Homeowner AF: The Canadian First Time Homebuying Podcast

Brianna Goslin
  • 5.0 (17)
  • How To
  • Updated Weekly

Welcome to Homeowner AF: The Canadian First Time Homebuying Podcast, the ultimate resource for first-time homebuyers in Ontario and across Canada. Hosted by experienced mortgage agent Brianna Goslin, each week she breaks down the barriers to homeownership, offering practical, easy-to-digest advice that will help you navigate the complexities of buying your first home, while de-mystifying your entry into Canadian Real Estate. Brianna covers topics like: Why do I need a pre-approval?What happens in the mortgage pre-approval process.How much cash do I need to close?How to expedite your down payment savings.What you should know when purchasing your first home after a divorce.What you need to know about credit scores.Housing market trends.Interest rates and how they affect you.Essential information about home insurance for new buyersand so many more first-time homebuying questions! This podcast supports Canadian first-time homebuyers at every stage of the homebuying journey, from real estate curious to ready to buy househunters- Homeowner AF will keep you motivated, inspired, and well-informed about the Canadian homebuying process. Tune in weekly for fresh insights that will make your home-buying journey feel less overwhelming and more empowering.

  1. 2d ago

    How To Plan Your Purchase Price: A Guide to Building Long-Term Financial Wealth as a First-Time Homeowner in Ontario

    Just because a lender says you can spend a certain amount on a home, does that mean you actually should? Today on Homeowner AF, I’m breaking down how to plan your home purchase price as a first-time home buyer in Ontario, and why your pre-approval amount should never be the only number guiding your decision. We dive into what lenders look at, what they don’t look at, and how to build a purchase plan that supports your long-term homeownership goals without stretching your monthly budget too thin. In this episode, I cover: Why your maximum pre-approval amount is not the same thing as your ideal home purchase budgetThe real-life expenses lenders don’t include in debt ratios and why those missing pieces matter when planning your first home purchaseHow to use your current rent payment as a starting point to figure out what kind of mortgage payment actually fits your lifestyle and financial goalsHow to factor interest rates, your down payment, and mortgage qualification to create a comfortable monthly payment and realistic purchase price What to do if your safe price point doesn’t line up with the current marketWhy affordability and long-term sustainability should be at the centre of every home buying decisionBuying your first home in Ontario is about more than qualifying for a mortgage. It’s about making sure your payment still leaves room for the rest of your life, your future goals, and the kind of homeownership experience you actually want. If you want help figuring out your own numbers, book a free call with me and let’s map out a purchase plan that works for you.  Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

    11 min

  2. Jun 16

    How Does My Debt Affect My Application? A First-Time Home Buyer's Guide to Mortgage Qualification in Ontario

    With rising living costs and more Canadians carrying balances on credit cards, student loans, and lines of credit, understanding how debt impacts your ability to buy a home has never been more important. Today on the podcast, I break down exactly how debt affects your mortgage qualification and what every first-time home buyer in Ontario needs to know before applying for a mortgage.  In this episode, I cover: How lenders assess credit cards, lines of credit, loans, and other liabilities when reviewing your mortgage applicationWhat debt ratios are and why your existing monthly payments directly impact how much home you can affordWhy taking on new debt after a mortgage pre-approval can reduce your buying power and affect your home purchase plansHow student loans are calculated during the mortgage qualification processThe connection between debt management, credit health, and securing the best mortgage interest rates availableWhy paying down high credit balances before purchasing a home can help strengthen your application and position you for long-term financial successStill have questions? Leave me a comment on this episode or send me a DM over on Instagram @briannagoslinmortgages. I'll see you next time! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

    11 min

  3. Jun 9

    What Happens At My First Mortgage Renewal? Why Strategizing Before You Sign Can Help Build Long-Term Wealth

    Have you ever thought about how much money you might be leaving on the table at your mortgage renewal? Most Canadians simply sign on the dotted line without realizing that this is the perfect moment to reassess, save, and take greater control of their financial future. Today on Homeowner AF, I break down exactly how to turn your mortgage renewal into an opportunity to set yourself up for long-term wealth without unnecessary stress or hidden fees. In this episode, I cover: How to lock in the best mortgage rates before your renewalThe importance of strategizing before you signThe benefits of consolidating debt into your mortgageWhy your renewal is an ideal time to remove consignors and guarantorsHow accelerated payment options can help you save on interest and build wealth soonerThe cost of waiting until midterm and why acting at renewal keeps more money in your pocketIf your renewal is coming up, book a free call with me at www.Bricallme.com and let’s explore what makes the most sense for your household. The right advice at the right time can move you closer to homeownership and long-term wealth. Thanks for listening, and I’ll be back next week with another practical tip for first-time homebuyers in Ontario.  Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

    10 min

  4. Jun 2

    Cosigners and Guarantors: What You Need to Know About Getting Help Qualifying For a Mortgage in 2026

    Today on the podcast, I answer one of the most common questions I hear from first-time home buyers in Ontario: what is the difference between a cosigner and a guarantor? We dive into when each option makes sense, what lenders look for, and the important considerations you need to understand before asking someone to help you qualify for a mortgage. In this episode, I cover: • The key differences between a cosigner and a guarantor and how each impacts your mortgage application • Why lenders may require a cosigner even if you earn a good income  • When adding a cosigner or guarantor can help you buy your first home and when it could create bigger financial challenges down the road • The responsibilities your cosigner or guarantor takes on and what happens if mortgage payments are missed • The risks of relying on a cosigner or guarantor to increase your purchase price and how to avoid becoming house poor • How to remove a cosigner from your mortgage in the future and why having an exit strategy is essential before signing any documents Are you considering adding a cosigner or guarantor to your mortgage application and want advice tailored to your situation? Book a free consultation with me using the link below! Before you go, please leave a like and subscribe to the podcast for more expert insights on the steps for becoming a homeowner in Ontario! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

    15 min

  5. May 26

    Can I Buy A House Alone? Purchasing As A Single Home Buyer in Ontario

    Today on Homeowner AF, I tackle one of my biggest frustrations as a mortgage professional: the misconception that single Canadians cannot buy a home. I break down strategies for single first-time homebuyers in Ontario and the support available to make homeownership achievable. Tune in to feel empowered, informed, and ready to take your next step toward owning your first home in Ontario. In this episode, I cover: How single-income applicants can navigate the mortgage process and prepare financially for their first homeStrategies for maximizing down payment savings, including owner-occupied rental opportunitiesAccessing municipal down payment assistance programs in Ontario to support your purchaseUnderstanding co-signer or guarantor options and how they can help single buyers enter the marketIf you found this episode helpful, please leave me a like and review. Get your question answered on the podcast by heading over to my socials and sending me a DM or voice note. I’ll see you next time! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

    9 min

  6. May 19

    What Happens After an Accepted Offer? Mortgage Conditions, Deposits and Closing Steps for First-Time Home Buyers in Ontario

    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: What happens during the critical 5 to 10 business day conditional period The truth about deposits, down payments, and when your money is actually at risk The documents lenders may still request after your pre-approval How appraisals can impact your mortgage approval and purchase price The risks of going in firm without a financing condition in a competitive market The importance of having a fully reviewed pre-approval before you go house huntingDo 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? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

    11 min

  7. May 12

    Let’s Talk About Gifted Downpayments: What First-Time Home Buyers in Ontario Need to Know

    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: Who can gift funds and what lenders typically allowThe paperwork and bank documentation needed for mortgage approvalWhy closing costs may still need to come from your own savingsWhat borrowers need to know before accepting gifted funds from familyHow working with a mortgage agent early can help speed up your home buying journeyIf 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? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

    10 min

  8. May 5

    What NOT To Do When You're Pre-Approved

    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: The three key factors your pre-approval is based on and the importance of not making any changes to themWhy co-signing any loan can potentially nullify your pre-approvalHow switching jobs during the pre-approval period can impact your mortgage terms, even if it’s to a higher paying jobThe importance of managing your credit after you’ve been pre-approvedWhy you must communicate any changes to your down payment to your mortgage brokerIf 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? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

    10 min
See All (49)

5
out of 5
17 Ratings

About

Welcome to Homeowner AF: The Canadian First Time Homebuying Podcast, the ultimate resource for first-time homebuyers in Ontario and across Canada. Hosted by experienced mortgage agent Brianna Goslin, each week she breaks down the barriers to homeownership, offering practical, easy-to-digest advice that will help you navigate the complexities of buying your first home, while de-mystifying your entry into Canadian Real Estate. Brianna covers topics like: Why do I need a pre-approval?What happens in the mortgage pre-approval process.How much cash do I need to close?How to expedite your down payment savings.What you should know when purchasing your first home after a divorce.What you need to know about credit scores.Housing market trends.Interest rates and how they affect you.Essential information about home insurance for new buyersand so many more first-time homebuying questions! This podcast supports Canadian first-time homebuyers at every stage of the homebuying journey, from real estate curious to ready to buy househunters- Homeowner AF will keep you motivated, inspired, and well-informed about the Canadian homebuying process. Tune in weekly for fresh insights that will make your home-buying journey feel less overwhelming and more empowering.

Information

You Might Also Like