WATCH

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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

***

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

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

WATCH

▶️ ⁠Watch this episode on YouTube⁠

***

EPISODE DESCRIPTION

In this episode, Dean and Deryk are joined by Jesse Bobrowski. Jesse is the Vice President of Business Development at Calvert Home Mortgage Investment Corporation from the Greater Calgary Metropolitan Area in Alberta, who has over 17 years of experience in real estate lending and investing.

Calvert is the Canadian leader in short-term lending, providing fast, flexible, alternative mortgages to help people buy homes and to help real estate investors bring new life to houses in need of repair. In his role, Jesse develops, nurtures, and grows relationships with Mortgage Brokers, capital partners, and borrowers, as well as mentors and supports the Calvert business development, marketing, and underwriting teams.

Jesse is here to discuss:

→ How he got to where he is today, and the history of Calvert Home Mortgage.

→ The unique value propositions Calvert offers Brokers by keeping everything in-house, including appraisals and a legal team for Alberta files.

→ Calvert's avatar Broker, how they prioritize deals, and how they co-brand with Brokers.

→ Calvert's client retention strategy, what a borrower experiences when working with them, and addressing Broker pain points to improve client satisfaction.

→ Calvert's approach to lending on multifamily properties, their after-repair value products, and house hacking.

→ Compliance and risk management with unconventional borrowers, and how they adapt to constant regulatory changes.

→ Current significant market trends including renewals in the Alberta market.

→ The influence of tech in Calvert's future, and how they hope to evolve in the next 5-10 years.

Calvert Home Mortgage Website: www.chmic.ca

Calvert Home Mortgage Instagram: @calverthomemortgage_

Calvert Home Mortgage LinkedIn: @CalvertHomeMortgage

Calvert Home Mortgage Facebook: @CalvertHomeMortgage

Calvert Home Mortgage YouTube: @calverthomemortgage

Jesse Bobrowski's LinkedIn: @JesseBobrowski

***

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

WATCH

▶️ ⁠Watch this episode on YouTube⁠

***

EPISODE DESCRIPTION

In this episode, Dean and Deryk are joined by Justin Noda. Justin is the newly minted Chief Compliance & Operations Officer with A Better Way Group from Calgary, Alberta, who has over 18 years of experience in the mortgage industry.

Justin has touched nearly every facet of the business, from acquiring his own brokerage, to underwriting for top-producing teams, to even co-creating a broker-focused podcast, but what he's most passionate about is compliance. Having developed national compliance and training programs, Justin's focus is simplifying the regulatory landscape, empowering agents with clarity, and fostering a culture where compliance is understood, respected, and embraced across every level.

Justin is here to discuss:

→ Why ABW is launching the new Chief Compliance & Operations Officer role, and how it will make life easier for Brokers.

→ A deep dive into his professional background and why he's the perfect fit in his new position.

→ Building a culture of compliance in a self-employed industry.

→ The vision for ABW's future.

→ What to expect from the new "Behind the Brokerage" podcast series.

Justin Noda's Instagram: @justin_noda

Justin Noda's LinkedIn: @JustinNoda

***

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

WATCH

▶️ ⁠Watch this episode on YouTube⁠

***

EPISODE DESCRIPTION

In this episode, Dean and Deryk are joined by Ruby Bains. Ruby is a Mortgage Broker with Mortgage Architects from the Greater Vancouver Area in BC, who's been in the mortgage industry for over 30 years.

After working at credit unions for over 25 years, including being a Branch Manager at both Coast Capital Savings and G&F Financial Group, Ruby decided to become a mortgage broker in 2017, joining A Better Way Mortgage Group. Leaning on her credit union background, Ruby has built her successful business off of deep relationships with partners and clients, and continually helping clients explore options to make educated and informed choices.

Ruby is here to discuss:

→ The invaluable experience she gained working at credit unions, and why she chose ABW when transitioning to being a broker.

→ Building positive relationships with lender partners, and tips for connecting with new Realtors.

→ 3 tactics for building strong client relationships and ensuring a smooth client experience.

→ Keeping a human touch while embracing new technologies, and improving her use of social media.

→ Ruby's key business impact, business coaching, and why working from an office has been beneficial.

→ Goal setting, motivation, mindset, meditation, and maintaining a work-life balance.

→ The best career advice she's ever received, and what no agent in this business should forget.

Ruby Bains' Website: www.rbmortgages.ca

Ruby Bains' Instagram: @rbmortgages

Ruby Bains' LinkedIn: @RubyBains

***

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

WATCH

▶️ ⁠Watch this episode on YouTube⁠

***

EPISODE DESCRIPTION

In this episode, Dean and Jason are joined by Anil Kumar. Anil is one of the top Mortgage Brokers with Mortgage Architects from Surrey, BC, and is also Hall of Fame Member with A Better Way Mortgage Group, amassing over 25 years of sales experience, with 7 of them being in mortgages.

Originally from India, Anil started in home improvement and construction sales upon his move to Canada. In 2017, Anil decided to become a Mortgage Broker, a career where he is able to combine the growth of being self-employed, the flexibility of work schedule & environment, and facilitating the dream of home-ownership to new Canadian immigrants.

Anil is here to discuss:

→ What motivated him to get into mortgages, why he joined A Better Way, and involving his family in his business.

→ The key factor in Anil's business, game-changing strategies he's utilized, and being prepared every day for change.

→ Resources every Broker should utilize, essential tools to run a mortgage business, and knowing when to pivot.

→ The overlooked importance of product knowledge and building strong relationships with BDMs & lenders.

→ Creating a smooth client experience with communication, and finding motivation from client testimonials.

→ Best career advice he's received, advice for new agents, and where he stands on growing his team.

→ How he gives back to his community, his future goals, and how there's no age limit on learning.

Anil Kumar's Website: www.anilkumarmortgages.com

Anil Kumar's Instagram: @anilkumarmortgages

Anil Kumar's LinkedIn: @AnilKumar

***

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

WATCH

▶️ ⁠Watch this episode on YouTube⁠

***

EPISODE DESCRIPTION

In this episode, Dean and Jason are joined by Chris Pughe & Danny Duong, both Mortgage Brokers with Mortgage Architects, and newly minted Broker Relationship Managers, or BRMs, with A Better Way Group.

Having a combined 55 years of industry experience between them, Chris & Danny bring invlauable experience to the new BRM role, which focuses on guiding professionals through the complex transition of joining the brokerage. Through personalized onboarding, hands-on training, and emotional support, they're creating a welcoming community that sets-up new brokers at A Better Way for long-term success.

Chris & Danny are here to discuss:

→ The creation of the BRM position and why they are the perfect fits to pilot this role at ABW.

→ The importance of a seamless onboarding process and easing the banker to broker transition for new brokers.

→ Being the conduit of community for new team members and creating an inclusive culture through mentorship.

→ How they balance the BRM role with their personal books of business.

→ Tips for aspiring mentors and future opportunities in the BRM role.

→ Why brokers keep coming back to ABW after testing other brokerages.

Chris Pughe's Website: www.thatmortgagebrokerchris.com

Chris Pughe's Instagram: @thatmortgagebrokerchris

Chris Pughe's LinkedIn: @ChrisPughe

Chris Pughe's Facebook: @ChrisPughe

Danny Duong's Website: www.dannyduongmortgage.ca

Danny Duong's Instagram: @dannyduong_mortgagebroker

Danny Duong's LinkedIn: @DannyDuong

***

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