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The VINE Rant

The VINE Rant

By Vine Group - Mortgage Alliance
This is The VINE Rant; a weekly unfiltered discussion on what's new and going on in the Canadian mortgage industry.
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Private Lending (Part 1)

The VINE Rant

The VINE Rant: Negative Interest Rates
Negative interest rates? VINE Group Partners are back on the RANT discussing everyone’s favourite topic: Interest Rates! The Partners share the thoughts on global rate trends and where they think Canadian mortgage rates are headed in the near future. !TR54V
September 24, 2019
The VINE Rant: Zeifmans Real Estate Accounting
Zeifmans is a full-service tax, accounting and business consulting firm based in Toronto, Canada. David Posner (Zeifmans Partner) and Jonah Bidner (Zeifmans Senior Canadian Tax Manager) visited VINE Group's office to discuss accounting tips for real estate investors and trends they are seeing through their experience. Big shout out to these rockstar accountants!  Great ideas. Positive impact. That's Zeifmans. 
September 24, 2019
The VINE Rant: Toronto Real Estate Trends
VINE Group’s Jason John and Justin Chang, Sales Representative from The Connexus Group at ReMax Hallmark Realty Ltd. have a chat about the pressures and opportunities for first time homebuyers, real estate trends and pre-construction properties in Toronto.  !TR51V
September 24, 2019
The VINE Rant: Broker vs. Branch
Johnson Andrews and Rahul Saggu discuss how client experience might differ if you walked into a branch seeking financing vs. building a relationship with a VINE Group Mortgage Professional to find a customized solution. !TR50V
September 24, 2019
The VINE Rant: Mortgage Rules - The Great Debate Continues
Passion prevails as we revisit the great debate: Canadian mortgage rules and qualifying for financing in 2019. (!TR49V)
September 24, 2019
The VINE Rant: What's involved in being a Mortgage Professional?
Being a mortgage professional often means helping someone make the biggest purchase of their life: their home. Johnson and Chris discuss the different skills that help them, as VINE Group agents, take a holistic approach toward reviewing a client’s portfolio. (!TR48V)
September 24, 2019
The VINE Rant: Unlocking Equity in Your Home
There’s a lot of value in leveraging your home to unlock equity. A mortgage with a home equity line of credit (or HELOC) is a great way to keep the mortgage that you’re paying down, while still maintaining access to a large sum of money through a HELOC. See what else your mortgage can do for you by scheduling a call with one of our agents.    (!TR47V)
September 24, 2019
The VINE Rant: Cottage Dwelling
Thinking of buying a cottage? Can short-term rental income be used to qualify for financing? We discuss cottage ownership, short-term cottage rentals and the risks that lenders assess when it comes to financing a cottage property.   (!TR46V)
September 24, 2019
Tips for First-Time Home Buyers
VINE Group Mortgage Agent, Lauren Pye, and Realtor, Marlow Singh of, discuss current real estate market trends, the importance of being pre-qualified and what first-time home buyers should expect when they begin their home buying journey.SHOW MORE
June 28, 2019
Fixed and Variable Rate Trends
With the current rate trends, is this the right time for you to convert your mortgage?
June 19, 2019
Regional Lending and How It Might Impact You!
We all know the lending landscape can change very quickly. Lenders are looking closely at regional properties that rely on rental income, due to concerns that rents may be dropping and vacancies may be on the rise. We take a look at how this might impact investors and primary homeowners alike.
June 10, 2019
Let's Talk About Protection...
Like watching paint dry, insurance isn't the most interesting topic of conversation but definitely something that is important when it comes to protecting you and your family.
June 04, 2019
Demystifying Your Credit Score
Credit bureau's are not as scary as you might think!
May 28, 2019
How do we get paid? Not-so-secret insights.
Mortgage Agents are motivated to find a solution that fits your needs, but how does that translate into payment? On this episode, VINE Partners Christopher Darwiche and Hugo Dos Reis provide clarity on how Mortgage Agents generate income.
May 21, 2019
Answering Your Mortgage Questions
What's the best kind of mortgage? Is it the interest rate itself or the interest you pay what matters? What are the benefits in getting a HELOC? What are prepayment penalties? We answer the most commonly asked questions from Canadians when it comes to their mortgage.
May 13, 2019
From Banker to Broker
As Mortgage Brokers, our growth potential is endless as the Canadian lending landscape is constantly changing. On this episode of the VINE Rant we brought in new agent, Lauren Pye, to share her experience on her recent transition from banker to broker.
May 06, 2019
Strategizing Your Real Estate Goals
The opportunities within real estate are endless, but it's always important to identify your goals and how you are going to get there. Through education, patience and a little bit of risk, CEO of Golden Triangle Group, Aaron Charles joins us to share his journey from Real Estate Agent to Real Estate Developer.
April 30, 2019
Back To Basics: Mortgage Application Tips
The spring market moves very quickly, and so do it’s buyers. Whether you are in the process of purchasing your first home or a seasoned real estate investor, here are some best practices on what you should know (and keep an eye out for) when completing your next mortgage application.
April 22, 2019
What Exactly Do We Do? A Look Behind the Curtain.
As experts in our industry, we dissect every client's file to see what challenges could arise before sending it to a lender for financing. While the bank still serves as an institution of influence, how well does your bank mortgage specialist know your file?
April 15, 2019
Let's Talk About Being Self-Employed
Every year, Mortgage Alliance recognizes their top performing mortgage agents from across the country by hosting a Rewards & Recognition trip. On this week's special edition of The VINE Rant filmed at the Paradisus in Cabo San Lucas, Mexico, we took a moment to discuss our individual transitions into mortgage brokering and being self-employed individuals.  
April 09, 2019
Pre-Approved? Think Again.
Recently we’ve encountered many clients who’ve come to us with “pre-approval” letters from their bank stating what they can quality for and the rate available to them. While this is great way for the bank to secure a deal, the reality is that documentation is not always collected up front so the client isn’t getting a true picture what they actually quality for. 
April 03, 2019
Who Are the Winners and Losers in the 2019 Federal Budget?
While we know little details surrounding the 2019 Federal Budget, we are a little apprehensive as to whether the first-time home buyer initiative will solve the real issue at hand. 
March 25, 2019
It's Easier to Pay More for Your Mortgage
As we see rates continue to drop heading into the spring market, we explore a few different theories as to why this is happening. 
March 19, 2019
Insights for First-Time Buyers
First time buyer? Usman Mahmood from Sotheby's International Realty joins in on the conversation with the VINE Partners as they touch on education, property trends and first-time buyer demographics.
March 11, 2019
Return of the 38 Year Amortization?
When our Senior Credit Analyst, Johnson Andrews identified a 38 year amortization loan on a client's existing mortgage, this sparked a heated conversation around lender's variable rate options. 
March 04, 2019
Suite'n' Up Your Rental!
Have you ever thought of building a secondary suite to earn an additional income? Andy Tran, Consultant and Educator from Suite Additions give us some insight on best practices and benefits on this growing trend for homeowners.
February 25, 2019
Give Us a Topic
Watch what happens when we ask our staff to provide us with mortgage topics at random.
February 13, 2019
Let's Talk Toronto Real Estate
Whether you are buying, selling or investing in your first rental property, the Toronto real estate market is still growing - but with limited supply to meet the demand. Edward Zhang from Volition Investment Properties sheds some light on turn-key investment properties, market trends, and why investors shouldn't always focus on cash-flow. 
February 05, 2019
Determining Rates
While qualifying for a low-interest rate helps you save money and pay back your debt faster, the products associated with a lower rate may not be the best fit for your current situation. Knowing your main objective and asking the right questions are essential when having a conversation about rates with your mortgage professional.
January 29, 2019
Reverse Mortgages
Over the age of 55 and need to unlock equity in your home? On this week's episode, we discuss a financial solution designed to help Canadian homeowners retire safely and securely.
January 21, 2019
Real Estate Predictions for 2019
Looking to buy or invest this year? Paul D'Abruzzo from Rockstar Real Estate gives us a recap on market trends over the past year and gives his predictions on what 2019 will hold.
January 14, 2019
Private Lending (Part 2)
Continuing our discussion on private lending with Joseph Fooks and Lawrence Schwartz from JV Capital, they explain how technology has helped them eliminate the process of manually underwriting commitments to provide investors and mortgage professionals with more efficient service.
January 07, 2019
How Bond Yields Affect Mortgage Rates
On December 18th, 2018, the Bank of Canada's 5-Year Benchmark Bond Yield broke a threshold point of just under 2%. As mortgage rates are backed by bond yields, we asked ourselves why is this happening and what does this mean for the average Canadian consumer heading into 2019.
December 19, 2018
Private Lending (Part 1)
With an increasing number of home buyers looking to private investors to help fund their mortgage, Joseph Fooks and Lawrence Schwartz from JV Capital join us for this two-part Rant to discuss the advantages and disadvantages of private equity.
December 10, 2018
How to Qualify for a Mortgage After Being Laid Off
With the recent news of GM closing its plant in Oshawa, Ontario, we wanted to discuss some alternate solutions for client's who's mortgage financing is possibly in jeopardy when they lose their job or are downsized.
December 03, 2018
Lender Conditioning
One of the biggest struggles we deal with on a regular basis is over conditioning from lenders. Vine Group's Team Lead for Alberta, Kim Nguyen joins us to share her thoughts on the current lending environment in Alberta.
November 27, 2018
The Future of Mortgage Brokering
Following last week’s passionate conversation surrounding the future of mortgage lending, we brought in Vine Group’s Regional Director & Mortgage Broker, Shannon Patterson to weigh in on the subject and how our careers as brokers may be affected.
November 20, 2018
The Future of Mortgage Lending
The future of financing is hard to predict. The mortgage lending industry is becoming much more automated, so we took a look at how this could affect qualifying through online applications and in turn, affect us as agents.
November 13, 2018
New Construction
When buying a new or pre-construction, it's very common to think this is a "guaranteed win". Many clients don't take into consideration the risk and lifestyle changes that could occur in the 2-5 years it takes to construct a new development.
November 05, 2018
Retrofit and Legal Rentals
Do you know the difference between retrofit and legal units? Simon La from My Capital Corner joins us this week to discuss which option adds more value, lender qualification and risk versus reward.
October 29, 2018
Lets Talk About Rates (Part 2)
As our conversation surrounding rates continues, the VINE Partners discuss the fear of the variable, global movement on inflation, and if the banks will change their mindset when it comes to credit.
October 22, 2018
Lets Talk About Rates (Part 1)
The days of rates being below 3% are gone, so what's next? Will history repeat itself?
October 18, 2018
Industry Perceptions
Our Director of Operations, Kaitlyn Ridout join us to share an outsider's perspective on the mortgage industry and perceptions of a Mortgage Agent.
October 11, 2018
VINE Group Partners explain what IFRS 9 means and how the changes will affect the mortgage industry in Canada.
October 01, 2018
Quality vs. Quantity
A word to the wise; investment properties are not a short-term transaction but a 20-year investment.
September 18, 2018
September Market Update
The kids are back to school and we're back to work. Time for a market update on this week's VINE Rant.
September 11, 2018
Mortgage Applications
Applying for a mortgage? Here are 10 things you should't do on your next application.
September 06, 2018
Choosing your Real Estate Lawyer & Accountant
Real estate Lawyer Manpreet Kahlon from the Legal Studio as well as Oscar Torres, Partner at Bateman MacKay LLP, join VINE Group Partners Hugo Dos Reis and Christopher Darwiche on this week's rant. 
August 29, 2018
Rental Properties & Financing
As the market slows down in August, we decide to take a moment to discuss the changes in real estate investment financing.
August 23, 2018
Traditional Banks vs. Monoline Lenders
VINE Group Agents Carrie Lee and Richard Tartaglia join us to discuss traditional banks versus monoline lenders and the challenges, misconceptions, advantages and disadvantages associated with both.
August 16, 2018
Insured? Insurable? Uninsurable?
VINE Group Partners Hugo Dos Reis and Christopher Darwiche touch on pre-approvals, secondary homes, and the difference between insured, insurable, and uninsurable. 
August 08, 2018
Bank of Canada Rate Increase
Welcome to the first episode of The VINE Rant! With the Bank of Canada (BoC) raising the benchmark rate for the fourth time in the last 12 months, on this episode VINE Group Partners David Goncalves and Hugo Dos Reis, along with VINE Group Agent, Jason John discuss client concerns on the rate hike; how to plan for future increases and pre-approvals due diligence before you put in an offer.
August 01, 2018
Choosing an Investment Property
Matthew Lee, Founder & Head of Business Development from Volition Investment Properties joins us on this week's panel to discuss cash flowing investment properties, tenants, purchase plus investments, equity and what the future holds for millennial purchasers.
July 31, 2018