PODCAST · education
Modern Wealth
by Tom Moffat
This podcast is where I teach you the strategies that actually work for building wealth in today's Canada (not what worked decades ago).
Episodes
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36: Rental Cash Damming Example (Real Numbers Walkthrough)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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35: THIS CRA Program Helps Landlords Pay Off Their Mortgage 10 Years Faster
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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34: Why Canadian Landlords Should NEVER Pay Down Their Rental Property Faster
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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33: Not Every Mortgage Works for Rental Cash Damming
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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32: Can You Run the Smith Manoeuvre and Manulife One at the Same Time? (Here's the Truth)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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31: 17 Rental Cash Damming Questions Answered (I Get Asked These Daily)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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30: The TRUTH About The Manulife One Mortgage Product
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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29: 93% of Canadians build wealth the wrong way (here's how to do it right)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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28: Pay Off Your Mortgage 5-10 Years Faster (Without Increasing Your Payment)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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27: How landlords can use the CRA's money to pay off their mortgage (Rental Cash Damming 101)
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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26: Make Your Mortgage TAX DEDUCTIBLE - 3 Strategies
Work With Our Team 👉 https://form.typeform.com/to/gYVD9RFu?typeform *** FOLLOW TOM 📸 Instagram: https://www.instagram.com/tmoffs/ 📹 YouTube: https://www.youtube.com/@Tom.Moffat?sub?_confirmation=1
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25: Bank of Canada CUTS Interest Rates - What This Means for YOU
▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon discuss the Bank of Canada announcement for March. 📞 Book a Call with Brandon *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→ [email protected] 📝 Start an Application *** CONNECT 📸 Connect on...
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24: Is Trudeau Secretly Creating ANOTHER Housing Tax?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shines a light on some of the recent activity of Justin Trudeau and the Liberal party, what the implications mean for homeowners, and steps you can take to fight this. 📞 Book a Call with Brandon *** MORTGAGE...
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23: Interest Rates DECLINING in Canada - July Rate Update
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon share today's rates, look at how the US is affecting the rates, and putting it together so it makes sense to the average Canadian. What was discussed: → The differences between fixed and variable rates,...
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22: Interest Rates & Affordability TODAY vs. 2022 - Is It A Good Time To Buy?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom breaks down the differences if you were to purchase a property from 2022 through to 2025 and beyond, and how interest rates and the stress test significantly affect your borrowing power. *** MORTGAGE INQUIRIES 📞...
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21: Why Canadians Are Investing in the U.S.
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom and Brandon are joined by Erwin Szeto. Erwin is the Owner at iWin Real Estate and the Director of the Mr. Hamilton team from Hamilton, Ontario, a team of veteran real estate investors, who coach investors from the...
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20: No Downpayment? No Problem
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares how you can use municipal downpayment programs to help get into the housing market. He covers who's eligible, how they work, and 3 examples of different real life use cases from his clients. 📞 Book a...
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19: Insider Tips for Getting a Mortgage Pre-Approval
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 5 insider tips you need to know for getting a proper mortgage pre-approval, and what a lot of banks and brokers don't want you to know. What was discussed: → The difference between a pre-approval and a...
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18: 5 Ways To Pay Off Your Mortgage FASTER in 2024
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 5 key strategies on how to pay down your mortgage quicker, while also having benefits like saving on interest and eliminating consumer debt. What was discussed: → Explaining different methods of pre-payment...
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17: Bank of Canada CUTS Rate For First Time In 4 Years - What You Need To Know
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom breaks down everything you need to know about the Bank of Canada's rate decision on June 5th, 2024. There's a lot of misconception out there on how the rate cut impacts borrowers, and overall market expectations....
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16: Using your FHSA to Build CRAZY Wealth
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares an advanced wealth building strategy ("Hack the FHSA") you can do by combining your First Home Savings Account (FHSA), with a Hold Co., if you're planning to add multiple properties to your portfolio.…
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15: Attention Parents: Charge Your Child Rent
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares the reasons why you should be charging your adult kids rent, the lessons it will teach them, and how it can set up their financial future. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email us→...
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14: A Huge Market Opportunity
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares a huge market opportunity that's happening right now thanks to the capital gains tax, and how you can take advantage of it for less money than you think. *** MORTGAGE INQUIRIES 📞 Book a Call 📧 Email…
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13: How Much Can I Expect to Spend On a Million Dollar Home?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares how he and Brandon pre-approve clients by making a customized budget, and how much it would actually cost to purchase a million dollar home in Canada. What was discussed: → Breaking down the mortgage down...
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12: Canada Proposing Increased Capital Gains - What You Need To Know
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon break down the new proposed increase in capital gains taxes set to come into affect in June (if it passes), and provide an example to help this make sense to the average Canadian. What was discussed: →…
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11: *NEVER* Do These 10 Things When Getting a Mortgage
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon share 10 things you should absolutely never do when getting a mortgage, because they will affect your application in a negative way. What was discussed: → Making big purchases or opening new forms of...
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10: Bank of Canada Holds Rates Steady - When Will We See Rate Cuts?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon explain the recent Bank of Canada Announcement which held the variable rate, meaning still no cuts this year after multiple increases since the pandemic. What was discussed: → Why we haven't seen any…
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9: Mortgage Mistakes Canadians Need to Avoid
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 5 common mortgage mistakes that cost individual Canadians thousands of dollar a year, and how you can avoid these pitfalls. What was discussed: → Paying off your mortgage and locking into too long with…
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8: Should You Wait to Buy a Home? 3 Things to Consider
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares 3 things to consider if you're sitting on the fence and waiting to buy, and if now could be the right time for you. What was discussed: → Normal range of fixed rates. → Shrinking your debt. → Maximizing...
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7: Adjustable vs Variable Rate Mortgage | What’s Best?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon explain the differences between two types of variable rate mortgages, adjustable and static, and what you need to consider when choosing them. What was discussed: → What adjustable rate mortgages are. →...
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6: Should You Declare More Income to Qualify With the Banks?
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom & Brandon discuss if you should be declaring more income as an entrepreneur in order to qualify for a traditional bank mortgage, or less in order to pay less in income tax. What was discussed: → The differences...
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5: MORTGAGE BROKERS EXPLAIN: How to Have the Best Credit Score
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom discuss what it takes to have sparkling credit. Let this episode be your go-to resource for all things related to your personal credit. What was discussed: → Different factors that influence your…
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4: Biggest Mistakes Real Estate Investors Make with Their Taxes, with Tax Expert Cherry Chan
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom and Brandon are joined by Cherry Chan, CPA. Cherry is the Founder of Real Estate Tax Tips from Oakville, Ontario, a dedicated accounting practice for real estate investors, property managers, contractors…
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3: Renewing Your Mortgage In Canada - 4 Tips
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 4 things you should know if you're coming up for mortgage renewal in Canada. What was discussed: → When you should start planning for renewal and assessing your life goals. → Mortgages features and what…
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2: Multiple Offers? Do This To Win The Home
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares tips and tricks on how you can navigate multiple offers scenarios, and make sure you are the one who wins the house. What was discussed: → Preparation and contingency plans. → Having your home ready to...
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1: Mortgage Interest Rates In Canada | March 2024
WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares an update on Canadian interest rates for March, 2024, and the trend he sees in them. What was discussed: → How fixed and variable rates work. → Spreads on variable and fixed rates in different types of...
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ABOUT THIS SHOW
This podcast is where I teach you the strategies that actually work for building wealth in today's Canada (not what worked decades ago).
HOSTED BY
Tom Moffat
CATEGORIES
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Frequently Asked Questions
How many episodes does Modern Wealth have?
Modern Wealth currently has 36 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Modern Wealth about?
This podcast is where I teach you the strategies that actually work for building wealth in today's Canada (not what worked decades ago).
How often does Modern Wealth release new episodes?
Modern Wealth has 36 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Modern Wealth?
You can listen to Modern Wealth on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Modern Wealth?
Modern Wealth is created and hosted by Tom Moffat.
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