The Rant

The VINE Rant: Choosing your Real Estate Lawyer & Accountant

An episode of The Rant

By Kaitlyn Ridout
This is The VINE Rant, a weekly discussion and perspective on what's new and going on in the Canadian mortgage industry.
Available on 10 platforms
The VINE Rant: 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
The VINE Rant: 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 7, 2019
The VINE Rant: 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
The VINE Rant: 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
The VINE Rant: 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 3, 2018
The VINE Rant: 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 VINE Rant: 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 VINE Rant: 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
The VINE Rant: 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 5, 2018
The VINE Rant: 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
The VINE Rant: 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
The VINE Rant: 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
The VINE Rant: 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
The VINE Rant: IFRS 9
VINE Group Partners explain what IFRS 9 means and how the changes will affect the mortgage industry in Canada.
October 1, 2018
The VINE Rant: Quality vs. Quantity
A word to the wise; investment properties are not a short-term transaction but a 20-year investment.
September 18, 2018
The VINE Rant: 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
The VINE Rant: Mortgage Applications
Applying for a mortgage? Here are 10 things you should't do on your next application.
September 6, 2018
The VINE Rant: 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
The VINE Rant: 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
The VINE Rant: 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
The VINE Rant: 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 8, 2018
The VINE Rant: 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 1, 2018
The VINE Rant: 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
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