I Love Mortgage Brokering

632: The Hidden Opportunity in U.S. Real Estate for Canadians - Mayer Dallal and Ronen Fishman

How can Canadians easily invest in U.S. real estate without the usual banking headaches?
Today we are joined by Mayer Dallal and Ronen Fishman from MBanc to discuss how Canadian investors can now access financing solutions for purchasing and refinancing U.S. investment properties.
We’ll cover:
Why Traditional Banks Fail Canadians – The challenges Canadians face when securing U.S. mortgages.
MBank’s Unique Loan Program – A simplified process designed specifically for Canadian investors.
Investment & Refinancing Opportunities – How to leverage existing U.S. properties for new purchases.
Avoiding Costly Mistakes – Tax implications, currency exchange, and the benefits of working with experts.
How Brokers Can Benefit – A streamlined referral process that helps Canadian mortgage brokers serve more clients.
If you’re a Canadian looking to invest in U.S. real estate, or a mortgage broker wanting to help clients access these opportunities, you can reach out to Ronen and Mayer through their email below:
ronen@mbanc.com
mayer@mbanc.com
https://mbanc.com/ilmb/
 
Follow Scott on Instagram: www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 
Hey guys, in this episode, I’m sitting down with Mayer and Ronen from Mbanc to talk about a game-changing opportunity for Canadian investors looking to buy property in the U.S. We dive into how they identified a massive gap in foreign national lending and created a seamless mortgage solution tailored specifically for Canadians. Mayer shares his incredible journey from starting in the banking business as a teenager to owning a mortgage bank, while Ronen talks about how his background in Canadian real estate led him to partner with Mbanc.
 
We break down the ins and outs of the loan process, how Canadians can leverage equity from their existing U.S. properties, and why refinancing can be a smarter move than selling—especially considering foreign exchange rates and tax implications.
 
Here are the talking points we covered:
How Mayer and Ronen built a mortgage solution for Canadians buying U.S. property
The gap in the market: why Canadian investors were underserved
The benefits of refinancing vs. selling U.S. properties
Key tax implications and foreign exchange strategies for Canadian investors
How Canadian mortgage brokers can use this program to grow their business
The step-by-step process for getting a U.S. mortgage through Mbanc

631: How to Work Less and Get More Done

How can mortgage brokers manage their time effectively while growing their business? In this episode, I share my proven time management strategy, the "Ideal Workweek," which has helped me and countless mortgage brokers stay productive, reduce stress, and achieve better work-life balance.
We will cover:
The Ideal Workweek Framework – How to design a structured weekly schedule to maximize productivity.
Time Blocking for Success – Planning work start/end times, client meetings, and personal commitments.
Eliminating Distractions – Cutting out non-essential tasks to focus on what truly moves the needle.
Batching Work for Efficiency – How grouping tasks and creating themed weeks can boost performance.
Leveraging Ownwell for Client Engagement – A tool that helps brokers stay top-of-mind with homeowners.
Want to start working smarter? Get my Ideal Workweek template and other mortgage business resources by joining my newsletter. 
Join my newsletter!
Ideal Workweek template
Follow Scott on Instagram: www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 
 
Here are the talking points we covered:
The concept of the Ideal Work Week and its benefits.
Steps to create an Ideal Work Week:
Set your start and end times
Determine your total weekly work hours
Identify key priorities
Eliminate low-priority tasks
Map your schedule
Incorporating essential activities like workouts, family time, and mindset practices.
The importance of reviewing and adjusting the schedule regularly.
Leveraging themes in your schedule for batching tasks efficiently.
In this episode of the I Love Mortgage Brokering podcast, I share my go-to strategy for mastering time management: the Ideal Work Week. I explain how this tool can help mortgage brokers create structure, prioritize essential tasks, and make room for client meetings to family time. Whether you’re overwhelmed by a packed schedule or just looking to improve efficiency, this episode will help you take control of your time and business.

630: Ask Me Anything With Scott Peckford

What does it take to build a mortgage brokerage that stands out, scales, and stays profitable?In this special Q&A episode, part of the BRX National Summit last January, I answer rapid-fire questions about business growth, industry challenges, and personal insights—including my biggest lessons, the future of BRX, and why I’m not buying a Cybertruck.
We’ll cover:
No Regrets, Only Lessons – I view failures as experiments, focusing on what can be learned rather than looking back.
Scaling BRX Mortgage – The unexpected challenges of rapid growth and why strong operations are crucial.
The Future of Mortgage Brokers – Why value creation beats rate competition, and how referral-based models will dominate.
Beyond Mortgages – My thoughts on BRX expanding into insurance, private lending, and even crossing into the U.S. market.
The Power of Relationships – How partnerships and personal connections fuel BRX’s success and industry influence.
 
Follow me on Instagram: www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 
What does it take to build a standout mortgage brokerage, scale it, and stay profitable? In this special Q&A episode from the BRX National Summit, I answer rapid-fire questions on business growth, industry challenges, and personal insights—including my biggest lessons, the future of BRX, and why I’m not buying a Cybertruck.
 
Here are the talking points we covered:
No Regrets, Only Lessons – Viewing failures as experiments and learning from them.
Scaling BRX Mortgage – The unexpected challenges of rapid growth.
The Future of Mortgage Brokers – Why value creation beats rate competition.
Beyond Mortgages – Potential expansion into insurance, private lending, and the U.S. market.
The Power of Relationships – How partnerships fuel BRX’s success.

629: From 700 Followers to 11,000 in 8 Months! - Andrew Thake

Want to build a mortgage business that attracts leads online? How do you turn SEO, blogging, and social media into a lead-generating machine for your mortgage business?Today we’re joined by Andrew Thake, a top mortgage broker in Ottawa. He shares how he built a thriving mortgage business by mastering SEO, blogging, and now social media—growing his Instagram to 11,000+ followers and closing 180 deals a year.
In this episode, we will cover:
SEO & Blogging Success – How writing daily blogs helped Andrew rank at the top of Google and generate 70% of his business online.
Jumping Into Social Media – Why he committed to video content, built a studio, and started posting consistently.
Content Strategy That Works – How he finds topics, writes scripts, and uses ChatGPT to refine hooks and ideas.
Video Production & Posting – The process behind creating two to three engaging videos per week.
The Long Game of Branding – Why social media isn’t just for leads but for retention, referrals, and long-term growth.
To connect with Andrew, you can check out his socials:
Instagramandrewmortgage.com
 
Follow me on Instagram: www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 
 
Imagine growing your social media following from just 700 to 11,000 in only eight months. Sounds unreal, right? Well, today's guest, Andrew Thake, did exactly that—and he's breaking down his entire process. Andrew, a veteran mortgage broker, decided to dive into social media, and the results have been game-changing. In this episode, we talk about how he creates content, finds inspiration, and balances social media with running a successful business. If you're looking to grow your online presence, this one's for you!
Here are the talking points we covered:
How Andrew skyrocketed his social media following in just eight months
The shift from blogging to video content: what worked and what didn’t
The importance of consistency in building an online presence
Where to find content ideas (Google trends, AI tools, industry trends)
Andrew’s process for scripting, filming, and editing videos
How social media plays into brand awareness and client retention
Balancing social media with running a mortgage business
The role of AI in content creation and brainstorming

628: The Effect of Tarrifs on Interest Rates and Housing - Dave Larock

How will Trump's tariffs and potential rate cuts shape the mortgage market, and what should brokers be doing to stay ahead?
Today we’re joined by Dave LaRock, returning mortgage expert and writer at Integrated Mortgage Planners. We break down the latest economic shifts, including tariffs, inflation, and interest rates, and what they mean for mortgage brokers and homebuyers.
In this episode, we’ll cover:
Tariffs and Interest Rates: How new U.S. tariffs could lead to rate cuts in Canada and what that means for borrowers.
The Bank of Canada’s Next Moves: Why history suggests policy rates could drop to 2% or lower.
Refinancing Opportunities: A unique window where bank penalties are lower than usual, making refinancing more attractive.
Fixed vs. Variable Debate: Why variable rates may be cheaper long-term but come with risks borrowers should understand.
What’s Next for Housing?: Predictions on home prices, new construction, and the impact of economic uncertainty.
To connect with Dave, you can check out the links below:
InstagramFacebookLinkedInmorplan.cawww.integratedmortgageplanners.com/blog/
 
Follow me on Instagram: www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 
 
Here are the talking points we covered:
How tariffs impact interest rates and inflation in Canada.
The Bank of Canada’s likely response to economic uncertainty.
Impact of tariffs on Canadian exports, GDP, and real estate.
Why now is a rare opportunity for refinancing with minimal penalties.
Explanation of the inverted yield curve and its implications.
Term selection strategy: fixed vs. variable in today’s market.
The importance of managing client expectations and framing mortgage advice.
 
In this episode of the I Love Mortgage Brokering podcast, I sit down with mortgage expert Dave Larock to unpack the impact of tariffs on interest rates and the Canadian housing market. We break down why the threat of tariffs alone is enough to create economic uncertainty, how the Bank of Canada may respond, and what that means for borrowers. Dave shares insights on term selection, why now is a unique window for refinancing, and why trying to time the market is a losing game. If you’re a mortgage broker looking to guide your clients through today’s rate environment with confidence, this episode is a must-listen.

627: You Don't Have a Lead Problem, You Have a Business Model Problem

Is your mortgage business struggling because of a lack of leads, or do you just have a business model problem? In this episode, we break down why traditional client retention strategies no longer work and I share a proven approach to creating a steady flow of referrals. 
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 
 
Follow Scott on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com
In this episode of the I Love Mortgage Brokering podcast, I break down a major shift happening in the mortgage industry and why the traditional client retention model isn’t working anymore. I dive into a game-changing strategy that turns each client into multiple referral opportunities, helping brokers build stronger partnerships with financial planners, accountants, and other wealth professionals. If you’re a mortgage broker looking to scale your business and future-proof your client pipeline, you won’t want to miss this episode.Here are the talking points we covered: -Why relying on renewals no longer works. -Why you must continuously grow your database. -How to turn every client into multiple referrals. -Building strong partnerships with financial pros. -Using accountability calls to secure referrals. -Brokers who bring the most value to partners become "unfireable." -Three key things partners can offer: leads, intros, and database access.

626: Breaking Into Quebec: What Mortgage Brokers Need to Know - Etienne Goudreau

What makes the Quebec mortgage industry different, and how can brokers succeed in this unique market?
 
Etienne Goudreau, principal broker for BRX Hypothèque in Quebec, joins me to discuss the key differences in mortgage regulations, compliance, and business strategies for brokers operating in Quebec.
 
In this episode we will cover:
Quebec vs. Ontario Regulations: Understanding the differences in laws, consumer protections, and compliance requirements.
Building a Mortgage Business: How Etienne transitioned from Desjardins to brokering and successfully set up a brokerage in Quebec.
Broker Compliance & Risks: The importance of record-keeping, client communication, and avoiding risky deals.
Expanding BRX into Quebec: What the launch of BRX Hypothèque means for brokers looking to grow their business in the province.
Best Practices for Brokers: The value of training, transparency, and using the right tools to stay compliant and efficient.
 
To connect with Etienne, you can check out the links below:
LinkedInEtienneGoudreau.com
 
Follow Scott on Instagram: www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 

625: How to Build a Great Culture - Hugo Neveu

My guest today is Hugo Neveu, a visionary leader who has built a thriving mortgage brokerage in Quebec, surpassing a billion dollars in volume in just three years.
 
In this episode, we’ll dive into how Hugo fosters collaboration, inspires brokers to reach their full potential, and uses technology— even handwritten letters—to build a culture that drives success. 
 
If you’re ready to transform your team and take ownership of your success, this episode is for you. Let’s dive in.
 
In this episode we will cover
Creative strategies for building an outstanding team culture
The importance of selecting the right brokers
How brokers actively contribute to planning events
 
To connect with Hugo, you can check out the links below:
 
LinkedIn
hugoneveu.com
 
Follow me on Instagram: https://www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 
In this episode, I chat with Hugo Neveu, co-President of Mortgage Consortium, a Quebec-based brokerage. Hugo shares his unique approach to building a thriving business culture, from fostering collaboration among brokers to designing systems that prioritize shared values. We explore how his team uses annual themes to align goals, recognition strategies that celebrate efficiency and teamwork, and innovative ways to inspire brokers to reach their full potential. Hugo also discusses using AI to enhance communication and uncover insights while maintaining a human touch. Listen in for an engaging conversation filled with ideas to strengthen your brokerage’s culture and elevate its success.
Here are the talking points we covered: 
Maintaining a family-like culture in a growing brokerage.
Designing culture intentionally rather than letting it form accidentally.
Weekly meetings with video on to foster engagement and collaboration.
Using annual themes to focus team efforts.
Strategies for broker involvement in decision-making and event planning.
Recognizing brokers for efficiency, collaboration, and embodying company values, not just volume.
Using AI tools to synthesize broker feedback and identify recurring themes and ideas.
Asking meaningful questions to understand barriers and goals for brokers.
The impact of intentional leadership and focusing on vision and culture.

624: How Changing Your Business Model Can Improve Your Business - Meredith Kaminsky

What’s the secret to building a thriving mortgage business while staying organized and stress-free?
 
Meredith Kaminsky is an experienced mortgage professional, shares how she leverages processes, teamwork, and client relationships to streamline operations and achieve success in the mortgage industry.
I chat with Meredith Kaminsky, a mortgage broker with One Link, who has been transforming her business since 2008. Meredith shares her approach to refining systems that drive efficiency, including leveraging trigger-based Kanban boards for task management, enhancing renewal conversations to uncover new opportunities, and building long-term client relationships through personalized outreach and effective process sheets. We also explore strategies for maximizing referrals, managing client anxiety around rising rates, and creating authentic customer experiences that lead to repeat business. Tune in to learn how thoughtful processes and proactive communication can elevate your mortgage business.
In this episode we will cover:
How Meredith’s team uses triggers and Kanban boards to stay on track and avoid missed tasks.
Strategies for easing client anxiety during renewals and uncovering opportunities for refinances.
Using process sheets and personalized touchpoints to enhance the client experience.
How networking groups and contests keep her engaged with clients and referral partners.
The importance of consistency, even with family and friends, to maintain quality service.
 
To connect with Meredith, you can check out the links below:
Instagram
Facebook
LinkedIn
https://mortgagesdoneright.ca/
 
Follow Scott on Instagram: www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 

623: What the TIkTok Ban Means for Mortgage Brokers

What should mortgage brokers do if TikTok is banned? Are you prepared to adapt your strategy to secure your business? 
 
Scott delves into the potential impact of a TikTok ban on mortgage brokers and highlights strategies for maintaining a robust social media presence and sustainable business practices.
 
In this episode, we will cover:
What the TikTok ban means for brokers and why relying solely on social media is risky.
How we rent social platforms and why building assets like email lists are important.
How we should make sustainable strategies to drive engagement and long-term success.
Why we should focus on creating content that adds value and builds community.
 
I Love Mortgage Brokering is in partnership with Ownwell.
To learn more, visit ownwell.ca. 
 
Follow Scott on Instagram: www.instagram.com/scottpeckford/
I Love Mortgage Brokering: www.ilovemortgagebrokering.com
Find out more about BRX Mortgage: www.whybrx.com
In this episode, I dive into the potential impact of a TikTok ban on mortgage brokers and explore strategies to help you maintain a strong social media presence and keep your business thriving. I’ll share tips on adapting your marketing approach, securing your business, and ensuring you're prepared for any changes ahead. Tune in for practical insights to stay ahead of the curve and keep your business growing.
Here are the talking points we covered:
Social platforms are rented spaces; brokers don’t own their content.
Explore alternatives like Instagram and YouTube Shorts for better engagement.
Prioritize email lists as a sustainable and controllable resource.
Create content that drives community, conversations, and conversions.
Make content useful and valuable to your audience.
Leverage the "5 Cs": Content → Community → Conversations → Conversions → Cash.
Start building an email list now, regardless of TikTok’s future.