MortgageEase Unfiltered: Beyond Rates & Real Estate

Nicole Farrugia

Covers homeownership, mortgage rules, stress test, first-time buyer changes and personal-finance and mindset topics.

Status: inactive · MortgageEase

Episodes

1. May 8, 202535 min

   Mortgage 101 - Back To Basics

   In this episode of MortgageEase Unfiltered , Nicole Farrugia takes us back to the basics with a no-fluff breakdown of Mortgage 101. Whether you’re a first-time buyer or just need a refresher, she simplifies the key terms and steps every homeowner should understand. It’s the perfect starting point for anyone looking to feel more confident navigating their mortgage journey. Tune in and take the guesswork out of home financing! Takeaways Understand what a mortgage is and how it works in simple terms. Learn the difference between fixed and variable rates. Discover why your credit score matters and

2. Apr 16, 202557 min

   Beneath the Surface: Healing, Hiding & Holding It All Together

   In this episode of MortgageEase Unfiltered: Nicole Farrugia speaks with Robina Abramson-Walling about the complexities of life, entrepreneurship, and mental health. Robina shares her personal journey from being a nurse to becoming a health coach and entrepreneur, discussing the challenges she faced, including burnout, trauma, and the importance of self-care. The conversation emphasizes the need for awareness, the impact of stress on health, and the significance of finding balance in life. Robina offers insights on how to reconnect with oneself and the importance of listening to the body's sign

3. Mar 12, 202516 min

   Rules and Stress Test

   In this episode of MortgageEase Unfiltered, Nicole Farrugia discusses significant changes in mortgage rules, focusing on the stress test adjustments for mortgage renewals and proposed refinancing rules for secondary suites. She explains the implications of these changes for borrowers and emphasizes the importance of staying informed in a rapidly evolving mortgage landscape. Takeaways The stress test ensures mortgage affordability under unforeseen circumstances. Borrowers must qualify at the higher of the Bank of Canada benchmark or contract rate plus 2%. The removal of the stress test for insu

4. Feb 26, 202524 min

   The Rate War Obsession

   In this episode of MortgageEase Unfiltered, Nicole Farrugia discusses the obsession with mortgage rates, driven by media hype and psychological factors. She emphasizes that not all mortgage products are created equal, highlighting the differences between low-rate mortgages and their potential pitfalls. The conversation also delves into the complexities of fixed and variable rates, providing insights into how they are influenced by market conditions and the importance of understanding the fine print. Nicole encourages listeners to consult with mortgage brokers to navigate these complexities eff

5. Feb 12, 202515 min

   First-Time Buyer Game Changer: Breaking Down the New Mortgage Rules

   In this episode of MortgageEase Unfiltered, Nicole Farrugia discusses the recent changes in mortgage rules affecting first-time home buyers in Canada. She explains the concept of insured mortgages, the implications of the new cap on insured mortgages, and the introduction of a 30-year amortization period specifically for first-time buyers. Nicole emphasizes the benefits of these changes, including increased purchasing power and improved cash flow, while also addressing the importance of understanding mortgage premiums and strategies for managing payments effectively. Takeaways These new rules

6. Jan 29, 202530 min

   From The Ground Up

   In this debut episode of Mortgagees Unfiltered , host Nicole Farrugia takes you behind the scenes on her journey into the mortgage world and why she’s launching this podcast. From the Ground Up is all about building a strong foundation —whether it’s your career, your home, or your financial future. Nicole gets real about the struggles, surprises, and lessons she’s learned along the way, sharing actionable insights to help you navigate real estate and mortgages with confidence. Whether you’re a first-time buyer, seasoned investor, or industry pro , this podcast will give you the tools to make i

7. Nov 13, 20241 min

   Beyond the Numbers: An Inside Look at Mortgagees Unfiltered

   Life isn’t just about rates and numbers—it’s about navigating the real challenges that come with them. Welcome to MortgageEase Unfiltered: Beyond Rates and Real Estate, where Nicole Farrugia dives deep, talks straight, and goes way beyond mortgages. Think finance, business, mindset, entrepreneurship and everything in between. All with zero filter and plenty of real talk! So, if you’re ready to move beyond the basics and into the unfiltered truth, hit subscribe and join Nicole along with her expert guests for insights that truly matter.

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