Mortgage 101 with Clinton Wilkins & Todd Veinotte
Clinton Wilkins Mortgage Team
Listen to Recent Episodes
Mortgage 101 - Home Improvement and HELOCs
Mar 24 2025 • 14 mins
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!
Mar 17 2025 • 11 mins
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
Mar 10 2025 • 11 mins
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.