How Mortgage Changes Impact Fernie Real Estate

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All About Change

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Chris Nowinski - Protecting Athletes from Head Injuries & Preventing CTE 27:28

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27:28

Chris Nowinski is a former football player at Harvard University and professional wrestler with WWE, World Wrestling Entertainment. After enduring a career-ending head injury, Chris has dedicated his professional life to serving patients and families affected by brain trauma, particularly Chronic traumatic encephalopathy, or CTE, a progressive neurodegenerative disease that develops after repeated head injuries. Jay and Chris discuss the state of head injuries in American athletics, the difference between advocating for head safety at youth and professional levels, Chris’ newest research, and much more. Episode Chapters (00:00) Intro (00:50) changes in the culture around concussions in the past two decades (02:39) padded helmet technology (03:55) concussion reporting in the NFL (10:35) Chris’ career path and concussion history (14:52) connecting with activists who haven’t themselves suffered a traumatic brain injury (17:42) SHAAKE - a new sign to identify concussions (20:53) Unions can help players advocate for safety policies (23:10) final thoughts and goodbye For video episodes, watch on www.youtube.com/@therudermanfamilyfoundation Stay in touch: X: @JayRuderman | @RudermanFdn LinkedIn: Jay Ruderman | Ruderman Family Foundation Instagram: All About Change Podcast | Ruderman Family Foundation To learn more about the podcast, visit https://allaboutchangepodcast.com/…

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In this episode of The Property Mindset Podcast, host Phil Gadd is joined by mortgage expert Stephanie Roughhead to break down the latest mortgage changes in Canada and their impact on the Fernie real estate market. With updates aimed at making homeownership more accessible, these changes bring new opportunities for buyers, sellers, and investors. Stephanie covers three major announcements and what they mean for anyone looking to enter or stay ahead in the market. If you're navigating the current real estate landscape, this episode is a must-listen for valuable insights and actionable advice.

Key Announcements Discussed:

Increased Insured Mortgage Limit: Starting December 15, the insured mortgage limit will increase from $1 million to $1.5 million, allowing buyers to borrow more with lower down payments.
30-Year Amortization for Insured Mortgages: First-time buyers and new-build purchasers can now access a 30-year amortization period, making monthly payments more affordable and potentially increasing buying power.
Changes to Stress Test Rules for Mortgage Transfers: As of November 21, stress tests will no longer be required for mortgage transfers between institutions, easing the refinancing process for existing homeowners.
New Refinancing Options for Suite Additions: Beginning January 15, homeowners can refinance up to 90% of the property's "as improved" value for adding legal rental suites, encouraging increased housing supply.
Potential Future Changes to the Stress Test: Stephanie shares insights on the possibility of the stress test being further modified or removed in the future, depending on economic trends.

Tune in to gain a better understanding of these changes and how they can influence your real estate decisions in Fernie and beyond. Don't miss this essential episode for staying informed and navigating the evolving mortgage landscape with confidence.

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