In this episode of Real Life Mortgage Solutions, host Len Lane welcomes real estate lawyer Gordon Kallio for an insightful conversation about the growing challenges in co-ownership of property, particularly during a time with plenty of intergenerational wealth transfer. Gordon sheds light on Ontario’s Partition Act, legislation that enables joint property owners to force a sale or division when disputes arise.

Gordon and Len walk through scenarios such as inherited cottages, parents going on title with children to help qualify for a mortgage, and the difficulties in removing a co-owner when financial circumstances or relationships change. Gordon also explains why co-ownership agreements are critical in avoiding costly legal battles. Whether you’re a homeowner, investor, or someone helping family get into the housing market, this episode offers invaluable legal and financial insights into avoiding and resolving co-ownership disputes.

About Gordon Kallio

Gordon Kallio is a real estate lawyer based in Barrie, Ontario. With extensive experience in residential and estate-related property matters, Gordon advises clients on co-ownership agreements, title transfers, and dispute resolution under the Partition Act. He regularly handles complex transactions involving family-owned properties, inherited real estate, and power of sale proceedings. Gordon is also active in community mentorship and is pursuing opportunities to advise young athletes, focusing on guiding hockey players toward education and professional development opportunities.

Resources discussed in this episode:

• Ontario Partition Act

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Contact Len Lane | Brokers for Life:

• BrokersForLife.ca
• Linkedin: Len Lane
• LinkedIn: Brokers for Life
• Facebook: Brokers for Life
• X: @Brokers4Life
  
  

Contact Gordon Kallio:

• Website: Owen & Associates Law
• Linkedin: Gordon Kallio
  
  

In this episode, Len sits down with Edmonton infill builder and sales coach Jennifer Dechaine to talk about Urban Brix, multi-family projects, and why she believes real estate should be built as generational wealth, not just “build it and sell it.” Jenn explains her passion for infill, intergenerational co-living, and European-style density as real solutions to affordability, loneliness, and aging in place. She and Len also dig into what it’s really like for Gen Z and young professionals trying to buy in today’s market, even in relatively affordable cities like Edmonton.

Jenn also shares her work through Congruent Projects, where she coaches real estate and new-home sales professionals on what she calls “human foundations”: resilience, managing rejection, confidence vs. arrogance, and breaking free from “urgency addiction” and 10 p.m. phone panic. They wrap up with her builder–realtor bus tour, an initiative designed to get realtors, builders, and mortgage brokers collaborating instead of colliding, so clients get a smoother new-home experience from first showing to mortgage draw.

About Jennifer Dechaine

Jennifer Dechaine is a partner at Urban Brix, an Edmonton-based multi-family and custom home development company focused on infill, middle housing, and projects that blend generational wealth-building with strong community design. With decades of experience across sales, construction, and project management, she brings both operational discipline and a deep people-first mindset to how she plans and delivers infill and multi-family projects.

Jenn is also the founder of Congruent Projects, a sales leadership consulting and training company that serves real estate and new-home sales teams across North America. Through Congruent Projects, Jenn specializes in “human-first, high-performance” systems, helping sales professionals build resilience, confidence, emotional regulation, and ethical urgency so they can succeed without burning out. With over 20 years in the industry and experience leading large regional sales teams, she now channels that background into courses, keynotes, and coaching that align performance with well-being.

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Contact Len Lane | Brokers for Life:

• BrokersForLife.ca
• Linkedin: Len Lane
• LinkedIn: Brokers for Life
• Facebook: Brokers for Life
• X: @Brokers4Life

Contact Jennifer Dechaine:

• Website: Urban Brix
• Website: Congruent Projects
• Linkedin: Jennifer Dechaine
• LinkedIn: Congruent Projects
• Facebook: Congruent Projects
• Instagram: Congruent Projects
• LinkedIn: Urban Brix
• Instagram: Urban Brix
• Facebook: Urban Brix
  
  

In this heartfelt episode of Real Life Mortgage Solutions, host Len Lane welcomes Marjorie Bencz, C.M., Executive Director of the Edmonton Food Bank, to talk about food insecurity in our community and the power of collective giving.

Marjorie shares her 36-year journey with the Edmonton Food Bank, explaining how economic challenges have driven record levels of need. The Edmonton Food Bank now serves over 40,000 people every month, supplying food hampers, school programs, shelters, and community partners across the city.

Len and Marjorie discuss practical ways Albertans can help, from donating food or funds online to volunteering for warehouse shifts, food drives, or special events like Candy Cane Lane and Ken “Truck Guy” Mandan’s annual Christmas campaign. Marjorie highlights the Edmonton Food Bank’s “gleaning” model, where 60% of donated food comes from reclaimed surplus items from grocery stores, farms, and food producers.

This episode reminds us that small, consistent acts of giving—can by can and dollar by dollar—add up to a massive impact for families in need.

About Marjorie Bencz

Marjorie Bencz, C.M., is the longtime Executive Director of the Edmonton Food Bank. Joining as a volunteer in 1987 and stepping into leadership in 1989, she has dedicated more than three decades to building one of Canada’s most effective community food programs. Under her leadership, the Food Bank has expanded to serve tens of thousands monthly and supports over many other local organizations.

Marjorie was named a Member of the Order of Canada for her lifelong dedication to alleviating hunger and poverty, and she continues to be a passionate advocate for community cooperation and compassion.

Resources discussed in this episode:

• Ken Man Dan (Can Man Dan)’s Holiday Food and Toy Drive
• Candy Cane Lane Edmonton
• Hope Mission Edmonton
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Contact Len Lane | Brokers for Life:

• BrokersForLife.ca
• Linkedin: Len Lane
• LinkedIn: Brokers for Life
• Facebook: Brokers for Life
• X: @Brokers4Life

Contact Marjorie Bencz | Edmonton Food Bank:

• Website: EdmontonsFoodBank.com
• LinkedIn: Edmonton Food Bank
• LinkedIn: Marjorie Bencz
• Facebook: Edmonton’s Food Bank
• Twitter/X: @yegfoodbank
• Instagram: @edmontonfoodbank
  
  

Len Lane sits down with Dr. Wanda Holman, CEO of Little Warriors, a nationally recognized charity dedicated to preventing and treating child sexual abuse. Dr. Holman shares the inspiring story behind the organization’s founding by Glory Meldrum, herself a survivor, and how it has grown into a beacon of hope through its programs and services.

Dr. Holman talks about their Prevent It! program, which educates adults on recognizing and preventing abuse, and the Be Brave Ranch, Canada’s only intensive, trauma-informed treatment center designed specifically for children and adolescents who have experienced sexual abuse. Dr. Holman also highlights their Wrap Them in Love initiative, where quilts handmade across Canada are gifted to each child as a symbol of comfort and support during therapy.

The conversation dives into the real challenges facing families, including the alarming rise in online sexual exploitation, and explores how Little Warriors continues to evolve with new programs for adults and families dealing with intergenerational trauma. From community resource committees to volunteer opportunities and annual fundraisers like the Little Warriors Luncheon and Golf Tournament, Dr. Holman emphasizes how every contribution of every size helps protect and heal children across Canada.

About Dr. Wanda Holman

Dr. Wanda Holman is the Chief Executive Officer of Little Warriors, a national charitable organization focused on the prevention and treatment of child sexual abuse. With extensive experience in trauma-informed care and child psychology, Dr. Holman leads a multidisciplinary team at the Be Brave Ranch, an Alberta-based facility that provides evidence-based therapy and holistic healing to children, teens, and families.

Her commitment to community-based healing, education, and research partnerships with institutions like the University of Alberta continues to advance the field of trauma recovery and prevention for survivors across Canada.

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Contact Len Lane | Brokers for Life:

• BrokersForLife.ca
• Linkedin: Len Lane
• LinkedIn: Brokers for Life
• Facebook: Brokers for Life
• X: @Brokers4Life
  
  

Contact Dr. Wanda Holman | Little Warriors:

• Website: LittleWarriors.ca
• Facebook: Little Warriors Canada
• Instagram: @littlewarriorsca
• LinkedIn: Little Warriors
• X: Little Warriors
• YouTube: Little Warriors
  
  

Today on Real Life Mortgage Solutions, host Len Lane welcomes back lawyer and entrepreneur Cyndy Morin alongside Lori Robertson to talk about Ask JAQQ, an innovative new app designed to make legal guidance more accessible.

Cyndy shares the story behind Ask JAQQ, a $5.99 app that allows users to ask quick legal questions and connect with three vetted lawyers, all while 100% of proceeds go to Sagesse, an organization supporting families affected by domestic violence. Drawing from her own experiences, Cyndy explains how Ask JAQQ fills the gap left by the closure of the Law Society’s Lawyer Referral Program, creating a safe, affordable, and community-minded platform for everyday legal inquiries.

Lori, who brings her background in IT and her personal passion for community outreach, discusses how the app empowers users by removing the intimidation often associated with legal services. Together, they highlight how Ask JAQQ benefits both lawyers and the public, ensuring access, integrity, and compassion are at the core of modern legal help. For anyone curious about how technology and empathy can work together for social good, this episode is a must-listen.

About Cyndy Morin

Cyndy Morin is a lawyer, entrepreneur, and founder of Resolve Law, with a deep passion for improving access to justice in Canada. A survivor of domestic violence herself, Cyndy was inspired to create Ask JAQQ as a safe, affordable, and community-driven way for people to access legal information. Her work bridges the gap between legal professionals and the public while giving back to the causes that supported her own journey to safety and empowerment.

About Lori Robertson

Lori Robertson is a board member of Ask JAQQ and an advocate for domestic violence prevention and community empowerment. With a background in technology and a personal connection to the cause, Lori focuses on using digital tools to make legal support more approachable and inclusive for everyone.

Resources discussed in this episode:

• Sagesse Domestic Violence Prevention
  
  

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Contact Len Lane | Brokers for Life:

• BrokersForLife.ca
• Linkedin: Len Lane
• LinkedIn: Brokers for Life
• Facebook: Brokers for Life
• X: @Brokers4Life
  
  

Contact Cyndy Morin & Lori Robertson | Askjaqq:

• Website/App: https://askjaqq.ca/
• LinkedIn: Cyndy
  

In this episode of Real Life Mortgage Solutions, host Len Lane welcomes Brian Menges, a long-time leader in private mortgage lending and the founder of Caplink Financial and SoBankable. Brian shares his journey from building one of Western Canada’s well-known MICs to expanding lending operations into the United States and Mexico.

They unpack how SoBankable is filling a unique gap for Canadians and Americans purchasing second homes in Mexico, where traditional banks often can’t lend. Brian explains the differences between lending in Canada and Mexico, including how the fideicomiso (bank trust) works in restricted zones, how loans are secured, and how his team ensures compliance across multiple jurisdictions.

Len and Brian also discuss trends in cross-border retirement living, Mexico’s evolving real estate market, and why many North Americans are finding better value, healthcare, and lifestyle there. Brian outlines his goal of reaching $1 billion USD in mortgage production within five years, and how Canadian brokers can partner with SoBankable to serve clients buying abroad.

About Brian Menges

Brian Menges is the founder and president of Caplink Financial and SoBankable, companies specializing in private and cross-border mortgage lending. With over two decades of experience in the Canadian mortgage and investment space, Brian has been instrumental in growing Caplink from a syndicated lender to a full-service Mortgage Investment Corporation (MIC) and securities-licensed investment fund manager.

Through SoBankable, Brian has expanded lending operations internationally, helping Canadians and Americans purchase property in Mexico. He continues to lead innovation in private lending, capital management, and global mortgage solutions.

Contact Len Lane | Brokers for Life:

• BrokersForLife.ca
• Linkedin: Len Lane
• LinkedIn: Brokers for Life
• Facebook: Brokers for Life
• X: @Brokers4Life
  
  

Contact Brian Menges:

• Website: SoBankable
• Website: Caplink Financial
• LinkedIn: Brian Menges
• LinkedIn: SoBankable
• LinkedIn: Caplink Financial
  
  

Len chats with Corey Cardelinni, BRM for Alberta at CMI, about how a seasoned private lender approaches real-world files. They cover CMI’s flexible solutions including, first and second mortgages, bridge and equity loans, and purchase-plus improvements, and why clear, detailed commitments plus quick, organized documentation can accelerate approvals and closings.

Corey explains what makes a file work: overall strength, a believable exit plan, and payments that make sense. They touch on common scenarios like cleaning up arrears or proposals and completing builds or renovations, along with a few categories that typically don’t fit. Corey also notes that staying realistic on valuations, and packaging a complete deal up front keeps things moving smoothly.

They wrap with market and appraisal realities, reminding brokers to do early diligence and set expectations with clients in shifting conditions.

About Corey Cardellini

Corey Cardellini has 20 years of experience in Canada’s mortgage industry spanning underwriting, brokering, and lending. After starting as an underwriter with a B-lender and spending eight years as a mortgage agent, Corey moved to CMI and now serves as Business Relationship Manager (BRM) for Albertapairing relationship support with hands-on file expertise (often underwriting their own deals).

At CMI, Corey focuses on practical, fast private-lending solutions and clear, detailed commitments that make broker/client expectations straightforward. Typical work includes first- and second-position mortgages, bridge/equity financing, and purchase-plus-improvements, with quick turnarounds when documentation is complete.

Resources discussed in this episode:

• Website: Canadian Mortgages Inc.

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Contact Len Lane | Brokers for Life:

• BrokersForLife.ca
• Linkedin: Len Lane
• LinkedIn: Brokers for Life
• Facebook: Brokers for Life
• X: @Brokers4Life
  
  

Contact Corey Cardellini:

• Linkedin: Corey Cardellini
  
  

In this episode, host Len Lane, founder of Brokers for Life, welcomes Kevin Kennedy, owner of KDK Financial, to discuss how car payments affect Total Debt Servicing (TDS) and Gross Debt Servicing (GDS) ratios in the mortgage process. With many Canadians carrying large vehicle loans, this often becomes a barrier to mortgage approval.

Kevin shares how KDK Financial helps mortgage brokers restructure auto loans by reducing payments, removing co-signers, and even accessing equity from vehicles. He explains why traditional banks don’t offer refinancing, how competitor lenders step in, and why this solution can save deals that otherwise wouldn’t close.

The conversation highlights success stories—from reducing a family’s $1,800 monthly car obligations to $650, allowing them to keep their home, to moving loans under corporate names for business owners. Kevin also sheds light on current auto lending rates, pitfalls in dealership financing, and the benefits of KDK’s streamlined, broker-friendly process.

If you’re a mortgage broker or a homeowner with high auto debt, this episode offers practical strategies to unlock financing flexibility and keep homeownership within reach.

About Kevin Kennedy

Kevin Kennedy is the owner and founder of KDK Financial Corporation, a company dedicated to helping mortgage brokers manage auto financing solutions for their clients. With lifelong roots in the auto industry, starting at his father’s used car dealership and advancing to lead one of Canada’s largest auto finance departments, Kevin saw the need for a streamlined, broker-controlled approach to auto refinancing.

KDK Financial empowers brokers across Canada to restructure loans, remove co-signers, and reduce payments without the sales pressure of dealerships. Kevin’s mission is to make auto finance simple, transparent, and a powerful tool to support mortgage approvals and financial stability.

Resources discussed in this episode:

• KDK Financial

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Contact Len Lane | Brokers for Life:

• BrokersForLife.ca
• Linkedin: Len Lane
• LinkedIn: Brokers for Life
• Facebook: Brokers for Life
• X: @Brokers4Life
  
  

Contact Kevin Kennedy:

• Website: KDK Financial
• Instagram: KDK Financial
• Facebook: KDK Financial page