I Love Winnipeg Real Estate
Adrian Schulz
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Welcome to the I Love Winnipeg Real Estate podcast. Your premier resource for buying, owning and investing in Winnipeg’s real estate market. Hosted by Adrian Schulz, who loves all things real estate, property management and mortgage financing.
Available episodes
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Nov 8, 2022
Property Management Opportunity in Winnipeg
In this episode we chat with Carla Brown, President of Real Property Management, a Charlwood Pacific Group company. Carla provides an overview of the property management opportunity that exists right here in Winnipeg, Manitoba. For details visit https://www.propertymanagementfranchise.ca
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Aug 16, 2022
Why Pre-Approvals Are Falling Apart
Although much of what we chat about in this episode isn't necessarily new information, it certainly is very relevant at the moment. Take a listen to find out 5 reason's why mortgage pre-approvals are falling apart.
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Jun 8, 2022
Property Tax Appeals with Trevor Smith
On this episode we discuss the timely topic of property tax appeals. Trevor Smith with TGS Realty Advisors provides insight on some of the perceived risks, costs and most importantly financial savings that can be achieved from a tax appeal.
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Jun 1, 2022
Flipping Foundations with Heather & Nathan from HGTV Canada’s Hoarder House Flippers
In this episode we chat about what to look for when buying a flip, what to avoid, and designing for potential buyers. We also have a little fun talking about the joys of working with family.
Hoarder House Flippers airs Thursday at 7 p.m. CST on HGTV Canada Seeing potential property value covered by years of clutter, trash, and neglect, these intrepid flippers turn dilapidated properties into desirable homes. Each episode is helmed by one of three sets of renovators, hailing from Ontario, Quebec, and Manitoba – each with their own unique style and personality. The series premiere features Ontario couple Ryan and Kiki trimming back the mess of an overgrown ranch-style house; followed by Quebec brothers Mactar, Issa, and Khadim in the second episode, who discover their cheap flip is going to cost big bucks; then Manitoba’s Heather and Nathan transform their newly purchased eyesore in the third episode.
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May 5, 2022
Is Your Condo Board Dysfunctional?
The board of directors plays a critical role in any condominium community. First and foremost, the board's role is to serve and meet the needs of community residents, acting in a manner that is consistent with the best interests of condo owners. This requires having a strong and comprehensive understanding of the issues facing the community, as well as a commitment to a spirit of open communication and collaboration.
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Apr 6, 2022
Condo Reserve Fund Shortfalls
In a recent white paper, the Canadian Institute of Actuaries’ Longevity of Infrastructure – Reserving and Risk Management in Condo Maintenance in Canada has identified one major problem for many condo owners: they’re about to encounter large annual fee increases and lump sum payments, thanks to dwindling reserve funds.
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Mar 21, 2022
Don’t Renew Your Mortgage Blindly
When you were shopping for your first home you didn’t just jump headlong into the first property you laid eyes on and lock yourself into the first mortgage rate you came across online, did you?
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Mar 14, 2022
Improving Your Credit Score
Your credit score and how you manage credit are huge factors in qualifying for a mortgage. If you want the best interest rates and mortgage products available on the market, you want a high credit score. Here are a few things you can do to improve your credit score.
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Mar 7, 2022
Variable Rates Are Not Out To Get You
There is a lot of economic uncertainty ahead in 2022 and it has a lot of us feeling on edge. On this episode we talk about the realities of a variable rate mortgage.
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Feb 28, 2022
Neighbourhood Edition: Trudy Turner on Charleswood
On this special neighbourhood edition, we are joined by Trudy Turner, Realtor® with RE/MAX Performance Realty. In this episode we chat about Charleswood.
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Feb 21, 2022
Credit and Mortgage Financing Basics
If you’re new to managing your credit, an easy way to remember the minimum credit requirements for mortgage financing is the 2/2/2 rule. Two active trade lines established over a minimum period of two years, with a minimum limit of two thousand dollars, is what lenders are looking for.
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Feb 14, 2022
Neighbourhood Edition: Geoff Davis on River Heights
On this special neighbourhood edition, we are joined by Geoff Davis, Realtor® with Royal LePage Dynamic Real Estate - Claude Davis Team. In this episode we chat about River Heights.
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Feb 7, 2022
Mortgage Options for Older Canadians
Although it’s ideal to have your mortgage paid off by the time you retire, that isn’t always possible in today’s economy. The cost of living is considerably higher than it has ever been, and as a result, many Canadians are putting off retirement, hoping to make just a bit more money to add to that nest egg.
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Jan 31, 2022
Neighbourhood Edition: Eric Neumann on Wolseley
On this special neighbourhood edition, we're joined by Eric Neumann, Realtor® with Realty Executives First Choice. In this episode we chat about Wolseley.
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Jan 24, 2022
Understanding your Employment Status for a Mortgage
Chances are if you’re applying for a mortgage, you feel confident about the state of your current employment or your ability to find a similar position if you need to. However, your actual employment status probably means more to the lender than you might think.
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Jan 17, 2022
Bridge Financing and Deposit Lending
Let’s say you have a home that you’ve outgrown; it’s time to make a move to something better suited to your needs and lifestyle. You have no desire to keep two properties, so selling your existing home and moving into something new (to you) is the best idea
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Jan 10, 2022
Neighbourhood Edition: Tom Goodfellow on Transcona
On this special neighbourhood edition, we're joined by Tom Goodfellow, Realtor® and Broker of Goodfellow Realty in Winnipeg. In this episode we chat about Transcona.
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Jan 4, 2022
Why Down Payment Source Matters
If you’re looking to purchase a property, although you might not think it matters too much, the source of your down payment means a great deal to the lender. Let’s discuss the lender requirements, what your down payment tells the lender about your financial situation, a how down payment helps establish the mortgage loan to value.
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Dec 27, 2021
Porting Your Mortgage
Porting your mortgage is when you transfer the remainder of your current mortgage term, outstanding principal balance, and interest rate to a new property if you’re selling your existing home and buying a new one.
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Dec 20, 2021
Don‘t Forget These Items in Your Condo Budget
You might think that you can plan your budget for the upcoming year based on the previous year's expenses. Just copy and paste and you're done, right? Well, not quite. While the previous year can provide a solid, general guide for planning purposes, you will need to consider possible changes in year-over-year expenses.
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Dec 13, 2021
Understanding a Spousal Buyout Mortgage
If you’re going through or considering a divorce or separation, you might not be aware that there are mortgage products designed to allow you to refinance your property and buy out your ex-spouse.
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Dec 5, 2021
National Real Estate Investors Community
In this episode we chat with Dakotah Charron about the National Real Estate Investors Community. NREIC is an exclusive community of like minded investors with a collective goal of growth achieved through sharing resources, off market deals, capital and expertise.
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Nov 28, 2021
Make Your Mortgage Tax Deductible
In this episode we discuss how to use The Smith Manoeuvre in Canada to make your mortgage tax deductible and create wealth.
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Nov 22, 2021
Protect Yourself at your Mortgage Renewal
In this episode we discuss how it's a commonly held belief that if you’ve made your mortgage payments on time throughout the entirety of your mortgage term, that the lender is somehow obligated to renew your mortgage.
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Nov 16, 2021
Locking in a Variable Rate Mortgage
If you have a variable rate mortgage and recent economic news has you thinking about locking into a fixed rate, here’s what you can expect will happen. You can expect to pay a higher interest rate over the remainder of your term, while you could end up paying a significantly higher mortgage penalty should you need to break your mortgage before the end of your term.
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Nov 6, 2021
Why the Property Matters in Mortgage Financing
When looking to qualify for a mortgage, typically, a lender will want to review four areas of your mortgage application: income, credit, downpayment/equity and the property itself.
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Oct 31, 2021
Getting a Mortgage While on Parental Leave
If you’ve thought now is the time to find a new property to accommodate your growing family, but you’re unsure how your parental leave will impact your ability to get a mortgage, listen to this episode!
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Oct 24, 2021
Handling Annual CAM Reconciliation at a Commercial Property
Common area maintenance charges, or CAM charges, are a routine aspect of commercial property maintenance and expenditure management. When executed properly, common area maintenance charges allocate a share of property maintenance expenses to each commercial tenant.
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Oct 17, 2021
Condominium Budget Season Is Approaching
The end of the fiscal year means it's time for condominium corporations to pass a budget for the next year. Involving a committee comprised of unit owners is a smart idea to avoid any pitfalls or disagreements.
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Oct 10, 2021
Using an RRSP for a Home Purchase
Did you know there’s a program that allows you to use your RRSP to help come up with your downpayment to buy a home? It’s called the Home Buyer’s Plan (or HBP for short), and it’s made possible by the government of Canada. While the program is pretty straightforward, there are a few things you need to know.
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Oct 3, 2021
Down Payment Options
Your down payment refers to the initial payment you make when buying a property through mortgage financing. In this episode we discuss your options.
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Sep 26, 2021
Costs Associated with Buying Property
When calculating if you can afford to purchase a property, don’t just figure out a rough downpayment and quickly move on from there. Several other costs need to be considered when buying a property; these are called your closing costs.
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Sep 19, 2021
Before You Co-Sign a Mortgage
So you’re thinking about co-signing on a mortgage? Great, let’s talk about what that looks like.
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Sep 12, 2021
An Overview of the Home Buying Process
If you’re in the early stages of planning to buy either your first home or your next home, this is the episode for you!
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Sep 5, 2021
Carla Browne on vacancy rates and single family rentals in Canada
Carla Browne is the Operations Manager for Real Property Management LP. In this episode we discuss national vacancy rates and the effects Covid has had on the Canadian rental market. We also talk about why now is a good time to invest in single family rental properties.
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Aug 29, 2021
What is a Cashback Mortgage?
As the name implies, a cashback mortgage is similar to a standard mortgage, except that you receive a lump sum of cash upon closing.
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Aug 22, 2021
Standard or Collateral Charge Mortgage
When arranging mortgage financing, your mortgage lender will register your mortgage in one of two ways, either with a standard charge mortgage or a collateral charge mortgage. What's best for you?
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Aug 15, 2021
Steve Snyder on urban development and land use policies
Steve Snyder is a Director with YIMBY Winnipeg (Yes in my Backyard). In this episode we discuss how the current City of Winnipeg regulations affect land lot use and infill housing developments.
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Aug 8, 2021
Brandt Butt on independent investment advice
Brandt Butt is an Investment Advisor with Endeavour Wealth Management. In this episode we discuss the benefits of getting independent investment advice. We also talk about the option of leveraging real estate equity as part of an overall financial strategy.
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Aug 1, 2021
Finance Your Home Renovations
If you’re looking to do some home renovations but don’t have all the cash up front to pay for materials and contractors, here are a few ways to use mortgage financing to bring everything together.
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Jul 25, 2021
David Salvatore on the Manitoba Real Estate Association
David Salvatore is the CEO of the Manitoba Real Estate Association. In this episode we talk about the MREA including its decades-long advocacy efforts in eliminating education property taxes. We also discuss the incoming Real Estate Services Act (RESA) and how it modernizes real estate transactions in Manitoba.
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Jul 18, 2021
Mortgage Advice to Help You Through a Separation
With the latest stats claiming that about half of marriages end in divorce and with around three-quarters of Canadians being homeowners, it’s important to know how to handle your mortgage if you decide to separate. Here’s a list of things to consider.
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Jul 11, 2021
Albert Collu on Marathon Mortgage
Albert Collu is the President and CEO of Marathon Mortgage, a Canadian monoline lender. In this episode we discuss the benefits of using a lender that solely specializes in mortgages. We also talk about the penalties associated with breaking a mortgage term early.
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Jul 4, 2021
Gail Auriti on the transformation of 201 Portage
Gail Auriti is the Broker and Leasing Manager for Harvard Development’s 201 Portage. In this episode we discuss the transformation of Winnipeg’s crown jewel office tower at the corner of Portage and Main, most commonly known as 201 Portage Avenue (former names: TD Centre, Canwest Place, and CanWest Global Place)
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Jun 27, 2021
What Banks Won’t Tell You About Mortgage Financing
If you’re looking to buy a property or have a mortgage up for renewal, and you’re thinking about connecting with your bank directly, save yourself a lot of money and regret by listening to this episode first.
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Jun 20, 2021
Donnette Odidison on becoming a real estate agent in Winnipeg
Donnette Odidison is the Broker and Owner of RE/MAX Professionals in Winnipeg. In this episode we discuss the opportunity of becoming a real estate agent. We also discuss some of the considerations when choosing a brokerage to work with.
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Jun 13, 2021
4 Ways to Access Your Home Equity
While home equity is one of your greatest assets, accessing home equity is often overlooked when putting together a comprehensive financial plan. So if you’re looking for a way to access some of your home equity, you’ve come to the right place!
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Jun 6, 2021
Peter Squire on the current state of the Winnipeg regional real estate market as of mid-2021
Peter Squire is the Vice President, External Relations & Market Intelligence of the Winnipeg Regional Real Estate Board. In this episode we discuss the latest transaction volumes and values. We also talk about multi-family, vacant land sales and the new mortgage stress test.
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May 30, 2021
Larry Fayle on Manulife Bank of Canada
Larry Fayle is a Business Development Manager with Manulife Bank of Canada. In this episode we talk about Manulife Bank as a direct alternative to the big five chartered banks. We also discuss the Manulife One product and the new conventional mortgage offering.
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May 22, 2021
Fixed-Rate or Variable-Rate Mortgage?
If you're looking to buy a new property, refinance, or renew an existing mortgage, chances are, you're considering either a fixed or variable rate mortgage. Figuring out which one is the best is entirely up to you! So here's some information to help you along the way.
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May 16, 2021
Courtney Johnson on buying home insurance
Courtney Johnson is a Business Development Specialist with nuera Insurance. In this episode we talk about purchasing property insurance online from a national insurance brokerage vs local. We also discuss the difference between mutual and global insurance companies.
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May 9, 2021
Brock Zimak on mortgage protection insurance
Brock Zimak is an Insurance Broker with PMZ Financial Services. In this episode we talk about the things to consider when purchasing mortgage protection insurance. We also discuss alternative insurance solutions to the default products that are offered by Banks, Credit Unions and Mortgage Brokers.
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May 1, 2021
Lorne Weiss on the Manitoba Tipi Mitawa housing program
Lorne Weiss is Co-Chair of the Manitoba Tipi Mitawa program. In this episode we talk about how through a partnership by the Assembly of Manitoba Chiefs and the Manitoba Real Estate Association, The Manitoba Tipi Mitawa (MTM) program helps First Nations families wishing to purchase their first home.
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Apr 25, 2021
Steve Ennis on CMHC insured multi-family residential financing
Steve Ennis is a Regional Manager, Strategic Lending Group with CMLS Financial. In this episode we talk about Canada Mortgage and Housing Corporation (CMHC) insured multi-family residential financing. We also discuss how it’s easier than investors may think to grow from one to four units into true multi-family apartment blocks in Winnipeg and surrounding areas.
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Apr 17, 2021
Bruce Gemmel on new homes in Grande Pointe Meadows
Bruce Gemmel is a New Home Sales Agent with Qualico’s Broadview and Sterling Homes brands. In this episode we talk about the new home opportunities in Grande Pointe Meadows which is located just outside of the Perimeter Highway in the RM of Ritchot and has been designed to embrace rural living within a neighbourhood design.
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Apr 11, 2021
Garret Wong on rental property management
Garret Wong is the President and Founder of Upper Edge Property Management. He is also the current President of the Professional Property Managers Association of Manitoba. In this episode we talk about rental property management and the benefits of using a professional vs self managing.
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Apr 3, 2021
Clay Purves on how a separation or divorce affects the home
Claw Purves is a Lawyer at Assiniboia Law Group with locations in Winnipeg and Selkirk. In this episode we talk about the potentially difficult effects of separation or divorce on a home. We also discuss who and how someone can keep the home.
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Mar 27, 2021
Carla Brenan on using a professional interior designer
Carla Brenan is an interior designer with Carla Brenan Design in Winnipeg. In this episode we talk about the benefits of hiring a professional vs doing it yourself, cost considerations and common misconceptions. Carla also shares some easy and affordable tips that can immediately improve your home.
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Mar 21, 2021
Mike McLenehan on rental property taxation
Mike McLenehan CPA, CGA is the founder of McLenehan and Associates Chartered Professional Accountants with two locations Winnipeg. In this episode we talk about holding investment properties personally vs in a corporation. We also discuss some of the tax implications to consider.
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Mar 14, 2021
Donna Hodgson on title insurance
Donna Hodgson is a Regional Manager with the Chicago Title Insurance Company (Canada) In this episode we talk about residential title insurance. We discuss what title insurance typically covers and what sets Chicago Title apart from its competitors.
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Mar 7, 2021
Dodi Kozak on the CHIP Reverse Mortgage by HomeEquity Bank
Dodi Kozak is a Business Development Manager with HomeEquity Bank. In this episode we talk about the CHIP Reverse Mortgage, a financial solution designed for Canadian homeowners 55 years of age or older. We’ll discuss the benefits, potential risks, costs and eligibility associated with obtaining a reverse mortgage.
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Feb 28, 2021
Timothy Browaty on residential property appraisals
Timothy Browaty is an Appraiser with Browaty & Associates. His clientele includes several major financial institutions and various real estate companies. In this episode we talk about the current state of residential appraisals in Winnipeg and market vs assessed vs appraised real estate values.
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Feb 21, 2021
Dave Sarlo on home inspections in Winnipeg
Dave Sarlo is the Owner and a Registered Home Inspector with NorthStar Inspections. He is a graduate of the Carson Dunlop Home Inspector Training Program, a premier home inspection training program. It is built around The Home Reference Book, which has become the gold standard in the home inspection profession. In this episode we talk about the importance and benefits of a home inspection.
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Feb 15, 2021
Marina James on the Winnipeg Regional Real Estate Board and 2021 market outlook
Marina R. James is the Chief Executive Officer of the Winnipeg Regional Real Estate Board (WRREB), formerly known as WinnipegREALTORS®. She is a seasoned executive having spent much of her career in senior real estate asset management roles. In this episode we talk about the recent WRREB name change and what to expect in 2021.
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Feb 7, 2021
Maureen Hancharyk on the Canadian Condominium Institute
Maureen Hancharyk is Manitoba Chapter President of the Canadian Condominium Institute, commonly known as CCI. She is also actively involved in her own community, Stonecrest Condominiums in Winnipeg. In this episode we talk about CCI, membership benefits, and the importance of being involved in your own condominium corporation.
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Feb 1, 2021
Whelan Sutherland on the former Kapyong Barracks and the First Nation Urban Economic Development Zone
Whelan Sutherland is Chief Executive Officer of Treaty One Development Corporation and a proud member of Peguis First Nation. In this episode we talk about the former Kapyong Barracks 160 acre project, nearby property values, and community benefits of what has been historically referred to as an Urban Reserve.
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Jan 30, 2021
Sherie Turek on real estate in the Interlake, and affordable cottage life
Sherie Turek is a REALTOR® and the Broker/Owner of Gateway Real Estate. She and her REALTOR® husband Jeff Dueck operate from their home-base in St Laurent on Lake Manitoba. In this episode we talk about rural living in the Interlake, and affordable cottage life just 45-minutes outside Winnipeg.
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Jan 24, 2021
Stewart Elston on condominium living in Winnipeg
Stewart Elston is a REALTOR®, and Alternate Broker with Powell Property Group. He is also the 2021 President of the Manitoba Real Estate Association (MREA) In this episode we talk about the differences of condominium vs single family home lifestyle and some of the important things to look out for when buying a condo.
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Jan 17, 2021
Ian Restall on choosing a real estate lawyer, closing costs, and holding companies
Ian Restall is a lawyer with one of Winnipeg’s oldest law firms, Restall & Restall and a University of Manitoba Business Law Instructor. In this episode we talk about choosing a lawyer, closing costs, and other things to consider when purchasing real estate.
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Jan 14, 2021
Josh King on the recent changes to the condominium insurance market
Josh King is a commercial insurance broker and President of Ruban Insurance. In this episode we talk about the change of the insurance landscape specifically affecting condominium corporations and what proactive steps can be taken to lessen the impact of premium increases.
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Jan 14, 2021
Trudy Turner on real estate for seniors and downsizing
Trudy Turner is a full service Winnipeg REALTOR® and Seniors Real Estate Specialist (SRES®) with RE/MAX Performance Realty. In this episode we talk about seniors transitioning from a house to a home more suitable for the next phase of their lives.
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Jan 14, 2021
Al Keith on buying and renovating his River Heights home
Al Keith is a kitchen and home renovation expert with TENTEN Kitchens & Contracting. In this episode we talk about his own journey of recently purchasing a 100+ year old River Heights home, renovating it and then reaping the benefits of $160,000 equity growth.
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Jan 14, 2021
Catherine Schellenberg on real estate teams, 2020 market results, and forecasts
Catherine Schellenberg is a seasoned Winnipeg REALTOR®, Team Leader and Past President (2020) of WinnipegREALTORS®. In this episode we talk about the real estate “team” trend, past year market insight and 2021 forecasts.
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Jan 12, 2021
Introduction with Adrian Schulz
The goal with the I Love Winnipeg Real Estate podcast is to provide you valuable information on how you can benefit from buying, owning and investing in the Winnipeg stable and growing real estate market.
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