Canadian Mortgage Guide
Making sense of mortgages & real estate in Canada. We (Tom & Brandon) run a boutique mortgage team in Ontario, Canada and are here to share our knowledge & experience. We turn complex topics into simple, digestible podcasts that have no fluff, no bs, and are straight to the point. What you can expect from our show: - Market updates & insights - How to get the best mortgage - Tips on how to buy your first home, move up the property ladder, or become a real estate investor.
Episodes
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom & Brandon discuss the Bank of Canada announcement for March.
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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CONNECT
📸 Connect on Instagram (Brandon)
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SAY THANKS
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Brandon shines a light on some of the recent activity of Justin Trudeau and the Liberal party, what the implications mean for homeowners, and steps you can take to fight this.
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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CONNECT
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom & Brandon share today's rates, look at how the US is affecting the rates, and putting it together so it makes sense to the average Canadian.
What was discussed: → The differences between fixed and variable rates, the bond market, and the overnight prime rate. → The impact of inflation, unemployment rate, and the upcoming US election. → 5 year...
WATCH
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EPISODE DESCRIPTION
In this episode, Tom breaks down the differences if you were to purchase a property from 2022 through to 2025 and beyond, and how interest rates and the stress test significantly affect your borrowing power.
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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CONNECT
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom and Brandon are joined by Erwin Szeto. Erwin is the Owner at iWin Real Estate and the Director of the Mr. Hamilton team from Hamilton, Ontario, a team of veteran real estate investors, who coach investors from the Toronto area to achieve wealth and are the four time winning team of Real Estate Agent of the Year. Erwin is also the host of the "Trust...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Brandon shares how you can use municipal downpayment programs to help get into the housing market. He covers who's eligible, how they work, and 3 examples of different real life use cases from his clients.
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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CONNECT
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom shares 5 insider tips you need to know for getting a proper mortgage pre-approval, and what a lot of banks and brokers don't want you to know.
What was discussed: → The difference between a pre-approval and a pre-qualification, and why pre-qualifications are meaningless. → Asking for multiple rate holds. → The varying compensation for banks and b...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom shares 5 key strategies on how to pay down your mortgage quicker, while also having benefits like saving on interest and eliminating consumer debt.
What was discussed: → Explaining different methods of pre-payment privileges including accelerated and lump sum payments. → Paying off your high interest debt to increase cash flow and refinancing you...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom breaks down everything you need to know about the Bank of Canada's rate decision on June 5th, 2024.
There's a lot of misconception out there on how the rate cut impacts borrowers, and overall market expectations. Tom simplifies it all!
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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CON...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Brandon shares an advanced wealth building strategy ("Hack the FHSA") you can do by combining your First Home Savings Account (FHSA), with a Hold Co., if you're planning to add multiple properties to your portfolio.
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Brandon shares the reasons why you should be charging your adult kids rent, the lessons it will teach them, and how it can set up their financial future.
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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CONNECT
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Brandon shares a huge market opportunity that's happening right now thanks to the capital gains tax, and how you can take advantage of it for less money than you think.
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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CONNECT
📸 Connect on Instagram (Brandon)
📸 C...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom shares how he and Brandon pre-approve clients by making a customized budget, and how much it would actually cost to purchase a million dollar home in Canada.
What was discussed: → Breaking down the mortgage down payment, amortization, rate, and property taxes. → How much cash you actually need for closing costs including down payment, legal fees,...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom & Brandon break down the new proposed increase in capital gains taxes set to come into affect in June (if it passes), and provide an example to help this make sense to the average Canadian.
What was discussed: → How the new capital gains tax will work. → An example scenario of the old capital gains tax versus the new capital gains tax. → Who ...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom & Brandon share 10 things you should absolutely never do when getting a mortgage, because they will affect your application in a negative way.
What was discussed: → Making big purchases or opening new forms of credit. → Making risky investments or moving/changing/playing with funds and accounts. → Changing your job status and co-signing for o...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom & Brandon explain the recent Bank of Canada Announcement which held the variable rate, meaning still no cuts this year after multiple increases since the pandemic.
What was discussed: → Why we haven't seen any rate cuts yet and when we might see the first rate cut this year. → The influence the US has on Canada and how Canadian politics will ...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom shares 5 common mortgage mistakes that cost individual Canadians thousands of dollar a year, and how you can avoid these pitfalls.
What was discussed: → Paying off your mortgage and locking into too long with fixed rates. → Understanding pre-payment privileges and mortgage porting → The co-signer trap that makes you house poor.
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MORTGAGE INQ...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Brandon shares 3 things to consider if you're sitting on the fence and waiting to buy, and if now could be the right time for you.
What was discussed: → Normal range of fixed rates. → Shrinking your debt. → Maximizing leverage.
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MORTGAGE INQUIRIES
📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 Start an Application
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CONNECT
📸 Conn...
WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom & Brandon explain the differences between two types of variable rate mortgages, adjustable and static, and what you need to consider when choosing them.
What was discussed: → What adjustable rate mortgages are. → What static (variable) rate mortgages are. → And what a "trigger rate" is and what it means if you hit it.
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MORTGAGE INQUIRIES
...WATCH
▶️ Watch this episode on Youtube
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EPISODE DESCRIPTION
In this episode, Tom & Brandon discuss if you should be declaring more income as an entrepreneur in order to qualify for a traditional bank mortgage, or less in order to pay less in income tax.
What was discussed: → The differences between "A" and "B" lenders. → Looking at your financial goals as a whole picture. → And why it's important to work with experts in t...
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