Mortgage broker podcasts / Hosted by mortgage brokers

Modern Wealth | Mortgage Strategies for Canadians (formerly Canadian Mortgage Guide)

Tom Moffat · Burlington, ON

Broker and landlord teaches Canadian homeowners to use their mortgage as a tool: rental cash damming, Smith Manoeuvre, offset and all-in-one mortgages such as Manulife One, and CRA programs for landlords.

Status: active · Tango Financial

YouTube channel: 518 subscribers · 86.5K views · 188 videosPublic YouTube figures as of 2026-10-29; subscriber counts are rounded by YouTube.

Episodes

Jun 26, 20266 min
36: Rental Cash Damming Example (Real Numbers Walkthrough)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Jun 18, 202620 min
35: THIS CRA Program Helps Landlords Pay Off Their Mortgage 10 Years Faster
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Jun 11, 20264 min
34: Why Canadian Landlords Should NEVER Pay Down Their Rental Property Faster
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
May 30, 20268 min
33: Not Every Mortgage Works for Rental Cash Damming
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
May 28, 20267 min
32: Can You Run the Smith Manoeuvre and Manulife One at the Same Time? (Here's the Truth)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Mar 29, 202621 min
31: 17 Rental Cash Damming Questions Answered (I Get Asked These Daily)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Feb 26, 202632 min
30: The TRUTH About The Manulife One Mortgage Product
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Feb 26, 202612 min
29: 93% of Canadians build wealth the wrong way (here's how to do it right)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Feb 26, 202610 min
28: Pay Off Your Mortgage 5-10 Years Faster (Without Increasing Your Payment)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Feb 26, 202620 min
27: How landlords can use the CRA's money to pay off their mortgage (Rental Cash Damming 101)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Feb 25, 202610 min
26: Make Your Mortgage TAX DEDUCTIBLE - 3 Strategies
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
Mar 12, 202515 min
25: Bank of Canada CUTS Interest Rates - What This Means for YOU
▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon discuss the Bank of Canada announcement for March. 📞 Book a Call with Brandon *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on Spotify
Jul 18, 20247 min
24: Is Trudeau Secretly Creating ANOTHER Housing Tax?
WATCH ▶️ Watch this episode on Youtube *** 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. 📞 Book a Call with Brandon *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on Spotify ***
Jul 11, 202410 min
23: Interest Rates DECLINING in Canada - July Rate Update
WATCH ▶️ Watch this episode on Youtube *** 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 term averages for different types of mortgages, insured mortgages, uninsured mortgages, fixed, and variable. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ experts
Jul 4, 20246 min
22: Interest Rates & Affordability TODAY vs. 2022 - Is It A Good Time To Buy?
WATCH ▶️ Watch this episode on Youtube *** 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. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on Spotify ***
Jun 27, 202437 min
21: Why Canadians Are Investing in the U.S.
WATCH ▶️ Watch this episode on Youtube *** 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 About Real Estate" podcast, in addition to being a blogger, speaker, and philanthropist. Erwin is here to discuss: → Why Canadians should look at investing in the US
Jun 20, 20247 min
20: No Downpayment? No Problem
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares how you can use municipal downpayment programs to help get into the housing market. He covers who's eligible, how they work, and 3 examples of different real life use cases from his clients. 📞 Book a Call with Brandon *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on Spotif
Jun 13, 202411 min
19: Insider Tips for Getting a Mortgage Pre-Approval
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 5 insider tips you need to know for getting a proper mortgage pre-approval, and what a lot of banks and brokers don't want you to know. What was discussed: → The difference between a pre-approval and a pre-qualification, and why pre-qualifications are meaningless. → Asking for multiple rate holds. → The varying compensation for banks and brokers and the question you need to ask every mortgage broker you talk to. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an App
Jun 8, 202417 min
18: 5 Ways To Pay Off Your Mortgage FASTER in 2024
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 5 key strategies on how to pay down your mortgage quicker, while also having benefits like saving on interest and eliminating consumer debt. What was discussed: → Explaining different methods of pre-payment privileges including accelerated and lump sum payments. → Paying off your high interest debt to increase cash flow and refinancing your mortgage. → Why you should be looking at a static variable rate mortgage in a declining rate environment. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ experts@n
Jun 6, 20245 min
17: Bank of Canada CUTS Rate For First Time In 4 Years - What You Need To Know
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom breaks down everything you need to know about the Bank of Canada's rate decision on June 5th, 2024. There's a lot of misconception out there on how the rate cut impacts borrowers, and overall market expectations. Tom simplifies it all! *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on
May 30, 20249 min
16: Using your FHSA to Build CRAZY Wealth
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares an advanced wealth building strategy ("Hack the FHSA") you can do by combining your First Home Savings Account (FHSA), with a Hold Co., if you're planning to add multiple properties to your portfolio. 📞 Book a Call with Brandon *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating
May 24, 20246 min
15: Attention Parents: Charge Your Child Rent
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares the reasons why you should be charging your adult kids rent, the lessons it will teach them, and how it can set up their financial future. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on Spotify ***
May 16, 20243 min
14: A Huge Market Opportunity
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares a huge market opportunity that's happening right now thanks to the capital gains tax, and how you can take advantage of it for less money than you think. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on Spotify ***
May 9, 20246 min
13: How Much Can I Expect to Spend On a Million Dollar Home?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares how he and Brandon pre-approve clients by making a customized budget, and how much it would actually cost to purchase a million dollar home in Canada. What was discussed: → Breaking down the mortgage down payment, amortization, rate, and property taxes. → How much cash you actually need for closing costs including down payment, legal fees, appraisals, land transfer tax, and adjustment costs. → What your monthly household budget would be with mortgage, utilities, property tax, and home insurance. *** MORT
Apr 30, 20246 min
12: Canada Proposing Increased Capital Gains - What You Need To Know
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon break down the new proposed increase in capital gains taxes set to come into affect in June (if it passes), and provide an example to help this make sense to the average Canadian. What was discussed: → How the new capital gains tax will work. → An example scenario of the old capital gains tax versus the new capital gains tax. → Who this will affect most. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom)
Apr 18, 202410 min
11: *NEVER* Do These 10 Things When Getting a Mortgage
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon share 10 things you should absolutely never do when getting a mortgage, because they will affect your application in a negative way. What was discussed: → Making big purchases or opening new forms of credit. → Making risky investments or moving/changing/playing with funds and accounts. → Changing your job status and co-signing for other mortgages. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Conne
Apr 12, 20248 min
10: Bank of Canada Holds Rates Steady - When Will We See Rate Cuts?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon explain the recent Bank of Canada Announcement which held the variable rate, meaning still no cuts this year after multiple increases since the pandemic. What was discussed: → Why we haven't seen any rate cuts yet and when we might see the first rate cut this year. → The influence the US has on Canada and how Canadian politics will play their part. → And why the fixed rates will most likely increase soon. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an App
Apr 11, 20247 min
9: Mortgage Mistakes Canadians Need to Avoid
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 5 common mortgage mistakes that cost individual Canadians thousands of dollar a year, and how you can avoid these pitfalls. What was discussed: → Paying off your mortgage and locking into too long with fixed rates. → Understanding pre-payment privileges and mortgage porting → The co-signer trap that makes you house poor. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Conne
Apr 4, 20243 min
8: Should You Wait to Buy a Home? 3 Things to Consider
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares 3 things to consider if you're sitting on the fence and waiting to buy, and if now could be the right time for you. What was discussed: → Normal range of fixed rates. → Shrinking your debt. → Maximizing leverage. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review on Apple Podcasts 🟢 Leave a rating on Spotify ***
Apr 3, 20246 min
7: Adjustable vs Variable Rate Mortgage | What’s Best?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon explain the differences between two types of variable rate mortgages, adjustable and static, and what you need to consider when choosing them. What was discussed: → What adjustable rate mortgages are. → What static (variable) rate mortgages are. → And what a "trigger rate" is and what it means if you hit it. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on
Apr 2, 202413 min
6: Should You Declare More Income to Qualify With the Banks?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon discuss if you should be declaring more income as an entrepreneur in order to qualify for a traditional bank mortgage, or less in order to pay less in income tax. What was discussed: → The differences between "A" and "B" lenders. → Looking at your financial goals as a whole picture. → And why it's important to work with experts in the space. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on
Mar 31, 202417 min
5: MORTGAGE BROKERS EXPLAIN: How to Have the Best Credit Score
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom discuss what it takes to have sparkling credit. Let this episode be your go-to resource for all things related to your personal credit. What was discussed: → Different factors that influence your score. → Common misconceptions. → Tips, Tricks and Strategies on how to build your credit score. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) ***
Mar 28, 202425 min
4: Biggest Mistakes Real Estate Investors Make with Their Taxes, with Tax Expert Cherry Chan
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom and Brandon are joined by Cherry Chan, CPA. Cherry is the Founder of Real Estate Tax Tips from Oakville, Ontario, a dedicated accounting practice for real estate investors, property managers, contractors, builders, real estate agents, and mortgage brokers. Cherry, herself a real estate investor for over 10 years, also runs a blog and YouTube channel, so Canadians may finally receive straight forward answers to all those confusing tax questions. Cherry is here to discuss: → Common tax mistakes made by Canadians.
Mar 22, 20249 min
3: Renewing Your Mortgage In Canada - 4 Tips
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 4 things you should know if you're coming up for mortgage renewal in Canada. What was discussed: → When you should start planning for renewal and assessing your life goals. → Mortgages features and what they mean, including porting, penalties, pre-payment privileges, and bona fide sales clauses. → And why it's important to shop both multiple lenders and mortgage professionals. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on I
Mar 22, 20249 min
2: Multiple Offers? Do This To Win The Home
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares tips and tricks on how you can navigate multiple offers scenarios, and make sure you are the one who wins the house. What was discussed: → Preparation and contingency plans. → Having your home ready to sell. → And how connecting with the listing agent for an "offer assist" can make you stand out. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG)
Mar 22, 20245 min
1: Mortgage Interest Rates In Canada | March 2024
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares an update on Canadian interest rates for March, 2024, and the trend he sees in them. What was discussed: → How fixed and variable rates work. → Spreads on variable and fixed rates in different types of mortgages. → And which rates are the ones banks showcase online. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏 Leave a review o

More active shows

Angry Mortgage

Active · 2026-10 · 202 episodes · 75K on YouTube · Ron Butler · Toronto, ON

Blunt, opinionated weekly-ish show on Canadian mortgage rates, lenders, housing prices and the mortgage industry, with guests such as economists and lenders; plenty of episodes aimed at borrowers and homeowners.

BLD Financial Podcast

Active · 2026-09 · 36 episodes · Josh Findlay & Ehren Laycock

Long-form interviews with developers, lenders, investors and policy voices on how housing and development are financed in Canada.

Commission Breath | For Mortgage Brokers & Loan Officers

Active · 2026-10 · 124 episodes · 204 on YouTube · Brandon Love & Tom Moffat · Burlington, ON

Short, specific strategies for scaling a mortgage practice (marketing, social media, systems) with interviews of successful brokers.

Homeowner AF: The Canadian First Time Homebuying Podcast

Active · 2026-10 · 67 episodes · Brianna Goslin · Muskoka, ON

Weekly show for first-time buyers in Ontario and across Canada covering pre-approvals, closing costs, down payment savings, credit scores, rates and home insurance.

Directory compiled 2026-10-28. Details come from public listings and the show’s own feed.