Episode 238

full
Published on:

12th Nov 2025

Why Your Home Deal Is Falling Apart (And How to Avoid It)

In this week’s episode, we unpack everything shaping the Canadian real estate market right now. We explore how lenders are competing, the growing pressure of mortgage renewals, how appraisals are changing deal outcomes, and why gifted down payments are under closer scrutiny. We also break down Ottawa’s latest housing stats and what shifting job trends could mean for homeowners and buyers.

00:00 Introduction and Remembrance Day Reflection

02:06 Market Insights from the Centum Network Conference

03:20 Renewals and Market Dynamics

08:19 B Lenders not Renewing Client's Mortgages

10:36 Appraisals and Their Impact on Transactions

19:17 Gifted Down Payments and Financial Strategies

22:52 Ottawa Market Statistics and Trends

28:03 Job Market Insights and Economic Indicators

31:41 Mood Boosts

Get in touch with us!

Paul Stevenson - Mortgage Agent Level 2 

CENTUM Financial Services LP

Email: paul@paulstevenson.ca

Phone: 1-613-263-4543

https://www.paulstevenson.ca

David Warren - Mortgage Agent Level 2 

Referral Mortgages

Email: david@referralmortgages.com

Phone: 1-613-686-6003 

https://www.referralmortgages.com

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If you have a question or topic you'd like to hear us discuss send us an email at: theottawarealestatepodcast@gmail.com or leave us a comment below!


New Episodes of the podcast are available on Wednesdays at 10AM on all podcast services and at www.theottawarealestatepodcast.com 


Brought to you by Referral Mortgages, PaulStevenson.ca, Guertin/Poirier Avocates Lawyers, CENTUM, BIG - Billyard Insurance Group and Easy Neon Signs.


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About the Podcast

The Ottawa Real Estate Podcast
A weekly podcast about Real Estate, Mortgages and whatever else we want to talk about!
Welcome to The Ottawa Real Estate Podcast (TOREP)! Hosted by seasoned Mortgage Agents Paul Stevenson and David Warren, who have been bringing the Ottawa real estate market to life with the podcast for over four years. Whether you’re buying, selling, investing, or just curious, we’re here to share insider tips, untold stories, and plenty of laughs along the way.

To our loyal listeners—thank you for your support and for being part of our journey. And to our new listeners—welcome! We’re excited to have you join the conversation. Hit play, stay tuned, and let’s explore the world of real estate together! 🎉