<![CDATA[Keys and Capital]]>A smarter conversation about real estate, mortgages, and wealth. Hosted by mortgage agent Jonah Hoyos, Keys & Capital breaks down how to use your mortgage and property decisions to build long-term financial progress. Practical strategies, real scenarios, and clear guidance for homeowners and buyers who want to move forward with confidence.

]]>https://linktr.ee/jonahhoyosRiverside.fm (https://riverside.com)Wed, 27 May 2026 23:50:38 GMTMon, 20 Apr 2026 19:10:59 GMT60Jonah Hoyos<p>A smarter conversation about real estate, mortgages, and wealth. Hosted by mortgage agent Jonah Hoyos, Keys &amp; Capital breaks down how to use your mortgage and property decisions to build long-term financial progress. Practical strategies, real scenarios, and clear guidance for homeowners and buyers who want to move forward with confidence.</p>episodicJonah Hoyosjonah@ourexpertbroker.comno<![CDATA[Your Mortgage Is a Wealth Tool: Manulife One, Smith Manoeuvre, with Manulife Bank's Robert DiPaolo]]>The conversation covers the introduction, flexibility, and origins of ManuLife One, as well as its role in wealth building, real-time benefits, and client experience. It delves into risk, responsibility, and the incorporation of mortgages into financial planning. The discussion also explores tax-deductible investments, creating a retirement portfolio, and interest costs in wealth creation. Additionally, it addresses interest rates, the banking system, and the Smith Maneuver for tax-deductible debt. The features and benefits of Manual Life One, as well as HELOC and term portion accounts, are also highlighted, along with misconceptions about interest rates and mortgages. The conversation covers a range of topics related to mortgages, investing, wealth building, and retirement planning. It emphasizes the importance of understanding mortgage costs, incorporating mortgages with investing, and the power of mortgages in accelerating wealth. It also discusses tax-deductible interest, cash damming, rental properties, and converting mortgages to tax-deductible. Additionally, it addresses misconceptions about mortgages and wealth building, the role of brokers in financial planning, and the importance of financial planning and budgeting. The conversation highlights the role of mortgage advisors in wealth building, building wealth and retirement planning, and the importance of mortgage payment strategies.

Takeaways

  • Flexibility and freedom of ManuLife One
  • Wealth building with tax-deductible debt Understanding the true cost of mortgages
  • Incorporating mortgages with investing for wealth building

Chapters

  • 00:00 Introduction to ManuLife One
  • 07:12 Client Experience and Product Suitability
  • 12:30 Creating a Retirement Portfolio
  • 17:42 Interest Rates and Mortgage Payments
  • 25:39 Manual Life One Features and Benefits
  • 30:45 Understanding Mortgage Costs
  • 37:20 Real Estate vs. Stocks for Wealth Building
  • 45:04 The Importance of Financial Planning and Budgeting
  • 50:12 The Role of Mortgage Advisors in Wealth Building
  • 55:46 The Importance of Mortgage Payment Strategies
]]>dfc94960-9231-4fdd-9251-cc41269edd11Thu, 21 May 2026 19:07:58 GMT<p>The conversation covers the introduction, flexibility, and origins of ManuLife One, as well as its role in wealth building, real-time benefits, and client experience. It delves into risk, responsibility, and the incorporation of mortgages into financial planning. The discussion also explores tax-deductible investments, creating a retirement portfolio, and interest costs in wealth creation. Additionally, it addresses interest rates, the banking system, and the Smith Maneuver for tax-deductible debt. The features and benefits of Manual Life One, as well as HELOC and term portion accounts, are also highlighted, along with misconceptions about interest rates and mortgages. The conversation covers a range of topics related to mortgages, investing, wealth building, and retirement planning. It emphasizes the importance of understanding mortgage costs, incorporating mortgages with investing, and the power of mortgages in accelerating wealth. It also discusses tax-deductible interest, cash damming, rental properties, and converting mortgages to tax-deductible. Additionally, it addresses misconceptions about mortgages and wealth building, the role of brokers in financial planning, and the importance of financial planning and budgeting. The conversation highlights the role of mortgage advisors in wealth building, building wealth and retirement planning, and the importance of mortgage payment strategies.</p><p></p><p>Takeaways</p><ul><li>Flexibility and freedom of ManuLife One</li><li>Wealth building with tax-deductible debt Understanding the true cost of mortgages</li><li>Incorporating mortgages with investing for wealth building</li></ul><p></p><p>Chapters</p><ul><li>00:00 Introduction to ManuLife One</li><li>07:12 Client Experience and Product Suitability</li><li>12:30 Creating a Retirement Portfolio</li><li>17:42 Interest Rates and Mortgage Payments</li><li>25:39 Manual Life One Features and Benefits</li><li>30:45 Understanding Mortgage Costs</li><li>37:20 Real Estate vs. Stocks for Wealth Building</li><li>45:04 The Importance of Financial Planning and Budgeting</li><li>50:12 The Role of Mortgage Advisors in Wealth Building</li><li>55:46 The Importance of Mortgage Payment Strategies</li></ul>no00:50:14Your Mortgage Is a Wealth Tool: Manulife One, Smith Manoeuvre, with Manulife Bank's Robert DiPaolofull<![CDATA[3: Brandon Bedminster & Kristina Carpenter - Protecting your financial future]]>The conversation covers a range of topics related to financial services, including investing, inflation, compound growth, and the importance of coverage and insurance. It provides valuable insights into understanding these concepts and their impact on financial planning and decision-making.

Takeaways

  • Investing for the future
  • Understanding inflation and its impact
  • Importance of financial planning

Chapters

  • 00:00 Introduction to Financial Services
  • 10:01 Understanding Inflation and Hedging Against It
  • 20:12 Investing and Compound Growth
  • 30:01 Importance of Coverage and Insurance
]]>cd911a63-cf16-46f1-95c2-2b034a655610Thu, 14 May 2026 22:40:49 GMT<p>The conversation covers a range of topics related to financial services, including investing, inflation, compound growth, and the importance of coverage and insurance. It provides valuable insights into understanding these concepts and their impact on financial planning and decision-making.</p><p></p><p>Takeaways</p><ul><li>Investing for the future</li><li>Understanding inflation and its impact</li><li>Importance of financial planning</li></ul><p></p><p>Chapters</p><ul><li>00:00 Introduction to Financial Services</li><li>10:01 Understanding Inflation and Hedging Against It</li><li>20:12 Investing and Compound Growth</li><li>30:01 Importance of Coverage and Insurance</li></ul>no00:33:133: Brandon Bedminster & Kristina Carpenter - Protecting your financial futurefull<![CDATA[2: Zack Brittain - Building a Real Estate Portfolio from the ground up]]>Zack Brittain built his Waterloo Region real estate portfolio from the ground up, starting with a live-in duplex and scaling all the way to a 34-unit apartment building. Jonah sits down with Zack to unpack his investment thesis, how he recycled capital through refinances instead of waiting to save, his take on property management, the evolution into running a construction company, and why simple buy-and-hold strategy still beats almost everything else. Plus, a story about the 2010 gold medal game you didn't expect to hear on a real estate podcast.

]]>afd86688-a368-42bf-8141-765314ac2c98Thu, 30 Apr 2026 20:22:21 GMT<p>Zack Brittain built his Waterloo Region real estate portfolio from the ground up, starting with a live-in duplex and scaling all the way to a 34-unit apartment building. Jonah sits down with Zack to unpack his investment thesis, how he recycled capital through refinances instead of waiting to save, his take on property management, the evolution into running a construction company, and why simple buy-and-hold strategy still beats almost everything else. Plus, a story about the 2010 gold medal game you didn't expect to hear on a real estate podcast.</p>no01:01:5432: Zack Brittain - Building a Real Estate Portfolio from the ground upfull<![CDATA[The 2026 Mortgage Renewal Squeeze: Stress, Arrears & What Comes Next]]>Mortgage arrears are climbing in Canada.

Toronto homeowners missing payments have quadrupled in three years.
Power-of-sale listings are rising across Ontario.
And millions of Canadians are renewing their mortgages at significantly higher rates.

So what’s really happening?

In this episode, I break down the actual data behind the headlines and explain where mortgage stress is building, why Toronto and Vancouver are showing the most pressure, and what would need to happen for this to turn into something more serious.

We’ll cover:

• Why arrears are rising
• How the renewal wave is already impacting households
• What power-of-sale listings really signal
• Where the real risk is concentrated
• What I’m watching next in the Canadian housing market

If you have a mortgage renewal coming up or want clarity on where the market stands, this episode will give you the full picture without panic or hype.

If you’d like a second opinion on your mortgage strategy, book a call here:
👉 https://chatwithjonah.com/

]]>https://podcasters.spotify.com/pod/show/jonah-hoyos/episodes/The-2026-Mortgage-Renewal-Squeeze-Stress--Arrears--What-Comes-Next-e3f3i3rf55cf698-f43c-4881-b0fe-cd637b399b3bSat, 14 Feb 2026 19:17:48 GMT<p>Mortgage arrears are climbing in Canada.</p><p>Toronto homeowners missing payments have quadrupled in three years.<br />Power-of-sale listings are rising across Ontario.<br />And millions of Canadians are renewing their mortgages at significantly higher rates.</p><p>So what’s really happening?</p><p>In this episode, I break down the actual data behind the headlines and explain where mortgage stress is building, why Toronto and Vancouver are showing the most pressure, and what would need to happen for this to turn into something more serious.</p><p>We’ll cover:</p><p>• Why arrears are rising<br />• How the renewal wave is already impacting households<br />• What power-of-sale listings really signal<br />• Where the real risk is concentrated<br />• What I’m watching next in the Canadian housing market</p><p>If you have a mortgage renewal coming up or want clarity on where the market stands, this episode will give you the full picture without panic or hype.</p><p>If you’d like a second opinion on your mortgage strategy, book a call here:<br />👉 <a href="https://chatwithjonah.com/" rel="noopener noreferrer nofollow">https://chatwithjonah.com/</a></p> no00:14:56The 2026 Mortgage Renewal Squeeze: Stress, Arrears & What Comes Nextfull<![CDATA[What the Bank of Canada Is Really Saying About Toronto’s Condo Market]]>Toronto’s condo market just hit its lowest sales levels in decades, and headlines are everywhere claiming the Bank of Canada compared the market to a Ponzi structure.

But what did they actually mean?

In this episode, I break down what’s really happening in the Toronto condo market using real data, not headlines. We’ll walk through why condo sales have collapsed, why developers are cancelling projects, and how rising interest rates changed the entire investment math behind pre-construction condos.

More importantly, I explain what the Bank of Canada is actually warning about and why this isn’t just a real estate story. It’s a financing story that affects investors, homeowners, and anyone with a mortgage renewal coming up over the next few years.

In this episode:

  • Why Toronto condo sales fell to the lowest level since 1991

  • How the pre-construction model relied heavily on investor demand

  • What rising rates did to condo investment returns

  • Who is most exposed in today’s market

  • What I’m watching next in the Toronto housing market

If you own property, invest in real estate, or want to understand where the market is heading, this episode will give you a clear and grounded perspective without the noise.

]]>https://podcasters.spotify.com/pod/show/jonah-hoyos/episodes/What-the-Bank-of-Canada-Is-Really-Saying-About-Torontos-Condo-Market-e3esl5df65b0780-29fe-4923-80aa-5e58aa2188f4Tue, 10 Feb 2026 04:32:45 GMT<p>Toronto’s condo market just hit its lowest sales levels in decades, and headlines are everywhere claiming the Bank of Canada compared the market to a Ponzi structure.</p><p>But what did they actually mean?</p><p>In this episode, I break down what’s really happening in the Toronto condo market using real data, not headlines. We’ll walk through why condo sales have collapsed, why developers are cancelling projects, and how rising interest rates changed the entire investment math behind pre-construction condos.</p><p>More importantly, I explain what the Bank of Canada is actually warning about and why this isn’t just a real estate story. It’s a financing story that affects investors, homeowners, and anyone with a mortgage renewal coming up over the next few years.</p><p>In this episode:</p><ul><li><p>Why Toronto condo sales fell to the lowest level since 1991</p></li><li><p>How the pre-construction model relied heavily on investor demand</p></li><li><p>What rising rates did to condo investment returns</p></li><li><p>Who is most exposed in today’s market</p></li><li><p>What I’m watching next in the Toronto housing market</p></li></ul><p>If you own property, invest in real estate, or want to understand where the market is heading, this episode will give you a clear and grounded perspective without the noise.</p> no00:07:11What the Bank of Canada Is Really Saying About Toronto’s Condo Marketfull