Explorez tous les épisodes du podcast Homeowner AF: The Canadian First Time Homebuying Podcast

Not all variable rate mortgages in Canada work the same way, and understanding the difference could have a major impact on your monthly budget and long-term homeownership goals. In today's episode of Homeowner AF, I break down the two types of variable rate mortgages available to Canadian homebuyers, how they respond to Bank of Canada interest rate changes, and what you need to know before choosing one. Listen in to better understand your mortgage options and make informed decisions as you move towards homeownership in Canada.

Here’s what you’ll learn:

• The difference between variable rate and adjustable rate mortgages and why these two mortgage products behave differently when the Bank of Canada changes interest rates
• What happens to your monthly mortgage payment when prime rates rise or fall
• The pros and cons of static payment variable mortgages
• What happens when rising interest rates cause more of your payment to go towards interest and how that could impact your mortgage at renewal
• Your options for locking into a fixed mortgage rate
• Why understanding your household cash flow, risk tolerance, and long-term goals matters just as much as securing a competitive interest rate

If you're wondering which mortgage product makes the most sense for your next home purchase, renewal, or refinance, book a free call with me at www.bricallme.com for advice tailored to your specific situation. Please leave a like on this episode and subscribe to Homeowner AF for more expert advice on how to purchase a home in Canada.

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In today’s episode, I’m wrapping up the third instalment of my Wealth Within Your Walls series by talking all about Home Equity Lines of Credit (HELOCs). HELOCs are one of the most popular ways Canadians can tap into their hard-earned equity, but they’re not always an option for first-time home buyers, and I’ll be explaining why. Whether you’re currently buying your first home in Ontario or creating a homeownership game plan for the future, this episode will equip you with the knowledge you need to make confident decisions based on your goals. 

Stay tuned to learn:

• What a HELOC is and why you only pay interest on the amounts you borrow
• Why Canadian first-time buyers usually can’t access a HELOC right away and what has to happen first
• How parents can use a HELOC to gift their kids a down payment without touching their registered investments
• Why a HELOC can be a smart backup when an emergency costs more than your emergency fund covers
• The “pay to play” rule of HELOC payments and the credit mistake to avoid
• What hybrid mortgages are and who they might make sense for

If you’re a first-time buyer in Ontario and think a HELOC might be something you want to access, let’s talk about it now. Book a free discovery call with me at www.bricallme.com and I’ll walk you through what a HELOC could look like for you as a Canadian borrower. If you have more questions, send me a voice note or message on Instagram @briannagoslingmortgages for a chance to have your question featured on the podcast.

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Welcome back to Homeowner AF! This is the second installment in my Wealth Within Your Walls series, and today we’re talking about refinancing your mortgage: what it is, why people do it, and what you need to consider if it’s part of your financial plan as a homeowner. I’m chatting with a lot of Canadian homeowners right now who are carrying unsecured debt, so if that sounds like you, stay tuned!

Here’s what I cover:

• The difference between a refinance and a mortgage switch, and why a switch might get you a better rate with no money out of pocket
• How to use your home equity to trade high-interest debt for a much lower mortgage rate
• The amortization strategy many of my clients use to free up cash flow, and the prepayment plan that keeps it from costing you long term
• When it makes sense to leverage your home equity to invest, buy a rental, or help your kids into their first home
• The legal fees, appraisals, and penalties that come with a refinance, and when you may not have to pay them out of pocket
• The one question you need to ask yourself before consolidating debt so you’re not back here refinancing in five years

Next week, I’m covering another way to access your equity: home equity lines of credit (HELOCs). Remember, no two financial situations are the same; to get advice tailored to your specific situation, book a free call with me at bricallme.com.

Listen to Episode 15 of Homeowner Af: Fixed Vs. Variable: Which Mortgage Option Is Right for Me?

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Your home isn’t just where you live, it can also be one of your biggest wealth-building tools. Today on Homeowner AF, I’m kicking off my Wealth Within Your Walls series by breaking down home equity, what it actually means, how it grows, and why it can become such an important part of your financial picture as a Canadian homeowner. I’m also sharing why understanding equity matters before you purchase your first home, especially if you want the flexibility to access that wealth in the future.

Here’s what we get into:

• How home equity is calculated and how your down payment gives you your first equity position when purchasing a home
• The two major ways your equity can grow over time
• Why equity contributes to your net worth and how Canadian homeowners may eventually access it through refinancing, a second mortgage, or a home equity line of credit (HELOC)
• When you can actually start accessing your home equity and why your equity position matters
• Why the mortgage you choose as a first-time home buyer impacts your options if accessing equity is a part of your five or 10 year plan

This is just the beginning of our Wealth Within Your Walls conversation. In the next episodes, I’ll dive deeper into refinancing and home equity lines of credit so you can better understand the options available as your equity grows. If you’re ready to talk about your first home purchase, mortgage pre-approval, or how your mortgage can support your long-term homeownership goals, book a free call with me at bricallme.com.

Download Brianna's Mortgage App

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Your down payment may not have to come entirely from your regular savings. In this episode, I explain how the Home Buyers’ Plan (HBP) and First Home Savings Account (FHSA) can help eligible first-time home buyers in Canada access and build funds for a home purchase. I walk you through the rules you need to understand before incorporating either program into your strategy, so you can set yourself up for the best case scenario when you're ready to buy.

Here’s what you’ll learn:

• Who qualifies as a first-time home buyer for the Home Buyers’ Plan and FHSA, including when a previous homeowner may become eligible again
• How the FHSA can help you build your down payment through tax-deductible contributions and tax-free qualifying withdrawals
• How eligible couples can each use an FHSA towards their purchase, increasing the amount available for their combined down payment
• How the Home Buyers’ Plan allows eligible buyers to access RRSP funds for a home purchase and what you need to know about repayment
• The key differences between the FHSA and HBP, including why the repayment requirement can influence how you use each program
• Why understanding the withdrawal and eligibility rules before making an offer is an important part of preparing for your mortgage and home purchase

The Home Buyers’ Plan and FHSA can create additional opportunities for Canadians to strengthen their down payments, but the right approach depends on your specific financial circumstances and timeline. If you want advice tailored to your situation, book a free call with me at www.bricallme.com. Do you have a question you want answered on the podcast? Send me a message or voice note on Instagram @briannagoslinmortgages. I'll see you next time!

Resources:
Homebuyer's Plan
FHSA

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Today on Homeowner AF, I’m answering one of the biggest questions I hear from Canadian homebuyers and homeowners: how do I get the lowest mortgage interest rate? Whether you’re purchasing your first home, renewing your mortgage, or refinancing, I’m breaking down why comparing rates to everyone in your community Facebook groups might not actually help you find the mortgage that saves you the most money.

Keep listening to learn:

• Why comparing mortgage rates with others can be misleading when borrowers may be talking about completely different mortgage products, including fixed versus variable rates
• How an insured mortgage can come with a lower interest rate while the mortgage insurance premium increases your overall cost of borrowing
• How your income, debts, down payment, credit, amortization, property location, and financial goals all play a role in determining the mortgage rate and product you actually qualify for
• The hidden trade-offs that can come with a low interest rate and why saving on your rate today could limit your options or cost you more down the road
• How lender turnaround times can affect a home purchase, especially when you have a short financing condition or closing timeline
• Why working with a mortgage agent or broker can help you look beyond the headline rate and find a mortgage that fits your unique finances and goals

Let’s find the best-fit mortgage for you, not the lowest possible rate. If you’re a first time home buyer in Ontario who wants advice based on your actual numbers, book a free call with me at bricallme.com. Don’t forget to leave a like on this episode and I’ll see you next week!

Listen to Episode 2 of the podcast: Do You Really Need 20% Down? The Truth About Minimum Down Payment, Insured Mortgages, and Buying Sooner

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Today on Homeowner AF, I share the practical steps I would take if I was buying in the next six months. If you’re currently planning to purchase your first home in Ontario, getting pre-approved is just the beginning. Listen in as I go over the steps you can start taking now so you can stay mortgage ready and be prepared to act fast when the right property comes along.

Here’s what I get into:

• Why I want you to keep saving after your pre-approval and down payment are in place, including building an emergency fund for the added costs of homeownership
• How a mortgage rate hold can help protect your purchasing power when interest rates fluctuate
• Which mortgage documents you’ll need to keep updated so your application can move quickly once you have an accepted offer and a financing condition
• Why expanding your location search could open up more affordable homeownership opportunities, particularly if you work remotely or have flexibility with your commute
• How assembling your homebuying team early, including your mortgage agent, realtor, and real estate lawyer, can help you prepare for a smoother purchase
• Why choosing to work with people you trust matters

The more prepared you are before you find your property, the better positioned you’ll be to move through your mortgage financing with confidence. Do you have specific questions about your unique homebuying situation? Book a free call with me at www.bricallme.com. 

Listen to Episode 3 of Homeowner AF: What is a Pre-Approval and Why Do I Need One? Mortgage Pre-Approval Explained

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Today on Homeowner AF, I dig into Teranet’s Q2 2026 Market Insight Report and what the latest Ontario housing data actually tells us about Canadian first-time homebuyers. Heads up: the numbers may challenge some of the headlines you’ve been hearing. First-time buyers are making up a growing share of Ontario’s non-condo market and today, we’ll be looking at where they’re buying, what they’re buying, and how you can use this information to build a smarter homeownership strategy around your own finances.

Here’s what I get into: 

• The growing role first-time homebuyers are playing in the non-condo market
• How first-time buyers are purchasing homes across Ontario and why looking beyond one city or neighbourhood can change what’s possible within your budget
• What the rise in solo first-time homebuyers tells us about buying on your own, especially for buyers in their 20s and early 30s
• The four practical steps I recommend taking to position yourself for homeownership, starting with your mortgage pre-approval and the monthly payment you can comfortably afford
• Why being flexible with location and property type can create more opportunities without sacrificing the financial boundaries you’ve set for yourself
• Why your first-time homebuyer strategy should focus on what you can control rather than trying to predict interest rates or the next move in the Canadian real estate market

If your goal is to become a homeowner in Ontario, this episode will help you think differently about what’s possible and where to start. Leave me a comment with a question you want answered on the podcast or send me a message on Instagram @briannagoslinmortgages. I’ll see you next week!

Teranet’s 2026 First-Time Homebuyer Market Snapshot

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If buying your first home is on your radar but you’re not sure where to start, this episode is for you. Today, I break down the practical steps you can take right now to strengthen your finances, start building your down payment, and position yourself for a future mortgage pre-approval. Every first-time home buyer has a different starting point. You might already have savings and great credit, or you might be years away from purchasing and wondering where to begin. The important thing is having a plan that makes sense for your finances and your homeownership goals.

Here’s what you’ll learn:

• Why opening a First Home Savings Account (FHSA) early on is a must
• The importance of building your savings muscle by consistently setting aside money for your down payment
• Why carrying debt doesn’t automatically prevent you from becoming a homeowner and how to think strategically about paying down debt while saving
• How protecting your credit can strengthen your future mortgage application and help position you for a competitive interest rate
• Why connecting with a mortgage agent or broker before you’re ready to buy can help you align your savings, debt repayment, and financial decisions with your ultimate goal of becoming a homeowner

Whether homeownership is one year away or five, the decisions you make today can help put you in a stronger position when it’s time to purchase. Ready to lock into your goal of becoming a homeowner? Book a free call with me at www.Bricallme.com. Don't forget to leave a like and review on this episode. I'll see you next week!

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Today on Homeowner AF, I share the things I wish I avoided as a first-time home buyer in Ontario. I purchased my first home in Oshawa in 2015 with my then-boyfriend, now husband, with a plan to build equity and use our starter home as a stepping stone toward our long-term goals. Looking back, there are a few conversations and decisions that could have made the process a lot less stressful. If you’re currently house hunting in Ontario as a first-time homebuyer, listen in to the lessons I learnt the hard way, so you can feel more confident when it’s your turn to buy.

Tune in to hear:

• The importance of prioritizing your financial plan and homeownership goals above the opinions of friends and family
• Why we intentionally purchased a home with a basement apartment, how rental income helped support our lifestyle, and why being a landlord worked for us despite other people’s concerns
• How our mortgage pre-approval helped us choose a purchase price based on a monthly payment we were actually comfortable carrying
• What first-time home buyers should discuss before actually make an offer
• The kinds of conversations you should be having with your partner before going in on a shared down payment
• What I learnt about cohabitation agreements and why protecting yourself and your investment is an important part of buying real estate with another person

Visit jointly.ca to learn more about cohabitation agreements in Canada.

If you’re a first time home buyer in Ontario and you’re thinking about your pre-approval, let’s get you the information you need to make your next move with confidence. Book a free call with me at www.Bricallme.com. I’ll see you next week!

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Today on Homeowner AF, I’m breaking down a shift in the Ontario housing market that could create a real opportunity for first-time home buyers heading into fall 2026. While some buyers are running into challenges getting their deals across the finish line, first-time buyers may have an advantage simply because they have fewer moving parts.

In this episode, I cover:

• Why are some home purchases falling through in Ontario right now, and what does it have to do with existing homeowner who are buying, aka “move-up buyers”?
• What is a sale-of-home condition, and why can it make an offer less attractive to a seller in today’s market?
• Could being a first-time home buyer actually give you an advantage when competing against move-up buyers?
• Does a buyer’s market means you have more negotiating power, and what you should know before deciding how much to offer.
• Should you still include financing and home inspection conditions when there is less competition for a property?
• How early should you get pre-approved if you are hoping to buy in fall 2026?

If buying your first home is on your radar, this market could present an opportunity worth paying attention to. The key is understanding where your advantage may be and having your financing lined up before the right property comes along. If you want to know what you could qualify for or get your mortgage pre-approval started, book a free call with me at www.Bricallme.com. 

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Today on Homeowner AF, we’re breaking down parts of the mortgage and home buying process that you may not have been taught. There are no stupid questions when it comes to understanding mortgages, so I’m answering five of the most common ones I hear from first-time home buyers in Ontario. Tune in to get clearer on the process and feel more prepared for your home buying journey.

In this episode, I answer:

• Where does my deposit actually go after my offer is accepted, and does it count toward my down payment?
• How does mortgage default insurance get paid when I’m putting less than 20% down, and should I expect an extra cost at closing?
• Is land transfer tax the same everywhere in Ontario, and what changes if I’m buying in Toronto?
• Does my mortgage agent talk to my realtor, and what information do they actually share throughout the home buying process?
• Can I use my first mortgage to consolidate consumer debt, or do I need a different strategy before becoming a homeowner?

If you’re a first-time home buyer, these are exactly the kinds of questions you should be asking. Understanding how the pieces fit together can help you avoid surprises and feel more confident as you move from pre-approval to homeownership. If you’re ready to start your pre-approval or want to talk through your specific home buying plan, book a free call with me at www.Bricallme.com. Give this episode a like, and I’ll see you next time!

Ontario Land Transfer Tax Calculator

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If you’re a first-time home buyer in Ontario trying to decide between a 25-year and 30-year amortization, this episode will help you understand what that choice actually means for your mortgage, monthly cash flow, and long-term homeownership goals. Today, I’m breaking down the pros and cons of a 30-year amortization, why it can improve affordability and borrowing power, and how you can still build a strategy to pay your mortgage off faster.

In this episode, I cover:

• How the 30-year amortization option works for eligible first-time homebuyers with less than 20% down and why it can make qualifying for a mortgage easier
• How a longer amortization can lower your monthly or bi-weekly mortgage payment, improve cash flow, and give you more breathing room as you adjust to the full cost of homeownership
• The trade-offs of choosing a 30-year amortization
• Why a higher mortgage pre-approval does not automatically mean you should spend more
• The strategy I recommend for first-time homebuyers who want more flexibility now while still working toward paying their mortgage off sooner
• What to look for in a mortgage and lender if paying down your balance faster is part of your long-term plan

If you still have questions, book a free call with me and let's discuss your specific situation. Please leave a like on the episode and I'll see you next week!

Download Brianna's mortgage app: https://cma.me/brianna-goslin/download

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Today on Homeowner AF, I’m breaking down the Canadian mortgage "stress test", including what it is, why it was introduced, and how it affects your borrowing power. I’ll also share my honest perspective on whether this qualification rule helps or hurts first-time home buyers in Ontario.

Stay tuned to hear:

• How the mortgage stress test fits into your mortgage pre-approval
• The qualifying rate lenders use and how your contract interest rate can change the calculation
• How the stress test can reduce your maximum mortgage amount, even when the actual payment appears affordable
• Why some Canadians believe the rule keeps qualified buyers out of the real estate market
• How the stress test can provide protection when interest rates increase or your mortgage comes up for renewalI
• Why a conservative home loan can create more flexibility and help you avoid becoming house poor

Understanding how the stress test works can help you feel more prepared, make informed decisions, and move one step closer to becoming a homeowner. If you still have questions, leave me a comment or send me a voice note on Instagram @briannagoslinmortgages for a chance to have your question answered on the podcast. I’ll see you next week!

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Have you been turned down for a mortgage by your bank? Today on Homeowner AF, I share why a mortgage decline doesn't necessarily mean your homeownership journey is over. I walk you through the differences between working with a bank mortgage specialist and an independent mortgage agent, why lending decisions can vary, and how the right strategy can open doors that you may not have realized were available. If you're a first-time home buyer in Ontario who's been told "no," this episode will help you understand your options and show you what steps to take next so you can keep moving toward your homeownership goals.

In this episode, I cover:

• Why being declined by your bank is more common than you think and why it doesn't mean you've failed
• The key differences between a bank mortgage specialist and an independent mortgage agent, and how each approaches your mortgage application
• Why self-employed Canadians, buyers with unique income situations, or those rebuilding credit often have more lending options outside of the major banks
• How taking a strategic look at your finances helps create a personalized plan instead of relying on a simple yes or no decision
• What you should and shouldn't do immediately after a mortgage decline
• How having the right mortgage strategy can move you closer to homeownership, even if you're not quite ready today

A mortgage decline is not the end of your story. With the right guidance, a clear plan, and the right lending strategy, homeownership may be much closer than you think. If you're ready to explore your options as a first-time home buyer in Ontario, book a free discovery call with me and keep tuning into the podcast for more expert homeowner insights.

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Everyone wants to know if now is the right time to buy. This is one of the most frequently asked questions I get as a mortgage broker and my answer might surprise you. In today’s episode, you’ll hear why the answer has less to do with the current market and more to do with your personal financial situation. I’ll be sharing the framework I use to help first time home buyers in Ontario cut through headlines and determine their personal readiness. If you’re thinking about buying, you'll leave this episode with a clearer understanding of what "the right time" looks like for you.

Keep listening to learn:

• The questions you should be asking yourself before deciding to buy
• How supply, demand, and buyer confidence influence the Canadian real estate market and what that could mean for your home search
• The truth about interest rates, what I expect moving forward, and why waiting for rates to fall may not be the strategy you think it is
• The one financial exercise that can quickly tell you whether homeownership is realistic right now
• Why a mortgage pre-approval is one of the most powerful tools you can use before starting your home buying journey

If your goal is becoming a homeowner, this episode will help you focus on the factors you can control instead of trying to predict the market. Give this episode a like and send me a DM over on Instagram @briannagoslinmortgages to have your question featured on a future episode of the podcast. I’ll see you next time!

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The way you set up your mortgage payment can have a bigger impact than you might think. Today on Homeowner AF, I break down what’s actually included in your mortgage payment, including the different payment options available to first-time home buyers in Ontario. Tune in to learn how the right mortgage payment strategy can save you thousands and accelerate your path to building equity. 

In this episode, you'll learn:

• Why your mortgage payment frequency matters and how accelerated bi-weekly payments can help you pay off your mortgage sooner
• What's actually included in your mortgage payment and how property taxes may be collected by your lender
•  The difference between fixed, variable and adjustable rate mortgages
• A simple but often overlooked tip that could save you money by avoiding unnecessary charges hidden in your mortgage commitment
• What questions to ask before signing your mortgage documents so your mortgage supports your long-term homeownership goals

If you found this episode helpful, please leave a like! For those of you getting ready to buy your first home, renew your mortgage, or simply want to better understand your options, book a free call with me at www.Bricallme.com for advice tailored to your situation. I’ll see you next week! 

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Choosing between a fixed and variable mortgage is one of the biggest financial decisions you'll make as a first-time home buyer, and it's about more than just getting the lowest rate. Today on the podcast, I break down how each option works, what it could mean for your budget, and how to choose the best fit for your long-term goals and changing interest rates. As always, my goal is to help you understand your options so you can make a confident decision that supports your homeownership journey.

What you’ll hear today:

• How fixed mortgage rates and variable mortgage rates are determined in Canada and what causes them to change
• The pros and cons of a fixed versus variable mortgage for first-time home buyers in Ontario
• How interest rate changes can affect your monthly mortgage payment, cash flow, and long-term financial plan
• What mortgage penalties look like if you need to refinance, sell your home, or break your mortgage before the end of your term
• When it makes sense to choose a fixed rate for payment stability versus a variable rate for greater flexibility
• What to know before switching from a variable mortgage to a fixed mortgage, or vice versa, during your mortgage term

If you found this episode helpful, please leave a like and share with me any questions you’d like me to answer in future episodes. For those of you who are ready to create a mortgage strategy that works for your goals, book a free call with me and let’s get you a step closer to being a homeowner. I’ll see you next time.

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I walk through three real-life examples that have successfully made my clients Ontario homeowners in 2026. If you’re feeling as though your budget just isn’t enough, this episode will help you navigate your mortgage qualification and today’s rising home prices. You may need to rethink your buying strategy, but in the end, these steps could open up homebuying opportunities that were previously out of reach.

Here’s what I cover:

• Real examples of how buyers are making smart trade-offs in 2026 to get into the Ontario housing market
• The kind of flexibility that can make a major difference when your budget isn’t lining up with your market
• Strategies to increase your mortgage qualification and support your monthly cash flow
• How “house hacking” may help you qualify for a higher purchase price without increasing your down payment
• Why adjusting your expectations in one area could open the door to homeownership sooner than you think

If you’re a homebuyer in Ontario feeling discouraged by today’s market, this episode will help you think more strategically about what’s possible. If you found this episode helpful, please leave a like and send me a message with your questions for future podcast episodes. I’ll see you next time!

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Just because a lender says you can spend a certain amount on a home, does that mean you actually should? Today on Homeowner AF, I’m breaking down how to plan your home purchase price as a first-time home buyer in Ontario, and why your pre-approval amount should never be the only number guiding your decision. We dive into what lenders look at, what they don’t look at, and how to build a purchase plan that supports your long-term homeownership goals without stretching your monthly budget too thin.

In this episode, I cover:

• Why your maximum pre-approval amount is not the same thing as your ideal home purchase budget
• The real-life expenses lenders don’t include in debt ratios and why those missing pieces matter when planning your first home purchase
• How to use your current rent payment as a starting point to figure out what kind of mortgage payment actually fits your lifestyle and financial goals
• How to factor interest rates, your down payment, and mortgage qualification to create a comfortable monthly payment and realistic purchase price 
• What to do if your safe price point doesn’t line up with the current market
• Why affordability and long-term sustainability should be at the centre of every home buying decision

Buying your first home in Ontario is about more than qualifying for a mortgage. It’s about making sure your payment still leaves room for the rest of your life, your future goals, and the kind of homeownership experience you actually want. If you want help figuring out your own numbers, book a free call with me and let’s map out a purchase plan that works for you. 

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

With rising living costs and more Canadians carrying balances on credit cards, student loans, and lines of credit, understanding how debt impacts your ability to buy a home has never been more important. Today on the podcast, I break down exactly how debt affects your mortgage qualification and what every first-time home buyer in Ontario needs to know before applying for a mortgage. 

In this episode, I cover:

• How lenders assess credit cards, lines of credit, loans, and other liabilities when reviewing your mortgage application
• What debt ratios are and why your existing monthly payments directly impact how much home you can afford
• Why taking on new debt after a mortgage pre-approval can reduce your buying power and affect your home purchase plans
• How student loans are calculated during the mortgage qualification process
• The connection between debt management, credit health, and securing the best mortgage interest rates available
• Why paying down high credit balances before purchasing a home can help strengthen your application and position you for long-term financial success

Still have questions? Leave me a comment on this episode or send me a DM over on Instagram @briannagoslinmortgages. I'll see you next time!

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Have you ever thought about how much money you might be leaving on the table at your mortgage renewal? Most Canadians simply sign on the dotted line without realizing that this is the perfect moment to reassess, save, and take greater control of their financial future. Today on Homeowner AF, I break down exactly how to turn your mortgage renewal into an opportunity to set yourself up for long-term wealth without unnecessary stress or hidden fees.

In this episode, I cover:

• How to lock in the best mortgage rates before your renewal
• The importance of strategizing before you sign
• The benefits of consolidating debt into your mortgage
• Why your renewal is an ideal time to remove consignors and guarantors
• How accelerated payment options can help you save on interest and build wealth sooner
• The cost of waiting until midterm and why acting at renewal keeps more money in your pocket

If your renewal is coming up, book a free call with me at www.Bricallme.com and let’s explore what makes the most sense for your household. The right advice at the right time can move you closer to homeownership and long-term wealth. Thanks for listening, and I’ll be back next week with another practical tip for first-time homebuyers in Ontario. 

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on the podcast, I answer one of the most common questions I hear from first-time home buyers in Ontario: what is the difference between a cosigner and a guarantor? We dive into when each option makes sense, what lenders look for, and the important considerations you need to understand before asking someone to help you qualify for a mortgage.

In this episode, I cover:

• The key differences between a cosigner and a guarantor and how each impacts your mortgage application
• Why lenders may require a cosigner even if you earn a good income 
• When adding a cosigner or guarantor can help you buy your first home and when it could create bigger financial challenges down the road
• The responsibilities your cosigner or guarantor takes on and what happens if mortgage payments are missed
• The risks of relying on a cosigner or guarantor to increase your purchase price and how to avoid becoming house poor
• How to remove a cosigner from your mortgage in the future and why having an exit strategy is essential before signing any documents

Are you considering adding a cosigner or guarantor to your mortgage application and want advice tailored to your situation? Book a free consultation with me using the link below! Before you go, please leave a like and subscribe to the podcast for more expert insights on the steps for becoming a homeowner in Ontario!

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I tackle one of my biggest frustrations as a mortgage professional: the misconception that single Canadians cannot buy a home. I break down strategies for single first-time homebuyers in Ontario and the support available to make homeownership achievable. Tune in to feel empowered, informed, and ready to take your next step toward owning your first home in Ontario.

In this episode, I cover:

• How single-income applicants can navigate the mortgage process and prepare financially for their first home
• Strategies for maximizing down payment savings, including owner-occupied rental opportunities
• Accessing municipal down payment assistance programs in Ontario to support your purchase
• Understanding co-signer or guarantor options and how they can help single buyers enter the market

If you found this episode helpful, please leave me a like and review. Get your question answered on the podcast by heading over to my socials and sending me a DM or voice note. I’ll see you next time!

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I’m breaking down what exactly happens after your offer is accepted on a home in Ontario. Most first-time home buyers think the hard part is over once the seller says yes, but the truth is, some of the most important steps are only just beginning. If you’re buying your first home in Ontario, an understanding of this stage can save you stress and surprises. 

In this episode, I cover:

• What happens during the critical 5 to 10 business day conditional period 
• The truth about deposits, down payments, and when your money is actually at risk 
• The documents lenders may still request after your pre-approval 
• How appraisals can impact your mortgage approval and purchase price 
• The risks of going in firm without a financing condition in a competitive market 
• The importance of having a fully reviewed pre-approval before you go house hunting

Do you have more questions about the home buying process in Ontario? Send me a message at hello@briannagoslinmortgages.com or a voice note over on my socials 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

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

Welcome back to Homeowner AF! Today on the podcast, I'm breaking down how gifted down payments work for first time home buyers in Canada and what you need to know before using gifted funds toward your home purchase. I also share advice for buyers who are saving without family support and explain why having a strategic homeownership plan can still move you closer to buying your first home in Canada. Whatever your situation, I'm here to get you closer to your goal! 

In this episode, I cover:

• Who can gift funds and what lenders typically allow
• The paperwork and bank documentation needed for mortgage approval
• Why closing costs may still need to come from your own savings
• What borrowers need to know before accepting gifted funds from family
• How working with a mortgage agent early can help speed up your home buying journey

If you’re preparing for a mortgage pre-approval or wondering how gifted funds affect your mortgage application, this episode will help you understand the process with confidence. 

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

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

Many people assume that once they’re pre-approved, everything is set. Today on Homeowner AF, I’m sharing why this is a myth and exactly what you should avoid doing after receiving your mortgage pre-approval. If you’re a first time homebuyer, you’re going to want to listen in so you can avoid these common mistakes. 

In this episode, I cover:

• The three key factors your pre-approval is based on and the importance of not making any changes to them
• Why co-signing any loan can potentially nullify your pre-approval
• How switching jobs during the pre-approval period can impact your mortgage terms, even if it’s to a higher paying job
• The importance of managing your credit after you’ve been pre-approved
• Why you must communicate any changes to your down payment to your mortgage broker

If you found today’s conversation helpful, give this episode a like and review. If you'd like to discuss your specific situation, book a free call with me. Stay tuned for more insider tips to help you navigate the home buying process.

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on the podcast, I walk you through exactly what happens after you’ve been pre-approved and how to confidently move forward in your home buying journey. We dive into the practical next steps every first time home buyer in Ontario needs to take to turn that pre-approval into a successful home purchase.

In this episode, I cover:

• How to choose the right realtor and why finding someone who aligns with you is key to your homeownership experience
• Why you need to send me MLS listings before making an offer and how I help determine your maximum offer price
• How property taxes, rental income potential, and interest rate changes can impact your affordability and mortgage strategy
• The hidden red flags in properties that could get your mortgage declined by lenders or insurers
• What documents need to be updated quickly to meet financing conditions and avoid delays
• How to protect yourself with the right financing conditions and why doing your due diligence upfront is critical as a first time home buyer

I hope this episode helps you make the move from pre-approval to purchase with clarity and confidence! If you’re in the process of becoming a first-time homeowner in Ontario, subscribe to the podcast for more expert advice.

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

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

Today on the podcast, I am clearing up one of the biggest myths in Canadian real estate: that every first time home buyer needs 20% down. I break down what the minimum down payment actually looks like in Ontario, how CMHC insurance works, and how to decide whether buying sooner or waiting aligns better with your homeownership and wealth building goals.

In this episode, I cover:

• Minimum down payment rules in Canada: 5%, 10% and how it’s calculated
• What an insured mortgage is and how CMHC, Sagen and Canada Guaranty protect lenders
• The true cost of mortgage insurance and how the premium is added to your loan
• Interest rate advantages of insured mortgages versus 20% down
• Ontario closing costs, land transfer tax and why your down payment is not your only expense

If you are a first time home buyer in Ontario trying to figure out how much you really need saved, this episode will help you make a confident, strategic decision. Tune into Homeowner AF and take the next step toward homeownership with clarity.

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


Resources Mentioned In This Episode:
How much you need for a downpayment from the Government of Canada: https://www.canada.ca/en/financial-consumer-agency/services/mortgages/down-payment.html?  

Canadian mortgage insurers:
• Canada Guaranty: https://www.canadaguaranty.ca
• Sagen: https://www.sagen.ca
• CMHC: https://www.cmhc-schl.gc.ca 

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Welcome back to Homeowner AF: The Canadian First Time Homebuying Podcast, with your host Brianna Goslin! I am excited to be back after a long break, and we are diving straight into what has changed for the first time home buyer in Ontario. I break down who actually qualifies as a first time home buyer in 2026 and how to position yourself properly for homeownership in today’s Canadian real estate market.

In this episode, I cover:

• Key market shifts since 2024, including interest rate trends, credit use and housing supply
• Who qualifies as a first time home buyer in Canada and Ontario
• Federal incentives like the Home Buyers’ Plan, FHSA and extended amortization options
• Ontario land transfer tax rebates and municipal down payment assistance programs
• How common law status, co-signing and the four year rule affect eligibility
• Plus, what I’ll be covering in future episodes!

I also share a real client example that shows why working with a mortgage agent early matters. If you are a first time home buyer, planning your next move or the friend of someone you know who is, share this episode and continue to tune into Homeowner AF weekly to get the clarity you need to move forward with confidence!

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

Resources Mentioned In This Episode:
• First Time Buyer Benefits in Canada: https://www.canada.ca/en/revenue-agency/news/newsroom/tax-tips/tax-tips-2023/first-time-home-buyer-tax-incentives.html  

• Homebuyer's Plan: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html 

• First Home Savings Account (FHSA) https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html 

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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 their first home. 

Together, we dive into the First Home Savings Account (FHSA) — a game-changing tool for first-time homebuyers in Canada.

What You’ll Learn in This Episode:

What is the FHSA?

• Scott breaks down how the FHSA compares to other popular savings options like RRSPs and TFSAs, explaining why it’s a must-know for first-time homebuyers.

Eligibility Criteria for the FHSA:

• We cover who qualifies as a "first-time homebuyer" and the steps to open this account.

Where to Open an FHSA:

• Scott shares tips on where Canadians can access the FHSA — whether it’s through the big five banks or alternative financial institutions.

Contribution Limits and Carry-Forward Rules:

• Learn about the annual and lifetime contribution limits for the FHSA and how unused room can be carried forward.

Tax Advantages of the FHSA:

• Scott explains how FHSA contributions impact your taxable income and how they can be used as tax deductions.

Strategies for First-Time Homebuyers:

• Discover actionable tips to maximize your FHSA and reach your savings goals faster.

Risks and Limitations:

• We discuss potential risks or limitations of investing within the FHSA compared to other accounts.

What Happens If You Don’t Buy a Home?

• Find out how unused FHSA funds can be transferred or repurposed without penalties.

Connect with Scott McEachern:

• Instagram: @scmceachern
• Website: https://www.mceachernfinancial.ca/
  
  
  

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

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Website: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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 to find out what these new regulations mean for you as a borrower and what to keep in mind if you are hoping to take advantage of these new opportunities in the market.

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

Website: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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 utilization: https://www.equifax.com/personal/education/debt-management/articles/-/learn/credit-utilization-ratio/ 

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

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Website: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

If you enjoyed this episode, please leave a review on your favourite podcast platform. Your feedback helps us reach more listeners like you!

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

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Website: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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 support: Delve into the importance of access to support post-close and beyond for first-time homebuyers, and how a mortgage agent provides ongoing assistance.
• Saving time and money: Learn how partnering with a mortgage agent can streamline the homebuying process, ultimately saving you both time and money.

Join Brianna's Email List for Exclusive Updates:
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Specific Questions?  Ready to get started?
Book a free call with Brianna: www.Bricallme.com

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

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 downpayment calculator:
https://www.ratehub.ca/mortgage-down-payment 

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

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Website: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

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Website: https://www.brxmortgage.com/agent/brianna-goslin
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LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

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Website: https://www.brxmortgage.com/agent/brianna-goslin
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LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

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Website: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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:
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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: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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:
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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: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

Website: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

Website: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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 realistic expectations for a home purchase
• EQUITY: What it is, Why it matters, and how you can leverage it in the future

Connect with Nicole @raddestrealtor on Instagram

https://www.instagram.com/raddestrealtor/

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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 insights and preditictions about the future of building and buying in Canada, how to set yourself up for success as a first time home buyer, and advice on how to be a landlord.

(recorded in September 2023). 

Check out Newfore Construction and Renovations at www.newfore.com 

Check out the Tiny Homes: Garage Edition
https://www.youtube.com/watch?v=OYiysnkPA8k 

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: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

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: https://www.brxmortgage.com/agent/brianna-goslin
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Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

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: https://www.brxmortgage.com/agent/brianna-goslin
Instagram: https://www.instagram.com/briannagoslinmortgages
Facebook: https://www.facebook.com/brianna.goslin.mortgages
LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages