Best Fhsa Podcasts (2025)

1
How to Invest Simply and Successfully: A Guide for Ordinary Canadians 1:02:14

23d ago1:02:14

1:02:14

You’ve probably heard plenty of advice about the importance of investing. But how do you actually get started if you don’t know much about it? My guest today is John Robertson - author of The Value of Simple, one of the most respected investing guides in Canada. John has spent decades helping Canadians understand the basics of investing, and is kno…

1
Smart Ways to Save Money in Canada 43:12

1M ago43:12

43:12

You’ve heard the advice that to get ahead financially, you need to cut costs, and save more. But what if there was a way to do that without giving up the things you enjoy - no drastic lifestyle changes, just smarter decisions that free up cash every month? My guest today is Gordon Stein, a keynote speaker, an educator and an author of Cashflow Cook…

1
Understanding Income Tax in Canada: The Basics You Need to Know 30:20

1M ago30:20

30:20

When people think about income tax, they often think about tax filing season. But understanding how taxes actually work is one of the most important parts of building wealth. Taxes influence where we save and how we invest. My guest is Amanda Doucette, a tax lawyer, TEP, and host of The Tax Chick podcast. In our conversation, Amanda breaks down the…

1
Bank of Canada CUTS Interest Rates - What This Means for YOU 14:43

10M ago14:43

14:43

▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon discuss the Bank of Canada announcement for March. 📞 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 o…

1
Unlocking the FHSA with Scott McEachern 10:54

1y ago10:54

10:54

In this episode of Homeowner AF, I sit down with Scott McEachern, a Certified Financial Planner based in Barrie, Ontario. Scott specializes in helping families make smart financial decisions, from securing the right life insurance to planning for their biggest financial goals like becoming debt-free, saving for their kids’ education, or buying thei…

1
Bonus Episode: New Mortgage Regulations for First Time Buyers 9:40

1+ y ago9:40

9:40

Brianna is back with timely information for Canadian First Time Homebuyers: Coming into effect December 14, 2024, first-time buyers in Canada will have access to 30-year amortizations on insured mortgages. Also released were details about the insured mortgage cap which is now $1.5 MM compared to the previous $1MM maximum purchase price. Listen in t…

1
24: Is Trudeau Secretly Creating ANOTHER Housing Tax? 6:32

1+ y ago6:32

6:32

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→ experts@northshore…

1
23: Interest Rates DECLINING in Canada - July Rate Update 10:08

1+ y ago10:08

10:08

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 …

1
22: Interest Rates & Affordability TODAY vs. 2022 - Is It A Good Time To Buy? 5:33

1+ y ago5:33

5:33

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] 📝 S…

1
21: Why Canadians Are Investing in the U.S. 36:42

1+ y ago36:42

36:42

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…

1
20: No Downpayment? No Problem 7:18

1+ y ago7:18

7:18

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 …

1
19: Insider Tips for Getting a Mortgage Pre-Approval 11:17

1+ y ago11:17

11:17

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 meaning…

1
18: 5 Ways To Pay Off Your Mortgage FASTER in 2024 16:56

1+ y ago16:56

16:56

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 paymen…

1
17: Bank of Canada CUTS Rate For First Time In 4 Years - What You Need To Know 5:15

1+ y ago5:15

5:15

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 …

1
16: Using your FHSA to Build CRAZY Wealth 9:24

1+ y ago9:24

9:24

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 📞 Bo…

1
15: Attention Parents: Charge Your Child Rent 5:41

1+ y ago5:41

5:41

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 📸 Con…

1
14: A Huge Market Opportunity 3:10

1+ y ago3:10

3:10

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 **…

1
13: How Much Can I Expect to Spend On a Million Dollar Home? 6:03

1+ y ago6:03

6:03

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…

1
12: Canada Proposing Increased Capital Gains - What You Need To Know 6:12

1+ y ago6:12

6:12

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 …

1
11: NEVER Do These 10 Things When Getting a Mortgage 10:13

1+ y ago10:13

10:13

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/pl…

1
10: Bank of Canada Holds Rates Steady - When Will We See Rate Cuts? 8:07

1+ y ago8:07

8:07

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 t…

1
9: Mortgage Mistakes Canadians Need to Avoid 6:41

1+ y ago6:41

6:41

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 m…

1
8: Should You Wait to Buy a Home? 3 Things to Consider 2:57

1+ y ago2:57

2:57

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 📧 Ema…

1
7: Adjustable vs Variable Rate Mortgage | What’s Best? 5:50

1+ y ago5:50

5:50

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…

1
Is Credit Utilization Killing Your Mortgage Application? 6:09

1+ y ago6:09

6:09

Are you making the minimum payments on time, on all your debts, but still seeing your credit score decline? You might be using too much credit. In today's episode, Brianna talks about credit utilization. She discusses: Credit utilization: What it is How it's measured What to do if your credit utilization is too high Resources: More about credit uti…

1
6: Should You Declare More Income to Qualify With the Banks? 13:27

1+ y ago13:27

13:27

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 financia…

1
5: MORTGAGE BROKERS EXPLAIN: How to Have the Best Credit Score 17:20

1+ y ago17:20

17:20

WATCH ▶️ 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: → Different factors that influence your score. → Common misconceptions. → Tips, Tricks and Strateg…

1
4: Biggest Mistakes Real Estate Investors Make with Their Taxes, with Tax Expert Cherry Chan 24:54

1+ y ago24:54

24:54

WATCH ▶️ 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, h…

1
Timing The Market With Alex Mohr 21:12

2y ago21:12

21:12

In this week's episode, Brianna and Alex, a fellow mortgage agent, chat about timely topics affecting mortgage holders and homebuyers in the Spring of 2024. Connect with Alex Instagram @Alex_Mohr Connect with Brianna: Instagram: @briannagoslinmortgages Email: [email protected] If you enjoyed this episode, please leave a review on your f…

1
3: Renewing Your Mortgage In Canada - 4 Tips 9:10

2y ago9:10

9:10

WATCH ▶️ 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: → When you should start planning for renewal and assessing your life goals. → Mortgages features and what they mean, including porting, penalties, pre-payment pri…

1
2: Multiple Offers? Do This To Win The Home 8:30

2y ago8:30

8:30

WATCH ▶️ 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: → Preparation and contingency plans. → Having your home ready to sell. → And how connecting with the listing agent for…

1
1: Mortgage Interest Rates In Canada | March 2024 4:47

2y ago4:47

4:47

WATCH ▶️ 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: → How fixed and variable rates work. → Spreads on variable and fixed rates in different types of mortgages. → And which rates are the ones banks showcase …

1
Boutique Service at No Cost To You: How to Get Your Best Rate This Spring 8:33

2y ago8:33

8:33

In this episode, discover the benefits of working with a mortgage agent for Canadian first-time homebuyers. Learn why rate shopping without guidance is unwise and explore: Why a mortgage agent is essential for your credit: Understand the pivotal role of a mortgage agent in safeguarding and optimizing your credit score. The value of post-close suppo…

1
How Much Cash Do I Need To Close? 5:46

2y ago5:46

5:46

Congratulations! You've saved your downpayment, and you're ready to buy... but how much more cash will you need to close on your first home purchase? Listen in to learn: How to determine your minimum downpayment amount How to calculate your closing costs How much cash you need to close your first purchase Resources: Check out this minimum downpayme…

1
Should I Choose A Fixed Rate or Variable Rate Mortgage in 2024? 12:37

2y ago12:37

12:37

Fixed or variable rate mortgage in 2024? Which one is right for you? In today's episode, Brianna explains: how the fixed interest rate is determined how the variable interest rate is determined pros and cons of each mortgage product PLUS Which mortgage product first time homebuyers are choosing most often in March 2024. Questions? Connect with Bria…

1
How To Plan Your Purchase Price 8:09

2y ago8:09

8:09

Did you know that what you qualify for, may not be what you can actually afford? Listen in to learn more. Connect with Brianna on Instagram @briannagoslinmortgages Send Brianna an email: [email protected] Learn more about minimum downpayment requirements: https://podcasts.apple.com/ca/podcast/talk-downpayment-to-me/id1670967579?i=100060…

1
3 Strategies My First Time Homebuyer Clients Used in 2023 8:45

2y ago8:45

8:45

2023 was a rough year for first-time home buyers, yet most of my clients were first-time buyers! Curious about how they did it? My buyers leveraged: Gifted Downpayment The Canadian Homebuyer's Plan and The First Home Savings Account Cosigners and Guarantors Want to get started? Reach out at [email protected] to start your pre-approval o…

1
Offer Accepted! Now What? 7:58

2y ago7:58

7:58

You've gone house hunting, you've found " The One", you've submitted your offer and finally, OFFER ACCEPTED! But what's next? Listen in to learn: What happens before fulfilling the condition of financing What a lender is looking at during the condition of financing Why you may still need to submit documents to your mortgage professional at this tim…

1
Falling Interest Rates and Multiple Offers: Why you STILL Need a Pre-Approval in the Spring 2024 Market 9:17

2y ago9:17

9:17

In this timely episode, Brianna talks about the role of proper pre-approval in the first homebuying process as it pertains to the Spring 2023 market. Listen in to learn: What's going on in the Real Estate Market right now The offer process How to prepare for a multiple-offer situation How Brianna works with First Time Homebuyers, (AND gives them a …

1
House Hacking, Homebuying in Sudbury and Ten Dollar Building Lots with Emily Cerilli 22:24

2y ago22:24

22:24

Emily Cerilli aka @sudburyrealtor.emily, visits the pod to chat: The Sudbury, Ontario market and the opportunities that exist in the Northern community HOUSE HACKING: What it is, and why you should explore this opportunity to add income to your mortgage application and get into the market quicker. Cochrane’s $10.00 building lot offering First-time …

1
Husmates and Co-Ownership with Lesli Gaynor and Parimal Gosai 25:54

2y ago25:54

25:54

Lesli Gaynor and Parimal Gosai, realtors and creators of the Husmates app, drop in to chat: the benefits of co-ownership and the diverse opportunities that open up with this model of homebuying how it works and where to start What’s next for Husmates and what we need now in Canada to promote more affordable housing Check out Husmates: https://www.h…

1
Accelerating The Transfer of Generational Wealth: Reverse Mortgage for Downpayment 20:30

2y ago20:30

20:30

Suzy Fernandes-Arruda, BDM at Home Equity Bank (Home of the CHIP Reverse Mortgage), chats with Brianna about reverse mortgages, myths and false impressions, and how to accelerate your home ownership journey with a little help. Learn more about CHIP Reverse Mortgage here: https://www.chip.ca/ Check out the Reverse Mortgage Calculator here: https://w…

1
Data, Sentiment and EQUITY, Oh my! A conversation with Nicole Montgomery, Durham Region @raddestrealtor 29:43

2y ago29:43

29:43

Brianna chats with Nicole Montgomery @raddestrealtor about first time buying, and what’s happening RIGHT NOW in the Canadian real estate market. Listen in for: Nicole’s home ownership story Why you should be tracking BOTH data and consumer sentiment while preparing for a first home purchase Which numbers actually matter to first-time buyers Setting…

1
Seif El-Sahly: Garage Conversions, First Time Buyers, Landlord Struggles and Setting Yourself Up For Success 26:10

2y ago26:10

26:10

Seif El-Sahly drops by Homeowner AF to talk about how his company, Newfore Inc., is helping homeowners leverage their existing properties to: create more housing units in our most populated Ontario cities generate income for their financial goals (you may be surprised at just how much!) support mutli-generational living Stick around for Seif’s insi…

1
TRESA Regulations and How They Impact You with Kari Clark 20:07

2y ago20:07

20:07

Muskoka realtor with Coldwell Banker, Kari Clark, stops by the pod to explain the new TRESA regulations how they will affect Ontario homebuyers Kari’s advice for first-time homebuyers looking forward to 2024 Connect with Kari on Instagram @kariclarkhomes Connect with Brianna on Instagram @briannagoslinmortgages https://maps.app.goo.gl/bRnx3wjPmw4yb…

1
The Homebuying Series: Insurance chat with Alma and Emerson 18:04

2y ago18:04

18:04

Today, in the fourth and final episode of The Homebuying Series, Alma Aquino and Emerson Munsayac from the Pineapple family chat with Brianna about: Why you need insurance: point blank, period. When you should get life insurance What options are available to you Words of wisdom for first-time buyers in 2023 and beyond Want to learn more about Pinea…

1
The Homebuying Series: "What happens at the lawyer's office"? With Melissa Douglas 24:24

2y ago24:24

24:24

Lawyer and owner of Douglas Law Firm, Melissa Douglas, drops by the pod to chat about: what to expect at the lawyer’s office for your first purchase Who qualifies as a "First Time Homebuyer" how to protect yourself when purchasing with a partner things to keep in mind when purchasing after divorce Melissa's entrepreneurship journey and her words of…

1
The Homebuying Series: House Hunting with Corey Brown 18:45

2y ago18:45

18:45

This week, Brianna welcomes Corey, a local Muskoka Realtor They chat about: What to expect when house hunting Where to start Rural living and Muskoka real estate Tips when buying in a new municipality Check Corey out on Instagram @boughtwithbrown DM Brianna @briannagoslinmortgages on Instagram Get your money tracker at briannagoslin.com https://map…

1
The Homebuying Series: Pre-approval 11:54

2y ago11:54

11:54

This week, Brianna gives you the rundown on pre-approvals. what to expect what documents you need why you absolutely need to be pre-approved before househunting Want to get started? Get in touch! DM Brianna @briannagoslinmortgages on Instagram email Brianna: [email protected] **Get your money tracker at briannagoslin.com ** https://maps…

1
Alexandra, The Cash Flow Queen 19:26

2y ago19:26

19:26

How do first-time homebuyers save up a downpayment in 2023? They make sacrifices to get them closer to their goals! Alexandra Tejeda dropped by the pod to chat about what she's doing to kickstart her real estate investing journey and what the GTA homebuying (and leasing) landscape looks like for young Canadians. Listen to The Cash Flow Queens Podca…

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