• Navigating the Housing Market: Why Financial Considerations Are Key

    The housing market in Ontario has been experiencing a rough time, and it's crucial for the mortgage industry to adapt. At TCG Lending Centres, we believe that the focus should always be on the client's financial situation, but especially now. When considering options such as variable or fixed rates, 2 or 5-year terms, or any other option, it's essential to examine all of the client's financial details to make the right decision.

    In this video, we'll be discussing the current state of Ontario's housing market and why it's more important than ever to consider all financial factors when making mortgage decisions. We'll be sharing our insights into the market and the economy, and what we believe the future holds for Ontario homeowners.

    At TCG Lending Centres, we understand the complexities of the mortgage industry and know that every client's financial situation is unique. Our team of experts is committed to helping you navigate through these tough times and find the best mortgage solution for your specific needs.

    Join us as we delve into the importance of financial considerations in mortgage decisions, and why taking a closer look at your financial details can make all the difference in today's market. While it's difficult to predict the future, we believe that by examining the current state of the economy, we can start to see hope for a better future by the fall.

    39m | Mar 25, 2023
  • Navigating a Recession - Ep.61

    The topic of this podcast episode is "Navigating a Recession: The Importance of Speaking with a Financial Advisor and Taking Care of Your Physical and Mental Health." We'll be discussing the current economic situation, how it's affecting people's finances, and the benefits of seeking the guidance of a professional financial advisor. We'll also touch on the importance of taking care of one's physical and mental health, including the benefits of exercise.

    We'll cover specific ways a financial advisor can help, including assessing your financial situation, helping you prioritize your goals, providing investment advice, and monitoring your progress. We'll also discuss how exercise can help boost your mood, relieve stress, and improve your overall well-being. Join us as we explore the steps you can take to secure your financial future and improve your physical and mental health during a recession.

    54m | Feb 11, 2023
  • Unlock Your 2023 Goals: Motivation and Mortgages - Ep. 60

     As we kick off the new year, it's important to stay motivated and focused on our goals for 2023 and the importance of trusting yourself and going with your gut feeling in the new year. 

    Tune out the noise and focus on what truly matters to you. Whether it's in your personal life or career. This year, let's stop second-guessing ourselves and trust our gut instincts.

    We also discuss the importance of working with a knowledgeable mortgage agent or broker when renewing your mortgage. We cover the benefits of getting informed and educated on the current market conditions and options available to you. 

    Make sure to stay informed and make the best decision for your financial future in the next year.

    30m | Feb 11, 2023
  • What makes us unique?

    On this episode of the podcast we dive into why we are known as a brokerage with a heart. 

    29m | Nov 8, 2022
  • Financial Planning Ep.56

    When it comes to the real estate market, what has been changing? What is the impact rising interest rates are having on this market? 

    On this episode of the Real Talk, these are some of the questions I asked my guest, Prachi Dutta, one of our mortgage agents with a financial planning background.

    39m | Oct 31, 2022
  • Just be YOURSELF - Ep.55

    “Don’t worry about other people’s opinion. Be yourself”. This is one of the many positive messages Madelyn Townes left for us on this episode of the Real Talk.

    During the first lockdown, Madelyn began using social media, mainly TikTok, to create content related to the real estate industry. Over time she began noticing that more and more clients were coming to her because of the content she was posting on TikTok. Nowadays, 95% of her clients come from this social media platform. Her story is inspiring and I invite you to listen to it on this week’s episode of the Real Talk podcast. 

    Follow Madelyn on social:

    tiktok @Madelyn Townes 

    instagram @madelyn

    14m | Oct 24, 2022
  • What has changed in the Real Estate Market? - Ep.54

    “What happened in the past is not indicative of the future. Ever since Covid, uncertainty is almost the norm now”.

    My guest, this week, is Kevin Slemko, from Midtown Appraisal Group Inc. As an appraiser, Kevin shared with us his view and concerns on what is happening in today’s real estate market. Some of those concerns are related to renewing and refinancing. Listen to what he's got to say and the sound advice he gives us, especially if you are planning to purchase a home. 

    You can connect with Kevin Slemko here:



    18m | Oct 16, 2022
  • Positive Mindset - Ep.53

    When positive synergy comes together, team members are able to be their full selves at work with their unique perspectives, talents, and communication skills. Meet the Sgro & Spada team! Dee Sgro and Eric Spada are the perfect examples of this. They have brought their expertise together and have formed the Sgro & Spada Group, powered by TCG Lending Centres. 

    Find out the story behind this outstanding team, which is already giving back to the community by organizing the 1st annual Halloween in the park, next Saturday, October 15th. 

    Don’t forget to follow them on IG: 




    29m | Oct 9, 2022
  • Find your voice - Ep.52

    Find your voice, empower others, but empower yourself as well. Find the strength to ignore bad vibes, negative comments, and suffocating energies.

    Sometimes to walk the path of a fulfilling and purposeful life, one must face many obstacles, but it’s the ability to overcome them that makes all the difference.

    By now you’ve probably guessed what this episode of the Real Talk is all about. My guest this week is Tracy Lynn, multimedia personality and radio host of the morning show on Hot Country 93.9 FM. Her story is inspirational, and one I invite you to listen to now.

    Follow Tracy on: 

    Instagram: @tracylynn567

    Facebook: itsTracyLynn

    YouTube: Tracy Lynn

    24m | Oct 2, 2022
  • The right ADVICE - Ep.51

    Getting an objective insight into your finances is one of the most crucial steps when you are planning to purchase a house. This is why we strive to always give you the right advice and provide you with all the information you need to know if you can meet your goals, when it comes to a mortgage.

    In order to avoid surprises in the future, you should really pay attention to all these little things. This is why I sat down with Kanik Nayyar and we put together this episode for you.

    23m | Sep 26, 2022
  • Real Talk - Mortgages - Ep.50

    Mortgages! Yes, I’ve decided to talk about my passion when it comes to work.

    Many of you have asked me why I never talk about what I do. Well… now I am. There are many reasons as to why I have decided to bring the topic of mortgages into my podcast, besides the other passions I have in my life. As a career, mortgages are my world. So, I hope this is helpful for you, especially if you are considering getting a mortgage.

    32m | Sep 26, 2022
  • Real Talk - Highlights - Ep.49

    Sometimes we need to stop to reflect on what we have done and said, as it helps us find the path that makes us happy. Looking back into the many different episodes I’ve recorded, I found four such moments, which I find important to share with you once again. Hope you enjoy this Real Talk as much as I do.

    9m | Sep 13, 2022
  • Podcast Gold Nuggets - Ep.48

    For this week’s episode, I decided to present you a few highlights of past episodes, let’s call them the gold nuggets of the podcast. I believe it is important to bring them up again as they focus on important topics and themes, at least for me. Hope you enjoy them. Let me know what you think.

    13m | Sep 13, 2022
  • Allow yourself to REST - Ep.47

    How often do you allow yourself to rest? Are you part of the group that waits for vacation to be able to take a break? Or do you understand the importance taking breaks once in a while, whether you are on vacation or not? Resting means improving our mental health, our memory and concentration, reducing our stress, among other benefits. 

    I thought I’d talk about this topic on this episode of the Real Talk. Hope you enjoy it.

    17m | Sep 13, 2022
  • Just stay POSITIVE no matter what! - Ep. 45

     You all know I’m about giving gratitude and staying positive. However, it doesn’t mean you can’t be under the weather or that you can’t have a week where things are just off. That’s because negative energies sometimes need to leave your body. This is what I am talking about in this episode. 

    Let’s see why we sometimes feel like positivity is not something on our side.

    23m | Sep 13, 2022
  • Sharing your SUCCESS - Ep.44

    It is known that in order to succeed in life, one must count on partnerships both at work and at home. It’s the latter one I want to address today. Your partner’s support can make or break the path to success, as it is important to have a partner who supports you in all of your endeavours. I’m fortunate that my husband is my rock, someone who believes in my vision, and who is there for me all the time.

    This is the reason why I decided to have Zervane on this episode of the Real Talk! I hope you enjoy this episode as much as I did.

    12m | Aug 7, 2022
  • Disconnecting from TECH - Ep.043

    Have you ever had a need to disconnect from your busy life? Do you tell yourself you'd love to, but you're always so busy you just can't do it?

    Well, here's the thing: I had to disconnect for a while, press "reset" to my entire world. In doing so, I've learned a few great lessons, and I am now in the process of understanding and sharing what came out of that experience. That's what this episode is all about. Hope it helps you as much as it has been helping me.

    18m | Jul 31, 2022
  • The power of Vision Boards - Ep.42

    Do you ever feel like you need to set the right goals and plan to achieve them? We all do! That’s where vision boards come in.

    They are a series of quotes, images, pics that you put together in a collage. The beauty about them is that they’re centred around the law of attraction, that idea that the universe provides you with whatever your intentions are for your life.

    Well, as a firm believer of the law of attraction, I had my team come together to work on vision boards. Watch this episode to find out more about this “adventure” of ours.

    24m | Jul 24, 2022
  • Dealing with GRIEF - Ep. 41

    When you hear the word grief, do you automatically think of death?

    Well... most of us have been conditioned to associate grief to death when in reality it is associated to other "situations" as well. Grief comes to us in many different ways and levels, and learning how to recognize them is an important step into healing.

    23m | Jul 24, 2022
  • Using MEDITATION to relieve STRESS - Ep.40

    Do you feel like you’re always chasing time? Do you feel physically ill, but you don’t know why?

    These two questions summon up what I have been through in the past few weeks. Into this equation comes meditation. Everyone knows I meditate and what my feelings are about meditation. Oftentimes, you heard me say that meditation centres us. And it does. 

    However, what I was failing to realize was that, even though I was meditating, I was still not achieving balance for my life. The body does weird things when you’re stressed out. So, I want to emphasize that it is a personal practice that needs to be respected more. And I want to invite you to listen to this episode of the Real Talk where I share my personal experience with stress and what I have learned from it.

    16m | Jul 14, 2022
Carmen Costa Real Talk