Homeowner AF: The Canadian First Time Homebuyer Podcast

Brianna Goslin
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Mortgage agent and Educator Brianna Goslin examines the barriers to homeownership that exist for Canadian first-time homebuyers and provides actionable advice. Learn from industry professionals, affordable housing advocates, change-makers and first-time homebuyers who were just like you.

  1. 12/09/2024

    Unlocking the FHSA with Scott McEachern

    Book a Call with Brianna: Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8 Connect with Brianna: Instagram: https://www.instagram.com/briannagoslinmortgages/ LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages Website: https://www.briannagoslinmortgages.com Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup In this episode of Homeowner AF, I sit down with Scott McEachern, a Certified Financial Planner based in Barrie, Ontario. Scott specializes in helping families make smart financial decisions, from securing the right life insurance to planning for their biggest financial goals like becoming debt-free, saving for their kids’ education, or buying their first home. Together, we dive into the First Home Savings Account (FHSA) — a game-changing tool for first-time homebuyers in Canada. What You’ll Learn in This Episode: What is the FHSA? Scott breaks down how the FHSA compares to other popular savings options like RRSPs and TFSAs, explaining why it’s a must-know for first-time homebuyers. Eligibility Criteria for the FHSA: We cover who qualifies as a "first-time homebuyer" and the steps to open this account. Where to Open an FHSA: Scott shares tips on where Canadians can access the FHSA — whether it’s through the big five banks or alternative financial institutions. Contribution Limits and Carry-Forward Rules: Learn about the annual and lifetime contribution limits for the FHSA and how unused room can be carried forward. Tax Advantages of the FHSA: Scott explains how FHSA contributions impact your taxable income and how they can be used as tax deductions. Strategies for First-Time Homebuyers: Discover actionable tips to maximize your FHSA and reach your savings goals faster. Risks and Limitations: We discuss potential risks or limitations of investing within the FHSA compared to other accounts. What Happens If You Don’t Buy a Home? Find out how unused FHSA funds can be transferred or repurposed without penalties. Connect with Scott McEachern: Instagram: @scmceachernWebsite: https://www.mceachernfinancial.ca/

    11 min

  2. 09/20/2024

    Bonus Episode: New Mortgage Regulations for First Time Buyers

    Brianna is back with timely information for Canadian First Time Homebuyers: Coming into effect December 14, 2024, first-time buyers in Canada will have access to 30-year amortizations on insured mortgages. Also released were details about the insured mortgage cap which is now $1.5 MM compared to the previous $1MM maximum purchase price. Listen in to find out what these new regulations mean for you as a borrower and what to keep in mind if you are hoping to take advantage of these new opportunities in the market. Questions? Book a Call with Brianna: Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8 Connect with Brianna: Instagram: https://www.instagram.com/briannagoslinmortgages/ LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages Website: https://www.briannagoslinmortgages.com Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

    10 min

  3. 04/03/2024

    Is Credit Utilization Killing Your Mortgage Application?

    Are you making the minimum payments on time, on all your debts, but still seeing your credit score decline? You might be using too much credit. In today's episode, Brianna talks about credit utilization. She discusses: Credit utilization: What it isHow it's measuredWhat to do if your credit utilization is too high  Resources: More about credit utilization: https://www.equifax.com/personal/education/debt-management/articles/-/learn/credit- utilization-ratio/ Book a Call with Brianna: Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8 Connect with Brianna: Instagram: https://www.instagram.com/briannagoslinmortgages/ LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages Website: https://www.briannagoslinmortgages.com Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

    6 min

  4. 03/27/2024

    Timing The Market With Alex Mohr

    In this week's episode, Brianna and Alex, a fellow mortgage agent, chat about timely topics affecting mortgage holders and homebuyers in the Spring of 2024. Connect with Alex Instagram @Alex_Mohr Connect with Brianna: Instagram: @briannagoslinmortgagesEmail: briannagoslin@gopineapple.com If you enjoyed this episode, please leave a review on your favourite podcast platform. Your feedback helps us reach more listeners like you!

    21 min

  5. 03/20/2024

    Boutique Service at No Cost To You: How to Get Your Best Rate This Spring

    In this episode, discover the benefits of working with a mortgage agent for Canadian first-time homebuyers. Learn why rate shopping without guidance is unwise and explore: Why a mortgage agent is essential for your credit: Understand the pivotal role of a mortgage agent in safeguarding and optimizing your credit score.The value of post-close support: Delve into the importance of access to support post-close and beyond for first-time homebuyers, and how a mortgage agent provides ongoing assistance.Saving time and money: Learn how partnering with a mortgage agent can streamline the homebuying process, ultimately saving you both time and money. Book a Call with Brianna: Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8 Connect with Brianna: Instagram: https://www.instagram.com/briannagoslinmortgages/ LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages Website: https://www.briannagoslinmortgages.com Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

    9 min

  6. 03/13/2024

    How Much Cash Do I Need To Close?

    Congratulations! You've saved your downpayment, and you're ready to buy... but how much more cash will you need to close on your first home purchase? Listen in to learn: How to determine your minimum downpayment amountHow to calculate your closing costsHow much cash you need to close your first purchase Resources: Check out this minimum downpayment calculator: https://www.ratehub.ca/mortgage-down-payment Book a Call with Brianna: Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8 Connect with Brianna: Instagram: https://www.instagram.com/briannagoslinmortgages/ LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages Website: https://www.briannagoslinmortgages.com Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

    6 min

  7. 03/06/2024

    Should I Choose A Fixed Rate or Variable Rate Mortgage in 2024?

    Fixed or variable rate mortgage in 2024? Which one is right for you? In today's episode, Brianna explains: how the fixed interest rate is determinedhow the variable interest rate is determinedpros and cons of each mortgage product PLUS Which mortgage product first time homebuyers are choosing most often in March 2024. Book a Call with Brianna: Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8 Connect with Brianna: Instagram: https://www.instagram.com/briannagoslinmortgages/ LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages Website: https://www.briannagoslinmortgages.com Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

    13 min

  8. 02/28/2024

    How To Plan Your Purchase Price

    Did you know that what you qualify for, may not be what you can actually afford? Listen in to learn more. Book a Call with Brianna: Schedule your consultation here: https://calendar.app.google/X1Tv2yHfUtSCuRvp8 Connect with Brianna: Instagram: https://www.instagram.com/briannagoslinmortgages/ LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages Website: https://www.briannagoslinmortgages.com Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup

    8 min
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About

Mortgage agent and Educator Brianna Goslin examines the barriers to homeownership that exist for Canadian first-time homebuyers and provides actionable advice. Learn from industry professionals, affordable housing advocates, change-makers and first-time homebuyers who were just like you.

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