WATCH

▶️ ⁠Watch this episode on YouTube⁠

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EPISODE DESCRIPTION

In this episode, Dean and Jason are joined by Alex Dey. Alex is the Vice-President of Portfolio Optimization at Scotiabank, who has been with the company for the past 22 years.

As one of Canada’s largest banks, Scotiabank's collaborative approach with brokers represents a strategic shift from channel conflict to partnership-based innovation, viewing mortgages not as standalone products, but as entry points to deepen connections across multiple financial services and client segments.

Alex is here to discuss:

→ His role at Scotia and what portfolio optimization is.

→ Why rates were so volatile in 2025, how pricing works, and the cost of funds for a bank.

→ Scotia's Mortgage Plus Program: How it started, future improvements, and why using mortgages as anchor products is key for business.

→ The evolution of the Broker channel, with 50% of Canadian consumers now using Mortgage Brokers, and why it's so important to Scotia.

→ Creating concierge services for renewals, and the increasing renewal wave across the country.

→ 2026 interest rate predictions, and if we will ever get back to a "normal" environment.

Scotiabank Website: www.scotiabank.com

Scotiabank LinkedIn: @Scotiabank

Scotiabank Instagram: @scotiabank

Scotiabank YouTube: @scotiabank

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CONNECT WITH THE SHOW

🎙️ The Mortgage Broker Podcast Podcast: @abetterwaymortgage

📺 The Mortgage Broker Podcast YouTube: @MortgageBrokerPodcastNetwork

📝 The Mortgage Broker Podcast Blog: @ABWMedia

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CONNECT WITH THE HOSTS

📋 Dean Lawton's LinkedIn: ⁠@DeanLawton⁠

📋 Deryk Williamson's LinkedIn: ⁠@DerykWilliamson⁠

📋 Jason Marshall's LinkedIn: @JasonMarshall

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CONNECT WITH A BETTER WAY MORTGAGES

🔗 A Better Way Mortgages Website: www.joinabw.ca

📸 A Better Way Mortgages Instagram: @abetterwaymortgages

📋 A Better Way Mortgages LinkedIn: @ABetterWayMortgages

👥 A Better Way Mortgages Facebook: @ABetterWayMortgages

📬 A Better Way Mortgages Tuesday Mortgage Memo: @ABWTuesdayMortgageMemo

WATCH

▶️ ⁠Watch this episode on YouTube⁠

***

EPISODE DESCRIPTION

In this episode, Dean and Deryk are joined by Steven Lang. Steven is the National Sales Manager & Director of Marketing at VWR Capital Corp. from the Greater Abbotsford-Mission Metropolitan Area in BC, who has accumulated almost 25 years of experience in the Canadian banking & lending industries since starting as a bank teller at Prospera Credit Union in 2001.

VWR Capital Corp. is a broker-centric residential equity based lender with over 30 years of experience, with an industry-leading low basic lending fee structure. Specializing in 1st & 2nd residential mortgages, VWR works exclusively with Mortgage Brokers in urban residential markets from British Columbia, all the way through to Ontario. In his role, Steven focuses on growing the business and overseeing business development efforts, while managing and motivating a team of national Business Development Managers.

Steven is here to discuss:

→ How he got to where he is today, and what makes VWR a unique private lender.

→ VWR's deal flow, their escalation process, and how they handle post-funding regulations.

→ How VWR handles expectations when it comes to speed, and how they build & maintain relationships with Brokers.

→ The changing landscape of private lender borrower profiles, situations where VWR will tighten their lending guidelines, and why it's important to tell a consistent borrower story.

→ How VWR handles borrowers directly, and where they're going with tech & AI.

→ Market trends impacting VWR, and if more industry regulation leads to more industry investment.

→ Current industry trends Steven is watching and advice for Brokers.

VWR Capital Corp. Website: www.vwrcapital.com

VWR Capital Corp. LinkedIn: @VWRCapitalCorp

VWR Capital Corp. Facebook: @VWRCapitalCorp

Steven Lang's LinkedIn: @StevenLang

***

CONNECT WITH THE SHOW

🎙️ The Mortgage Broker Podcast Podcast: @abetterwaymortgage

📺 The Mortgage Broker Podcast YouTube: @MortgageBrokerPodcastNetwork

📝 The Mortgage Broker Podcast Blog: @ABWMedia

***

CONNECT WITH THE HOSTS

📋 Dean Lawton's LinkedIn: ⁠@DeanLawton⁠

📋 Deryk Williamson's LinkedIn: ⁠@DerykWilliamson⁠

📋 Jason Marshall's LinkedIn: @JasonMarshall

***

CONNECT WITH A BETTER WAY MORTGAGES

🔗 A Better Way Mortgages Website: www.joinabw.ca

📸 A Better Way Mortgages Instagram: @abetterwaymortgages

📋 A Better Way Mortgages LinkedIn: @ABetterWayMortgages

👥 A Better Way Mortgages Facebook: @ABetterWayMortgages

📬 A Better Way Mortgages Tuesday Mortgage Memo: @ABWTuesdayMortgageMemo