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
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Humans today are desperate to adapt, and also too stubborn to change. On the Scott Vs. Sarah podcast, two comedians who are opposites in many ways talk about a new topic every week, in the hopes to understand one another better, and hopefully remain friends at the end. Scott MacLean is more logical. Sarah MacLellan is more emotional. This oil and water friendship is the perfect team to tackle today's ridiculous and relevant topics. Hosted on Acast. See acast.com/privacy for more information.
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The InTalksicated Podcast is Atlantic Canada’s longest running comedy talk show, hosted by comedian Sarah MacLellan. Each episode dives into the personal lives of comedians, creators & performers with long-form, unapologetic and hilariously honest conversations. InTalksicated will take you backstage and behind the curtain, getting to the heart of those who entertain us: the good, the bad and everything in between. Hosted on Acast. See acast.com/privacy for more information.
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Steve Donovan, a safety expert with fifty years diving experience, is dedicated to improving diver safety and fighting misinformation within the commercial diving industry. Information is your lifeline.
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Mortgage 101 - Location, Location, Location
13:20
13:20
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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.…
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Mortgage 101 - Bank of Canada Interest Rate Cut
9:47
9:47
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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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Making Lending Easy for You
10:20
10:20
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10:20
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!By Clinton Wilkins Mortgage Team
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Mortgage 101 - Housing Starts in Nova Scotia
9:41
9:41
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9:41
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.…
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Mortgage 101 - What You Should Know About Your Mortgage Purchase
13:28
13:28
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13:28
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,…
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Mortgage 101 - Real Estate Law 101 with Danielle MacLean
9:47
9:47
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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 an…
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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…
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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.By Clinton Wilkins Mortgage Team
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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.By Clinton Wilkins Mortgage Team
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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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Look Out For Interest Rates
10:18
10:18
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10:18
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.By Clinton Wilkins Mortgage Team
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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.By Clinton Wilkins Mortgage Team
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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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Bank of Canada's Interest Rate Cuts
9:55
9:55
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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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Award-Winning Mortgage Advice!
10:09
10:09
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10:09
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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Pay your Taxes, Monitor your Credit Score
10:06
10:06
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10:06
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-em…
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Mortgage 101 - An Uptick in Halifax Real Estate, with James Dwyer
12:56
12:56
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12:56
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 coul…
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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.…
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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.…
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Mortgage 101 - Real Estate Growth in Halifax
9:43
9:43
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9:43
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-appro…
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Mortgage 101 - Qualifying for your First Home
12:44
12:44
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12:44
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 firs…
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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 ho…
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Mortgage 101 - New Budget Updates and Mortgage Incentives
9:31
9:31
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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!…
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Mortgage 101 - Halifax, The Evolving Mortgage Landscape
9:40
9:40
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9:40
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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Mortgage Trends and Indebtedness with Sandi Burns
13:44
13:44
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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.…
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Mortgage 101 - Unveiling Mortgage Fraud with Sandi Burns
9:53
9:53
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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. Clint…
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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 …
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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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Halifax Home Renovations with Dan Monk
13:31
13:31
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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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Protecting Financial Interests in a Relationship
9:27
9:27
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9:27
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.By Clinton Wilkins Mortgage Team
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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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Mortgage Renewals and Financial Planning
8:17
8:17
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8:17
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! Contact us here: https://teamclinton.ca/contact-us/ Check us out on social media: Facebook: https://www.facebook.com/teamclintonhalifax Instagram…
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Mortgage 101 - Financial Hardship and Debt Solutions with MNP
13:15
13:15
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13:15
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! Contact us here: https://team…
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Bank of Canada – No Movement on Interest Rates | January 24th 2024
7:32
7:32
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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.By Clinton Wilkins Mortgage Team
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Mortgage 101 - Refinancing and New Beginnings
9:42
9:42
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9:42
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 …
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Mortgage 101 - Merry Debtmas and Mortgage Trends for 2024
10:20
10:20
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10:20
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 …
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Mortgage 101 - Empowering Informed Mortgage Decisions
9:23
9:23
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9:23
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…
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Mortgage 101 - Canada's Mortgage Landscape
10:39
10:39
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10:39
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.…
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Mortgage 101 - Streamlining Mortgage Transfers
9:11
9:11
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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…
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Bank Of Canada - The Road To Softer Rates (December 6th, 2023)
9:09
9:09
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9:09
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. Curi…
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Mortgage 101 - Lender Transitions with FCT
12:05
12:05
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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 b…
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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 homeown…
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Mortgage 101 - Land Titles, Reverse Mortgages, and More
11:50
11:50
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11:50
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 b…
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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 o…
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Mortgage 101 - Insurance Insights From Experts
10:30
10:30
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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 …
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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 creat…
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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 a…
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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 …
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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…
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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 her…
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