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The Real Deal Pod: Allister Carrington & Geoff Lee’s Pro Insights in Real Estate: Daily Summaries Delivered
by Allister Carrington
Welcome to ”The Real Deal Pod,” where industry experts Allister Carrington, founder of Allister Carrington Real Estate, and Geoff Lee from GLM Mortgages join forces to bring you Pro Insights in Real Estate. Join us in insightful conversations about the ever-dynamic real estate market, delve into mortgage rates, and gain valuable knowledge that empowers you in your property journey. Our commitment to authenticity and personalized service shines through as we navigate the intricacies of the real estate landscape. Get ready for an engaging and informative podcast that goes beyond the surface, helping you make informed decisions in the world of real estate. Tune in and stay ahead with Allister Carrington and Geoff Lee – your trusted guides in the real estate realm.
Latest Episodes
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- 4 days ago44 min
Ep. 103 — Future-Proof Your BC Mortgage, CREA 2026 Forecast & Why Rate Is the Wrong First Question
6 out of 10 BC homeowners break their mortgage within 3 years — and most of them only ever asked one question before signing: what's the rate? In Episode 103 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee explain why that single focus is the costliest mistake in BC mortgage borrowing, and what to ask instead. Geoff walks through a practical framework for future-proofing your BC mortgage: prepayment privileges, portability options, how BC mortgage penalties are calculated at big six banks versus credit unions and monoline lenders, and why the answers to these questions can mean the difference of thousands of dollars when life changes — a move, a divorce, a job relocation, an upsizing, or a debt restructure. They also cover the CREA 2026 national real estate forecast update, the Bank of Canada's sixth consecutive rate hold at 2.25%, and why a lower revised annual sales number actually signals stabilization — not decline — in the BC real estate and Fraser Valley markets. What you'll learn: CREA revises 2026 national sales forecast down 1.4% — what it really means for BC real estate Bank of Canada holds at 2.25% for six straight meetings — and why it matters for BC buyers National MLS Home Price Index stable May to June — first time since January 2025 Why asking "what's the rate?" is the wrong first question for a BC mortgage The 4 BC mortgage personality questions that protect you when life changes Why 6 in 10 BC homeowners break their mortgage within 3 years — and what triggers it BC mortgage penalty calculations: big six banks vs. credit unions vs. monoline lenders Prepayment privileges and portability — what to ask before signing any BC mortgage Real case study: $53K consumer debt restructured using home equity saves $3,000/month in BC The $300,000 average gifted family down payment — how BC parents are accessing home equity to help Why buying a 2-bedroom instead of a 1-bedroom is future-proofing your life, not just your mortgage Hosted by Allister Carrington | Fraser Valley Realtor | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com
- 5 days ago49 min
Ep. 102 — How Much Income to Buy a Home in BC, June 2026 Market Stats & Your Full Borrowing Power Formula
How much income do you need to buy a home in BC? It's the question every buyer in the Fraser Valley and Metro Vancouver is asking — and in Episode 102 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee answer it with real numbers across Vancouver, the Fraser Valley, and Canada-wide. They also cover the June 2026 BC real estate stats, including a significant milestone: for the first time in years, detached homes, townhomes, and condos all saw year-over-year sales increases in Metro Vancouver. The Fraser Valley now sits 26% below its 2022 peak — and the sales-to-active ratio in Metro Vancouver has moved into balanced market territory at 14.6%. What you'll learn: June 2026 Fraser Valley real estate stats — benchmark pricing, days on market, inventory, and the sales-to-active ratio Metro Vancouver June 2026 update — 9.6% sales increase year-over-year and what it means How much income you need to buy a BC condo, townhome, or detached home — Vancouver and Canada-wide numbers The full BC mortgage borrowing power formula: income, debts, credit score, and down payment Why every $600 monthly payment takes $100,000 off your BC mortgage approval Why credit score matters as much as income on a BC mortgage application The stress test: how it works, when it applies, and the one time it doesn't Down payment strategy — when paying off consumer debt first gives you more buying power Why now may be the best time in years to buy real estate in BC — and why the media isn't saying it If you're a first-time buyer in the Fraser Valley, a move-up buyer watching the Metro Vancouver market, or simply trying to understand what you can actually afford in BC, this episode gives you the honest numbers and the full picture. Hosted by Allister Carrington | Fraser Valley Realtor | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com
- Jun 30, 202657 min
Ep. 101 — BC Mortgage Application Secrets, the $2,100 Renewal Win & BC's Strata Training Gap
One BC family saved $2,100 a month at BC mortgage renewal — not by getting a lower rate, but by restructuring their consumer debt. Another saved $800. And 70% of BC homeowners renewing their mortgage this year will never have that conversation. In Episode 101 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee share what 15+ years and thousands of BC mortgage applications have taught them about what lenders actually look for — income, job stability, credit, and savings — and the mistakes that quietly cost BC borrowers thousands. They also cover a BC condo issue that directly affects 1.5 million British Columbians: the people running your strata corporation have zero mandatory training in BC. Ontario requires seven hours of free online training for every new condo director. BC requires nothing — yet. Allister and Geoff break down why this gap matters for every BC condo buyer, what it means for strata fees and special assessments, and why Ontario's 75–85¢ per square foot strata fee benchmark should make every BC condo owner ask harder questions about their building's financial health. What you'll learn: • The BC mortgage application truth: income matters, but job stability matters equally • The 2-2-2 credit rule that BC lenders look for — and why closing your cards hurts you • Why a 740 credit score with no active credit is still a red flag on a BC mortgage application • How small debts kill BC mortgage borrowing power — car loans, student loans, credit card balances • The real cost of the BC mortgage renewal loyalty tax — and how to fix it • Real case study: $38,000 in consumer debt restructured at renewal saves $2,100/month • Why qualifying for a BC mortgage doesn't mean you can afford it • BC strata councils: zero mandatory training, millions in responsibility • BC vs. Ontario strata fees — why BC's 30–50¢ per sq ft may be setting owners up for surprise assessments • The $511M unlicensed BC mortgage fraud case and the October rule changes coming If you own a BC condo, are coming up for BC mortgage renewal, or are buying a home in the Fraser Valley or Metro Vancouver, this episode covers what your bank and broker should already be telling you. Hosted by Allister Carrington | BC Realtor, KIC Realty | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com
- Jun 24, 202640 min
Ep. 100 — BC Condo Crisis, the Government Buyout Plan & Using Home Equity to Build Wealth in BC
BC real estate just hit a milestone that should stop every buyer, investor, and homeowner in their tracks — and so did The Real Deal Pod. Episode 100. Vancouver's BC condo market now has 4,376 finished, empty, unsold condos — a 76% jump in 12 months and the highest level since the mid-1990s. This week, the federal and provincial governments announced a $3.2 billion plan to buy more than 2,200 of those vacant BC condos and convert them to affordable housing. In Episode 100, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee break down what that plan actually does, who it's designed to protect, and whether it will finally move the BC real estate market. Then Geoff walks through how BC homeowners with built-up equity can use it right now — without selling — to invest in BC rental properties, upgrade into a larger home, or build long-term wealth through smart leverage. What you'll learn: • Vancouver's BC condo oversupply crisis — 4,376 empty units, and why Burnaby and Richmond account for nearly half • The $3.2B government buyout plan — is it saving BC homebuyers or bailing out overleveraged BC developers? • Why a housing shortage and a housing surplus can exist in BC real estate at the same time • How BC homeowners can access home equity through refinancing and lines of credit — without selling • Real-world case study: $1M BC home, $500K mortgage, $300K equity put to work in BC investment property • Rental property vs. vacation property — what actually builds wealth in BC • Pre-sale risks in the BC market in 2026 and what BC investors need to understand • CMHC net worth data: own a BC home in your 30s ($440K) vs. rent ($44K) — and what that becomes by 65 • StatsCan Q1 2026: Canadian household net worth up 1.3% — BC housing still driving wealth 100 episodes. One message. Build your net worth. The best time to buy BC real estate is when you can. Hosted by Allister Carrington | BC Realtor, KIC Realty | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com
- Jun 24, 202648 min
Ep. 99 — BC Realtor Mistakes That Cost Buyers Thousands, May 2025 Market Stats & Properties That Won't Qualify
BC real estate is sitting at 11 of every 100 homes finding a buyer — and the mistakes happening inside that market are quietly costing BC homebuyers thousands of dollars. In Episode 99 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee deliver the May 2025 Fraser Valley and Metro Vancouver real estate stats, then go deep on the realtor mistakes they see every single week. What you'll learn: • May 2025 Fraser Valley real estate — 1,124 sales, 10,000+ homes for sale, and prices down 7–9% by property type • The move-up buyer opportunity hiding in today's BC real estate market — and why the math works right now • Why first-time buyers in BC still aren't acting despite having the money and the market conditions • The BC realtor mistake that costs buyers most: showing homes to buyers without verified pre-approval documents • BC properties that may not qualify for mortgage financing — acreage over 10 acres, self-managed condos, flagged strata buildings, grow-ops, mobile homes, leasehold land, rural properties • Strata documents — what BC realtors are legally allowed to say, and the $30,000 special assessment surprise • Why strata fees (up to $900/month) are the number BC buyers forget to factor in • Conditions in purchase agreements — why removing them before they're met is one of the most dangerous mistakes a BC buyer can make • How to build the right power team for a BC home purchase: realtor, mortgage broker, solicitor Plus — Episode 100 is next week. Something big is coming. Hosted by Allister Carrington | Realtor, KIC Realty | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com
- Jun 1, 202651 min
Ep. 98 — BC Pre-Sale Condo Crisis, Mortgage Rate Holds Explained & BC's Stalled Housing Deal
A BC developer hid a $12 million CRA judgment, lost their home warranty and building permit — and still tried to force pre-sale buyers to close. The Eclipse Condo Crisis in Burnaby is now a case study for every pre-sale buyer in BC, and in this episode of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee break down exactly what happened and what it means for you. They also cover BC's ongoing delay in accepting Ottawa's housing affordability deal — with eight major BC housing organizations, including BCREA, now formally urging the province to stop stalling on billions in federal assistance that could save BC homebuyers tens of thousands of dollars. And they flag the emerging townhome investment trend taking hold across Western Canada. Then Geoff delivers a thorough breakdown of BC mortgage rate holds: what a rate hold actually protects you from, why a pre-approval without verified documents is worthless, what happens when rates drop during your hold period, and why the lowest mortgage rate in BC isn't always the best mortgage product. What you'll learn: The Eclipse Condo Crisis — how a Burnaby pre-sale developer concealed a $12M CRA debt from buyers Why every BC pre-sale buyer needs independent realtor representation — regardless of market conditions Why BC is delaying the federal housing affordability deal while Ontario's program delivers results Why townhomes are becoming the go-to investment in Fraser Valley and across Western Canada BC mortgage rate holds: what they are, what they protect, and what they don't guarantee Why pre-approvals without documents can collapse deals — a real-world case study Full-frills vs. no-frills mortgages and why rate isn't everything If you're buying a pre-sale in BC, currently house hunting in the Fraser Valley, or in the process of getting a BC mortgage, this is the episode that could save you from a very costly mistake. Hosted by Allister Carrington | Fraser Valley Realtor, KIC Realty | www.AllisterCarrington.com and Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com
- May 22, 202655 min
Ep. 97 — BC Housing Affordability, Carney's Plan, Eby's Record & the Real Reason Buyers Are Sitting Out
BC housing affordability just became federal business — but can BC's provincial government actually deliver? In Episode 97 of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee break down PM Carney's proposed structural changes to BC housing, examine why every major BC housing policy to date has backfired, and make the case for why BC real estate in 2026 represents one of the most significant buying opportunities in a generation. What you'll learn: What Carney's housing affordability plan for BC actually proposes — and what the Ontario model achieved Why BC housing policies like the Airbnb ban, home flipping tax, and foreign buyers ban hurt the market instead of helping it The CMHC net worth data every renter in BC needs to hear: owners at 65 have $1.3M, renters have $11,900 Why BC real estate will not crash — the economic and structural reasons The psychology behind why qualified BC buyers are sitting out: it's FOMAM, not affordability Where BC mortgage rates — fixed and variable — are likely heading in the next 3–5 years Why 2026 may be the window that future buyers look back on with regret If you're renting in the Fraser Valley or Metro Vancouver, or you're a BC real estate or mortgage professional serving first-time buyers, this is the episode that cuts through the noise. Hosted by Allister Carrington | Realtor, KIC Realty | www.AllisterCarrington.com and Geoff Lee | Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com
- May 11, 202641 min
Ep. 96 — BC Real Estate April Stats: Why Qualified Renters Still Aren't Buying (And How to Change That)
BC real estate posted its first year-over-year sales increase in over 12 months, and Fraser Valley real estate prices are stabilizing — so why aren't more BC renters making a move into homeownership? In this episode of The Real Deal Pod, Fraser Valley realtor Allister Carrington and BC mortgage broker Geoff Lee break down the April 2025 BC real estate and Fraser Valley real estate stats, dig into what's really happening with the Metro Vancouver and BC condo market, and have an honest conversation about why so many qualified renters across BC still aren't buying. What you'll learn: April 2025 Fraser Valley real estate numbers — sales up 7% year over year, inventory 45% above the 10-year average Why detached homes are moving while the BC condo market struggles The psychology behind why first-time home buyers in BC hesitate — and how to break through it How a BC mortgage broker approaches turning renters into buyers using real numbers What first-time buyers in the Fraser Valley actually need to get started If you're renting in BC and wondering whether now is the right time to buy, or if you're a real estate or mortgage professional looking to better serve first-time buyers, this episode delivers the straight talk you need. Hosted by Allister Carrington | Realtor, KIC Realty | www.AllisterCarrington.com Co-hosted by Geoff Lee | BC Mortgage Broker, GLM Mortgage Group | www.GLMmortgage.com
About The Real Deal Pod: Allister Carrington & Geoff Lee’s Pro Insights in Real Estate
Welcome to ”The Real Deal Pod,” where industry experts Allister Carrington, founder of Allister Carrington Real Estate, and Geoff Lee from GLM Mortgages join forces to bring you Pro Insights in Real Estate. Join us in insightful conversations about the ever-dynamic real estate market, delve into mortgage rates, and gain valuable knowledge that empowers you in your property journey. Our commitment to authenticity and personalized service shines through as we navigate the intricacies of the real estate landscape. Get ready for an engaging and informative podcast that goes beyond the surface, helping you make informed decisions in the world of real estate. Tune in and stay ahead with Allister Carrington and Geoff Lee – your trusted guides in the real estate realm.
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