Homeowner AF: The Canadian First Time Homebuying Podcast – Détails, épisodes et analyse

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Homeowner AF: The Canadian First Time Homebuying Podcast

Brianna Goslin

Éducation

Business & Entrepreneuriat

Loisirs

Fréquence : 1 épisode/27j. Total Éps: 44

Welcome to Homeowner AF: The Canadian First Time Homebuying Podcast, the ultimate resource for first-time homebuyers in Ontario and across Canada. Hosted by experienced mortgage agent Brianna Goslin, each week she breaks down the barriers to homeownership, offering practical, easy-to-digest advice that will help you navigate the complexities of buying your first home, while de-mystifying your entry into Canadian Real Estate.

Brianna covers topics like:

Why do I need a pre-approval?
What happens in the mortgage pre-approval process.
How much cash do I need to close?
How to expedite your down payment savings.
What you should know when purchasing your first home after a divorce.
What you need to know about credit scores.
Housing market trends.
Interest rates and how they affect you.
Essential information about home insurance for new buyers

and so many more first-time homebuying questions!

This podcast supports Canadian first-time homebuyers at every stage of the homebuying journey, from real estate curious to ready to buy househunters- Homeowner AF will keep you motivated, inspired, and well-informed about the Canadian homebuying process.

Tune in weekly for fresh insights that will make your home-buying journey feel less overwhelming and more empowering.

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What Are Closing Costs in Canada and Why Are They So Expensive? Full Breakdown for Ontario First Time Home Buyers

Épisode 4

mardi 21 avril 2026 • Durée 13:36

Today on the podcast, I am breaking down closing costs for first time home buyers in Ontario and why they are one of the most overlooked parts of the home buying process. I walk you through what you actually need saved beyond your down payment, and how to prepare for these costs so you can step into homeownership with confidence.

In this episode, I cover:

What closing costs are and why they can range from 1.5% up to 4–6% of your purchase price in Ontario
Legal fees explained, what your real estate lawyer does and how much you should budget
Land transfer tax in Ontario, including first time home buyer rebates and how Toronto differs
CMHC insurance tax and how insured mortgages impact your upfront closing costs
Additional expenses like title insurance, home inspections, appraisals and rural property considerations
How to prepare your funds, avoid surprises, and ensure your closing day goes smoothly

If you are a first time home buyer in Ontario trying to understand your true costs beyond the down payment, this episode will help you plan ahead and avoid costly surprises. Tune into Homeowner AF and take the next step toward homeownership fully prepared and financially confident.

Resources Mentioned In This Episode:
• Provincial Land Transfer Tax https://www.ontario.ca/document/land-transfer-tax ,
• Municipal Land Transfer Tax (Toronto https://www.toronto.ca/services-payments/property-taxes-utilities/municipal-land-transfer-tax-mltt/municipal-land-transfer-tax-mltt-rates-and-fees/

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

Website: http://www.briannagoslinmortgages.com
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

What is a Pre-Approval and Why Do I Need One? Mortgage Pre-Approval Explained

Épisode 3

mardi 21 avril 2026 • Durée 15:43

Today on the podcast, I am walking you through the true starting point of your homeownership journey as a first time home buyer in Ontario, and why getting a mortgage pre-approval before house hunting is one of the most important steps you can take. I break down exactly what a pre-approval includes, how it impacts your affordability, and how it sets you up to confidently enter the Canadian real estate market.

In this episode, I cover:

What a mortgage pre-approval is and how it determines your maximum purchase price and monthly payment
The three key factors lenders assess: income, credit, and down payment for first time home buyers
How a rate hold works and how it protects you from rising interest rates in Ontario
The difference between a pre-approval and a pre-qualification and why that matters for your home buying strategy
What documents you need, including T4s, NOAs, credit reports, and down payment verification
How working with a mortgage agent versus a bank can impact your mortgage options and approval

If you are a first time home buyer in Ontario looking to understand your numbers, strengthen your application, and move toward homeownership with confidence, I hope this episode will give you the clarity and strategy you need.

Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast!

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

Should I Choose A Fixed Rate or Variable Rate Mortgage in 2024?

Saison 2 · Épisode 18

mercredi 6 mars 2024 • Durée 12:36

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.

Join Brianna's Email List for Exclusive Updates:
Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

How To Plan Your Purchase Price

Saison 2 · Épisode 17

mercredi 28 février 2024 • Durée 08:09

Did you know that what you qualify for, may not be what you can actually afford? Listen in to learn more.

Book a Call with Brianna:

Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8

Join Brianna's Email List for Exclusive Updates:
Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

3 Strategies My First Time Homebuyer Clients Used in 2023

Saison 2 · Épisode 16

mercredi 21 février 2024 • Durée 08:44

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

Join Brianna's Email List for Exclusive Updates:
Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

Offer Accepted! Now What?

Saison 2 · Épisode 15

mercredi 14 février 2024 • Durée 07:57

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 time
How much you should save for closing costs

Join Brianna's Email List for Exclusive Updates:
Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

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

Saison 2 · Épisode 14

mercredi 7 février 2024 • Durée 09:16

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 competitive edge in multiple offer situations)

Join Brianna's Email List for Exclusive Updates:
Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

House Hacking, Homebuying in Sudbury and Ten Dollar Building Lots with Emily Cerilli

Saison 2 · Épisode 13

mercredi 31 janvier 2024 • Durée 22:23

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 homebuyer mindset

Connect with Emily on Instagram @sudburyrealtor.emily

Join Brianna's Email List for Exclusive Updates:
Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

Husmates and Co-Ownership with Lesli Gaynor and Parimal Gosai

Saison 2 · Épisode 12

mercredi 24 janvier 2024 • Durée 25:53

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.husmates.com/
Connect with Parimal @parimalgosai on Instagram
Connect with Lesli @gaynorlesli on Instagram

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

Accelerating The Transfer of Generational Wealth: Reverse Mortgage for Downpayment

Saison 2 · Épisode 11

mercredi 17 janvier 2024 • Durée 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://www.chip.ca/reverse-mortgage-calculators/

Specific Questions? Ready to get started?
Book a free call with Brianna: www.Bricallme.com

Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites

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