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Master Your Mortgage: What the Bank Won’t Tell You About Buying the Right Home Paperback – April 28, 2022

by Brighton Gbarazia (Author)
4.5 4.5 out of 5 stars 9 ratings
See all formats and editions
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Buying a home might be the biggest mistake of your life.

Think the bank is giving you a good deal in your mortgage? It’s time to take another look.

The mortgage process is one of the most widely accepted—yet least understood—aspects of the home-buying journey for Canadians.

In a rush of emotions, you stare at your freshly printed mortgage loan agreement, signing on all the dotted lines, perhaps without fully understanding what you’re agreeing to today, let alone the impact of your decision decades down the road. You trust the process, but what if the bank doesn’t have your best interest in mind?

In Master Your Mortgage, Brighton Gbarazia writes out of more than a decade of firsthand experience as a financial advisor and underwriter working for some of the largest banks in Canada to guide you through what they won’t tell you.

Master Your Mortgage invites you to:

  • Discover what a bank is really looking for in a mortgage application.
  • Know the difference between affording your mortgage and getting it approved.
  • Understand how banks look at your income and avoid getting in over your head.
  • Learn why frequent refinance and debt consolidation helps the bank, not you…

This isn’t a book about real estate; it’s a book for real people. Discover the financial freedom that’s within reach in Master Your Mortgage!

Previous page
  1. Print length
    234 pages
  2. Language
    English
  3. Publication date
    April 28, 2022
  4. Dimensions
    6 x 0.59 x 9 inches
  5. ISBN-10
    1777949505
  6. ISBN-13
    978-1777949501
  7. See all details
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The Amazon Book Review
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Editorial Reviews

Review

★★★★★
"Master Your Mortgage by Brighton Gbarazia is an ideal book for prospective home buyers and people in the mortgage industry. Brighton Gbarazia writes a comprehensive buyer's guide for anyone interested in a mortgage and shares tips, ideas, and tricks on how to get the best deal when you invest in real estate. How do banks operate and review an application for a mortgage? What are the dos and don'ts of mortgages?
Brighton Gbarazia shares his experiences as a real estate expert, guiding the readers on what to look for when shopping for a new home or investment property.
This informative guide is a serious but important read that doesn't hold back from the grim realities of the situation. Brighton Gbarazia shares his knowledge on spot deals that are too good to be true and how buying property without experience can place some new homeowners in a vulnerable position and at the mercy of swindlers and scams.
As an immigrant to Canada, Brighton Gbarazia shares his background in real estate, experience in dealing with banking, and his passion for helping people make well-informed decisions. The author demonstrates a clear knowledge of the industry and his commitment to helping people navigate through the process of buying a home. Throughout the book, he also shares personal experiences and situations, including a bit about his family life and the goal of helping people succeed.
I learned a significant amount about owning property and how to get the best deal. The book thoroughly covers crucial topics related to the complex world of real estate in a way that keeps the reader engaged and eager to learn about mortgages. His real-life scenarios are well integrated into the book, which makes it more interesting to read and stay engaged. The author also incorporates a sense of humor to keep the subject light-hearted at times while staying on point throughout the book.
I recommend Master Your Mortgage: What the Bank Won't Tell You About Buying the Right Home for its comprehensive coverage and personal touch in dealing with the real estate industry. This enlightening book tells you exactly what to look out for, and how to apply for a mortgage to avoid the pitfalls of hidden costs, and other issues that can arise with the responsibility of homeownership."- Literary Titan

"Exceptionally well written, organized and presented, "Master Your Mortgage" is unreservedly recommended to the attention of anyone in the process of buying a home (or any property or building) that will entail the acquisition of a mortgage." - Midwest Book Review

About the Author

Brighton Gbarazia is the CEO of Wealth Marathon with over a decade of experience working with Canada's largest banks to provide sound, straightforward financial advice to young Canadian professionals and families. Along with his experience in the banking industry, Brighton holds a bachelor of business administration from Kwantlen Polytechnic University. When he isn't talking about money, he's planning his next international trip or running in the nearest half-marathon. Learn more at www.wealthmarathon.com.

Product details

  • Publisher ‏ : ‎ Kick Start Publishing Inc (April 28, 2022)
  • Language ‏ : ‎ English
  • Paperback ‏ : ‎ 234 pages
  • ISBN-10 ‏ : ‎ 1777949505
  • ISBN-13 ‏ : ‎ 978-1777949501
  • Item Weight ‏ : ‎ 12.3 ounces
  • Dimensions ‏ : ‎ 6 x 0.59 x 9 inches
  • Customer Reviews:
    4.5 4.5 out of 5 stars 9 ratings

About the author

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Brighton Gbarazia

Brighton Gbarazia

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Brighton Gbarazia is a financial and real estate expert with over a decade of experience working as a financial advisor and mortgage underwriter for some of Canada's largest banks and credit unions, including Scotiabank, CIBC, and Prospera Credit Union. He founded Wealth Marathon to empower individuals with the knowledge and tools to make informed financial decisions and take control of their financial future.

Through Wealth Marathon, Brighton offers financial courses on buying a home, creating wealth while renting, investing, and other educational videos to help people put their money to work. He aims to help people become financially literate and avoid unnecessary financial stress.

In addition to his banking industry experience, Brighton holds a Bachelor of Business Administration from Kwantlen Polytechnic University. Originally from Nigeria, he now resides in British Columbia. When he's not discussing finances, Brighton enjoys travelling and running half-marathons.

Customer reviews

4.5 out of 5 stars
4.5 out of 5
9 global ratings

Top reviews from the United States

There are 0 reviews and 1 rating from the United States

Top reviews from other countries

Sue
5.0 out of 5 stars So much useful information!
Reviewed in Canada on April 29, 2022
Verified Purchase
This book is a fantastic resource for anyone thinking about home ownership and getting a mortgage in Canada. There is a lot of information that I did not know! How a mortgage application involves so much more than just your credit rating. Or how it is often wise to not take the full amount one might qualify for. Mr. Gbarazia has deep understanding and insight from working within the banking and mortgage loan industry, yet I felt like he was on my “team” and freely sharing his knowledge and insider tips. I really enjoyed his engaging writing and the many personal experiences he shares. There is a lot of information but it is concisely and clearly presented. And I really connected with the wisdom that shines through it all. For example, he writes "...take the information you’ve learned in this book and ensure the mortgage you get doesn’t prevent you from doing the things you enjoy.”
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Brian Taylor
5.0 out of 5 stars Easy to read with great information
Reviewed in Canada on April 29, 2022
Verified Purchase
As a prospective home buyer the mortgage process has always been the most daunting. How do you GET approved? How do you know you're getting the best deal? Whats the true cost of a mortgage? This book has it all. It's layed out for an easy to read, easy to understand, one stop shop that answered all of my mortgage questions and I feel much more prepared when we start looking at homes and start talking to lenders. Highly recommended to anyone who is a first time home buyer. It provides great insight to help you prepare yourself both financially and emotionally before making the biggest purchase of your life. Great read!
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Bob Woolsey
5.0 out of 5 stars Tips and tricks to keep in mind for the most important purchase of your life
Reviewed in Canada on April 28, 2022
Verified Purchase
This was the book I needed. In this interest environment, it was very important to me to know as much about the mortgage industry before I renew my mortgage. When one is locking into a loan worth hundreds of thousands of dollars, the more insider tips and tricks one knows, the better position one will be in. I have never thought of my home as anything but an investment. Through Brighton's book, I am able to separate out what is emotional and what is rational. Thanks Brighton for all the knowledge. I highly recommend anyone, even seasoned homeowners, to read this book.
One person found this helpful
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Michelle McGarvey
5.0 out of 5 stars Tips I never knew about
Reviewed in Canada on May 4, 2022
Verified Purchase
A very well written and well thought out book that anyone who is looking for a home, can pick up and learn valuable information. This book provides great insight and background knowledge the average person might not know about. With the housing market the way it is and the lack of knowledge people have regarding this topic coming out of high school/post secondary, take all the help you can get - and this book has it.
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Bel
5.0 out of 5 stars Very informative!
Reviewed in Canada on August 9, 2022
Verified Purchase
A great book for beginners and for those who are starting their home buying journey. It’s a very engaging, informative and well thought out book since it has both personal and professional experiences. Upon reading, it gave me a new perspective on home buying.
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