton Wilkins and Todd Veinotte, and joined by special guest Dan Lomas, financial advisor at Desjardins Financial Security Independent Network. Clinton, Todd and Dan dive into the world of insurance, discussing the differences between creditor insurance and whole life term policies, the underwriting process and how payouts and premiums are handled differently.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Unlocking Your Net Worth

Clinton Wilkins Mortgage Team — Thu, 16 Nov 2023 05:00:00 -0400

Why is owning a home so crucial to building your net worth? In the last pre-recorded segment of the year, Clinton and Todd are talking about assets and building net worth through real estate. They discuss the various kinds of assets a person can have, the value of real estate in net worth, current challenges in the Halifax housing market, and creative housing solutions.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Conquering Your Credit

Clinton Wilkins Mortgage Team — Mon, 13 Nov 2023 05:00:00 -0400

There’s so much to learn when it comes to C-word: Credit. Clinton Wilkins and Todd Vienotte are letting you know how to conquer your credit challenges in this latest edition of Mortgage 101. They discuss how free apps can help you monitor your credit, how to build and repair your credit and how to make use of credit reporting agencies. PLUS: What are the factors that go into good credit?

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - The Influence of Income

Clinton Wilkins Mortgage Team — Thu, 09 Nov 2023 16:47:08 -0400

How does your income impact your mortgage options? In this instalment of Mortgage 101, Clinton Wilkins and Todd Veinotte dive into the intricate relationship between different income types and their impact on securing a mortgage. They also talk about the various kinds of self-employment and make some predictions for interest rates in 2024.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - How To Get Financially Fit

Clinton Wilkins Mortgage Team — Mon, 06 Nov 2023 05:00:00 -0400

How can Canadians get more financially fit? In this edition of Mortgage 101, Clinton and Todd are kicking off Financial Literacy month by discussing the crucial aspects of financial literacy and preparedness. They chat about why being organized and having your documents in one place is crucial, and why you should never procrastinate on your renewal. PLUS: Why Canadians should brace for a frugal holiday season.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101- Effective Rate Solutions

Clinton Wilkins Mortgage Team — Mon, 30 Oct 2023 05:00:00 -0300

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the value of financial literacy and reviewing your rate options, especially in a time of financial hardship. Plus, learn what is in store for Financial Literacy Month in November.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Bank Of Canada – A Breath of Relief for Homeowners | October 25th

Clinton Wilkins Mortgage Team — Thu, 26 Oct 2023 11:53:19 -0300

Clinton Wilkins joins Sam Laprade on CityNews to talk about the latest update from the Bank of Canada. They discuss why homeowners can start to breathe more easy, the slow burn to softer rates, why it’s important to talk about your finances, and what homeowners can do to prepare for renewals.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - The Halifax Real Estate Landscape

Clinton Wilkins Mortgage Team — Mon, 23 Oct 2023 05:00:00 -0300

Join Clinton Wilkins and Todd Veinotte as they chat with real estate agent James Dwyer about the ever-evolving real estate landscape in Halifax. They talk about the latest market trends, the increasing competition and savviness amongst buyers, the status of entry-level homes, sought-after neighbourhoods, and the hidden gems often overlooked by buyers. Plus, gain valuable guidance on the crucial factors to consider when selecting the ideal realtor.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Mastering Mortgages In A Housing Crisis

Clinton Wilkins Mortgage Team — Thu, 19 Oct 2023 05:00:00 -0300

How can homeowners pay down their mortgages effectively during a housing crisis? Clinton Wilkins and Todd Veinotte discuss the impact of variable rates, the risk of negative amortization, static payments, potential variable rate increases, and the advantages of adjustable payments. Also, explore the pressing need for diverse housing in Halifax.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - The Rising Rate Crisis

Clinton Wilkins Mortgage Team — Mon, 16 Oct 2023 05:00:00 -0300

Many Canadians are in a crisis because of rising interest rates. How is inflation affected by our increasing rate market? In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the complex impact of high rates on inflation, how payments are affected and challenges in rural areas. Plus, why should fixed-rate borrowers up for renewal should be worried?

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - The Rate Not To Take

Clinton Wilkins Mortgage Team — Mon, 09 Oct 2023 05:00:00 -0300

In this edition of Mortgage 101 Clinton Wilkins and Todd Veinotte discuss the intricacies of mortgage rates, offering insights on what NOT to settle for and why the lowest rate might not be your best choice. They also discuss variable rates and Clinton sheds light on who should consider this option. Plus, as the demand for mortgage wisdom continues to rise among homebuyers, Clinton and Todd explore the surge in homebuyer curiosity and why the 3-year fixed rate is the most popular rate right now.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

CityNews Update - New Guidelines For The Mortgage Market | October 5, 2023

Clinton Wilkins Mortgage Team — Fri, 06 Oct 2023 12:07:14 -0300

Clinton joins Todd Vienotte on CityNews to discuss a recent news story about new mortgage guidelines for amortizations. Todd and Clintonn talk about variable and static payments, the concern around renewals, and the impact of rising mortgage rates on homeowners.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Fall for Real Estate: Down Payments & Amortizations

Clinton Wilkins Mortgage Team — Mon, 02 Oct 2023 05:00:00 -0300

In this edition of Mortgage 101, Clinton and Todd are talking rates, down payments and amortizations. The guys discuss why fall is a great real estate season, where the rates are at now, how things have changed over the years, borrowing down payments and amortization options.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101- Slow and Steady Wins The Supply Race

Clinton Wilkins Mortgage Team — Mon, 25 Sep 2023 05:00:00 -0300

In his edition of Mortgage 101, Clinton Wilkins and Todd Veinotte talk about how the pandemic has impacted inflation and the housing supply. The guys talk about inflation trends, predictions for the rates going forward, the affordable model and rising rental demand.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Natural Disasters and the Housing Market

Clinton Wilkins Mortgage Team — Mon, 18 Sep 2023 05:00:00 -0300

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the impacts natural disasters have on insurance and the housing market. The guys talk about the importance of re-evaluating insurance and the property factor in risk tolerance.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Don’t Procrastinate On Renewals

Clinton Wilkins Mortgage Team — Mon, 11 Sep 2023 05:00:00 -0300

What should we know about renewals? How do we prepare and when should we start thinking about it? Clinton Wilkins and Todd Veinotte are diving into renewals in this edition of Mortgage 101. The guys chat about why it’s important to deal with it early, the importance of advice and having an advocate and how to prepare for a renewal.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Housing and Inflation: How It Affects You

Clinton Wilkins Mortgage Team — Mon, 04 Sep 2023 05:00:00 -0300

Why is the housing market so difficult right now? In this edition of Mortgage 101, Clinton and Todd are discussing the critical issues surrounding the housing market and inflation. They talk about supply and demand issues, how inflation impacts the Bank of Canada, trends in buying rentals and the condominium market compared to freehold properties.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Striving For Stability

Clinton Wilkins Mortgage Team — Mon, 28 Aug 2023 05:00:00 -0300

In this edition of Mortgage 101, Clinton Wilkins and Todd Vienotte discuss how homeowners can find stability in today’s market. They chat about the importance of a fallback plan, why owning a home is not for everyone and how homeowners are changing their situation to be more stable.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Insurance: Don’t Set It and Forget It

Clinton Wilkins Mortgage Team — Mon, 21 Aug 2023 05:00:00 -0300

In this brand new edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing how to navigate insurance in an unpredictable world. They talk about the main issues surrounding recent disasters, why people might be underinsured, the importance of a broker, why you should always be reviewing your insurance and how climate change is affecting insurance.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Taking Control Of Your Credit

Clinton Wilkins Mortgage Team — Mon, 14 Aug 2023 05:00:00 -0300

Credit is key when it comes to getting a mortgage. In this segment of Mortgage 101 Clinton and Todd are helping you better understand your credit score. The two chat about the biggest factors that impact your score, what factors will raise more questions, what not to do before a mortgage closes and how to fix your credit issues.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Alternative Ways To Get A Mortgage

Clinton Wilkins Mortgage Team — Mon, 07 Aug 2023 16:02:00 -0300

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the various alternative ways to get a mortgage. They talk about the stress test, utilizing multiple borrowers and more.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Homeownership Strengthens Community

Clinton Wilkins Mortgage Team — Mon, 31 Jul 2023 05:01:00 -0300

In this edition of Mortgage 101, Clinton and Todd are talking all about Pride in homeownership. They discuss the challenges facing the queer community, the factors surrounding why homeownership is low in the community and discrimination in the mortgage world.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - The Wave Of Rising Rates

Clinton Wilkins Mortgage Team — Mon, 24 Jul 2023 05:00:00 -0300

How are homeowners preparing for rate increases? In a new edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the impact of interest rate increases on mortgages and how homeowners can weather the storm, according to the type of rate they are in.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Is Refinancing Right For You?

Clinton Wilkins Mortgage Team — Mon, 10 Jul 2023 05:00:00 -0300

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte revisit everything refinancing. The guys discuss the reasons why people refinance, when to do it, how it works and more.

Mortgage 101 - Lean On Your Lenders

Clinton Wilkins Mortgage Team — Mon, 03 Jul 2023 05:00:00 -0300

In this edition of Mortgage 101, Clinton Wilkins and Todd Vienotte are discussing the impacts of the recent Nova Scotia wildfires. They talk about what to do when you lose your home, how to work with your insurance, guaranteed rebuild and the importance of asking for help.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - (Not Quite) A Buyer’s Market

Clinton Wilkins Mortgage Team — Mon, 26 Jun 2023 05:00:00 -0300

Clinton Wilkins and Todd Vienotte discuss the flexibility of a variable mortgage, why we aren’t in a buyer’s market yet, and why first time homeowners are buying homes right now.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Homeowners Are Feeling The Pinch

Clinton Wilkins Mortgage Team — Mon, 19 Jun 2023 05:00:00 -0300

In our latest edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the latest increase in interest rates, how it’s creating cracks in credit profiles, misconceptions about rate increases and how to navigate the runaway train of inflation.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - Restarting At Renewal

Clinton Wilkins Mortgage Team — Fri, 09 Jun 2023 10:31:26 -0300

On the latest edition of Mortgage 101 - Clinton Wilkins and Todd Veinotte are discussing home equity lines of credits and refinancing. The guys discuss the importance of shopping around at renewal, the value of amortizing a HELOC and why refinances are more common.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!

Mortgage 101 - What Goes Up, Must Come Down

Clinton Wilkins Mortgage Team — Fri, 09 Jun 2023 10:30:23 -0300

In our latest segment of Mortgage 101, Clinton and Todd break down why people might take a variable, why it’s important to seek advice and not just consider the default, the current plateau we are in with rates, and uncertainty in the mortgage market.

Mortgage 101 - Densification In Halifax

Clinton Wilkins Mortgage Team — Mon, 22 May 2023 05:00:00 -0300

In this instalment of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the current, more stable, state of the Halifax market, the benefits of condos, residential mortgages and why people might invest in apartment buildings.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!

Mortgage 101 - The Homeownership Ladder

Clinton Wilkins Mortgage Team — Mon, 15 May 2023 05:00:00 -0300

Everyone would love to buy a home, but it can be daunting. No matter what your situation, it’s important to take the first step on the ladder. Clinton Wilkins and Todd Veinotte discuss self employment, building a nest egg for retirement, the appeal of homeownership in rural areas and why a starter home is a great first step.

Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!

Mortgage 101 - The Rundown on Renewals

Clinton Wilkins Mortgage Team — Tue, 09 May 2023 12:57:27 -0300

On the latest edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are talking all about renewals. The guys chat about how to know when your mortgage is renewing, how Canadians can prepare ahead of time to speed up the process, and why lenders are extending amortizations.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help!

Mortgage 101 - Heading Towards Balance | May 8, 2023

Clinton Wilkins Mortgage Team — Mon, 08 May 2023 02:00:00 -0300

Clinton and Todd discuss what’s going on in the Halifax housing market with real estate agent James Dwyer. They talk about the inventory issues in the market, why buyers are more conservative and why listings are sitting on the market. Clinton and Todd also chat about what to look for in a realtor, and the common challenges that can arise.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help!

Mortgage 101 - Buying A Home At Any Age

Clinton Wilkins Mortgage Team — Fri, 05 May 2023 17:09:30 -0300

There’s many ways to approach homeownership at different stages of life. Clinton Wilkins and Todd Veinotte discuss getting a mortgage at different ages, amortization options, reverse mortgages, Canada’s exemption on principal residences and how buying a home contributes to your net worth.

Curious about your mortgage or homeownership options but are not sure where to start? We're here to help!
Contact us here: https://teamclinton.ca/contact-us/

Mortgage 101 - The Business Of Housing | April 24, 2023

Clinton Wilkins Mortgage Team — Mon, 24 Apr 2023 02:00:00 -0300

On the heels of the latest Bank Of Canada announcement, Clinton Wilkins and Todd Veinotte chat about the job of a mortgage broker, interest rate predictions and why the government needs to get involved in the business of housing.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Fixed Rates and Risk Tolerance | April 10, 2023

Clinton Wilkins Mortgage Team — Mon, 10 Apr 2023 02:00:00 -0300

Clinton Wilkins and Todd Veinotte breakdown fixed and variable rates. The two discuss the differences between fixed and variable, why you might choose one over the other, and the importance of factoring in your risk tolerance.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Will Spring bloom a seller’s market? | April 3, 2023

Clinton Wilkins Mortgage Team — Mon, 03 Apr 2023 02:00:00 -0300

The market is changing. How are these changes affecting buyers and sellers? In this episode, Clinton Wilkins and Todd Veinotte talk about the changes in the market, protection for buyers and sellers, refinancing at renewal, and the different kinds of lenders.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Spring forward with a pre-approval | March 27, 2023

Clinton Wilkins Mortgage Team — Mon, 27 Mar 2023 02:00:00 -0300

Busy season is on the way for mortgages! How can you prepare? In this episode, Clinton Wilkins and Todd Veinotte talk all about pre-approvals. What should and shouldn’t you do to get pre-approved? What happens if things don’t work out? Read and watch to find out!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Impacts of consumer confidence | March 20, 2023

Clinton Wilkins Mortgage Team — Mon, 20 Mar 2023 02:00:00 -0300

The US and Canada have different banking systems but trends in the US may impact Canada more than you think. In this episode, Clinton Wilkins and Todd Veinotte discuss the complex banking system challenges in the US, what makes Canada different and how the trends in the US will impact our market.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Cohabitation, collaboration and hard conversations | March 6, 2023

Clinton Wilkins Mortgage Team — Mon, 13 Mar 2023 09:12:03 -0300

When it comes to buying a home, two incomes is certainly better than one. But even then, there can be challenges. In this episode, Clinton Wilkins and Todd Veinotte discuss cohabitation agreements and how to approach finances in your relationships.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Be smart with refinancing | Feb 27, 2023

Clinton Wilkins Mortgage Team — Mon, 27 Feb 2023 01:00:00 -0400

So you’ve decided to refinance your home. What next? Clinton Wilkens and Todd Vino discuss the process of refinancing, what to expect and how to manage investing back into your home.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Love your home | Feb 20, 2023

Clinton Wilkins Mortgage Team — Mon, 20 Feb 2023 01:00:00 -0400

Buying or selling a home involves lots of practical work. Clinton Wilkens and Todd Veinotte chat with realtor James Dwyer all about how to approach home improvements if you’re looking to sell, and the state of the current market for buyers and sellers.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

To break or not to break your mortgage | Feb 13, 2023

Clinton Wilkins Mortgage Team — Mon, 13 Feb 2023 01:00:00 -0400

So you’ve decided to refinance your home. What next? Clinton Wilkens and Todd Vino discuss the process of refinancing, what to expect and how to manage investing back into your home.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Canadians Love Homeownership | Feb 6, 2023

Clinton Wilkins Mortgage Team — Mon, 06 Feb 2023 01:00:00 -0400

What do you need to know as a new Canadian looking to buy a home? In this episode, Clinton Wilkins and Todd Veinotte talk all about mortgages for new Canadians, why Canada is a great place to buy a home and the many challenges with new construction.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Risks and Rewards in the Mortgage World | Jan 30, 2023

Clinton Wilkins Mortgage Team — Mon, 30 Jan 2023 01:00:00 -0400

It’s a stressful time for consumers. Especially for those who are on variable rates or are due for renewal. In this episode, Clinton Wilkins and Todd Veinotte chat about how consumers can protect their finances with a stress test and the flexibility of a variable rate.

These questions answered and more. Tune in to find out.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

All About Assessments | Jan. 23, 2023

Clinton Wilkins Mortgage Team — Mon, 23 Jan 2023 01:00:00 -0400

It’s property assessment time.

In this episode, Clinton Wilkins and Todd Veinotte discuss what this means to you and the industry. Why are assessments lagging behind market value? What can you do if you have an increase in your property assessment? What’s going on with property tax accounts?

These questions answered and more. Tune in to find out.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Inflation, Debt and Merry Debtmas | Jan. 16, 2023

Clinton Wilkins Mortgage Team — Fri, 20 Jan 2023 12:38:30 -0400

In the first episode of Season 5, Clinton Wilkins and Todd Veinotte ring in the New Year and discuss a client based approach for mortgage approvals. Everyone can get a mortgage, but at what cost? Understanding your options is key to making smart decisions. Clinton and Todd discuss some of the challenges for 2023 and offer some insight on how to navigate conversations around finance.

Is the New Year the right time to rethink your finances? Tune in to find out.

Welcome To Mortgage 101

Clinton Wilkins Mortgage Team — Wed, 18 Jan 2023 09:21:02 -0400

Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews, is a monthly radio show where the guys discuss everything there is to know about getting a mortgage, as well as answering listener phone-in questions.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 12 - November 23, 2022

Sarah MacLellan — Wed, 23 Nov 2022 18:00:33 -0400

In Season 4, Episode 12, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys wrap-up Financial Literacy Month by talking about how you can keep financial litercy going into the holidays, and really throughout the new year. The two also bring on special guest James Dywer, a well-known realtor in the Halifax area who knows the market in and out!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 11 - November 02, 2022

Sarah MacLellan — Wed, 02 Nov 2022 18:00:43 -0300

In Season 4, Episode 11, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys kick-off Financial Literacy Month by talking about Canada's economic climate and what Canadians can do to be proactive about their mortgage and finances.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 10 - October 19, 2022

Sarah MacLellan — Wed, 19 Oct 2022 18:00:40 -0300

In Season 4, Episode 10, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about mortgage rates, bring on special guest Christ Turcotte to talk about the real estate climates in other parts of Canada, and end the episode on a potentially controversial discussion about first time home buyers!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 9 - September 14, 2022

Sarah MacLellan — Wed, 14 Sep 2022 18:00:31 -0300

In Season 4, Episode 9, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about all the hot news topics around Canada's economy like the Bank of Canada, rate changes and inflation. They end the segment by answering the burning question: Is the fall the right time to buy a home and get a mortgage?

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 8 - August 10, 2022

Sarah MacLellan — Sun, 14 Aug 2022 21:08:52 -0300

In Season 4, Episode 8, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about everything you need to know about the economic situation in Canada, specifically how that pertains to mortgages, what it looks like to be on a variable rate mortgage, and also discuss the differences between homeownership wants and needs.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 7 - July 07, 2022

Sarah MacLellan — Thu, 07 Jul 2022 18:07:30 -0300

In Season 4, Episode 7, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about the Bank of Canada and inflation, and what that will mean for your mortgage, plus speak to special guest Engel & Völkers Realtor, James Dwyer about the Halifax real estate market, and lastly finish up with Pride and Homeownership!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 6 - June 08, 2022

Sarah MacLellan — Wed, 08 Jun 2022 18:00:09 -0300

In Season 4, Episode 6, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about variable vs fixed interest rates, refinance and update listeners on the housing market in Nova Scotia.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 5 - May 11, 2022

Sarah MacLellan — Wed, 11 May 2022 18:00:22 -0300

In Season 4, Episode 5, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about the Canadian Mortgage Awards, the proposed additional deed transfer tax for Nova Scotia home owners who are not from the province, and a current hot topic we've had many questions about recently: Alternative lending.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 4 - April 06, 2022

Sarah MacLellan — Wed, 06 Apr 2022 17:00:00 -0300

In Season 4, Episode 4, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about the upcoming Bank of Canada interest rate announcement, how you can make sure your mortgage meets your current needs, and how you can finance a new construction home!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 3 - March 09, 2022

Sarah MacLellan — Wed, 09 Mar 2022 18:00:00 -0400

In Season 4, Episode 3, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about springing into homeownership! From the Bank of Canada's increase to interest rates, renovations, updates on the housing market, and to the new trend of families giving large gifted down payments, you won't want to miss the information in this episode!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 2 - February 10, 2022

Sarah MacLellan — Thu, 10 Feb 2022 17:00:00 -0400

In Season 4, Episode 2, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk all things love in this Valentine's Day special. Learn all about how you can love your home with simple to big project improvements, how first-time home buyers can love their first home, and the details of buying a home with someone you love.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 4 Episode 1 - January 13, 2022

Sarah MacLellan — Thu, 13 Jan 2022 18:00:00 -0400

Clinton Wilkins and Todd Veinotte are back for the fourth season of Mortgage 101! In episode 1, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about Merry Debtmas and how increasing your credit and a refinance can help you recover after some overspending during the holidays.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Financial Literacy Month Special Season 3 Episode 14 - November 30, 2021

Sarah MacLellan — Tue, 30 Nov 2021 15:32:09 -0400

In this second part to the Financial Literacy Month Special of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7, the guys take a deep dive into real estate trends across Canada and bring on three special guests: Chris Turcotte, President of CENTUM Financial Group, Alex Lavender, Mortgage Broker at Clinton Wilkins Mortgage Team, and Danielle MacLean, Partner and Lawyer at DCL Law! This is the final episode of Mortgage 101 for 2021! See you next year!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 LIVE Special with Clinton Wilkins & Todd Veinotte - Season 3 Episode 13 - November 23, 2021

Sarah MacLellan — Tue, 23 Nov 2021 12:00:00 -0400

In Season 3 Episode 13, a LIVE special of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7, the guys answer questions from callers! Listen to find out more about if reverse mortgages are right for you, if variable-rates are better than fixed-rates right now, and if you can use RRSP investments as security for a mortgage without having to cash them out.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 LIVE Special with Clinton Wilkins & Todd Veinotte - Season 3 Episode 12 - November 16, 2021

Sarah MacLellan — Tue, 16 Nov 2021 12:00:00 -0400

In Season 3 Episode 12, a LIVE special of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7, the guys answer questions from callers! Listen to find out more about the home construction rate in Nova Scotia, the demand for skilled labourers, insurance and co-signers on a mortgage!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Financial Literacy Month Special Season 3 Episode 11 - November 01, 2021

Sarah MacLellan — Mon, 01 Nov 2021 13:31:37 -0300

In this Financial Literacy Month Special of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7, the guys talk about the importance of Financial Literacy and bring on two special guests: Leanne Myles, Associate Mortgage Broker at Clinton Wilkins Mortgage Team, and James Dwyer, Real Estate Agent at Engel & Völkers!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 10 - October 01, 2021

Sarah MacLellan — Fri, 01 Oct 2021 12:00:00 -0300

In Season 3, Episode 10, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about what's happening in the Atlantic Canadian housing market, and bust some misinformation around mortgages!

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 9 - September 09, 2021

Sarah MacLellan — Thu, 09 Sep 2021 17:00:00 -0300

In Season 3, Episode 9, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about the importance of a pre-approval in a seller's market, the new physician's program and getting a mortgage in a medical residency, plus the different types of insurance and how major the differences can be.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 8 - August 09, 2021

Sarah MacLellan — Thu, 12 Aug 2021 16:00:00 -0300

In Season 3, Episode 8, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about Pride in homeownership, the cost of building materials and home renovations, plus immigration and mortgage lending.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 7 - July 08, 2021

Sarah MacLellan — Thu, 08 Jul 2021 18:00:00 -0300

In Season 3, Episode 7, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about CMHC relaxing it’s mortgage insurance policies, investing in real estate, and how a refinance can benefit you this summer.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 6 - June 03, 2021

Sarah MacLellan — Thu, 03 Jun 2021 17:00:00 -0300

In Season 3, Episode 6, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about Canada's mortgage stress test, cottage purchases and problems with operating short term rentals, plus affordable housing problems and solutions.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 5 - May 06, 2021

Sarah MacLellan — Thu, 06 May 2021 17:00:00 -0300

In Season 3, Episode 5, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about the hot real estate market, mortgage rates, and property renovations.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 4 - April 08, 2021

Sarah MacLellan — Thu, 08 Apr 2021 17:00:00 -0300

In Season 3, Episode 4, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about costal development, mortgage insurance, and home renovations.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 3 - March 05, 2021

Sarah MacLellan — Fri, 05 Mar 2021 17:00:00 -0400

In Season 3, Episode 3, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about relationships with mortgage lenders, variable vs fixed mortgage rates, and home listings.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 2 - February 05, 2021

Sarah MacLellan — Fri, 05 Feb 2021 17:00:00 -0400

In Season 3, Episode 2, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about loving your home, refinancing, and properties with secondary suites.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 3 Episode 1 - January 08, 2021

Sarah MacLellan — Fri, 08 Jan 2021 17:00:00 -0400

In Season 3, Episode 1, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about how homeowners continue to move through COVID-19, changing property values, and closing costs.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 11 - November 7, 2020

Sarah MacLellan — Sat, 07 Nov 2020 12:00:00 -0400

In Season 2, Episode 11, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about credit scores, appraised home values, and spousal buyouts, in this Financial Literacy Month special.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 10 - October 17, 2020

Sarah MacLellan — Sat, 17 Oct 2020 12:00:00 -0300

In Season 2, Episode 10, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about refinance on rental properties, mid-term mortgage renewals, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 9 - September 12, 2020

Sarah MacLellan — Sat, 12 Sep 2020 12:00:00 -0300

In Season 2, Episode 9, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about reverse mortgages, interest rates, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 8 - August 22, 2020

Sarah MacLellan — Sat, 22 Aug 2020 15:00:00 -0300

In Season 2, Episode 8, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about Halifax's home vacancy rate, tips for first time homebuyers, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 7 - July 11, 2020

Sarah MacLellan — Sat, 11 Jul 2020 18:00:00 -0300

In Season 2, Episode 7, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about the CMHC, changes to mortgage qualifications, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 6 - June 6, 2020

Sarah MacLellan — Sat, 06 Jun 2020 18:00:00 -0300

In Season 2, Episode 6, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage payments, refinances, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 5 - May 9, 2020

Sarah MacLellan — Sat, 09 May 2020 18:00:00 -0300

In Season 2, Episode 5, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about banks, mortgage defaults, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 4 - April 25, 2020

Sarah MacLellan — Sat, 25 Apr 2020 18:00:00 -0300

In Season 2, Episode 4, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about COVID-19, mortgage rates, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 3 - March 15, 2020

Sarah MacLellan — Sun, 15 Mar 2020 18:00:00 -0300

In Season 2, Episode 3, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage rates, the Bank of Canada, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 2 - February 22, 2020

Sarah MacLellan — Sat, 22 Feb 2020 18:00:00 -0400

In Season 2, Episode 2, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage brokers, financial literacy, pre-approvals, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 2 Episode 1 - January 25, 2020

Sarah MacLellan — Sat, 25 Jan 2020 18:00:00 -0400

On the first episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about Debtmas, mortgage refinances, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 10 - November 30, 2019

Sarah MacLellan — Sat, 30 Nov 2019 18:00:00 -0400

In episode 10 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about your credit score, second mortgages, mortgage renewals, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 9 - November 16, 2019

Sarah MacLellan — Sat, 16 Nov 2019 18:00:00 -0400

In episode 9 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about financial literacy month, self-employment, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 8 - October 19, 2019

Sarah MacLellan — Sat, 19 Oct 2019 18:00:00 -0300

In episode 8 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage rate types, debt, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 7 - August 24, 2019

Sarah MacLellan — Sat, 24 Aug 2019 18:00:00 -0300

In episode 7 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about HELOCs, rentals vs. homeownership, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 6 - July 11, 2019

Sarah MacLellan — Thu, 11 Jul 2019 18:00:00 -0300

In episode 6 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about interest rates and changes to the prime rate.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 5 - June 22, 2019

Sarah MacLellan — Sat, 22 Jun 2019 18:00:00 -0300

On episode 5 of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about rentals, mortgage brokers, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 4 - May 4, 2019

Sarah MacLellan — Sat, 04 May 2019 18:00:00 -0300

In the fourth episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about ratios, refinances, reverse mortgages, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 3 - March 23, 2019

Sarah MacLellan — Sat, 23 Mar 2019 18:00:00 -0300

In the third episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about RRSPs, down payments, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 2 - March 2, 2019

Sarah MacLellan — Sat, 02 Mar 2019 18:00:00 -0400

In the second episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about construction mortgages, mortgage brokers, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Mortgage 101 with Clinton Wilkins & Todd Veinotte - Season 1 Episode 1 - January 26, 2019

Sarah MacLellan — Sat, 26 Jan 2019 18:00:00 -0400

In the first episode of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on News 95.7, the guys talk about mortgage brokers, fees, and answer phone-in questions from listeners.

You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca