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Many homeowners who bought or renewed their mortgage in 2021 or 2022 are now entering a completely different financial environment. In this episode, we break down what homeowners in Ontario and Toronto need to know as mortgage renewals approach during a higher-rate market. We discuss: • rising mortgage payments • fixed vs variable renewal realities • falling home values and reduced equity • why waiting until the last minute can be risky • what lenders may review at renewal • refinancing and restructuring options • strategies to reduce monthly payment pressure • ways homeowners may be able to pay off their mortgage faster and more strategically We also explore the emotional side of mortgage stress and why proactive planning matters more than ever. Whether your renewal is coming in a few months or within the next year, this episode will help you understand your options and prepare with clarity instead of panic. If you’d like to review your own mortgage situation or renewal options, feel free to reach out directly.4168549604

Global conflict doesn’t stay on the news—it impacts your mortgage. In this episode, I break down how war affects oil, inflation, and interest rates in Canada, and what that means for you as a homeowner or buyer. Plus, a personal story and a deeper perspective on protecting your financial future in uncertain times. https://www.instagram.com/maria.ghaderi?igsh=YnQ0aDJ3bmpxdXlt&utm_source=qr

Here is the truth no one talks about: 👉🏽 Wealth without protection is one decision away from becoming a liability. In this episode, I’m sharing the legal blind spots most people overlook — from unfair contracts, tenant disputes, identity theft, to the crucial importance of having your will and power of attorney in place as a homeowner. You’ll learn: ​ The legal risks that come with owning real estate and running side hustles​ What it really means to protect your assets and legacy​ The simple, affordable service I use to stay covered — without paying $300/hr to a lawyer This is the protection most people wish they had — after it’s too late. 🛡️ It’s time to stop just building wealth… and start protecting it. 👇🏽 For personalized info or questions, DM me on Instagram @MariaGhaderi with the word “Justice” — I’ll send you everything you need to stay empowered and covered.

Is it the right time to buy a home — or should you keep renting? In this soul-led episode, I, Maria Ghaderi, guide you through one of the most common and energetically charged questions in today’s real estate market — especially for first-time buyers navigating rising costs, uncertainty, and big dreams. We’ll explore: ✨ The energetic difference between renting and owning ✨ How to choose aligned property based on your vision, not just the market ✨ Real strategies to bridge the affordability gap — including house hacking, government programs, and creative income solutions ✨ The deeper, inner work of becoming a homeowner (and why most foreclosures have nothing to do with money) Whether you’re just beginning to think about homeownership or you’re actively searching, this episode blends practical insight with spiritual strategy to help you make a decision that honors both your finances and your nervous system. Because buying a home isn’t just a financial decision — it’s a frequency shift. 💫 Let’s align your vision with divine timing — and build the bridge home. Follow me on instagram

وقتی شرایط سخت می‌شه، وقتی چیزی از کنترلت خارجه یا اون‌طور که دوست داری پیش نمی‌ره… به‌جای مقاومت کردن، باهاش بازی کن. باهاش مهربون باش. بخند. ازش فرار نکن. چون وقتی تو انتخاب می‌کنی که با شادی و آرامش از دل سختی رد بشی، اون سختی خیلی زودتر تموم می‌شه.” و واقعاً این حرف برای من تو این روزها بیشتر از همیشه معنی پیدا کرده — مخصوصاً با شرایطی که الان توی دنیا داریم. این روزها خیلی از مردم‌مون توی سخت‌ترین لحظات زندگیشون هستن. جنگ، فشار، ترس، بی‌عدالتی… و ما نمی‌تونیم همیشه بیرون رو کنترل کنیم. اما یه چیز همیشه دست ماست: واکنشِ درونمون.

توی این اپیزود شخصی و کاربردی، داستان واقعی منو از اولین تجربه‌ی تلخ خرید خانه در کانادا می‌شنوی—و اینکه چطور اون تجربه منو به مسیر خدمت‌رسانی در دنیای وام‌های مسکن و ثروت‌سازی آورد. برات توضیح می‌دم که چطور می‌تونی به جای خریدن یه خونه‌ی پُر استرس، انتخابی کنی که با وضعیت مالی و آینده‌ی رویایی‌ت هماهنگ باشه. از استراتژی‌های کاربردی بگیر تا نگاه انرژی‌محور به پول و مالکیت—این اپیزود ترکیبیه از منطق، قلب، و آگاهی کوانتومی. برای هر کسی که دنبال خونه‌ی اولشه یا به دنبال ساختن ثبات مالیه، این اپیزود یه قدم نجات‌بخش خواهد بود اگر این اپیزود برات مفید بود، لطفاً با کسی که تو مسیر خرید خانه‌ست به اشتراک بذار. برای مشاوره‌ی شخصی یا همراهی در مسیر مالکیت خونه‌ات، می‌تونی از طریق لینک‌های داخل بیو با من در تماس باشی. پادکست رو دنبال کن تا اپیزودهای بعدی درباره‌ی وام، پول، و ثروت‌سازی از درون رو از دست ندی. شماره تماس +1(416)854-9604

In this heartfelt reintroduction episode, I open up about my personal homeownership journey—how a painful first experience shaped my mission today as a mortgage agent, wealth strategist, and financial advisor. I share the biggest lessons I’ve learned, and what I believe every first-time homebuyer needs to know to avoid overwhelm, protect their finances, and create long-term wealth through real estate. Whether you’re buying your first home or supporting someone who is, this episode will ground you in strategy, empower you with insight, and introduce a holistic approach to wealth—one that blends practical mortgage advice with energetic alignment. Let’s build wealth from the inside out.

In this episode, I reintroduce myself as a Wealth Strategist, Mortgage Agent, and Financial Educator, sharing how my journey in coaching and personal development has expanded into the world of mortgages and wealth-building. I’ll be guiding you through the practical side of money—mortgages, real estate, credit, and financial systems—while staying grounded in soul-aligned abundance and empowered money mindset. Whether you’re a first-time homebuyer, a self-employed entrepreneur, or someone looking to grow generational wealth, this podcast will offer clarity, strategy, and inspiration. I’ll also share a sneak peek into my upcoming English and Farsi courses on wealth creation, so stay tuned!

Sharing what have I been doing in the past 16 months and why am I back!

Something happens and source makes its connection to you. Some call it download, some might call it channeling.. here how it can happen.

In this episode I explain why and how I got into spiritual world to have access to eternal and how I’m building communities with high vibes language to have access to eternal. Connect to join me in different communities by msging me on instegram: Maria.Ghaderi or fb: Mariaghaderii

In this episode I share with you how to connect to eternal world to create a beautiful life and business. Connect with me on Instagram: Maria.Ghaderi or Facebook: mariaghaderii

This interview was recorded in 2015 end it is download it from MLM nation podcast 88

In this short podcast I share with you few triggers this pandemic brought to the surface which might or might not be the same for you.

On this first episode you learn a bit about me and I added some money affirmations and tangents that I created in 2017 and use on daily bases! Enjoy..