Homeowner AF: The Canadian First Time Homebuying Podcast

Hosted by Brianna Goslin

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Jun 2026

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About the show

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.

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June 16, 202610 min

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.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

June 9, 202610 min

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.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

June 2, 2026Episode 1114 min

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 documentsAre 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.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

May 26, 20269 min

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.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

May 19, 202611 min

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.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

May 12, 20269 min

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.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

May 5, 20269 min

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.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

April 28, 20268 min

I'm Pre-approved, Now What? Next Steps for First Time Home Buyers

Today on the podcast, I walk you through exactly what happens after you’ve been pre-approved and how to confidently move forward in your home buying journey. We dive into the practical next steps every first time home buyer in Ontario needs to take to turn that pre-approval into a successful home purchase.In this episode, I cover:How to choose the right realtor and why finding someone who aligns with you is key to your homeownership experienceWhy you need to send me MLS listings before making an offer and how I help determine your maximum offer priceHow property taxes, rental income potential, and interest rate changes can impact your affordability and mortgage strategyThe hidden red flags in properties that could get your mortgage declined by lenders or insurersWhat documents need to be updated quickly to meet financing conditions and avoid delaysHow to protect yourself with the right financing conditions and why doing your due diligence upfront is critical as a first time home buyerI hope this episode helps you make the move from pre-approval to purchase with clarity and confidence! If you’re in the process of becoming a first-time homeowner in Ontario, subscribe to the podcast for more expert advice.Specific Questions? Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

April 21, 2026Episode 413 min

What Are Closing Costs in Canada and Why Are They So Expensive? Full Breakdown for Ontario First Time Home Buyers

Today on the podcast, I am breaking down closing costs for first time home buyers in Ontario and why they are one of the most overlooked parts of the home buying process. I walk you through what you actually need saved beyond your down payment, and how to prepare for these costs so you can step into homeownership with confidence.In this episode, I cover:What closing costs are and why they can range from 1.5% up to 4–6% of your purchase price in OntarioLegal fees explained, what your real estate lawyer does and how much you should budgetLand transfer tax in Ontario, including first time home buyer rebates and how Toronto differsCMHC insurance tax and how insured mortgages impact your upfront closing costsAdditional expenses like title insurance, home inspections, appraisals and rural property considerationsHow to prepare your funds, avoid surprises, and ensure your closing day goes smoothlyIf you are a first time home buyer in Ontario trying to understand your true costs beyond the down payment, this episode will help you plan ahead and avoid costly surprises. Tune into Homeowner AF and take the next step toward homeownership fully prepared and financially confident.Resources Mentioned In This Episode:• Provincial Land Transfer Tax https://www.ontario.ca/document/land-transfer-tax , • Municipal Land Transfer Tax (Toronto https://www.toronto.ca/services-payments/property-taxes-utilities/municipal-land-transfer-tax-mltt/municipal-land-transfer-tax-mltt-rates-and-fees/ Specific Questions? Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

April 21, 2026Episode 315 min

What is a Pre-Approval and Why Do I Need One? Mortgage Pre-Approval Explained

Today on the podcast, I am walking you through the true starting point of your homeownership journey as a first time home buyer in Ontario, and why getting a mortgage pre-approval before house hunting is one of the most important steps you can take. I break down exactly what a pre-approval includes, how it impacts your affordability, and how it sets you up to confidently enter the Canadian real estate market.In this episode, I cover:What a mortgage pre-approval is and how it determines your maximum purchase price and monthly paymentThe three key factors lenders assess: income, credit, and down payment for first time home buyersHow a rate hold works and how it protects you from rising interest rates in OntarioThe difference between a pre-approval and a pre-qualification and why that matters for your home buying strategyWhat documents you need, including T4s, NOAs, credit reports, and down payment verificationHow working with a mortgage agent versus a bank can impact your mortgage options and approvalIf you are a first time home buyer in Ontario looking to understand your numbers, strengthen your application, and move toward homeownership with confidence, I hope this episode will give you the clarity and strategy you need. 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.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages