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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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Each week, Commission Breath digs into details of how mortgage brokers & loan officers can scale their business today. Each episode is focussed on being specific with strategies & tactics that work TODAY (not what worked 2, 5, or 10 years ago). Tom & Brandon are in the trenches building their own mortgage business and share what’s working for them. You’ll also hear actionable advice from other top producers in the industry while each interview is built off of 1 specific topic, resulting in t ...
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For Canadian Entrepreneurs Seeking Financial Freedom. As a business owner, your path to financial freedom may look different than the average Canadian. The Invested Entrepreneur explores in depth discussion on Real Estate, Business, Taxes and Investing while also touching on Mindset, Health and Daily Routines. Join Tom & Brandon, two millennial entrepreneurs as they share their personal journey to Financial Independence.
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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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Louisa May Alcott's beloved 1868 novel is about the four March girls - Meg, Jo, Beth, and Amy - who are growing up in Massachusetts during the Civil War. As the novel opens, their father is away at war, and the girls are struggling to be good and to reconcile themselves to their relative poverty. Each has her trials to deal with, and they are encouraged by their loving mother, and by their friendship with their neighbor, Theodore "Laurie" Laurence. Cast:Narrator/Jo: Elizabeth KlettMeg: Ariel ...
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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 …
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares a skill that impacts almost every aspect of your business, but is often overlooked without attention to nurture it properly. Tom discusses: → Where you can use this skill and why it's so important. → Tips to improve this skill. → And how you can learn from ot…
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Join Dave Knight in this episode of the First Responders Wealth Network Podcast for an insightful chat with Brian Boyd, a tax lawyer and real estate investor from Nashville, Tennessee. Since 2017, Brian has built a successful real estate portfolio, managing multiple properties and generating significant income. Brian shares his journey and experien…
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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…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon highlights some things you can apply to your life and business to make the most out of summer in 2024. Brandon discusses: → Making time for fun activities with family and friends can actually benefit your work-life balance and productivity. → Focusing on client …
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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…
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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 …
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares his takeaways from attending the StrategyHub renewal bootcamp that was held in Toronto, hosted by Ryan Wiley, Jason Henneberry, and Jill Moellering. Brandon discusses: → The amount of Canadian mortgages coming up for renewal in the next 2 years and how yo…
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In this episode of First Responders Wealth Network Podcast, join Dave Knight and Blake Daily, a former Air Force member turned real estate investor, as they delve into the exciting world of boutique hotel investing. Blake shares his journey from military service to real estate and provides detailed insight into his latest project—a captivating 130-…
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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…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares his top 5 tips to building a solid client journey that will not only wow your clients, but get you more leads and referral partners along the way. Tom discusses: → The 17(!) steps they have in their client journey, including setting milestones for the clients…
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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→ experts@northshoregroup.ca 📝 Start an Application *** CONNECT 📸 Con…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are together at the cabin where they're doing another mastermind session. They share where they're at now with their business and what's going on in the market today, reflecting if they completed the tasks they wanted to since their last mastermind, and …
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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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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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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom debuts a new episode format called "Broker Complete", where he talks about a bunch of different topics that don't normally get covered in a regular, deep dive episode. Tom discusses: → What led to trying this new episode format and the feedback he's looking for from…
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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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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share why it's really important to invest in different areas of yourself and your life, so you can continue to grow both personal and professionally. Brandon and Tom discuss: → Investments they've made to their business like training and coaching. → 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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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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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share the top 6 mistakes they made in their first years as mortgage agents, so hopefully you can get better, quicker. Brandon and Tom discuss: → Where you should be spending most of your time and planning your day around. → Time suck areas like training,…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share how you can make it easier for people to refer you, weather that be partners or clients. Brandon and Tom discuss: → Simple ways to look more professional like your contact card, email templates, and calendar links. → Making sharable social media co…
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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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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 5 best practices and strategies he's applied to his Instagram videos to increase his views count, which have allowed him to gain 1,500 followers in the last 3 months from more exposure. Tom discusses: → Researching trends and utilizing both written and visual…
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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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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom go over why building a bigger brand equals a bigger business. They share why they discovered they needed to build a brand and what opportunities have come from it so far. Brandon and Tom discuss: → Why they changed their mind on building a brand, what th…
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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, Brandon and Tom are joined by Greg Williamson. Greg is the CRO of Lendesk and the co-founder of Finmo from Calgary, Alberta, and has been in the Canadian mortgage industry for over 25 years. He is also the co-host of the "Lead to Close: The Mortgage Professionals Podcas…
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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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We've moved! Head over to Canadian Mortgage Guide Here → https://wavve.link/canadianmortgageguide *** WATCH ▶️ Watch this episode on Youtube *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) *** SAY THANKS 🙏 Leave a review on A…
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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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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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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom go over how to use video to scale your business. In part 2 of a 2 part episode, they focus on how you can use video to increase your lead count. Brandon and Tom discuss: → Specific videos they send to Realtor partners and clients. → Sending weekly videos…
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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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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom go over how to use video to scale your business. In part 1 of a 2 part episode, they focus on where video is in their client journey. Brandon and Tom discuss: → How using video has helped build their brand. → How they've improved their communication with…
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NEW FREE TRAINING VIDEO: https://www.911wealthnetwork.com/training If you have an extra minute, please leave us a review on Apple Podcast and share your thoughts with us. It helps our growth and keeps us going! Reach out to Dave directly: Instagram: @daveknighter Email: dave@911wealthnetwork.com Connect with Tom Moffat: iTunes:https://podcasts.appl…
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We've moved! Head over to Canadian Mortgage Guide Here → https://wavve.link/canadianmortgageguide *** WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon share their 6 step process on how to build your work week and scale your business. What was discussed: → Personal and professional non negotiables. → Park…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom do a deep dive on what to do if you lose a client, and tactics for how you can create stickier relationships with them so it doesn't happen as often. Brandon and Tom discuss: → How everyone loses clients, and the more clients you have, the more you will …
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We've moved! Head over to Canadian Mortgage Guide Here → https://wavve.link/canadianmortgageguide *** 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 va…
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We've moved! Head over to Canadian Mortgage Guide Here → https://wavve.link/canadianmortgageguide *** WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon share tips and tricks to making your first $100,000, because this is usually the hardest milestone to get to as an entrepreneur. What was discussed: → How…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share how they cover for each other while on vacation, and how you can do the same to allow yourself to rest and recharge while your business keeps moving forward. Brandon and Tom discuss: → How you can establish a "broker buddy" to manage your files and…
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We've moved! Head over to Canadian Mortgage Guide Here → https://wavve.link/canadianmortgageguide *** 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 an…
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Description: In this episode, real estate expert Dave Foster unravels the intricacies of 1031 exchanges. He sheds light on how this financial strategy empowers individuals to sell investment properties and defer tax payments by reinvesting the proceeds into new investment opportunities. Dave underscores the advantages of integrating 1031 exchanges …
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