WATCH ▶️ ⁠Watch this episode on YouTube⁠ ***   EPISODE DESCRIPTION In this episode, Dean and Jason are joined by Alex Dey. Alex is the Vice-President of Portfolio Optimization at Scotiabank, who has been with the company for the past 22 years.   As one of Canada’s largest banks, Scotiabank's collaborative approach with brokers represents a strategic shift from channel conflict to partnership-based innovation, viewing mortgages not as standalone products, but as entry points to deepen connections across multiple financial services and client segments.   Alex is here to discuss:   → His role at Scotia and what portfolio optimization is.   → Why rates were so volatile in 2025, how pricing works, and the cost of funds for a bank.   → Scotia's Mortgage Plus Program: How it started, future improvements, and why using mortgages as anchor products is key for business.   → The evolution of the Broker channel, with 50% of Canadian consumers now using Mortgage Brokers, and why it's so important to Scotia.   → Creating concierge services for renewals, and the increasing renewal wave across the country.   → 2026 interest rate predictions, and if we will ever get back to a "normal" environment.   Scotiabank Website: www.scotiabank.com Scotiabank LinkedIn: @Scotiabank Scotiabank Instagram: @scotiabank Scotiabank YouTube: @scotiabank ***   CONNECT WITH THE SHOW 🎙️ The Mortgage Broker Podcast Podcast: @abetterwaymortgage 📺 The Mortgage Broker Podcast YouTube: @MortgageBrokerPodcastNetwork 📝 The Mortgage Broker Podcast Blog: @ABWMedia ***   CONNECT WITH THE HOSTS 📋 Dean Lawton's LinkedIn: ⁠@DeanLawton⁠ 📋 Deryk Williamson's LinkedIn: ⁠@DerykWilliamson⁠ 📋 Jason Marshall's LinkedIn: @JasonMarshall ***   CONNECT WITH A BETTER WAY MORTGAGES 🔗 A Better Way Mortgages Website: www.joinabw.ca 📸 A Better Way Mortgages Instagram: @abetterwaymortgages 📋 A Better Way Mortgages LinkedIn: @ABetterWayMortgages 👥 A Better Way Mortgages Facebook: @ABetterWayMortgages 📬 A Better Way Mortgages Tuesday Mortgage Memo: @ABWTuesdayMortgageMemo