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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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Canadian real estate investors, this is for you! The Well Off Podcast is for those that want to learn how to invest in real estate or scale their portfolio in Ontario and in other provinces in Canada. We discuss wealth, business and relationships. Inspirational and positive content to help you on your journey to becoming "well off". Presented by Georges El Masri, an Ontario real estate investor and realtor.
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911WealthNetwork.com Founder and Host, Dave Knight is a full time Police Officer who outside the workplace has been able to grow a multi-million dollar rental income portfolio. First Responders Wealth Network Real Estate Investing Podcast was created to help ALL First Responders become educated and exposed to the possibilities of real estate investing, the strategies used to grow your wealth, and to stop relying on your paycheque and pensions alone. Top millionaire investors, industry leadin ...
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Sold in the 6ix is your insider connection to the ever-evolving Toronto real estate scene, hosted by Desmond Brown from RE/MAX Hallmark. This podcast is a treasure trove for anyone involved in the Toronto real estate scene. Whether you're stepping onto the property ladder in Ontario's vibrant GTA, looking to invest in the market, a realtor yourself, or simply fascinated by the unique homes that dot the 6ix. Desmond, a seasoned Toronto realtor, taps into his vast network to bring listeners ex ...
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Welcome to the Return On Lifestyle podcast host by Paul D'Abruzzo. Paul is the leader of the Expert Investor Team, an Industry Leading Investor-Focused Realtor & Sales Team, a regular industry Speaker & Goals-Oriented Coach. Based out of Rock Star Real Estate, a brokerage well known in Ontario in Real Estate Investment education and sales, Paul and his team specialize in the Acquisition and Sale of Investment & Development Grade Property in Southern Ontario. Together with his wife, Paul D’Ab ...
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Welcome to the home of all things Toronto Real Estate. This podcast has GTA market updates and investing tips for new and experienced investors. Bradley is the founder of Watson Estates, investor and real estate broker in Canada’s greatest city. To connect with us visit www.linktr.ee/WatsonEstates Yours in Real Estate, Bradley Watson Broker at Sutton Group - Summit Realty Inc. , Brokerage. Phone: 647-206-9554 Email: bradley@watsonestates.ca
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The Realty Deal

Stephanie Pinet

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Stephanie Pinet is a Real Estate Broker & Investor in Halton - Muskoka Ontario, Canada. She strives to educate people about what to expect in a Real Estate Deal, and how to Maximize your Profits as a Buyer, Seller, or Investor. Stephanie's passion for growing one's financial legacy has introduced her to many facets of the real estate world that she is keen to share with her listeners. Stephanie is a full time Broker with The Agency, and finished her 4 year term in 2021, serving on the Board ...
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RE/MAX LINDA PINIZZOTTO REAL ESTATE MAGIC

Linda Pinizzotto Realtor ® #Entrepreneur #Investor #Philanthropist

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RE/MAX Realtor Linda Pinizzotto and Owner of the LINDA PINIZZOTTO Real Estate GROUP has a partnership with RE/MAX Realty Enterprises Inc at her boutique office building in South Mississauga. She is a savvy Real Estate #Investor #Entrepreneur #RadioShowHost and #Philanthropist. An expert in her field Linda represents Clients with their sales and purchases of all type of Real Estate and Investment Properties in Ontario with a Referral Network system in #Canada, #UnitedStates and #Europe. Wheth ...
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About Sunil Tulsiani: Sunil Tulsiani, an honoured personality of Canada, is a former police detective of the Ontario Provincial Police (OPP) turned real estate investor. After 15 years in the force, he walked away because he found himself spending too much time at work and not enough time with his family. Sunil turned to real estate investing, buying and selling 77 properties in his first year alone. This left him known as “the wealthy cop,” this beloved nickname has stuck around to this day ...
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Warning - Risks of Neighborhood Decline When Investing in Real Estate Everything in life has risks. Not investing adds certain types of risks, while investing adds other risks. One risk that some real estate investors face is the possibility that the neighborhood they're investing in will decline, causing values and/or rents to drop. So, how do we …
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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→ experts@northshoregroup.ca 📝 Start an Application **…
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Cindy Wennerstrom, an experienced real estate investor and property consultant, offers renovation and cashflow strategies to her clients through ORO Properties. Beginning at a young age, Cindy successfully grew her cashflow and expanded her portfolio over the years. Leveraging her expertise in renovations, she crafted a stunning custom home in Miss…
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In this episode of the First Responders Wealth Network Podcast, join Dave Knight as he guides first responders to transform their financial outlook through real estate investment. From personal financial stability to wealth creation beyond traditional employment, Dave delves into transitioning from mere property flipping to retention amidst tight c…
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Kyle Pearce, a former math teacher turned successful real estate investor and entrepreneur, is driven by numbers and a passion for education, which have propelled him to strategic success in real estate and corporate wealth management. Discover Kyle’s invaluable insights, strategies, and wealth-building secrets. From navigating real estate portfoli…
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In this episode of Sold in the 6ix, Desmond Brown discusses two cases of unethical behaviour by real estate agents in Ontario. The first case involves an agent who allowed a buyer to start renovations on a property before the sale was finalized, resulting in a $10,000 fine. The second case involves an agent who repeatedly violated regulations, incl…
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How to Analyze a Duplex Some real estate investors are sensitive to their ability to get ten 30-year fixed rate financing loans and would prefer to fill those loan spots with larger purchases than just single family rental homes. One way to do that is to buy more expensive properties like duplexes, triplexes or fourplexes. In this class, James will…
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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…
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In this episode of the First Responders Wealth Network Podcast, join Dave Knight and Nicholas Regina, the visionary CEO of Spark Finance Group, as they discuss the importance of financial planning for first responders. Explore Florida's vibrant business landscapes as Nicholas shares his insights on seizing investment opportunities, including pre-co…
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How to Calculate PMI If you're a house hacker, Nomad™, investor buying properties with less than 20% down, or buying creatively where the seller has PMI, you'll want to make sure you know how to analyze deals that have Private Mortgage Insurance. In this mini-class, James will cover how to analyze deals that have PMI, with an emphasis on doing it u…
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Prior to becoming a REALTOR®, Serena ran her own brand experience agency for around 18 years. She grew the agency to ten full-time and over 2,200 part-time staff across the country. She currently focuses on working as a REALTOR® and active real estate investor. She also hosts a podcast called “Inspired To Invest”. On this episode, we discuss: - Sel…
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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 …
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A house is more than a home; it's a story waiting to be told. In this episode, Des checks in with veteran home inspector Richard Gaughan in a deep dive into the evolving dynamics of property evaluation. Amidst a market that once raced past such precautions, they explore how buyers and sellers are now embracing the protective reassurance of detailed…
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In many cases—not all, but many cases—real estate investors can speed up the time it takes to become financially independent by choosing to pay off the mortgages on their properties early. Sometimes it makes sense to take every extra dollar beyond a healthy amount of reserves and aggressively pay off properties as quickly as possible. Other times, …
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Deal Alchemy™ - Residential vs Commercial Property Deal Alchemy™ is all about manipulating the returns you're earning on your investments. Often, this is done through the choices we make when selecting the investment property and the strategies we choose to implement. For example, you could choose to invest in residential properties where your tena…
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Are you ready to dive in and transform your financial future? Join us as we peel back the layers of financial planning, delving into the nuances of tax strategies and investment savvy. Let’s unravel the mysteries together and discover how to thrive in the ever-evolving landscape of taxes and investments. Are you ready to dive in and transform your …
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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…
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Join Dave Knight in this episode of the First Responders Wealth Network Podcast as he unpacks key insights where Daniel Hogenbirk, a seasoned investor and former landscape contractor, shares his journey into infill development within the Durham region. Discover how Daniel emphasizes the power of partnerships in acquiring properties for projects lik…
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In this episode of the Return on Lifestyle show, I delve into the principle that investments should not only yield financial returns but also enhance one's lifestyle. My guest, Christian Kalb, a dedicated real estate investor since 2016, primarily in Southern Ontario, shares his journey with us. He focuses on acquiring small multi-unit properties a…
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Cory Matthews has been in Real estate for the past ten years. He and his wife started investing in real estate in 2015. They had a very small budget when it came to renovating their first rental property and they’ve built their portfolio to 12 units to this point. On this episode, we discuss: - Learning about renovations through DIYs and hiring the…
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In this episode we dive into the innovative business model of Openroom, founded by Weiting Bollu. Openroom is revolutionizing the rental market! It’s an online database that has the names of tenants and landlords who have been found at fault by the Landlord and Tenant Board. Openroom helps with the due diligence that all landlords and tenants shoul…
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Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has t…
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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…
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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…
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Hear the unexpected story of a real estate entrepreneur who revolutionized property management software, offering custom solutions at an astonishingly affordable rate. Uncover the secrets to efficiently scaling your real estate business, revealed in a candid conversation with Anash, the mastermind behind this game-changing innovation. But there’s m…
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How to Analyze Buying a Rental Property at a Discount in Ontario Some real estate investors insist on only buying properties where they can purchase them at a significant discount. While not mutually exclusive, other investors insist on buying quality properties at a fair price as long as it gets them their desired returns and will stand the test o…
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Shane is a Canadian investor from out west, who initially focussed on mobile parks, but then transferred into large apartment buildings. He currently owns and operates approximately 300 units under management and is continuing to grow through his company XS Asset Management. NEW FREE TRAINING VIDEO: https://www.911wealthnetwork.com/training If you …
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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…
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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…
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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…
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Daniel Foch is a real estate broker, working in the real estate industry for over 15 years. Daniel and his team have transacted over $250M in real estate across a variety of asset classes. Daniel was an active instructor, contributor and researcher in the University of Guelph’s Real Estate Faculty. He hosts The Canadian Real Estate Investor Podcast…
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Make real estate investment your new reality. Desmond and real estate guru Todd C. Slater explore the path to investment success for the average person. They look at the significance of defining your investing "why," the strategic approach to financial readiness, and the smart utilization of home equity to kickstart your investment journey. Des and…
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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…
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How to Calculate PMI If you're planning to buy a property and put less than 20% down, you're likely to be required to pay Private Mortgage Insurance. Lenders prefer that you put at least 20% down, but if you insist on putting less than 20% down, they may still make the loan. However, they will usually do so at a slightly higher mortgage interest ra…
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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…
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Are you ready to dive into an inspiring and action-packed podcast episode? We have Suman Chakraborty, a dynamic entrepreneur who has scaled from two single-family properties to over 200 doors in just a few years. Join us as he shares his journey of starting in real estate as an immigrant in 2019, leveraging mentorship, networking, and the power of …
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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…
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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…
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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 …
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There are a large number of investing strategies you could pursue as a real estate investor: Nomad™, house hacking, fix and flip, buying 20% down rentals, buying 25% down rentals, saving up to buy free and clear rentals and many, many more options. Which is the best? Which gets you to financial independence fastest? Which gives you the highest net …
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I had the pleasure of sitting down with Dave Knight, a fellow first responder and real estate investor from Ontario. As a former first responder myself, it was incredible to connect with someone who shares my passion for both serving the community and building wealth through real estate. In this episode, Dave takes us on his journey from buying his…
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It’s no secret Canada’s over 65 population is swelling. With 7.6 million Canadians now aged 65 or older, the importance of having affairs in order is more important than ever. Guest Garry Cass explains the difference between a power of attorney and a will, and the importance of updating wills regularly. He also discusses the complications that can …
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