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

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Get it on Google Play

FAQs about Canadian Mortgage Guide:

How many episodes does Canadian Mortgage Guide have?

The podcast currently has 25 episodes available.

Canadian Mortgage Guide episodes:

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
May 16, 2024 14: A Huge Market Opportunity
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Brandon shares a huge market opportunity that's happening right now thanks to the capital gains tax, and how you can take advantage of it for less money than you think.
***

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
4min
May 09, 2024 13: How Much Can I Expect to Spend On a Million Dollar Home?
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom shares how he and Brandon pre-approve clients by making a customized budget, and how much it would actually cost to purchase a million dollar home in Canada.

What was discussed:
→ Breaking down the mortgage down payment, amortization, rate, and property taxes.
→ How much cash you actually need for closing costs including down payment, legal fees, appraisals, land transfer tax, and adjustment costs.
→ What your monthly household budget would be with mortgage, utilities, property tax, and home insurance.
***

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
April 30, 2024 12: Canada Proposing Increased Capital Gains - What You Need To Know
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom & Brandon break down the new proposed increase in capital gains taxes set to come into affect in June (if it passes), and provide an example to help this make sense to the average Canadian.

What was discussed:
→ How the new capital gains tax will work.
→ An example scenario of the old capital gains tax versus the new capital gains tax.
→ Who this will affect most.
***

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
April 18, 2024 11: *NEVER* Do These 10 Things When Getting a Mortgage
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom & Brandon share 10 things you should absolutely never do when getting a mortgage, because they will affect your application in a negative way.

What was discussed:
→ Making big purchases or opening new forms of credit.
→ Making risky investments or moving/changing/playing with funds and accounts.
→ Changing your job status and co-signing for other mortgages.
***

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
April 12, 2024 10: Bank of Canada Holds Rates Steady - When Will We See Rate Cuts?
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom & Brandon explain the recent Bank of Canada Announcement which held the variable rate, meaning still no cuts this year after multiple increases since the pandemic.

What was discussed:
→ Why we haven't seen any rate cuts yet and when we might see the first rate cut this year.
→ The influence the US has on Canada and how Canadian politics will play their part.
→ And why the fixed rates will most likely increase soon.
***

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
9min
April 11, 2024 9: Mortgage Mistakes Canadians Need to Avoid
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom shares 5 common mortgage mistakes that cost individual Canadians thousands of dollar a year, and how you can avoid these pitfalls.

What was discussed:
→ Paying off your mortgage and locking into too long with fixed rates.
→ Understanding pre-payment privileges and mortgage porting
→ The co-signer trap that makes you house poor.
***

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
April 04, 2024 8: Should You Wait to Buy a Home? 3 Things to Consider
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Brandon shares 3 things to consider if you're sitting on the fence and waiting to buy, and if now could be the right time for you.

What was discussed:
→ Normal range of fixed rates.
→ Shrinking your debt.
→ Maximizing leverage.
***

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
3min
April 03, 2024 7: Adjustable vs Variable Rate Mortgage | What’s Best?
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom & Brandon explain the differences between two types of variable rate mortgages, adjustable and static, and what you need to consider when choosing them.

What was discussed:
→ What adjustable rate mortgages are.
→ What static (variable) rate mortgages are.
→ And what a "trigger rate" is and what it means if you hit it.
***

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
April 02, 2024 6: Should You Declare More Income to Qualify With the Banks?
WATCH
▶️ Watch this episode on Youtube
***

EPISODE DESCRIPTION
In this episode, Tom & Brandon discuss if you should be declaring more income as an entrepreneur in order to qualify for a traditional bank mortgage, or less in order to pay less in income tax.

What was discussed:
→ The differences between "A" and "B" lenders.
→ Looking at your financial goals as a whole picture.
→ And why it's important to work with experts in the space.
***

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
14min

FAQs about Canadian Mortgage Guide:

How many episodes does Canadian Mortgage Guide have?

The podcast currently has 25 episodes available.

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