Modern Wealth

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

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

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

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

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

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

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

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

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

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

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

▶️ 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→ experts@northshoregroup.ca 📝 Start an Application *** CONNECT 📸 Connect on Instagram (Tom) 📸 Connect on Instagram (Brandon) 📸 Connect on Instagram (CMG) *** SAY THANKS 🙏...

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@northshoregroup.ca 📝 Start an Application *** CONNEC...

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 impact of inflation, unemployment rate, and...

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 📝 Start an Application *** CONNECT 📸 Connect on...

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 winning team of Real Estate Agent of the Year. Er...

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 📧 Email us→ experts@northshoregroup.ca 📝 S...

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 meaningless. → Asking for multiple rate holds. → The va...

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 payments. → Paying off your high interest debt to incr...

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 a Call 📧 Email us→ experts@northshoregroup.c...

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 📞 Book a Call 📧 Email us→ experts@northshoregro...

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 📸 Connect on Instagram (Tom) 📸 Connect on Instag...

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 *** CONNECT 📸 Connect on Instagram (Tom) 📸 Co...

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 much cash you actually need for closing costs i...

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 scenario of the old capital gains tax versus...