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Each week, Commission Breath digs into details of how mortgage brokers & loan officers can scale their business today. Each episode is focussed on being specific with strategies & tactics that work TODAY (not what worked 2, 5, or 10 years ago). Tom & Brandon are in the trenches building their own mortgage business and share what’s working for them. You’ll also hear actionable advice from other top producers in the industry while each interview is built off of 1 specific topic, resulting in t ...
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Canadian Mortgage Guide

Tom Moffat & Brandon Love

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Making sense of mortgages & real estate in Canada. We (Tom & Brandon) run a boutique mortgage team in Ontario, Canada and are here to share our knowledge & experience. We turn complex topics into simple, digestible podcasts that have no fluff, no bs, and are straight to the point. What you can expect from our show: - Market updates & insights - How to get the best mortgage - Tips on how to buy your first home, move up the property ladder, or become a real estate investor.
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For Canadian Entrepreneurs Seeking Financial Freedom. As a business owner, your path to financial freedom may look different than the average Canadian. The Invested Entrepreneur explores in depth discussion on Real Estate, Business, Taxes and Investing while also touching on Mindset, Health and Daily Routines. Join Tom & Brandon, two millennial entrepreneurs as they share their personal journey to Financial Independence.
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The Business of Cricket podcast features in-depth discussions with cricket's leading executives about pressing issues facing the sport. We give you an insider's view into the people, deals and organizations that drive the cricket world. Our guests include ICC and national governing board leaders, T20 franchise owners and executives, sponsors, broadcasters, agents, coaches, players and other people doing important and interesting things in cricket. If you want to learn more about what drives ...
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America’s Major League Cricket has exploded onto the global cricket scene. And one of its most fascinating franchises is the San Francisco Unicorns. Led by Head Coach Shane Watson and a star-studded squad including Pat Cummins, Haris Rauf and Finn Allen, they were the runners-up in the 2024 tournament. They’ve also created a unique brand and cultur…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are at their first MPC conference in Montréal! They give their highlights and what they've learned from the event, and also a tip backed by a big win Brandon's had with a process change. Brandon and Tom discuss: → The multiple paths and structures Broker…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares a very timely strategy that you can use to find refi deals on fixed rate mortgages. This opportunity will come and go quickly, so get on it right now! Tom discusses: → An overview of this strategy that has been working for him and Brandon, and the lightbulb m…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share 5 tips on how you can get more approvals in less time from lenders, making your business more quick and efficient, and also impressing clients. Brandon and Tom discuss: → The importance of where and why you place your files with a certain lender, a…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share 5 ways that you can make more money per file, including ways you can make more money immediately, and opportunities you can find within the file itself. Brandon and Tom discuss: → The benefits of MPP for certain client avatars and examples of where…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share some of the pros and cons of starting a mortgage team, and a few different models that could work for you if you're looking to create a business partnership. And as a bonus, they are also interviewed by industry titan Jason Henneberry, to share mor…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share what you should be focusing on in the final quarter to finish 2024 strong, and start 2025 off right. Brandon and Tom discuss: → Assessing your business and where you need to improve for next year. → The lifetime value of your actions and why you sh…
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Finn Bradshaw, the ICC’s Head of Digital, has one of the most high impact jobs in all of cricket. He oversees the ICC’s massive social channels, website and digital platforms, and reports directly to the ICC’s CEO. So he’s perfectly positioned to help grow the sport’s global audience and revenues. And fortunately for the cricket world, Finn and his…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Canadian mortgage titan Ryan Wiley. Ryan is a Co-Owner of Strategy Hub from Kelowna, BC, and a Co-Founder of The VIP Club. Ryan spent 15 years being a Mortgage Broker, and refined his business to do tens of millions of dollars in volume whi…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share what they've been up to lately with hot takes on 3 topics that they'll be focusing on moving forward in their businesses. Brandon and Tom discuss: → What's happening in regards to social media, and the changes they've made in their philosophy and e…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares how being down on yourself will have an impact on your business, and what you can do to get your confidence back. Brandon discusses: → Reframing your mindset and reminding yourself of your "why". → Changing your inner circle and your scenery. → Going to e…
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Boundaries North is one of the most innovative and exciting organizations in the cricket world today. It’s a private company that formed a partnership with Cricket Canada in 2023 to monetize their full set of commercial rights – sponsorship, broadcast and merchandising. In this week’s podcast we spoke to CEO Rahul Srinivasan: a former Canadian yout…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 3 different pathways Brokers should be looking at taking if you want to survive long-term in this business, as it is nearly impossible to compete with the banks on rate and too many files are being lost to them. Tom discusses: → Increasing your lead flow and …
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Canadian mortgage industry titan Dustan Woodhouse. Dustan is the Founder of Be a Better Broker Inc. from Vancouver, BC, who spent 10 years as a Broker, funding 1,695 mortgage files ($775 million), and was consistently ranked among the top b…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share 3 traits they see in high producers from conversations they've had across their 3 podcasts. These are common themes not just in the mortgage industry, but all industries. Brandon and Tom discuss: → Keeping Your Business Simple - Narrowing your focu…
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The MAX60 T10 tournament launched on Sunday, August 18 in the Cayman Islands featuring stars such as David Warner, Chris Lynn, and Thisara Perera. It’s the brainchild of Dario Barthley, cricket administrator and promoter in the West Indies, and CEO of BMP Sports, which owns MAX60. Dario is best known throughout the cricketing world as the former Me…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Matt Imhoff. Matt is the CEO and a Mortgage Broker at Meticulous Mortgage Solutions Inc. from Vancouver, BC, and is also a expert when it comes to mortgage penalties. Now a Prepayment Penalty Mentor, Matt has trained and supported over 300 …
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Tim Wigmore, Deputy Cricket Correspondent for the Daily Telegraph, is a highly celebrated English journalist and author. He has co-authored several best-selling cricket books, including Cricket 2.0, which was Wisden’s book of the year in 2020. Tim joined us on our podcast to talk about the state of cricket in general and English cricket in particul…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Zac Lofeudo. Zac is a Mortgage Agent from Toronto, Ontario, who has over four years of experience to the mortgage industry and quickly emerged as a prominent mortgage broker nationwide. Zac has managed to increase his business by niching in…
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"The Labor Movement was the principal force that transformed misery and despair into hope and progress.” – Martin Luther King Jr. “With all their faults, trade unions have done more for humanity than any other organization of men that ever existed.” – Clarence Darrow Many cricketing nations have domestic professional players’ associations, such as …
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are re-joined by Jeff Mudrick. Jeff is a Mortgage Agent from Newmarket, Ontario, who's built his business to over $100M in volume over the past 3 years. Jeff has been able to scale quickly by keeping things simple and successfully diversifying his referr…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share the metrics you need to be tracking in your business, how to track them, and breaking down best practices so you are able to use this business compass quick and efficiently. Brandon and Tom discuss: → Why and how to track leads, referral partners, …
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Lord’s Taverners is one of the most prominent cricket charities in the world. Membership is by invitation only and the 5,000 members include prominent sports, entertainment and society figures such as Sir Michael Parkinson, Sir Alastair Cook, Sir Andrew Strauss, Greg James, Miles Jupp, Dame Tanni Grey-Thompson, Jonathan Agnew and Mike Gatting. King…
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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 INQUIRIES 📞 Book a Call 📧 Email us→ experts@northshore…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares 2 different emails they recently sent out to their database and Realtor partners that have so far resulted in 22 leads looking for mortgage transactions in the very near future, as well as a link to download the email templates yourself FOR FREE! Tom shares: …
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Cricket is a high pressure sport and environment. Fans don’t see it, but many cricketers experience anxiety, depression, stress and its side effects. Until recently, they mostly suffered in silence, but on a positive note, the culture has been changing. On the first episode of our newly-launched business of cricket podcast, we wanted to focus on th…
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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, the bond market, and the overnight prime rate. → The …
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are joined by Jill Moellering. Jill is a Mortgage Broker at Mortgage Architects from Edmonton, Alberta, who's won many industry awards and mentors Mortgage Agents across Canada. Jill is also a creator and educator with The Mortgage Nerd underwriting trai…
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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 📞 Book a Call 📧 Email us→ experts@northshoregroup.ca 📝 S…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon highlights key takeaways from his previous farming business that have been useful in his mortgage business, and how they can help if you have been stalled in your business. Brandon discusses: → The time it takes to nurture client relationships, requiring patienc…
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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 Toronto area to achieve wealth and are the four time…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom hit their milestone 50th episode, and 1 year of podcasting! They share the year in review on what's worked, what hasn't, where they're headed, mindset, and everything in between. Brandon and Tom discuss: → Podcasting, the grind of content creation, and t…
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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 Call with Brandon *** MORTGAGE INQUIRIES 📞 Book a Call …
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares a skill that impacts almost every aspect of your business, but is often overlooked without attention to nurture it properly. Tom discusses: → Where you can use this skill and why it's so important. → Tips to improve this skill. → And how you can learn from ot…
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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 pre-qualification, and why pre-qualifications are meaning…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon highlights some things you can apply to your life and business to make the most out of summer in 2024. Brandon discusses: → Making time for fun activities with family and friends can actually benefit your work-life balance and productivity. → Focusing on client …
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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 privileges including accelerated and lump sum paymen…
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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. Tom simplifies it all! *** MORTGAGE INQUIRIES 📞 Book …
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon shares his takeaways from attending the StrategyHub renewal bootcamp that was held in Toronto, hosted by Ryan Wiley, Jason Henneberry, and Jill Moellering. Brandon discusses: → The amount of Canadian mortgages coming up for renewal in the next 2 years and how yo…
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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. 📞 Book a Call with Brandon *** MORTGAGE INQUIRIES 📞 Bo…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom shares his top 5 tips to building a solid client journey that will not only wow your clients, but get you more leads and referral partners along the way. Tom discusses: → The 17(!) steps they have in their client journey, including setting milestones for the clients…
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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→ experts@northshoregroup.ca 📝 Start an Application *** CONNECT 📸 Con…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom are together at the cabin where they're doing another mastermind session. They share where they're at now with their business and what's going on in the market today, reflecting if they completed the tasks they wanted to since their last mastermind, and …
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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 us→ experts@northshoregroup.ca 📝 Start an Application **…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Tom debuts a new episode format called "Broker Complete", where he talks about a bunch of different topics that don't normally get covered in a regular, deep dive episode. Tom discusses: → What led to trying this new episode format and the feedback he's looking for from…
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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 payment, amortization, rate, and property taxes. → How…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share why it's really important to invest in different areas of yourself and your life, so you can continue to grow both personal and professionally. Brandon and Tom discuss: → Investments they've made to their business like training and coaching. → How …
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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: → How the new capital gains tax will work. → An example …
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share the top 6 mistakes they made in their first years as mortgage agents, so hopefully you can get better, quicker. Brandon and Tom discuss: → Where you should be spending most of your time and planning your day around. → Time suck areas like training,…
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WATCH ▶️ Watch this episode on Youtube *** EPISODE DESCRIPTION In this episode, Brandon and Tom share how you can make it easier for people to refer you, weather that be partners or clients. Brandon and Tom discuss: → Simple ways to look more professional like your contact card, email templates, and calendar links. → Making sharable social media co…
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