Canadian Mortgage Guide

By Tom Moffat & Brandon Love

Making sense of mortgages & real estate in Canada.

We (Tom & Brandon) run a boutique mortgage team in Ontario, Canada and are here to share our knowledge & experience. We turn complex to... more

· Education

Download on the App Store

Download on the App Store

Get it on Google Play

FAQs about Canadian Mortgage Guide:

How many episodes does Canadian Mortgage Guide have?

The podcast currently has 24 episodes available.

Canadian Mortgage Guide episodes:

July 18, 2024 24: Is Trudeau Secretly Creating ANOTHER Housing Tax?
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Brandon shines a light on some of the recent activity of Justin Trudeau and the Liberal party, what the implications mean for homeowners, and steps you can take to fight this.

📞 Book a Call with Brandon
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
7min
July 11, 2024 23: Interest Rates DECLINING in Canada - July Rate Update
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom & Brandon share today's rates, look at how the US is affecting the rates, and putting it together so it makes sense to the average Canadian.

What was discussed:
→ The differences between fixed and variable rates, the bond market, and the overnight prime rate.
→ The impact of inflation, unemployment rate, and the upcoming US election.
→ 5 year term averages for different types of mortgages, insured mortgages, uninsured mortgages, fixed, and variable.
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
11min
July 04, 2024 22: Interest Rates & Affordability TODAY vs. 2022 - Is It A Good Time To Buy?
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom breaks down the differences if you were to purchase a property from 2022 through to 2025 and beyond, and how interest rates and the stress test significantly affect your borrowing power.
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
6min
June 27, 2024 21: Why Canadians Are Investing in the U.S.
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom and Brandon are joined by Erwin Szeto. Erwin is the Owner at iWin Real Estate and the Director of the Mr. Hamilton team from Hamilton, Ontario, a team of veteran real estate investors, who coach investors from the Toronto area to achieve wealth and are the four time winning team of Real Estate Agent of the Year. Erwin is also the host of the "Trust About Real Estate" podcast, in addition to being a blogger, speaker, and philanthropist.

Erwin is here to discuss:
→ Why Canadians should look at investing in the US, it's advantages, and how to know where to invest in the US.
→ What Share does for US investors and it's fees, US mortgage financing, and the favorable corp structure for Canadians investing in the US.
→ Who does and doesn't fit this type of investment, going for cash flow or appreciation, and his future plans for Canadian investments.

Erwin Szeto's Share Website: www.sharesfr.com/partners/iwin
iWIN Real Estate's Instagram: @iwinrealestate
iWIN Real Estate's Facebook: @iwinrealestate
Erwin Szeto's Instagram: @erwinszeto
Erwin Szeto's LinkedIn: @erwinszeto
Truth About Real Estate Investing Podcast: www.truthaboutrealestateinvesting.ca
Truth About Real Estate Investing YouTube: @TruthAboutRealEstateInvesting
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
37min
June 20, 2024 20: No Downpayment? No Problem
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Brandon shares how you can use municipal downpayment programs to help get into the housing market. He covers who's eligible, how they work, and 3 examples of different real life use cases from his clients.

📞 Book a Call with Brandon
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
8min
June 13, 2024 19: Insider Tips for Getting a Mortgage Pre-Approval
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom shares 5 insider tips you need to know for getting a proper mortgage pre-approval, and what a lot of banks and brokers don't want you to know.

What was discussed:
→ The difference between a pre-approval and a pre-qualification, and why pre-qualifications are meaningless.
→ Asking for multiple rate holds.
→ The varying compensation for banks and brokers and the question you need to ask every mortgage broker you talk to.
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
12min
June 08, 2024 18: 5 Ways To Pay Off Your Mortgage FASTER in 2024
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom shares 5 key strategies on how to pay down your mortgage quicker, while also having benefits like saving on interest and eliminating consumer debt.

What was discussed:
→ Explaining different methods of pre-payment privileges including accelerated and lump sum payments.
→ Paying off your high interest debt to increase cash flow and refinancing your mortgage.
→ Why you should be looking at a static variable rate mortgage in a declining rate environment.
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
17min
June 06, 2024 17: Bank of Canada CUTS Rate For First Time In 4 Years - What You Need To Know
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom breaks down everything you need to know about the Bank of Canada's rate decision on June 5th, 2024.

There's a lot of misconception out there on how the rate cut impacts borrowers, and overall market expectations. Tom simplifies it all!
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
6min
May 30, 2024 16: Using your FHSA to Build CRAZY Wealth
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Brandon shares an advanced wealth building strategy ("Hack the FHSA") you can do by combining your First Home Savings Account (FHSA), with a Hold Co., if you're planning to add multiple properties to your portfolio.

📞 Book a Call with Brandon
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
10min
May 24, 2024 15: Attention Parents: Charge Your Child Rent
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Brandon shares the reasons why you should be charging your adult kids rent, the lessons it will teach them, and how it can set up their financial future.
***

MORTGAGE INQUIRIES
📞 Book a Call
📧 Email us→ [email protected]
📝 Start an Application
***

CONNECT
📸 Connect on Instagram (Tom)
📸 Connect on Instagram (Brandon)
📸 Connect on Instagram (CMG)
***

SAY THANKS
🙏 Leave a review on Apple Podcasts
🟢 Leave a rating on Spotify
***
...more
6min

FAQs about Canadian Mortgage Guide:

How many episodes does Canadian Mortgage Guide have?

The podcast currently has 24 episodes available.

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