Episode Overview

If you’ve ever wondered how to buy your first home in Toronto or what a mortgage broker actually does, this episode is a must-listen.

Toronto Realtor® Anya Ettinger sits down with Jacob Manishevitz, a mortgage broker and long-time friend, to break down the mortgage process in simple, practical terms. From pre-approvals and deposits to rate shopping and renewals, Jacob shares insider knowledge that helps buyers save money — and stress.

Whether you’re a first-time buyer navigating the stress test, an investor looking for better rates, or just want to understand how lenders think, this episode gives you the clarity you need to make smarter mortgage decisions in the Toronto real estate market.

What You’ll Learn

1. Pre-Qualification vs. Pre-Approval

Understand the difference — and why it matters before you start house hunting.

2. Deposits and Down Payments

How much do you really need upfront? Jacob breaks down what buyers often overlook.

3. Why Work with a Mortgage Broker

The advantages of working with a broker vs. walking into your local bank.

4. Finding the Best Mortgage Rates

Which lenders are offering the most competitive rates in 2025 — and why flexibility matters more than a few basis points.

5. Power of Sale, Renewals & the Stress Test

How to prepare for renewals, navigate power of sale properties, and pass the government’s mortgage stress test.

Who Should Listen

This episode is for:

• First-time homebuyers navigating financing in Toronto

• Real estate investors looking to optimize lending terms

• Homeowners facing renewal or refinancing decisions

• Agents who want to better guide their clients through mortgage approvals