Canadian Private Lenders’ Podcast
The #1 Podcast on Private Mortgage Lending in Canada. Ryan MacNeil and Neal Andreino of Keystone Capital Group outline their private mortgage lending experience and help you grow your mortgage business, while focusing on the importance of the growing Canadian Mortgage Broker channel.
Episodes
146 episodes
Ep.146 | From Working at a Brewery to Running a $470 Million MIC - Greg Sinclair
Greg Sinclair did not take a straight line into private lending. He went from teaching school in Ontario and the UK, to selling beer on the night shift at a local brewery, to building out the sales and marketing function for the Peterborough Pe...
Ep.145 | The Hands-off Investment That Pays 9% a Year
Part two of the MIC series shifts from structure to strategy. Ryan and Neal make the case for why mortgage investment corporations have become one of the most compelling income investments for Canadians who have already won the real estate game...
Ep.144 | Canada's Big Banks Are Getting Rich Off Your Savings
Most Canadians think mortgages only come from the big six banks. They're wrong, and it's costing them. In part one of a two-part series, Ryan and Neal break down what a Mortgage Investment Corporation actually is, how it works, and why it exist...
Ep.143 | Building a Real Estate Portfolio Buying Buildings No One Wanted
Episode 143 marks a milestone: CPL has officially passed the total episode count from Neal's old Master Keys podcast. To celebrate, Ryan turns the mic on Neal and runs him through a real estate investing Q&A.Neal started buying prope...
Ep.142 | Private Lending Is Older Than Canada's Big Banks
Most people think of private lending as something new. It isn't. In this episode, Ryan and Neal trace the complete history of private lending in Canada, from the handshake loans of the pre-WWI era to the creation of Mortgage Investment Corporat...
Ep.141 | Every Broker Needs to Know Alt Lending or Go Work at a Bank
Ryan sits down with the two founders of MCC Premiere Mortgage Centre, Sarah Albert and Sara Wright. They built one of Atlantic Canada's most recognized mortgage broker teams out of Moncton, NB, and are now expanding into Nova Scotia. This episo...
Ep.140 | AI-Generated Defences & Why Lenders Keep Losing in Court w/ Grechi Carter
The Grechi Carter team is back with a new addition, Amanda Deveaux, a 12-year litigation veteran and Ontario deputy judge who's taking over the firm's entire enforcement practice. Dave, Danielle, and Amanda break down what's really happening in...
Ep.139 | $1 Billion, 40 People & Zero Gated Funds: Inside Canada's Biggest Public MIC
What does it actually look like to run a $1 billion mortgage portfolio with a team of 40? Phil Fiuza, Managing Director of Single Family at Atrium MIC, pulls back the curtain on one of Canada's largest and only publicly traded mortgage investme...
Ep.138 | $20K Down Loans, 50 Years of Lending & Rebranding the Industry w/ Dean Koeller
Dean Koeller, President & CEO of Calvert Home Mortgage and Board Chair of CAMLA, joins Neal and Ryan live at the CAMLA Ontario Expo. In this episode, Dean breaks down Calvert's unique $20K-down flip and BRRRR program, how their in-house app...
Ep.137 | $400M AUM, Zero Principal Lost w/ Yitz Levinson
Neal and Ryan sit down with Yitz Levinson, President of Hillmount Capital, a Toronto-based private lender with over $400M under administration and 22 years in the business. Yitz shares how his background as a licensed insolvency trustee s...
Ep.136 | How Leadout Capital Fills the Gap Between Banks and Private Funds
Ryan and Neal sit down with Brian Suta, Partner at Leadout Capital, live at the CAMLA Ontario Expo. Brian breaks down how Leadout operates as a corporate debt fund, lending to mortgage funds, MICs, and businesses that fall through the cra...
Ep.135 | The Riskiest Loan in Private Lending
Construction loans can be incredibly rewarding, but when they go sideways, they can turn your lending business into a project management nightmare. In this episode, Neal and Ryan break down why incomplete construction loans are the riskie...
Ep.134 | How Private Lenders Should Handle Excess Capital
What happens when investor capital is flowing in, but strong deals aren't? In this episode, Neal and Ryan tackle one of the most underrated problems in private lending: having too much dry powder. They break down the dangers of forcing bad deal...
Ep. 133 | Scotty Wittrup on Alt Lending, Growth & Reputation
In Episode 133, Ryan and Neal sit down with Scotty Wittrup, newly appointed VP of Network Development at DLCG, for a conversation that goes far beyond mortgages.From his early days in sales and brokering, to building a reputation across ...
Ep. 132 | Mid-Build, Out of Money: Construction-In-Progress Loans Explained
Construction loans are one of the fastest-growing products in private lending but what happens when a borrower runs out of capital halfway through a build? Ryan and Neal break down construction-in-progress loans: what they are, why borrowers en...
Ep. 131 Debt Consolidation in Private Lending: Reset Tool or Risky Shortcut?
In this episode of the Canadian Private Lenders Podcast, Ryan and Neil break down one of the most common and misunderstood use cases in private lending: debt consolidation.With rising interest rates and increasing consumer debt, m...
Ep. 130 The Legal Dream Team: The Lawyers Every Private Lender Needs
In episode 130 of The Canadian Private Lenders Podcast, Ryan and Neal take listeners inside the legal ecosystem that keeps private lending businesses running smoothly. From corporate structuring to enforcement, discover the key players...
Ep. 129 | Private Credit Panic? Separating Headlines from Reality in 2026
Private credit is everywhere right now, and so are the headlines calling for its collapse.From redemption restrictions to rising delinquencies, investors are starting to ask: Is this the next financial crisis?In Episode 1...
Ep.128 | Condo Corp Lending, MFTs & Construction Finance with Matthew Solda
In this episode of the Canadian Private Lenders Podcast, hosts Ryan and Neal sit down with Matthew Solda, VP at Morrison Financial, to break down one of the most unique lending models in Canada.Matthew shares his journey fr...
Ep.127 | How SEO Is Replacing Brokers in Private Mortgages with Jonathan Alphonso
In this episode of the Canadian Private Lenders Podcast, Ryan and Neal sit down with Jonathan Alphonso of Mortgage Broker Store Inc. to break down a completely different approach to private lending...
Ep.126 | Are You Really a Private Lender? The Truth About Alternative Lending
In Episode 126 of the Canadian Private Lenders Podcast, Ryan and Neal tackle a topic that’s quietly reshaping the entire mortgage industry: the difference between private lenders and alternative lenders.For years, the terms have been use...
Ep.125 | Inside New Brunswick’s Real Estate Boom & the Rise of Strategic Private Lending
In Episode 125 of the Canadian Private Lenders Podcast, Ryan and Zach sit down with Brad Donnelly to unpack one of the most unique journeys in the mortgage industry, from radio broadcasting to building a thriving brokerage.Brad shares ho...
Ep.124 | How to Create Real Enterprise Value in the Mortgage Industry | Doug Adlam
In this episode of the Canadian Private Lenders Podcast, Ryan and Neal welcome back Doug Adlam for a deep conversation about building real enterprise value in the mortgage industry.Doug has worn many hats, mortgage broker, fintech...
Ep.123 | Who Actually Uses Private Lending? 7 Real Borrower Profiles Explained
In this episode of the Canadian Private Lenders Podcast, Ryan and Neal revisit one of their earliest and most popular discussions, the borrower profiles that benefit most from private lending.Since the original conversation nearly...
Ep.122 | Nova Scotia’s 2% Down Payment Program: Smart Solution or PR Stunt?
Nova Scotia has launched a new 2% down payment pilot program for first-time homebuyers, and it’s making headlines across the mortgage industry.But when you break down the math, does this actually help buyers… or does it increase long-ter...