Real Stories In Real Estate podcast

What if you could move into your future home today, even if you don't qualify for a traditional mortgage yet?

Is rent-to-own the right path to homeownership? Denise is joined by Robyn Yack and Cheryl Koffman to explain how rent-to-own works, who it's designed for, and why it's helping more Canadians become homeowners. Learn how this strategy can benefit first-time buyers, self-employed professionals, newcomers to Canada, and anyone ...

Are you self-employed? The decisions you make at tax time can have a major impact on your future mortgage.

In this episode, Denise explains why your accountant and mortgage broker should be working together, how lenders assess self-employed income, and why planning ahead can help you qualify for better financing while still keeping your tax strategy on track. A must-listen for every business owner planning to buy or refinance. If yo...

Thinking about buying pre-construction? Before you sign, listen to this episode. Denise and real estate lawyer Gabriel Brutto discuss appraisal shortfalls, builder lawsuits, financing pitfalls, why some buyers are facing major challenges at closing and what happens when a real estate deal falls apart. Learn how to protect yourself, avoid costly mistakes, and navigate today's real estate market with confidence. 

Main Takeaways

Mortgage renewal time doesn't have to be stressful. Denise explains why renewal shock happens, what your lender isn't telling you, and how reviewing your options six months before maturity could save you thousands. Whether you're employed, self-employed, or simply worried about rising payments, this episode will help you approach your next renewal with confidence.

Key Takeaways
* Why most lender renewal offers aren't thei...

What happens when a vulnerable tenant faces a dramatic rent increase in a building exempt from rent control?

In this episode, Denise Laframboise speaks with Realtor Julia Seaton about her family's fight to protect her brother's housing while navigating Ontario's rental system. Their conversation explores tenant rights, mental health, housing affordability, disability supports, and the growing need for stronger protections fo...

In this episode of Real Stories in Real Estate, Denise Laframboise breaks down one of the most frustrating experiences self-employed business owners face: getting declined for a mortgage by their bank.

Denise explains why traditional banks often struggle to assess entrepreneurial income properly, why a “no” from the bank is not the end of the story, and how specialized mortgage strategies can help self-employed clients m...

In this episode of Real Stories in Real Estate, Denise Laframboise sits down with real estate professionals Robyn Yack and Cheryl Koffman to discuss the emotional and financial realities of selling a home during separation or divorce.

Together, they unpack the biggest mistakes separating couples make, why emotions can sabotage financial outcomes, and how having the right professionals in your corner can make all the differe...

In this episode of Real Stories in Real Estate, Denise Laframboise shares a powerful replay of a webinar that resonated with homeowners across Ontario: how to strategically get ahead before downsizing. 

Many retirees and long-time homeowners are sitting on significant home equity, but they’re not quite ready to leave their family home yet. Denise explains how today’s unique market conditions—where large homes ...

In this episode of Real Stories in Real Estate, Denise Laframboise sits down with real estate lawyer Paria Rad to break down the growing trend of co-owning property—and the legal risks most buyers never think about until it’s too late. 

With affordability challenges pushing more people to buy homes with siblings, friends, parents, business partners, and unmarried couples, co-ownership has become increasingly common....

In this episode of Real Stories in Real Estate, we break down the smartest ways parents are helping their kids get into the housing market today.

From co-signing and co-buying to gifting down payments (and even using home equity as an early inheritance), there are more options than ever—but each comes with important considerations.

We walk through the pros, cons, and potential risks of each strategy so you can m...

In this episode of Real Stories in Real Estate, Laframboise Mortgage is joined by Marlene Doss to talk about what you need to know when navigating real estate during a #separation or divorce.

We break down the key steps involved—from understanding ownership and separation agreements to handling the sale or transfer of a property. We also dive into the legal details many people overlook, including estate planning update...

In this episode, we explore how homeowners with free-and-clear homes are taking advantage of today’s market by buying their future condo now—while prices are lower—and moving later on their own terms.

Learn how strategies like reverse mortgages, refinancing, and lines of credit can unlock equity without impacting your lifestyle, giving you flexibility and control over your next move.

If you’re thinki...

The conversation delves into the world of building and renovations, highlighting the importance of understanding the building code and the growing trend of home renovations to meet changing needs. It also emphasizes the significance of proper construction and renovation practices for homeowners and contractors.

Takeaways

• Home renovations are a popular trend for homeowners looking to stay in their homes and make them work for thei...

Helping Military Members Move w/Jessica Waiting 045 RSIRE

Jessica Waiting is a Pettawawa-based real estate agent specializing in helping military and government employees move - either to another town or across the country. As a military spouse, she understands the challenges of moving. Growing up as a military family in the area, she and her husband are now raising their children in the Upper Ottawa Valley.

Government employees are ...

Ian Gibson Moving Out Of The City 044 RSIRE 

Ian Gibson has been a Durham-based real estate agent for quite a long time. His speciality is helping people consider and make a move out of big cities into more rural homes. His experience with rural properties and how they are appraised makes the transition much easier, as well as having experience with amenities in a client's new area helps out tremendously! He has worked with Laf...

Colin Byrne Buying Your First Home With Your Parents Help 043 RSIRE 

Colin Byrne shares his experience as a first time home buyer, and all the challenges that brings. He had been a renter but desired to own his own home after a roommate was moving out, so looked at condos. As with all experiences, there were positive and negative issues and he shares them to help other first time home buyers. His income matched a condo to his l...

George Dube from BDO on Building A Real Estate Portfolio 042 RSIRE 

George Dube, an accountant from BDO that specializes in Real Estate, but has a deep background in tax administration, joins Laframboise Mortgage to chat about the importance of how to start investing, and why an accountant in the beginning can be your best friend and helper. Are you going to buy 1 investment property, or 100? Do you need to incorporate or can y...

Arlen Ekstein Discusses Private Mortgages 041 RSIRE

Arlen Ekstein, Senior Associate at Tembo Financial, joins Laframboise Mortgage to discuss mortgage funds known as private mortgages. Unlike an A lender like a bank, or a B lender like other institutions, a private mortgage is usually put together with investors pooling their funds, to lend out to purchasers. Unlike the banks, the rules and restrictions can sometimes be easier to ob...

Jason Lane Offers Buying & Selling Tips For a Smooth Closing #040 RSIRE 

Jason Lane joined Woitzik Polsinelli LLP, Lawyers and Mediators in 2018 as a summer law student. Jason obtained his Juris Doctor from The University of Western Ontario in 2019 and is now an associate in our Family and Real Estate Groups.

During his time at WP, Jason has gained extensive knowledge regarding a variety of real property matters su...