Mortgage broker podcasts / Hosted by mortgage brokers

Mortgage Foundations

Tyler Cowle · Oshawa, ON

Plain-language explanations of how mortgages work, hosted by the principal broker of an Oshawa brokerage.

Status: inactive · Mortgage Foundations (FSRA brokerage #13614)

YouTube channel: 7 subscribers · 370 views · 46 videosPublic YouTube figures as of 2026-10-29; subscriber counts are rounded by YouTube.

Episodes

Nov 29, 20247 min
Episode 41 - What is a Mortgage (Video Podcast)
Summary In this conversation, Tyler Cowle, a mortgage broker, explains the fundamentals of mortgages, including what they are, how they work, and the various types available. He emphasizes the importance of understanding mortgage terms, interest rates, down payments, and the loan-to-value ratio. Cowle also discusses different mortgage products, such as fixed-rate and adjustable-rate mortgages, and the significance of prepayment options. He encourages listeners to educate themselves and work with a mortgage broker to navigate the complexities of the mortgage process effectively. Takeaways A mor
Oct 17, 20246 min
Episode # 40 - Join the Mortgage Foundations Team
Today's episode covers the benefits of joining Mortgage Foundations as a new agent or as an established agent or broker looking for a new home. Also offers tips of what to look for in a brokerage!
Oct 9, 20247 min
Episode # 39 - The Mortgage Foundations Client Journey!
Today's episode explains the Mortgage Foundations Client Journey from the opening Discovery Call to Closing Day and into the future after closing.
Oct 3, 20246 min
Episode # 38 - Private Mortgages Explained
Today's episode explains what a private mortgage is, the different types of private lenders and how to navigate the process of a private mortgage!
Sep 30, 20245 min
Episode # 37 - Goodbye to the Stress Test for Uninsured Switches!
OSFI finally removes the stress test from un-insured mortgages after much pressure from those in the mortgage industry as well as government agencies.
Sep 19, 20247 min
Episode # 36 - The "Boldest Mortgage Reforms in Decades"
Discussing the Federal Government's announcement of 30yr amortization for first-time homebuyers and the increase of the maximum price cap to $1.5M!
Sep 10, 20247 min
Episode # 35 - What is a Debt Consolidation Mortgage?
Explaining the pros and cons of a debt consolidation mortgage refinance.
Aug 22, 20248 min
Episode # 34 - How a Mortgage Broker Gets Paid!
Ever wonder how a Mortgage Broker gets paid for their services? Find out in today's epsiode where we discuss who pays a Mortgage Broker (hint - it is normally the lender)!
Aug 15, 20246 min
Episode # 33 - Credit Scores and Mortgages!
What does your credit score have to do with the interest rate for your mortgage? Today's episode explains that for many mortgages, the score alone may not affect much and it is the credit history and explanations that matter more!
Aug 9, 20247 min
Episode # 32 - What happens in a decreasing rate environment?
Both fixed and variable rates may be coming down and we may find ourselves in a decreasing rate environment. Today's episode hom this type of environment can affect an upcoming renewal, current mortgage commitment, as well as potential future prenalties!
Aug 1, 20246 min
Episode # 31 - The difference between the Term and Amortization Period.
Today's epsiode explains the difference between the mortgage term and the mortgage amortization!
Jul 22, 20245 min
Episode # 30 - What is the effect of a Bank Of Canada rate cut?
How does a Bank Of Canada rate cut affect a mortgage payment? Today's epsiode gives an idea of how a rate cut will affect a mortgage payment, or how it will affect the allocation of a payment to principal and interest!
Jul 17, 20246 min
Episode # 29 - What is a Home Equity Line of Credit (HELOC)?
Today's epsiode explains what a Home Equity Line Of Credit, or HELOC is, and discusses how it can be used to assist with your financing needs!
Jul 3, 20247 min
Episode # 28 - GDS and TDS
Today's epsiode explains what the Gross Debt Service (GDS) and Total Debt Service (TDS) ratios are and how the two calculations are used when qualifying you for a mortgage!
Jun 20, 20246 min
Episode # 27 - Co-Signers and Guarantors
Today's episode explains the difference between a co-signer and a guarantor. Listen to the podcast to learn the pros and cons of each one!
Jun 13, 20245 min
Episode # 26 - Understanding APR vs Interest Rate
In this episode we explain the difference between the interest rate and the Annual Percentage Rate (APR). For questions on this or anything else mortgage related you can reach Tyler at (905) 440-5392 or [email protected]
Jun 5, 20245 min
Episode # 25 - Bank Of Canada Rate Cut - Now What?
This episode discusses the Bank Of Canada rate cut and focusses on the effects for variable mortgage holders; as well as the potential effects on fixed rate mortgages.
May 29, 20244 min
Episode # 24 - What is a Bridge Loan
Today's episode discusses what a Bridge Loan is and how it could be benficial to purchase a home sooner than the closing of the home you are selling!
May 14, 20248 min
Episode # 23 - Capital Gains Tax on Property Sales
Today's episode discusses the Captial Gains Tax on property sales and when it does and does not apply.
May 8, 20246 min
Episode # 22 - Mortgages for Self-Employed or Business For Self.
Getting a mortgage when you are self-employed of business-for-self can be challenging. Today's episode explains why this may be and gives an overview of how, and why, these mortgages differ from others!
Apr 30, 20247 min
Episode # 21 - Porting a Mortgage
Today's episode explains what a mortgage port is, and how it can be beneficial when purchasing a new property and keeping your current rate, or a blend of your current rate if a larger mortgage is required!
Apr 17, 20246 min
Episode #20 - The end of some mortgage document fraud could be on the horizon!
The federal government has finally realized that mortgage document fraud is a big issue and has advised that they are working with the CRA to allow a secure connection with lenders in order for lenders to be able to confirm client's income. This fairly simple change could effectively eliminate most mortgage document fraud from the industry!
Apr 13, 20247 min
Episode # 19 - Special Episode - Changes to the RRSP HBP and Amortization
Today's episode discussed announced changes to the RRSP Home Buyer Program, as well as an amortization change to 30 yr insured mortgage; but, only for first-time homebuyers buying new builds.
Apr 11, 20247 min
Episode # 18 - What is an Alternative Lender
Today's epsiode explains what an alternative lender is, and how they can be used to obtain home financing. We will discuss the common misconception that alternative lenders are only used when there are credit issues, or other negatives; when in fact, some of the strongest clients are with an alternative lender due to their income stream!
Apr 4, 20245 min
Episode # 17 - The difference between a Variable and Adjustable Rate Mortgage
Today's episode explains the difference between a Variable and an Adjustable rate mortgage. They are both based on prime rate and Bank Of Canada rate changes affect both; but, they are very different when it comes to payments over the term!
Mar 25, 20245 min
Episode #16 - Standard Charge vs Collateral Charge
Today's epsiode explains the difference between a Standard mortgage charge and a collateral mortgage charge, and how they can affect your future home financing plans!
Mar 18, 20246 min
Episode #15 - Bare Trusts and Co-signing for a Mortgage
Explaining everything about the world of mortgages! This podcast will help you to understand how a mortgage works and explain the details. Mortgage Foundations is located in Oshawa, Ontario and is a Licensed Mortgage Brokerage with FSRA # 13614. It's Principal Broker is Tyler Cowle; who is also the host and main contributor to this podcast!
Mar 11, 20245 min
Episode #14 - Mortgage Protection Plan (MPP)
Explaining everything about the world of mortgages! This podcast will help you to understand how a mortgage works and explain the details. Mortgage Foundations is located in Oshawa, Ontario and is a Licensed Mortgage Brokerage with FSRA # 13614. It's Principal Broker is Tyler Cowle; who is also the host and main contributor to this podcast!
Mar 5, 20245 min
Episode #13 - What is a Mortgage Finance Company?
Explaining everything about the world of mortgages! This podcast will help you to understand how a mortgage works and explain the details. Mortgage Foundations is located in Oshawa, Ontario and is a Licensed Mortgage Brokerage with FSRA # 13614. It's Principal Broker is Tyler Cowle; who is also the host and main contributor to this podcast!
Feb 26, 20245 min
Episode #12 - Down Payment
Explaining everything about the world of mortgages! This podcast will help you to understand how a mortgage works and explain the details. Mortgage Foundations is located in Oshawa, Ontario and is a Licensed Mortgage Brokerage with FSRA # 13614. It's Principal Broker is Tyler Cowle; who is also the host and main contributor to this podcast!
Feb 20, 20245 min
Episode #11 - First Home Savings Account (FHSA)
Explaining everything about the world of mortgages! This podcast will help you to understand how a mortgage works and explain the details. Mortgage Foundations is located in Oshawa, Ontario and is a Licensed Mortgage Brokerage with FSRA # 13614. It's Principal Broker is Tyler Cowle; who is also the host and main contributor to this podcast!
Feb 16, 20246 min
Episode # 10 - Appraisals
Today's epsiode explains what an appraisal is, when they may be required and how they are used by lenders in the approval process of your mortgage
Feb 12, 20246 min
Episode # 9 - The Mortgage Renewal Process
Today's episode explained the mortgage renewal process and why it is always important to discuss an upcoming renewal with a Mortgage Broker instead of just accepting what your current lender offers.
Feb 9, 20246 min
Episode #8 - Purchase Plus Improvements Mortgage
Today's episode discusses the Purchase Plus Improvement mortgage program and how it can be used to help to buy the almost perfect home, that may need a bit of work to make it exactly what you are looking for!
Feb 5, 20246 min
Episode #7 - Pre-payment Penalties
Pre-payment penalties are an important part of almost every mortgage and if you are not prepared for them, you may find yourself surprised by a substantial penalty to break your mortgage. Today's epsiode explains what a pre-payment penalty is, common ways of calculating them and how some can be much more than others!
Jan 30, 20244 min
Episode #6 - Pros and Cons of a Mortgage Refinance
Today's epsiode discusses mortgage refinances and explains the pros and cons of using one!
Jan 30, 20246 min
Episode #5 - Do you need a pre-approval
What is a pre-approval and why are they beneficial when shopping for a property? Today's episode explains the benefits of a pre-approval and the included rate hold!
Jan 30, 20244 min
Episode #4 - The Stress Test
Today's episode explains what the Stress Tes is and how it is used to qualify you for a mortgage!
Jan 30, 20245 min
Episode #3 - Insured, Insurable and Un-Insured Mortgages
In today's episode we discuss the different type of mortgages available; Insured, Insurable and Uninsurable.
Jan 30, 20245 min
Episode # 2 - Why you should use a mortgage broker!
In today's episode we cover why you should consider using a mortgage broker and how they can make your home ownership journey from start to finish!
Jan 30, 20248 min
Episode #1 - What is a Mortgage?
The first epsiode of the Mortgage Foundations podcast explains what a mortgage is and how it is used for your home financing needs!

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