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Canadian Mortgage Guide

Tom Moffat & Brandon Love

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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 topics into simple, digestible podcasts that have no fluff, no bs, and are straight to the point. What you can expect from our show: - Market updates & insights - How to get the best mortgage - Tips on how to buy your first home, move up the property ladder, or become a real estate investor
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The Access Ideas podcast hosted by Janna takes a closer look at popular ideas about culture, psychology, and well-being. Now in our second year, weā€™ve had the privilege of talking to distinguished guests and experts who are equally passionate about exploring what matters and making meaningful connections between disparate ideas. There's still so much to discover and explore, and we can't wait to share it with you. We'll be bringing you more in-depth interviews, insightful commentary, and tho ...
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Welcome to Five Minutes with Mint, the podcast where we dive deep into real estate, credit repair, financial literacy, and much, much more. I'm your host, Tamintris Robinson, I'm here to empower and educate you so that you can make informed decisions when it comes to your personal finance. But that's not all! We'll also touch on topics such as understanding insurance, estate planning, taxes, and other financial aspects that impact our lives on a daily basis. You'll gain the knowledge and con ...
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On the Mortgages Made Easy Podcast, host Dave Steinberg interviews real estate agents, financial planners, attorneys, investors and entrepreneurs about successes, failures, and hard-earned lessons. The Mortgages Made Easy Podcast gives you information from a variety of mortgage and real estate experts with hands-on knowledge to help you through the home loan process process. The Mortgages Made Easy Podcast shares tips, tricks, hacks, and knowledge to help you buy a home, refinance, or invest ...
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Steele Consulting is led by Hasani Steele who is highly regarded by his colleagues & clients & has earned a reputation for a high level of knowledge & integrity in all of his collaborations.
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We discuss all things related to fun times with family, good food, and great tips and lessons on real estate. Discover with us the communities here in the Des Moines Metro and Surrounding Areas. Tune in for insightful guests and spotlights of our local businesses, as we strive to support our own small businesses in the area. We have found our home in Iowa and hopefully you can too with our help. Check us out and let us know what you would like to hear related to these topics.
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Welcome back to another exciting episode of Mortgages Made Easy Podcast! In this episode, your host Dave Steinberg sits down with Jeff Thomas, Loan Officer at Primary Residential Mortgage Inc., to delve deeper into the topic of making large downpayments. This is the third and final part of our insightful series with Jeff, where he shares invaluableā€¦
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Send us a Text Message. If you are interested in buying a home but need help with your down payment, we can help. At the Texas State Affordable Housing Corporation (TSAHC), we help both first-time home buyers and repeat buyers purchase a home. We are a nonprofit organization that was created by the Texas Legislature to help Texans achieve their dreā€¦
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WATCH ā–¶ļø 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. šŸ“ž Book a Call with Brandon *** MORTGAGE INQUIRIES šŸ“ž Book a Call šŸ“§ Email usā†’ experts@northshoreā€¦
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WATCH ā–¶ļø 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: ā†’ The differences between fixed and variable rates, the bond market, and the overnight prime rate. ā†’ The ā€¦
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Welcome back to the Mortgages Made Easy Podcast! In this exciting Episode 40, your host Dave Steinberg sits down with Jeff Thomas, a seasoned Loan Officer at Primary Residential Mortgage Inc. In part two of this compelling series, Jeff shares valuable insights and strategies for navigating potential job loss while managing your mortgage and financiā€¦
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WATCH ā–¶ļø 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 šŸ“ž Book a Call šŸ“§ Email usā†’ experts@northshoregroup.ca šŸ“ Sā€¦
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In this exciting episode of Mortgages Made Easy Podcast, your host Dave Steinberg sits down with Jeff Thomas, a seasoned Loan Officer at Primary Residential Mortgage Inc. Jeff shares his expert insights on the topic of cash offers in the real estate market. Tune in to hear Jeff discuss the advantages and potential pitfalls of making a cash offer, hā€¦
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WATCH ā–¶ļø 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 timeā€¦
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In this special crossover episode of Access Ideas, host Janna is interviewed by Chris Miller, host of the Talk to People podcast. They delve into dynamic communication techniques, discussing how to steer conversations, ask engaging questions, and balance authenticity and polish in dialogue. Through personal anecdotes and professional insights, theyā€¦
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WATCH ā–¶ļø 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. šŸ“ž Book a Call with Brandon *** MORTGAGE INQUIRIES šŸ“ž Book a Call ā€¦
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Welcome to another insightful episode of Mortgages Made Easy Podcast, hosted by Dave Steinberg! In Episode 37, we are excited to welcome back Mary Jean Agostini, Associate at RE/MAX Right Choice Real Estate. Join us as we dive deeper into the ongoing debate of mortgage versus cash offers in real estate transactions. Mary Jean shares her extensive eā€¦
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WATCH ā–¶ļø 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: ā†’ The difference between a pre-approval and a pre-qualification, and why pre-qualifications are meaningā€¦
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In this exciting episode of the Mortgages Made Easy podcast, host Dave Steinberg sits down with Mary Jean Agostini, an Associate at RE/MAX Right Choice Real Estate, to dive into the hot topic of whether a mortgage or a cash offer is the better option when buying a home. Mary Jean Agostini brings her extensive real estate experience to the discussioā€¦
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WATCH ā–¶ļø 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: ā†’ Explaining different methods of pre-payment privileges including accelerated and lump sum paymenā€¦
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WATCH ā–¶ļø 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 šŸ“ž Book ā€¦
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WATCH ā–¶ļø 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. šŸ“ž Book a Call with Brandon *** MORTGAGE INQUIRIES šŸ“ž Boā€¦
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WATCH ā–¶ļø 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 šŸ“ž Book a Call šŸ“§ Email usā†’ experts@northshoregroup.ca šŸ“ Start an Application *** CONNECT šŸ“ø Conā€¦
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Join us for Episode 35 of Mortgages Made Easy Podcast with your host, Dave Steinberg, as we welcome Maria Rini, Broker-Associate at RE/MAX Real Estate Limited. In this episode, Maria shares her expert insights on the dynamic changes in the real estate market and how to navigate them effectively. Connect with our Guest: Maria Rini, Broker-Associate ā€¦
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WATCH ā–¶ļø 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 šŸ“ž Book a Call šŸ“§ Email usā†’ experts@northshoregroup.ca šŸ“ Start an Application **ā€¦
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Episode 34: Fulfillment Quest: Transform Your Career and Life with Purpose ft. Anshuma Arora Mukkamala Join us on Mortgages Made Easy as we welcome life coach Anshuma Arora Mukkamala, founder of Your Purposeful Life LLC. In this enlightening episode, Anshuma dives into how purpose can revolutionize both your career and personal life. Discover actioā€¦
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WATCH ā–¶ļø 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: ā†’ Breaking down the mortgage down payment, amortization, rate, and property taxes. ā†’ Howā€¦
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Explore the world of artificial intelligence with Fiona Passantino, an international speaker, blogger, and the award-winning author of the "Comic Books for Executives" series. Based in the Netherlands, Fiona excels at making AI understandable for non-technical audiences, integrating it seamlessly into corporate communication and culture. Fiona willā€¦
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šŸŽ™ļø Headline: Episode 33 - Beyond the Courtroom: Exploring Family Resolution Strategies with Sharon Johnson In this enriching episode of the Mortgages Made Easy Podcast, host Dave Steinberg welcomes Sharon E. Johnson, a seasoned principal at Johnson & Johnson, Attorneys At Law. With over 25 years in matrimonial and family law, Sharon brings a wealthā€¦
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WATCH ā–¶ļø 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: ā†’ How the new capital gains tax will work. ā†’ An example ā€¦
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Episode 32: TechTuned: Aligning I.T. Brilliance with Your Business Goals with Jack Watkinson Join us for a riveting episode of Mortgages Made Easy as host Dave Steinberg welcomes Jack Watkinson, a seasoned Business Technology Consultant from Outsource My I.T. LLC. Dive into the intricate world of aligning information technology with your business sā€¦
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WATCH ā–¶ļø 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: ā†’ Making big purchases or opening new forms of credit. ā†’ Making risky investments or moving/changing/plā€¦
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Episode 31: Legacy & Leadership: From Community Roots to Insurance Giants with Lillian Chapman Join us on this inspiring episode as we dive into the world of insurance with Lillian Chapman, Agency Principal at Albert J. Chapman Insurance. Discover how Lillian has cultivated a legacy of leadership and community involvement, transforming their agencyā€¦
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WATCH ā–¶ļø 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: ā†’ Why we haven't seen any rate cuts yet and when we might see the first rate cut tā€¦
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WATCH ā–¶ļø 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: ā†’ Paying off your mortgage and locking into too long with fixed rates. ā†’ Understanding pre-payment privileges and mā€¦
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WATCH ā–¶ļø 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: ā†’ Normal range of fixed rates. ā†’ Shrinking your debt. ā†’ Maximizing leverage. *** MORTGAGE INQUIRIES šŸ“ž Book a Call šŸ“§ Emaā€¦
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WATCH ā–¶ļø 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: ā†’ What adjustable rate mortgages are. ā†’ What static (variable) rate mortgages are. ā†’ And whatā€¦
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WATCH ā–¶ļø 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: ā†’ The differences between "A" and "B" lenders. ā†’ Looking at your financiaā€¦
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Dive into the world of ecommerce transformation with Diana Birsan, the co-founder of Downpay, a groundbreaking service thatā€™s changing the way we shop online. Diana started with an idea at Shopify and evolved it into Downpay, a system that simplifies buying with deferred payments. Downpay is directly tackling the challenges of sustainability and afā€¦
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WATCH ā–¶ļø Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom discuss what it takes to have sparkling credit. Let this episode be your go-to resource for all things related to your personal credit. What was discussed: ā†’ Different factors that influence your score. ā†’ Common misconceptions. ā†’ Tips, Tricks and Strategā€¦
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WATCH ā–¶ļø Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom and Brandon are joined by Cherry Chan, CPA. Cherry is the Founder of Real Estate Tax Tips from Oakville, Ontario, a dedicated accounting practice for real estate investors, property managers, contractors, builders, real estate agents, and mortgage brokers. Cherry, hā€¦
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WATCH ā–¶ļø Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 4 things you should know if you're coming up for mortgage renewal in Canada. What was discussed: ā†’ When you should start planning for renewal and assessing your life goals. ā†’ Mortgages features and what they mean, including porting, penalties, pre-payment priā€¦
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WATCH ā–¶ļø Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares tips and tricks on how you can navigate multiple offers scenarios, and make sure you are the one who wins the house. What was discussed: ā†’ Preparation and contingency plans. ā†’ Having your home ready to sell. ā†’ And how connecting with the listing agent forā€¦
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WATCH ā–¶ļø Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares an update on Canadian interest rates for March, 2024, and the trend he sees in them. What was discussed: ā†’ How fixed and variable rates work. ā†’ Spreads on variable and fixed rates in different types of mortgages. ā†’ And which rates are the ones banks showcase ā€¦
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Dive into the dynamic world of business evolution with Inga Nwagbu, the force behind Eye of Another. Inga has journeyed from classic management roles to guiding companies through their expansion and fine-tuning their operations. She unveils her strategy for aligning a business's activities with its long-term goals, ensuring seamless integration andā€¦
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šŸŽ™ļø Welcome to Mortgages Made Easy, where we break down complex real estate topics to make your home buying journey a breeze! In Episode 30, your host Dave Steinberg is joined by the knowledgeable Erika Baldino, Executive Vice President at Kensington Vanguard National Land Services, LLC. Together, they're here to demystify the world of title insuranā€¦
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Welcome to another insightful episode of "Mortgages Made Easy"! In Episode 29, your host Dave Steinberg sits down with a distinguished guest, Darren Smith, a seasoned Business Intermediary, advisor, and highly successful entrepreneur. With an impressive background spanning over 25 years in business and ownership, Darren has amassed a wealth of expeā€¦
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Send us a Text Message. Why are use identity IQ not only will you pull your credit report and get an evaluation of what is actually happening with your credit report you were actually save money meaning that identity IQ we help monitor your checking account lost items and much much more. Please listen to our video and click the link below to learn ā€¦
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Send us a Text Message. So whatā€™s new with Credit scoring? Iā€™m gonna go over five items briefly with you in regards to what new with credit score this certificate comes from 2009. Of course we had a whole new year but for those who have been left behind Iā€™m here to get you caught up with 2024 credit scoring payment history in the past. This has beeā€¦
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Join us as we sit down with Krati Mehra, the creative force behind the Experible podcast. After transitioning from a corporate career to an advocate for self-empowerment and personal growth, Krati shares her deep commitment to helping others realize their ambitions. Her focus on building resilience and fostering emotional well-being forms the core ā€¦
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