Cover art for podcast Real Talk With Gary - Real Estate Investing

Real Talk With Gary - Real Estate Investing

168 EpisodesProduced by Gary Hibbert Real Estate InvestorWebsite

Gary Hibbert is a Full Time Real Estate Investor, Licenced Real Estate Agent, achieving various Realtor awards and an Educator. In 2008, he purchased his first investment property and through hard work and dedication, left the regiment of the corporate world to become a Full Time Entrepreneur in 201… read more


Episode 59 - Mortgage discussion during COVID-19 with Daniel Patton

One of the things I’ve learned over the years is to surround yourself with the best in the industry and Daniel Patton is just that! A partner of Smart Home Choice, Daniel has been a mortgage agent for over 18+ years with a personal ranking of 17th across Canada for 2019 with Butler Mortgages (who recently ranked #1)... now that’s impressive!

On this Podcast we discuss the current market conditions, the major changes the Bank of Canada has introduced and is now the right time to refinance? and so much more. Learn from the best to be the best! 

What you'll learn

  • Why variable rate mortgages are lower than fixed right now
  • What happened on Friday March 13th!
  • Why prime rate dropped 1% in one week
  • Why prime - X% discounts are being removed for most new mortgages
  • Why Prime +40 might cheaper than Prime -40!
  • Why fixed rate mortgages are more expensive right now due to risk
  • Why the Bank of Canada rate is dropping yet some mortgages are going UP due to the bond market
  • Rates are only one factor in a mortgage - features, options and more are important too
  • As debt grows governments will have to prop up the system to avoid a collapse
  • Why B lenders are financing 75% not 80% at the moment
  • Why A & B lenders have different qualification rules regarding income
  • Why brokers can ‘get creative’ with income
  • How is Genworth, a mortgage insurance company handling layoffs
  • How temporary and potentially permanent layoffs are affecting approvals
  • Why you do your homework and prepare questions before contacting a mortgage agent
  • Why you shouldn’t Google interest rates, as they are many factors that influence rates
  • Why investors sacrifice rate for options by choosing a lender
  • Is now a good time to refinance your mortgage? It depends on mortgage type, renewal date & penalty
  • Will Lines of Credit be more restricted?
  • Should you take advantage of the mortgage deferral?
  • How is the deferral structured and will it affect your credit?
  • Documentation is key to assist your broker or lender - bank balances, investment statements, RRSPs, etc
  • Why you should provide your lender with an overall plan to assist with lending
  • And MORE!


Daniel Patton has worked in the mortgage business for over 18 years and has established himself as one of the top mortgage agents in Canada.  Along with his business partner Dave Butler of Butler Mortgages, Daniel has helped grow Butler Mortgage into the number 1 brokerage for investors by working closely with his clients on a day to day basis. 

Whether it be a self-employed investor, first time investor or seasoned veteran looking for ways to acquire more properties, Daniel and his team have years of experience planning and strategically helping investors from all areas both inside and outside of Ontario.

"Investors, much like houses come in all different shapes and sizes, we must adapt to their situation and find ways to get approvals.  Not every situation is alike and some require more time and patience, we strive on putting together a plan and working closely with our investors and love helping them achieve their financial goals and freedom."

Daniel was Ranked as the #17 mortgage broker in Canada in 2019 by CMP Magazine and along with his team of investor savvy mortgage experts, they look to build on what is already been an amazing journey. 

Website/contact info for guest


Interested in learning more about Real Estate Investing? Visit

Educational emoji reaction


Interesting emoji reaction


Funny emoji reaction


Agree emoji reaction


Love emoji reaction


Wow emoji reaction


Are you the creator of this podcast?

Verify your account

and pick the featured episodes for your show.

Listen to Real Talk With Gary - Real Estate Investing


A free podcast app for iPhone and Android

  • User-created playlists and collections
  • Download episodes while on WiFi to listen without using mobile data
  • Stream podcast episodes without waiting for a download
  • Queue episodes to create a personal continuous playlist
RadioPublic on iOS and Android
Or by RSS
RSS feed

Connect with listeners

Podcasters use the RadioPublic listener relationship platform to build lasting connections with fans

Yes, let's begin connecting
Browser window

Find new listeners

  • A dedicated website for your podcast
  • Web embed players designed to convert visitors to listeners in the RadioPublic apps for iPhone and Android
Clicking mouse cursor

Understand your audience

  • Capture listener activity with affinity scores
  • Measure your promotional campaigns and integrate with Google and Facebook analytics
Graph of increasing value

Engage your fanbase

  • Deliver timely Calls To Action, including email acquistion for your mailing list
  • Share exactly the right moment in an episode via text, email, and social media
Icon of cellphone with money

Make money

  • Tip and transfer funds directly to podcastsers
  • Earn money for qualified plays in the RadioPublic apps with Paid Listens