After the Pandemic:
Consequences & The New Reality

Thank you to all who presented and attended our conference on October 7, 2021.

We’ll do it again next year...but in person!



(replays and slides are only available to clients and paid attendees)

Download the detailed agenda

Download the Complete Summary of the Conference

(with executive summaries on all the presentations, as well as all links to replays and slides)



Welcome | A Year in Review 
With Anthony Scilipoti, Veritas Investment Research
| Video Replay | View the Slides |

Covid Surprises & Future Projections
With Aled ab Iorwerth, Canadian Mortgage and Housing Corp. (bio)
Video Replay | View the Slides |

Real Estate Panel: On the Ground in Vancouver & Toronto 
View the Replay |
Janet McFarland (Moderator), The Globe and Mail  (bio)
John Pasalis, Realosophy Realty Inc. (bio)
•  The Toronto Market - Move Smartly | View Slides |
Steve Saretsky, Saretsky Group (bio)
•  The State of Vancouver's Housing Market | View Slides |
Natalka Falcomer, OJO Home & Groundworks (bio)
•  Big Misses and Best Guesses | View Slides

Airbnb - A Veritas Deep Dive 
Howard Leung, Veritas Investment Research Corp. (bio)
Video Replay | View the Slides |

Panel: Why Canada’s Real Estate Market is Prime for Disruption
| View the Replay |
Anthony Scilipoti, (Moderator) Veritas
Brian Bell, Insightt (bio) | View Slides
Khushboo Jha, BuyProperly, Inc. (bio) | View Slides
Marco Andolfatto, Apollo Insurance (bio) | View Slides
Karthik Manimozhi, Rentmoola Payment  (bio) | View Slides


Can the Covid Consumer Credit Miracle Continue?
Scott Terrio, Hoyes, Michalos & Associates (bio)
| Video Replay | View the Slides |

The Canadian Banks and The New Abnormal
Nigel D’Souza, Veritas Investment Research (bio)
| Video Replay | View the Slides |

Mortgage Panel: Riding the Free Money Train
| Video Replay |
Nigel D'Souza, (Moderator) Veritas (bio)
Ron Butler, Butler Mortgages (bio)
Geoff Carnevale, Admore Financial (bio)
Frances Hinojosa, Tribe Financial (bio)

A View From Canada's Trenches 
Joey Comeau, EllisDon Capital (bio)
| Video Replay | View the Slides |

The Future City: Live, Work & Play
Joe Berridge, Urban Strategies (bio)
| Video Replay | View the Slides |

Closing Remarks
Anthony Scilipoti, Veritas
| Video Replay | 


Speakers and Panelists


Marco Andolfatto

Chief Underwriting Officer APOLLO Insurance

Marco has over 20 years experience in cultivating growth and profitability through insurance product innovation and underwriting excellence at industry leading insurance companies. Marco is an experienced insurance executive, having led transitions following acquisitions and led organizations to top growth through organic channels and strategic acquisitions. Previously, Marco was Chief Strategy Officer at Totten Insurance Group and Managing Director at Premier Marine Insurance Managers, one of Canada's leading wholesale insurance companies.  Marco holds a Bachelor's of Arts in International Relations from the University of British Columbia and the Fellow Insurance Chartered Professional (FCIP) and Canadian Risk Management (CRM) designations.

Dr. Aled ab Iorwerth

Deputy Chief Economist
Canada Mortgage & Housing Corporation

Dr. Aled ab Iorwerth is the Deputy Chief Economist at the Canada Mortgage and Housing Corporation. In this role, he provides thought leadership on topics related to housing in Canada. in this context, he was responsible for a major research report on the reasons behind escalating home prices in Canadian urban areas released in February 2018. Prior to joining CMHC, Aled held a number of advisory and research positions in the federal government, including the Department of Finance. He has undertaken research on a wide range of topics including productivity growth, innovation and climate change. Aled holds a Ph.D. in economics from Western University in London, Ontario. 

Aled was a guest of our Fact-Finding Video Conference Series: Episode 24: Exploring the details of CMHC's housing market forecast.

Brian Bell

President Insightt

Brian is the President of Insightt, a management consulting firm that helps real estate related companies take their business to the next level through technology, data and training, Previously, Brian held the position as Senior Vice President of Innovation and Data Solutions for FNF Canada – a Fortune 500 company that operates five business lines within Canada. Brian was responsible for leading innovation across all FNF business lines, successfully launching a new business in data solutions that has helped to diversify FNF’s revenue. He was also responsible for establishing new strategic partnerships to drive new revenues along with leading mergers and acquisitions. Brian has also held executive leadership positions with Canada Guaranty as their first Canadian employee, Canada Mortgage and Housing Corporation, Brookfield Financial and Bank of Montreal MasterCard.

Joe Berridge

Urban Strategies Inc.

Joe is an urban planner and city builder  who has had an integral role in complex urban planning and regeneration projects in Canada, the U.S., the U.K., Europe and Asia. He has been strategic advisor for the development of the city centres of Manchester, Belfast and Cardiff and for the waterfronts of Toronto, Singapore, Sydney, Cork, London and Governors Island in New York City. He has prepared university campus master plans and is now planning the new hub for Toronto Pearson International Airport. His book ‘Perfect City’ was published by Sutherland House in April 2019. @joe_berridge

Joe was a guest of our Fact-Finding Video Conference Series: Episode 44: Investment implications for how Toronto is going to change from the pandemic.

Ron Butler

Mortgage Broker
Butler Mortgage Inc.

Ron Butler is a veteran mortgage broker. In his multi‐decade career, he has been involved in every facet of the broker channel from private lending to online rate discounting. His eponymous brokerage: Butler Mortgage Inc. is a family business founded with his sons. With mortgage origination volumes of $1 billion per year for several years and after reviewing tens of thousands of mortgage applications, Ron’s perspective on industry trends and developments is second to none. @ronmortgageguy

Ron was a guest of our Fact-Finding Video Conference Series: Episode 13: The shock to the housing system.

Geoff Carnevale

President of Admore Financial Services Inc.
Admore Capital Group LP

Geoff Carnevale has been in the mortgage industry for 14 years and is President of Admore Financial Services Inc. & Admore Capital Group LP.  As a Mortgage Broker, he specializes in alternative financing through relationships with various institutions and private lenders.  Through his brokerage, his specialization in private lending led to the creation of Admore Capital Group LP.  Admore Financial Services Inc. originates over $100 million in mortgages annually and Admore Capital Group LP currently has $25 million under management. Geoff was President of Canadian Mortgage Brokers Association Ontario in 2016 and sat on its board for five years. @Geoff_Carney

Joey Comeau

Executive Vice President and Chief Operating Officer
EllisDon Capital

Joey Comeau is Executive Vice President and Chief Operating Officer for EllisDon Capital, a construction and services company with approximately 2,500 employees and $3.5 billion in annual construction volume. EllisDon Capital is the developer and equity arm for EllisDon and has been involved in over 100 AFP/P3 infrastructure projects with a capital value of $25 billion since 2004. The projects range in assets classes such as healthcare, transit, justice, education, and accommodation. On the real estate front, EllisDon Capital has begun developing and investing in specific real estate asset classes such as mixed-use transit-oriented developments, condominiums, affordable housing, student housing/rental apartments, and long-term care homes and is currently involved in 10 projects in Southwestern Ontario. @EllisDon

Nigel D'Souza
B.Sc., CFA

Veritas Investment Analyst
Financial Services

Nigel is an Investment Analyst in Financial Services and joined Veritas in 2016. Refinitiv StarMine ranked him #2 for earnings estimate accuracy for Banks in 2020. He was also ranked sixth overall for stock picking across all industries and analysts by StarMine in 2019, and #1 for the Banks that year. Prior to joining Veritas, Nigel operated a training program for professionals, providing coursework on financial modeling and how to conduct equity research. He also worked at State Street as an associate in Alternative Investment Solutions.

Natalka Falcomer

Broker & President OJO Home Canada

As President of OJO Home Canada, Natalka leads the development and expansion of the company’s personalized home buying and selling experience for the Canadian market. She was named one of Canada's Top 100 Elite Women in Real Estate by the Real Estate Professional magazine in 2016, 2017, and 2019 and is a board member of NAR Reach, an incubator for real estate startups. Prior to joining OJO Labs, Natalka served as the Executive Vice President of Corporate Development at a Toronto-based real estate brokerage. She also hosted a live TV segment answering common legal questions. @NatalkaFalcomer

Natalka was a guest of our Fact-Finding Video Conference Series: Episode 21: On the ground in Toronto's downtown real estate market.

Frances Hinojosa

Mortgage Broker and Managing Partner
Tribe Financial Group

Frances Hinojosa is a seasoned leader in the mortgage industry with over 25 years of success in financial services industry and one of the founding partners of Tribe Financial Group. Tribe  is a boutique mortgage firm in the GTA that specializes in customized mortgage planning with a belief in setting the bar high for mortgage lending excellence through integrity, transparency and heart. As a dedicated member of Mortgage Professional Canada, Hinojosa has been a member of the advisory boards at Teranet, Home Trust, Community Trust and charitable organization 100 Brokers Who Cares. Frances has been bestowed the following mortgage industry accolades: The Top 75 Mortgage Brokers in Canada Award for 2014 and 2015, Women of Influence Award in 2015. 2017, 2019, WIMI 2019 Leadership Award and 2016 and 2020 CMP Top Brokerage Award for Tribe Financial Group.

Khushboo Jha

Founder and CEO

Khushboo is an experienced leader who believes in the power of technology to solve problems. She is the Founder and CEO of BuyProperly Limited, an AI-driven online investing platform for fractional investing in alternative assets such as real estate.  Prior to starting BuyProperly, she had over 14+ years of experience at Amazon, Deutsche Bank and Accenture. She has an MBA from Wharton School, University of Pennsylvania, and a Bachelor's degree in Architecture from the Indian Institute of Technology (IIT), Kharagpur, India. She has lived and worked in the US, UK, Canada, and India and leverages her global experience towards building creative solutions. @TheKhushbooJha


Howard Leung

Veritas Investment Analyst
REITS & Technology, Accounting & Special Situations

Howard is an Investment Analyst covering REITs, Technology and Special Situations. He was the #2 ranked analyst for stock returns by Refinitiv StarMine for the Real Estate Industry in 2019. Prior to joining Veritas in 2015, Howard worked at Deloitte LLP in the Toronto Assurance and Advisory practice, serving financial institutions and real estate clients. He is currently a board member on the Canadian Accounting Standards Board (AcSB), establishing standards for all Canadian entities outside the public sector.

Karthik Manimozhi

CEO RentMoola

Karthik is a prolific rainmaker with a 20+ years international management track record in mobilizing complex ecosystems to deliver global SAAS/enterprise software businesses. He is a transformational people leader with unparalleled ability to re-imagine global customer experience, build empowered championship teams, and re-wire an entire industry. He has exceptional startup and high-growth company leadership experience in driving global market brands, scaling business profitably, raising millions of dollars in funding, and leading multi-billion dollar exits. @rentmoola

Janet McFarland

Senior Editor, Financial Services
The Globe & Mail, Report on Business

Janet McFarland is a senior editor overseeing the financial services coverage for The Globe and Mail’s Report on Business. She joined Report on Business in 1995 and spent many years as a reporter, most recently as a real estate report. She has been nominated six times for National Newspaper Awards and has won twice. She has also received three nominations for Michener Awards, which are granted annually by Canada’s Governor General to recognize excellence in public service journalism. Janet was awarded a Southam Fellowship under a program allowing journalists to spend a year studying at the University of Toronto. In 2014, she was the inaugural winner of the Landsberg Award, presented by the Canadian Journalism Foundation and the Canadian Women’s Foundation. @JMcFarlandGlobe

John Pasalis

President and Broker of Realosophy Realty Inc.

Realosophy is a Toronto real estate brokerage that uses data analysis to advise residential real estate buyers, sellers and investors. A frequent commentator on the Toronto housing market and real estate consumer and industry issues, John has contributed to the Globe and Mail, BNN Bloomberg, the Wall Street Journal and other media, government and industry organizations. His research has been shared with the IMF and cited by the Bank of Canada and CMHC. @JohnPasalis

John was a guest of our Fact-Finding Video Conference Series: Episode 8: Sleuthing out house price vulnerabilities.


Steve Saretsky

Real Estate Specialist at Saretsky Group

Steve Saretsky is a Vancouver Realtor and author behind one of Vancouver’s most popular Real Estate Blogs. Steve is widely considered a thought leader in the industry with regular appearances on BNN, CBC, CKNW, CTV and a contributor to BC Business Magazine. Steve’s dedication to analyzing the stats, financial landscape, and policies affecting Vancouver Real Estate have allowed him to build a successful business among the top 2% of Greater Vancouver Realtors, while working with and providing advisory services to Hedge Funds, investment advisors, policy makers and Real Estate developers. @SteveSaretsky

Steve was a guest of our Fact-Finding Video Conference Series: Episode 11: Focus on Vancouver housing.


Scott Terrio

Certified Credit Counsellor
Manager, Consumer Insolvency at Hoyes Michalos

In his decade in the insolvency industry, Scott has met with and filed well over 6,000 clients, primarily consumers. He brings his previous background in sales, marketing and business development to making clients feel as comfortable as possible in guidance through various options and tactics, and in trusting advice and solutions under difficult circumstances. He is a frequent media commentator and is a regular on the Hoyes Michalos Debt Free in 30 podcast. @ScottTerrioHMA

Scott was a guest of our Fact-Finding Video Conference Series: Episode 14: The Coming Consumer Credit Tsunami.