Claim OwnershipHomeowner AF: The Canadian First Time Homebuyer Podcast
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© 2026 Homeowner AF: The Canadian First Time Homebuyer Podcast
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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 buyers
and 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.
36 Episodes
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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 Y...
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 op...
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 highResources: More about credit utilization: https://www.equifax.com/personal/education/debt-management/articles/-/learn/credit-utilization-ratio/ Join Brianna's Email List for Ex...
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_MohrIf you enjoyed this episode, please leave a review on your favourite podcast platform. Your feedback helps us reach more listeners like you! Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Website: http://www.briannagoslinmortgages.com Instagram:...
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 assist...
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 Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagosl...
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 productPLUS Which mortgage product first time homebuyers are choosing most often in March 2024.Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup Specific Questions? Ready to get started? Book a free call ...
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 Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Website: http://www.briannagoslinmortgages.com Instagram: https://www.inst...
2023 was a rough year for first-time home buyers, yet most of my clients were first-time buyers! Curious about how they did it? My buyers leveraged: Gifted DownpaymentThe Canadian Homebuyer's Plan and The First Home Savings AccountCosigners and GuarantorsJoin Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk.com/emailsignup Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Website: http://www.briannagos...
You've gone house hunting, you've found " The One", you've submitted your offer and finally, OFFER ACCEPTED! But what's next? Listen in to learn: What happens before fulfilling the condition of financingWhat a lender is looking at during the condition of financingWhy you may still need to submit documents to your mortgage professional at this timeHow much you should save for closing costsJoin Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages....
In this timely episode, Brianna talks about the role of proper pre-approval in the first homebuying process as it pertains to the Spring 2023 market. Listen in to learn: What's going on in the Real Estate Market right nowThe offer processHow to prepare for a multiple-offer situationHow Brianna works with First Time Homebuyers, (AND gives them a competitive edge in multiple offer situations)Join Brianna's Email List for Exclusive Updates: Sign up here: https://briannagoslinmortgages.myflodesk....
Emily Cerilli aka @sudburyrealtor.emily, visits the pod to chat: The Sudbury, Ontario market and the opportunities that exist in the Northern communityHOUSE HACKING: What it is, and why you should explore this opportunity to add income to your mortgage application and get into the market quicker. Cochrane’s $10.00 building lot offering First-time homebuyer mindsetConnect with Emily on Instagram @sudburyrealtor.emily Join Brianna's Email List for Exclusive Updates: Sign up here: http...
Lesli Gaynor and Parimal Gosai, realtors and creators of the Husmates app, drop in to chat: the benefits of co-ownership and the diverse opportunities that open up with this model of homebuyinghow it works and where to startWhat’s next for Husmates and what we need now in Canada to promote more affordable housing Check out Husmates: https://www.husmates.com/ Connect with Parimal @parimalgosai on Instagram Connect with Lesli @gaynorlesli on Instagram Specific Questions? Ready to get sta...
Suzy Fernandes-Arruda, BDM at Home Equity Bank (Home of the CHIP Reverse Mortgage), chats with Brianna about reverse mortgages, myths and false impressions, and how to accelerate your home ownership journey with a little help. Learn more about CHIP Reverse Mortgage here: https://www.chip.ca/ Check out the Reverse Mortgage Calculator here: https://www.chip.ca/reverse-mortgage-calculators/ Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Website: http...
Brianna chats with Nicole Montgomery @raddestrealtor about first time buying, and what’s happening RIGHT NOW in the Canadian real estate market. Listen in for: Nicole’s home ownership storyWhy you should be tracking BOTH data and consumer sentiment while preparing for a first home purchaseWhich numbers actually matter to first-time buyersSetting realistic expectations for a home purchaseEQUITY: What it is, Why it matters, and how you can leverage it in the futureConnect with Nicole @rad...
Seif El-Sahly drops by Homeowner AF to talk about how his company, Newfore Inc., is helping homeowners leverage their existing properties to: create more housing units in our most populated Ontario cities generate income for their financial goals (you may be surprised at just how much!)support mutli-generational livingStick around for Seif’s insights and preditictions about the future of building and buying in Canada, how to set yourself up for success as a first time home bu...
Muskoka realtor with Coldwell Banker, Kari Clark, stops by the pod to explain the new TRESA regulationshow they will affect Ontario homebuyers Kari’s advice for first-time homebuyers looking forward to 2024Connect with Kari on Instagram: @kariclarkhomes Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.co...
Today, in the fourth and final episode of The Homebuying Series, Alma Aquino and Emerson Munsayac from the Pineapple family chat with Brianna about: Why you need insurance: point blank, period.When you should get life insuranceWhat options are available to youWords of wisdom for first-time buyers in 2023 and beyondSpecific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/brian...
Lawyer and owner of Douglas Law Firm, Melissa Douglas, drops by the pod to chat about: what to expect at the lawyer’s office for your first purchaseWho qualifies as a "First Time Homebuyer"how to protect yourself when purchasing with a partnerthings to keep in mind when purchasing after divorceMelissa's entrepreneurship journey and her words of encouragement for First Time HomebuyersFind Melissa @douglas.lawfirm on Instagram Specific Questions? Ready to get started? Book a free call with Bria...
This week, Brianna welcomes Corey, a local Muskoka Realtor They chat about: What to expect when house huntingWhere to startRural living and Muskoka real estateTips when buying in a new municipalityCheck Corey out on Instagram @boughtwithbrown Get your money tracker at briannagoslin.com Specific Questions? Ready to get started? Book a free call with Brianna: www.Bricallme.com Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: h...
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