The Brampton Loan: How Fraud Fueled a Housing Bubble

The Brampton Loan is one of the biggest mortgage fraud schemes in Canadian history, and it literally fueled a housing bubble that changed Ontario's real estate market forever. This isn't some theory - people went to jail, banks lost millions, and thousands of families got caught up in a system of fake documents, inflated incomes, and fraudulent mortgages.

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In this video, I break down exactly how mortgage fraud worked in Brampton and the Greater Toronto Area from the early 2000s through 2017. We're talking about organized networks of mortgage brokers, fake employment letters, forged pay stubs, and people buying multiple properties on incomes that should never have qualified them for even one mortgage.

I explain how this fraud scheme spread through communities, how the banks eventually caught on, what happened when it all fell apart, and why housing prices in Ontario got so insane in the first place. This is the untold story of how fraud created artificial demand, drove up prices for everyone, and left families bankrupt when the system finally cracked.

If you've ever wondered why Canadian housing is so unaffordable or how mortgage fraud actually works, this video has all the answers. From the mechanics of income inflation to the court cases that exposed the whole operation, this is the complete story of the Brampton Loan.

Timeline:
0:00 - What is the Brampton Loan?
2:30 - How mortgage fraud actually worked
8:45 - The network behind the fraud
15:20 - When banks discovered the scheme
22:10 - The aftermath and housing market impact
28:40 - Lessons and what changed

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