Brandon Love & Tom Moffat

Commission Breath | For Mortgage Brokers & Loan Officers

Business EN ↓ 116 episodes

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 the listener taking away something they can implement in their business right away.

Author

Brandon Love & Tom Moffat

Category

Business

Latest episode

Aug 25, 2025

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Episodes

66: How to Make More Per File (5 Tips) 17.10.2024

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 MPP would've helped specific files. → Volume...

65: Should You Merge Businesses with Another Broker? 08.10.2024

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 more about their background and experience mergin...

64: There's 90 Days Left in 2024, Focus on These Things 01.10.2024

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 should focus on problems, not solutions. → And p...

63: Industry's Best Kept Secrets, Succeeding as a Broker in Today's Market, and More with Ryan Wiley 24.09.2024

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 while working only 12 hours a week. Ryan is also t...

62: Our Hot Take on Social Media, Targeting Financial Advisors & Getting Lean 17.09.2024

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 execution. → Approaching more FAs (Financial Ad...

61: Get Back Your Mortgage Mojo 10.09.2024

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 event and surrounding yourself with positive in...

60: How to Survive the Banks Eating Our Lunch (3 Paths to Take) 03.09.2024

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 value adds you can implement in your business....

59: The Importance of Conferencing, Surviving as a Broker, & More with Dustan Woodhouse 27.08.2024

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 brokers nationwide by CMP magazine. He then spent...

58: 3 Common Traits of High Producers 20.08.2024

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 focus and staying on task until it's complete, avo...

57: Find Deals TODAY By Leveraging Mortgage Penalties with Matt Imhoff 12.08.2024

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 Brokers to master prepayment penalties and becom...

56: From 5 to 14 Loans a Month - Leveraging Advanced Mortgage Strategy with Zac Lofeudo 06.08.2024

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 into Rental Cash Damming, which has allowed him to...

55: Funding $46M/Year Within His First 3 Years in the Mortgage Biz with Jeff Mudrick 30.07.2024

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 referral partners.   Jeff is here to discuss: → The le...

54: This One Activity Will Have the BIGGEST Impact on Your Mortgage Business 23.07.2024

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, and conversion rates. → Tracking files funded,...

53: 2 Emails You Can Send NOW That Will Get You Leads (FREE Download) 16.07.2024

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: → Where the idea for these emails came from an...

52: How to Close More Renewal Business with Jill Moellering 09.07.2024

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 training courses, helping mortgage professionals acr...

51: You Reap What You Sow 02.07.2024

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 patience, persistence and resilience. → Continuous le...

50: A Year in Review 25.06.2024

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 their "scorecard" to create internal competitio...

49: This One Skill Will 10x Your Business 18.06.2024

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 other content creators. ***   TANGO ONTARIO 🚀...

48: Own Summer 2024 11.06.2024

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 success over immediate monetary gains can lead...

47: Takeaways From the StrategyHub Renewal Bootcamp 04.06.2024

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 you can compete with the banks. → Strategies tha...

46: Top 5 Client Journey Tips To Implement NOW 28.05.2024

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 on their side, and where to implement video....

45: Rate Shoppers, Events & Negronis (Mastermind Series) 21.05.2024

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 why masterminds like this are important.   Brand...

44: Broker Complete with Tom - Importance of Routine, Our Youtube/Podcast Journey, My Future Plans, and More 14.05.2024

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 listeners. → Getting back into a routine, opt...

43: What Almost All Mortgage Pros Are Doing Wrong 07.05.2024

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 having quality tools will allow you to use the...

42: 6 Mistakes We Made as New Mortgage Pros 30.04.2024

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, underwriting, and your CRM. → There is such a...

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