Explore every episode of the podcast Homeowner AF: The Canadian First Time Homebuying Podcast
| Title | Pub. Date | Duration | |
|---|---|---|---|
| What Are Closing Costs in Canada and Why Are They So Expensive? Full Breakdown for Ontario First Time Home Buyers | 21 Apr 2026 | 00:13:36 | |
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:
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: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| What is a Pre-Approval and Why Do I Need One? Mortgage Pre-Approval Explained | 21 Apr 2026 | 00:15:43 | |
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:
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? Website: http://www.briannagoslinmortgages.com | |||
| Should I Choose A Fixed Rate or Variable Rate Mortgage in 2024? | 06 Mar 2024 | 00:12:36 | |
Fixed or variable rate mortgage in 2024? Which one is right for you? In today's episode, Brianna explains:
PLUS
Join Brianna's Email List for Exclusive Updates: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| How To Plan Your Purchase Price | 28 Feb 2024 | 00:08:09 | |
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: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| 3 Strategies My First Time Homebuyer Clients Used in 2023 | 21 Feb 2024 | 00:08:44 | |
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:
Join Brianna's Email List for Exclusive Updates: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Offer Accepted! Now What? | 14 Feb 2024 | 00:07:57 | |
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:
Join Brianna's Email List for Exclusive Updates: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Falling Interest Rates and Multiple Offers: Why you STILL Need a Pre-Approval in the Spring 2024 Market | 07 Feb 2024 | 00:09:16 | |
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:
Join Brianna's Email List for Exclusive Updates: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| House Hacking, Homebuying in Sudbury and Ten Dollar Building Lots with Emily Cerilli | 31 Jan 2024 | 00:22:23 | |
Emily Cerilli aka @sudburyrealtor.emily, visits the pod to chat:
Connect with Emily on Instagram @sudburyrealtor.emily Join Brianna's Email List for Exclusive Updates: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Husmates and Co-Ownership with Lesli Gaynor and Parimal Gosai | 24 Jan 2024 | 00:25:53 | |
Lesli Gaynor and Parimal Gosai, realtors and creators of the Husmates app, drop in to chat:
Check out Husmates: https://www.husmates.com/ Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Accelerating The Transfer of Generational Wealth: Reverse Mortgage for Downpayment | 17 Jan 2024 | 00:20:30 | |
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/ Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Data, Sentiment and EQUITY, Oh my! A conversation with Nicole Montgomery, Durham Region @raddestrealtor | 09 Jan 2024 | 00:29:43 | |
Brianna chats with Nicole Montgomery @raddestrealtor about first time buying, and what’s happening RIGHT NOW in the Canadian real estate market. Listen in for:
Connect with Nicole @raddestrealtor on Instagram https://www.instagram.com/raddestrealtor/ Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Seif El-Sahly: Garage Conversions, First Time Buyers, Landlord Struggles and Setting Yourself Up For Success | 02 Jan 2024 | 00:26:10 | |
Seif El-Sahly drops by Homeowner AF to talk about how his company, Newfore Inc., is helping homeowners leverage their existing properties to:
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 Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Do You Really Need 20% Down? The Truth About Minimum Down Payment, Insured Mortgages and Buying Sooner | 21 Apr 2026 | 00:11:14 | |
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:
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! Canadian mortgage insurers: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| TRESA Regulations and How They Impact You with Kari Clark | 20 Dec 2023 | 00:20:07 | |
Muskoka realtor with Coldwell Banker, Kari Clark, stops by the pod to explain
Connect with Kari on Instagram: @kariclarkhomes Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| The Homebuying Series: Insurance chat with Alma and Emerson | 13 Dec 2023 | 00:18:04 | |
Today, in the fourth and final episode of The Homebuying Series, Alma Aquino and Emerson Munsayac from the Pineapple family chat with Brianna about:
Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| The Homebuying Series: "What happens at the lawyer's office"? With Melissa Douglas | 05 Dec 2023 | 00:24:24 | |
Lawyer and owner of Douglas Law Firm, Melissa Douglas, drops by the pod to chat about:
Find Melissa @douglas.lawfirm on Instagram Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| The Homebuying Series: House Hunting with Corey Brown | 29 Nov 2023 | 00:18:45 | |
This week, Brianna welcomes Corey, a local Muskoka Realtor They chat about:
Check Corey out on Instagram @boughtwithbrown Get your money tracker at briannagoslin.com Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| The Homebuying Series: Pre-approval | 22 Nov 2023 | 00:11:54 | |
This week, Brianna gives you the rundown on pre-approvals.
**Get your money tracker at briannagoslin.com ** Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Alexandra, The Cash Flow Queen | 15 Nov 2023 | 00:19:25 | |
How do first-time homebuyers save up a downpayment in 2023? They make sacrifices to get them closer to their goals! Alexandra Tejeda dropped by the pod to chat about what she's doing to kickstart her real estate investing journey and what the GTA homebuying (and leasing) landscape looks like for young Canadians. Listen to The Cash Flow Queens Podcast here: https://cashflowqueens.buzzsprout.com/ Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Homebuying, Goal Setting and Growth: Bridget's story | 08 Nov 2023 | 00:37:10 | |
TW: domestic violence and financial abuse Today, Bridget shares her homeownership story with the Homeowner AF community. Her homeownership journey spans three provinces, two real estate transactions and quite a number of moves. Bridget shares how she's grown in confidence and knowledge and what it took to get to homeownership. GET YOUR MONEY TRACKER at briannagoslin.com Connect with Brianna @briannagoslinmortgages on Instagram, LinkedIn and Facebook Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Mindset, Mental Health and Career Transitions with Caitlin Gillham | 30 May 2023 | 00:32:40 | |
Tune in for a candid conversation with Caitlin Gillham. Connect with Caitlin: On Instagram @caitlingillham.crippsrealty Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Mortgage Chat with Arghavan Rastegari | 24 May 2023 | 00:21:39 | |
This week Brianna chats with a fellow mortgage agent, Arghavan Rastegari!
Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| How to bump up your pre-approval amount | 17 May 2023 | 00:14:06 | |
Are you getting outbid on starter homes in the Spring market? If yes, this one's for you. Brianna gives you an overview of:
Get Brandy's *Believe* journal here: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| First Time Home Buyer Incentives in Ontario and What Qualifies You in 2026 | 21 Apr 2026 | 00:09:55 | |
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:
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! • 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? Website: http://www.briannagoslinmortgages.com | |||
| A Creative, Collaborative Solution for our Community: Suzanne and Sandi from the Muskoka Community Land Trust | 10 May 2023 | 00:46:33 | |
This episode features Suzanne Martineau, Chair of the Muskoka Community Land Trust and Sandi Martin, Business Development Leader for the Muskoka Community Land Trust. Find out more at: https://www.muskokacommunitylandtrust.org/ Find the newsletter here: Follow MCLT on instagram https://www.instagram.com/muskokaclt/ Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Buying Pre-Construction with Dayle Carmody | 03 May 2023 | 00:30:10 | |
Dayle Carmody is a realtor with Ferrow Real Estate. Today she chats on the pod about:
Want to connect with Dayle? Find her on instagram! https://www.instagram.com/daylecarmodyrealtor/ Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Rent To Own with Brandy Mullen | 26 Apr 2023 | 00:28:48 | |
This week Brandy Mullen sits down to chat about her company, Sprout Properties, and the benefits of Rent to Own for potential homeowners. Reach out to Brandy through instagram: https://www.instagram.com/sproutproperties_/ Find Brandy’s journal here: Learn more about Sprout Properties Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Hey Madison, Tell Me About The Canadian First Home Savings Account | 19 Apr 2023 | 00:43:20 | |
This week Brianna sits down with Madison Low, an Advisor in Muskoka, Ontario. We chat about:
Grab your notebooks! Lots of info here for you first time homebuyers More information about the FHSA available here: Want to learn more about Madison? Visit her website: https://advisor.sunlife.ca/madison.low/ Curious about Rotaract Muskoka? Check us out! Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Talk Downpayment To Me | 12 Apr 2023 | 00:15:14 | |
This week, I answer the most googled downpayment questions in Ontario. Head to my DMs to share your own thoughts! Rate Hub's downpayment calculator https://www.ratehub.ca/mortgage-down-payment My mortgage calculator (DM or email me for today's rate) https://gopineapple.ca/briannagoslin/mortgage-calculator Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Jayden Kennedy is a Homeowner AF | 05 Apr 2023 | 00:29:48 | |
Welcome to the pod, Jayden Kennedy! Jayden is a Real Estate Broker, 26 year-old homeowner and a retired professional athlete. Are you interested in purchasing a multi-unit property as your first home? Listen up because Jayden tells us exactly how she did it. Not only is she a force in the real estate world, but she gives back in a big way. Listen as we discuss the importance of serving the communities who support us. We also chat about our shared background in competitive sport and how that gives us an advantage as entrepreneurs. Reach out to Jayden on all platforms @Jaydenkennedyrealestate Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| How do I qualify for a mortgage? What's the first step? | 29 Mar 2023 | 00:07:55 | |
This week is all about first steps, and these look different for everyone! Shoot me a DM to get personalized advice and in the meantime, gather the following:
Happy homeworking! Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Female empowerment and living authentically with Holly Caroll | 22 Mar 2023 | 00:25:13 | |
Are you dreaming big enough? This week, I sit down with Holly Carroll from The Agency Muskoka. Holly is a luxury real estate agent, an international model and an all-around force. In our conversation, Holly opens up about her mindset and purpose, her journey to real estate and how she manifested an incredible 30 million dollar listing. Want to learn more about Holly? Connect with her on instagram @hollyanncaroll Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| "Who I wish I would have talked to" with Angie | 15 Mar 2023 | 00:31:19 | |
Brianna and her friend, Angie, chat about Angie’s journey to homeownership as a single woman. The ladies touch on paying off student debt, downpayment, working with financial professionals and the Canadian Homebuyers Plan. The pair explores their approach to goal-setting and manifestation. They also dive into their upbringings and how their shared childhood experiences have shaped their views of money and wealth. Curious about the Canadian Homebuyer’s Plan? Canadian Homebuyer’s Plan (HBP) Do you live in the Peterborough Area? Reach out to Angie's consultant, Lacey! Lacey Richard, CFP, RRC Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| It's me, Bri! | 08 Mar 2023 | 00:17:50 | |
Homeowner AF Episode 1- It's me, Bri! Thank you for listening to the debut episode of HOMEOWNER AF! This week’s homework (Only complete this if you are serious about TAKING ACTION)
https://gopineapple.com/mortgage-resources/homebuyer-budget-template-for-current-expenses Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Unlocking the FHSA with Scott McEachern | 09 Dec 2024 | 00:10:54 | |
In this episode of Homeowner AF, I sit down with Scott McEachern, a Certified Financial Planner based in Barrie, Ontario. Scott specializes in helping families make smart financial decisions, from securing the right life insurance to planning for their biggest financial goals like becoming debt-free, saving for their kids’ education, or buying 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?
Eligibility Criteria for the FHSA:
Where to Open an FHSA:
Contribution Limits and Carry-Forward Rules:
Tax Advantages of the FHSA:
Strategies for First-Time Homebuyers:
Risks and Limitations:
What Happens If You Don’t Buy a Home?
Connect with Scott McEachern:
Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Bonus Episode: New Mortgage Regulations for First Time Buyers | 20 Sep 2024 | 00:09:39 | |
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: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Is Credit Utilization Killing Your Mortgage Application? | 03 Apr 2024 | 00:06:08 | |
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:
Resources: Join Brianna's Email List for Exclusive Updates: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| Timing The Market With Alex Mohr | 27 Mar 2024 | 00:21:11 | |
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
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? Website: http://www.briannagoslinmortgages.com | |||
| Boutique Service at No Cost To You: How to Get Your Best Rate This Spring | 20 Mar 2024 | 00:08:33 | |
In this episode, discover the benefits of working with a mortgage agent for Canadian first-time homebuyers. Learn why rate shopping without guidance is unwise and explore:
Join Brianna's Email List for Exclusive Updates: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| How Much Cash Do I Need To Close? | 13 Mar 2024 | 00:05:45 | |
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:
Resources: Join Brianna's Email List for Exclusive Updates: Specific Questions? Ready to get started? Website: http://www.briannagoslinmortgages.com | |||
| What Happens After an Accepted Offer? Mortgage Conditions, Deposits and Closing Steps for First-Time Home Buyers in Ontario | 19 May 2026 | 00:11:03 | |
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:
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? Website: http://www.briannagoslinmortgages.com | |||
| Let’s Talk About Gifted Downpayments: What First-Time Home Buyers in Ontario Need to Know | 12 May 2026 | 00:09:38 | |
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:
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? Website: http://www.briannagoslinmortgages.com | |||
| What NOT To Do When You're Pre-Approved | 05 May 2026 | 00:09:31 | |
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:
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? Website: http://www.briannagoslinmortgages.com | |||
| I'm Pre-approved, Now What? Next Steps for First Time Home Buyers | 28 Apr 2026 | 00:08:50 | |
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:
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? Website: http://www.briannagoslinmortgages.com | |||