Homeowner AF: The Canadian First Time Homebuyer Podcast

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.

Homeowner AF: The Canadian First Time Homebuyer Podcast is a education podcast hosted by Brianna Goslin, with 36 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Brianna Goslin hosts Homeowner AF: The Canadian First Time Homebuyer Podcast, a education show with 36 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Homeowner AF: The Canadian First Time Homebuyer Podcast

  5 “Stupid Questions” First-Time Homebuyers Might Be Afraid to Ask

  Aug 18, 202613 min

  Today on Homeowner AF, we’re breaking down parts of the mortgage and home buying process that you may not have been taught. There are no stupid questions when it comes to understanding mortgages, so I’m answering five of the most common ones I hear from first-time home buyers in Ontario. Tune in to get clearer on the process and feel more prepared for your home buying journey. In this episode, I answer: Where does my deposit actually go after my offer is accepted, and does it count toward my down payment? How does mortgage default insurance get paid when I’m putting less than 20% down, and should I expect an extra cost at closing? Is land transfer tax the same everywhere in Ontario, and what changes if I’m buying in Toronto? Does my mortgage agent talk to my realtor, and what information do they actually share throughout the home buying process? Can I use my first mortgage to consolidate consumer debt, or do I need a different strategy before becoming a homeowner? If you’re a first-time home buyer, these are exactly the kinds of questions you should be asking. Understanding how the pieces fit together can help you avoid surprises and feel more confident as you move from pre-approval to homeownership. If you’re ready to start your pre-approval or want to talk through your specific home buying plan, book a free call with me at www.Bricallme.com . Give this episode a like, and I’ll see you next time! Ontario Land Transfer Tax Calculator 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

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  Homeowner AF: The Canadian First Time Homebuyer Podcast

  Should I Take on a Longer Mortgage for Lower Payments? 25 vs. 30-Year Amortization for First-Time Home Buyers

  Aug 11, 202614 min

  If you’re a first-time home buyer in Ontario trying to decide between a 25-year and 30-year amortization, this episode will help you understand what that choice actually means for your mortgage, monthly cash flow, and long-term homeownership goals. Today, I’m breaking down the pros and cons of a 30-year amortization, why it can improve affordability and borrowing power, and how you can still build a strategy to pay your mortgage off faster. In this episode, I cover: How the 30-year amortization option works for eligible first-time homebuyers with less than 20% down and why it can make qualifying for a mortgage easier How a longer amortization can lower your monthly or bi-weekly mortgage payment, improve cash flow, and give you more breathing room as you adjust to the full cost of homeownership The trade-offs of choosing a 30-year amortization Why a higher mortgage pre-approval does not automatically mean you should spend more The strategy I recommend for first-time homebuyers who want more flexibility now while still working toward paying their mortgage off sooner What to look for in a mortgage and lender if paying down your balance faster is part of your long-term plan If you still have questions, book a free call with me and let's discuss your specific situation. Please leave a like on the episode and I'll see you next week! Download Brianna's mortgage app: https://cma.me/brianna-goslin/download 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

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  Homeowner AF: The Canadian First Time Homebuyer Podcast

  The Mortgage "Stress Test" Explained: Everything Ontario First-Time Home Buyers Need to Know

  Aug 4, 20269 min

  Today on Homeowner AF, I’m breaking down the Canadian mortgage "stress test", including what it is, why it was introduced, and how it affects your borrowing power. I’ll also share my honest perspective on whether this qualification rule helps or hurts first-time home buyers in Ontario. Stay tuned to hear: How the mortgage stress test fits into your mortgage pre-approval The qualifying rate lenders use and how your contract interest rate can change the calculation How the stress test can reduce your maximum mortgage amount, even when the actual payment appears affordable Why some Canadians believe the rule keeps qualified buyers out of the real estate market How the stress test can provide protection when interest rates increase or your mortgage comes up for renewalI Why a conservative home loan can create more flexibility and help you avoid becoming house poor Understanding how the stress test works can help you feel more prepared, make informed decisions, and move one step closer to becoming a homeowner. If you still have questions, leave me a comment or send me a voice note on Instagram @briannagoslinmortgages for a chance to have your question answered on the podcast. I’ll see you next week! 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

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  Homeowner AF: The Canadian First Time Homebuyer Podcast

  Declined by the Bank? Reasons You Could Still Get Approved for a Mortgage in Ontario

  Jul 28, 202610 min

  Have you been turned down for a mortgage by your bank? Today on Homeowner AF, I share why a mortgage decline doesn't necessarily mean your homeownership journey is over. I walk you through the differences between working with a bank mortgage specialist and an independent mortgage agent, why lending decisions can vary, and how the right strategy can open doors that you may not have realized were available. If you're a first-time home buyer in Ontario who's been told "no," this episode will help you understand your options and show you what steps to take next so you can keep moving toward your homeownership goals. In this episode, I cover: Why being declined by your bank is more common than you think and why it doesn't mean you've failed The key differences between a bank mortgage specialist and an independent mortgage agent, and how each approaches your mortgage application Why self-employed Canadians, buyers with unique income situations, or those rebuilding credit often have more lending options outside of the major banks How taking a strategic look at your finances helps create a personalized plan instead of relying on a simple yes or no decision What you should and shouldn't do immediately after a mortgage decline How having the right mortgage strategy can move you closer to homeownership, even if you're not quite ready today A mortgage decline is not the end of your story. With the right guidance, a clear plan, and the right lending strategy, homeownership may be much closer than you think. If you're ready to explore your options as a first-time home buyer in Ontario, book a free discovery call with me and keep tuning into the podcast for more expert homeowner insights. 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

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  Homeowner AF: The Canadian First Time Homebuyer Podcast

  Is Now the Right Time to Buy a Home in Ontario? What Canadian Home Buyers in 2026 Need to Consider

  Jul 21, 202610 min

  Everyone wants to know if now is the right time to buy. This is one of the most frequently asked questions I get as a mortgage broker and my answer might surprise you. In today’s episode, you’ll hear why the answer has less to do with the current market and more to do with your personal financial situation. I’ll be sharing the framework I use to help first time home buyers in Ontario cut through headlines and determine their personal readiness. If you’re thinking about buying, you'll leave this episode with a clearer understanding of what "the right time" looks like for you. Keep listening to learn: The questions you should be asking yourself before deciding to buy How supply, demand, and buyer confidence influence the Canadian real estate market and what that could mean for your home search The truth about interest rates, what I expect moving forward, and why waiting for rates to fall may not be the strategy you think it is The one financial exercise that can quickly tell you whether homeownership is realistic right now Why a mortgage pre-approval is one of the most powerful tools you can use before starting your home buying journey If your goal is becoming a homeowner, this episode will help you focus on the factors you can control instead of trying to predict the market. Give this episode a like and send me a DM over on Instagram @briannagoslinmortgages to have your question featured on a future episode of the podcast. 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

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