Mortgage 101 with Clinton Wilkins
Business & Finance
About
Mortgage 101 with Clinton Wilkins, 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
Episodes
- Mortgage 101 - Why the Real Estate Market Just Woke Up
Clinton Wilkins and Dan Ahlstrand discuss how the Bank of Canada's decision to maintain the key overnight rate is influencing the Canadian real estate market.
- Mortgage 101 - How Spring Weather Impacts the Housing Market
Clinton Wilkins and Dan Ahlstrand explored alternative lending options, highlighting the diverse range of mortgage products accessible to consumers.
- Bank of Canada Update: April 29th
Dan Ahlstrand and Clinton Wilkins review the Bank of Canada's anticipated interest rate hold, noting the backdrop of geopolitical tensions.
- Mortgage 101 - City Condo or Country Acreage?
Alex Lavender joins hosts Dan Ahlstrand and Clinton Wilkins on Mortgage 101 to discuss property tax assessment caps and how they affect homebuyers.
- Mortgage 101 - Halifax Housing Crunch
Clinton Wilkins and Dan Ahlstrand discuss the current housing market in Halifax with mortgage broker Alex Lavender.
- Mortgage 101 - Why More Homebuyers Are Choosing Variable Rates This Spring
Clinton Wilkins and Dan Ahlstrand discuss the increasing popularity of variable-rate mortgages among homebuyers this spring. They examine factors like rate volatility and inflation, and explain how to align mortgage strategies with individ…
- Mortgage 101 - Approved vs. Affordable
Clinton Wilkins and Dan Ahlstrand discuss the importance of hiring professionals for home renovations and obtaining a mortgage pre-approval.
- Mortgage 101 - The One Cheap Upgrade Buyers Love
Clinton Wilkins and Dan Ahlstrand discuss a popular, inexpensive home upgrade for sellers. They also cover strategies for selling a home during the spring market, highlighting the value of staging.
- Bank of Canada Update: March 18th
On Mortgage 101, Clinton Wilkins and Dan Ahlstrand review the Bank of Canada's recent decision. The key interest rate remains unchanged at 2.25%, a move influenced by prevailing economic uncertainties.
- Mortgage 101 - Why Spring is the Best Time to List Your Home
Clinton Wilkins and Dan Ahlstrand talk about the spring real estate market with Alex Tremblay from Century 21 Optimum.
- Mortgage 101 - Spring Into Homeownership
Clinton Wilkins and Dan Ahlstrand discuss the spring housing market, identifying it as the busiest period of the year.
- Mortgage 101 - Love Your Home
In Mortgage 101, Dan Ahlstrand and Clinton Wilkins explore the idea of "loving your home." They share insights and advice on navigating homeownership throughout different phases of life.
- Mortgage 101 - The Real Cost of Ending a Marriage
In this episode of Mortgage 101, hosts Clinton Wilkins and Dan Ahlstrand are joined by Derek Sonnichsen of MDW Law to discuss legal protections during divorce, focusing on property division.
- Mortgage 101 - Safeguarding Your Home and Heart
Derek Sonnichsen from MDW Law discusses with hosts Clinton Wilkins and Dan Ahlstrand the importance of open conversations about finances and debts before entering into a relationship.
- Mortgage 101 - What Nova Scotia’s New 2% Down Program Really Means
In Mortgage 101, Clinton Wilkins and Dan Ahlstrand discuss the new Nova Scotia program for first-time homebuyers. The program allows buyers to purchase a home with a down payment as low as 2%, a reduction from the previous 5% requirement.
- Mortgage 101 - Refinance Reality Check
In this episode of Mortgage 101, Dan Ahlstrand and Clinton Wilkins delve into the realities of refinancing mortgages. They highlight the importance of fully understanding the refinancing process, especially as your mortgage renewal date ap…
- Bank of Canada Update: January 28th
On January 28th, the Bank of Canada announced its decision to hold the key interest rate at 2.25%. This rate aligns with existing economic projections.
- Mortgage 101 - How to Get a Mortgage After Bankruptcy
Clinton Wilkins and Dan Ahlstrand host Tina Powell to discuss common misconceptions about bankruptcy and consumer proposals, particularly concerning obtaining a mortgage.
- Trailer: Mortgage 101 2026
Mortgage 101 with Clinton Wilkins is back for 2026. The podcast discusses mortgages and answers listener questions, as heard on CityNews.
- Mortgage 101 - Bankruptcy Isn't a Dirty Word
Clinton Wilkins and Dan Ahlstrand host Tina Powell, a licensed insolvency trustee, to discuss the state of consumer insolvency in Nova Scotia.
- Mortgage 101 - Merry Debtmas
In this episode, Dan Ahlstrand and Clinton Wilkins delve into the concept of 'Merry Debtmas.' They encourage listeners to review their financial situations and consider refinancing as a strategy to lower their borrowing costs.
- Mortgage 101 - Beyond the Bank
Clinton Wilkins and Dan Ahlstrand, with guest Adrian Schulz, explore how mortgage brokers provide access to a broader selection of lenders and financial products than traditional banks.
- Mortgage 101 - Protecting Your Future With the Right Insurance
Clinton Wilkins and Dan Ahlstrand discuss mortgage protection insurance with guest Mario Cloutier from Manulife. They highlight the importance of this insurance and state that 83% of Canadians are underinsured.
- Mortgage 101 - Make Your Move in Canada’s Market
On Mortgage 101, Jim Spitalli, COO of Sagen, joins hosts Clinton Wilkins and Dan Ahlstrand to discuss how Sagen's mortgage insurance helps individuals with under 20% down payment purchase homes and enter the Canadian market.
- Mortgage 101 Live - Financial Fitness for First-Time Homebuyers
Clinton Wilkins and Dan Ahlstrand explain the importance of understanding income, assets, and credit for Canadians, particularly in the context of economic challenges such as high inflation and recession.
- Mortgage 101 - Building Wealth Through Homeownership
Clinton Wilkins and Dan Ahlstrand discuss financial literacy and assets, emphasizing homeownership
- Mortgage 101 - Credit Myths Busted
In this episode of Mortgage 101, Clinton Wilkins and Dan Ahlstrand debunk common myths about credit scores. They highlight the significance of financial literacy and the need to understand how credit is used and managed.
- Mortgage 101 - Bank of Mom and Dad & Beyond
In this episode of Mortgage 101, host Clinton Wilkins and guest Dan Ahlstrand explore the implications of self-employment on income assessment and mortgage eligibility.
- Mortgage 101 - Financial Literacy Month
Dan Ahlstrand and Clinton Wilkins discuss the importance of financial literacy, highlighting the need for education on credit, income, and assets during Financial Literacy Month. They address the lack of this instruction in school curricul…
- Mortgage 101 - Building Your Path to Homeownership
In Mortgage 101, host Clinton Wilkins and his team address listener questions regarding homeownership, down payment savings, and the current mortgage environment.
- Mortgage 101 - Navigating Canada’s Changing Mortgage Landscape
Clinton Wilkins and guests discuss the evolving Canadian mortgage market, including rising fraud, stricter regulations, and the role of family in assisting first-time homebuyers.
- Mortgage 101 - How to be a Smart Borrower
This "Best of 2025" episode of Mortgage 101 features Clinton Wilkins discussing key trends in homeownership and mortgage lending. He provides guidance on the responsible use of home equity lines of credit.
- Mortgage 101 - What’s Next for Homeowners?
This episode of Mortgage 101 with Clinton Wilkins recaps the year by discussing the outlook for Canadian homeowners, including options for mortgage renewals, refinancing, debt consolidation, and adjusting amortization periods.
- Mortgage 101 - Back to School, Back to Savings
Clinton and Dan discuss financial literacy, mortgage rates, and housing market trends. They highlight Atlantic Canada's rising property values and affordability challenges, noting $29.40/hour is needed to live in HRM.
- Mortgage 101 - Rates, Risks & Real Estate
In Mortgage 101, Clinton Wilkins and Dan analyze the current mortgage market, discussing interest rate trends, potential reductions by the Bank of Montreal, and the advantages of variable over fixed rates.
- Mortgage 101 - Student Mortgages Unlocked
Dan and Clinton discuss the challenges of student housing in Halifax, noting high costs and limited availability. They observe a shift towards more student housing sales and discuss the financial viability of purchasing a condo for student…
- Mortgage 101 - Atlantic Advantage: Why Our Market Stays Strong
In this episode of Mortgage 101, host Clinton Wilkins and guest Dan Ahlstrand analyze the current Atlantic housing market. They observe a more balanced market compared to previous years, with a particular trend for higher-priced listings r…
- Mortgage 101 - What Happens After The Smoke Clears
This episode discusses how recent fires affect insurance costs and explores the high expenses and complexities associated with new home construction. Hosts also explain different mortgage structures, including turnkey and draw financing.
- Mortgage 101 - Refinancing The Right Way
Clinton and Todd discuss how inflation affects interest rates and the housing market, explaining net worth components and the nuances of refinancing, including amortization and payment options.
- Mortgage 101 - Advice for Modern Buyers
Clinton Wilkins discusses the significant impact of inflation and debt on Canadian home ownership, noting high average mortgage debt and stagnant incomes. He advises prioritizing needs over wants to navigate current economic challenges.
- Mortgage 101 - The Mortgage Mindset
Todd and Clinton discuss their mortgage show's evolution, Clinton's experience in the industry, and his role at Mortgage Professionals Canada. They also cover his recent business growth and the complexities of serving high-net-worth client…
- Mortgage 101 - Pride, Politics, and Property
Clinton and Todd discuss Pride in Homeownership, the impact of political uncertainty and interest rates on the housing market, and affordability challenges. They note trends in family gifts for down payments, demographic shifts, and challe…
- Mortgage 101 - Unlocking Homeownership
In this episode of Mortgage 101, Clinton and Blair discuss how mortgage payments are structured with interest and principal. They highlight the stress test's role in ensuring affordability and protecting borrowers, noting its importance ev…
- Mortgage 101 - Mortgages Without Judgement
Guest Blair Patterson joins Clinton Wilkins on Mortgage 101 to discuss listener questions on home buying preparation, savings, interest rates, and credit scores. They also address challenges for queer clients in the housing market and high…
- Mortgage 101 - Pride in Homeownership
Clinton Wilkins and Todd Veinotte discuss how Pride Month intersects with homeownership, highlighting lower homeownership rates among queer individuals. They cover socioeconomic barriers and relationship dynamics impacting lending within t…
- Mortgage 101 - Responding to the Threat of a Data Breech
Clinton Wilkins and Todd Veinotte discuss protecting yourself from data breaches. They recommend free credit monitoring apps like Borrowell and Credit Karma, and suggest paid services for more comprehensive protection, alongside fraud aler…
- Mortgage 101 - The Importance of Aging in Place
Todd Veinotte, Clinton Wilkins, and Trevor Gordon discuss the importance of aging in place for retirees, focusing on reverse mortgages from Home Equity Bank. They cover the benefits, flexibility, eligibility, and how the equity-driven prog…
- Mortgage 101 - Making Financial Freedom for Retirees
On Mortgage 101, Todd Veinotte and Clinton Wilkins spoke with Trevor Gordon of Home Equity Bank about reverse mortgages. Gordon clarified that the bank does not seize property and helps retirees stay in their homes.
- Mortgage 101 - Navigating the Real Cost of Home Ownership
Clinton Wilkins and Todd Veinotte discuss the financial impact of government policies on the mortgage market, including a new HST exemption and rising home ownership costs. They also cover unexpected expenses and property value concerns.
- Mortgage 101 - Challenges Faced by First-Time and Foreign Buyers
Todd and Clinton discuss the complexities of mortgage lending, fraud prevention, and challenges for first-time homebuyers. They also cover the impact of the foreign buyers ban on the Halifax market and the need for new home construction.