The VINE Rant

45 EpisodesProduced 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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Tips for First-Time Home Buyers

June 28th, 2019

10:35

VINE Group Mortgage Agent, Lauren Pye, and Realtor, Marlow Singh of Condos.ca, discuss current real estate market trends, the importance of being …

Fixed and Variable Rate Trends

June 19th, 2019

14:44

With the current rate trends, is this the right time for you to convert your mortgage?

Regional Lending and How It Might Impact You!

June 10th, 2019

15:29

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 …

Let's Talk About Protection...

June 4th, 2019

14:25

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.

Demystifying Your Credit Score

May 28th, 2019

15:47

Credit bureau's are not as scary as you might think!

How do we get paid? Not-so-secret insights.

May 21st, 2019

11:19

Mortgage Agents are motivated to find a solution that fits your needs, but how does that translate into payment? On this episode, VINE Partners …

Answering Your Mortgage Questions

May 13th, 2019

24:13

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 Banker to Broker

May 6th, 2019

10:44

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 …

Strategizing Your Real Estate Goals

April 30th, 2019

31:33

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 …

Back To Basics: Mortgage Application Tips

April 22nd, 2019

18:32

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 …

What Exactly Do We Do? A Look Behind the Curtain.

April 15th, 2019

19:03

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 …

Let's Talk About Being Self-Employed

April 9th, 2019

11:55

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 …

Pre-Approved? Think Again.

April 3rd, 2019

20:28

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 …

Who Are the Winners and Losers in the 2019 Federal Budget?

March 25th, 2019

24:13

While we know little details surrounding the 2019 Federal Budget, we are a little apprehensive as to whether the first-time home buyer initiative …

It's Easier to Pay More for Your Mortgage

March 19th, 2019

13:25

As we see rates continue to drop heading into the spring market, we explore a few different theories as to why this is happening. 

Insights for First-Time Buyers

March 11th, 2019

21:44

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.

Return of the 38 Year Amortization?

March 4th, 2019

19:17

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. 

Suite'n' Up Your Rental!

February 25th, 2019

19:59

Have you ever thought of building a secondary suite to earn an additional income?

Andy Tran, Consultant and Educator from Suite Additions give us …

Give Us a Topic

February 13th, 2019

24:15

Watch what happens when we ask our staff to provide us with mortgage topics at random.

Let's Talk Toronto Real Estate

February 5th, 2019

26:00

Whether you are buying, selling or investing in your first rental property, the Toronto real estate market is still growing - but with limited supply …

Determining Rates

January 29th, 2019

17:19

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 …

Reverse Mortgages

January 21st, 2019

17:31

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 …

Real Estate Predictions for 2019

January 14th, 2019

20:17

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 …

Private Lending (Part 2)

January 7th, 2019

16:44

Continuing our discussion on private lending with Joseph Fooks and Lawrence Schwartz from JV Capital, they explain how technology has helped them …

How Bond Yields Affect Mortgage Rates

December 19th, 2018

14:08

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 …

Private Lending (Part 1)

December 10th, 2018

15:46

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 …

How to Qualify for a Mortgage After Being Laid Off

December 3rd, 2018

13:18

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 …

Lender Conditioning

November 27th, 2018

21:11

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 …

The Future of Mortgage Brokering

November 20th, 2018

22:08

Following last week’s passionate conversation surrounding the future of mortgage lending, we brought in Vine Group’s Regional Director & Mortgage …

The Future of Mortgage Lending

November 13th, 2018

18:21

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 …

New Construction

November 5th, 2018

15:49

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 …

Retrofit and Legal Rentals

October 29th, 2018

27:26

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.

Lets Talk About Rates (Part 2)

October 22nd, 2018

14:08

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.

Lets Talk About Rates (Part 1)

October 18th, 2018

13:14

The days of rates being below 3% are gone, so what's next? Will history repeat itself?

Industry Perceptions

October 11th, 2018

12:36

Our Director of Operations, Kaitlyn Ridout join us to share an outsider's perspective on the mortgage industry and perceptions of a Mortgage Agent.

IFRS 9

October 1st, 2018

18:22

VINE Group Partners explain what IFRS 9 means and how the changes will affect the mortgage industry in Canada.

Quality vs. Quantity

September 18th, 2018

20:03

A word to the wise; investment properties are not a short-term transaction but a 20-year investment.

September Market Update

September 11th, 2018

18:17

The kids are back to school and we're back to work. Time for a market update on this week's VINE Rant.

Mortgage Applications

September 6th, 2018

20:37

Applying for a mortgage? Here are 10 things you should't do on your next application.

Choosing your Real Estate Lawyer & Accountant

August 29th, 2018

31:51

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. 

Rental Properties & Financing

August 23rd, 2018

15:11

As the market slows down in August, we decide to take a moment to discuss the changes in real estate investment financing.

Traditional Banks vs. Monoline Lenders

August 16th, 2018

12:14

VINE Group Agents Carrie Lee and Richard Tartaglia join us to discuss traditional banks versus monoline lenders and the challenges, misconceptions, …

Insured? Insurable? Uninsurable?

August 8th, 2018

17:15

VINE Group Partners Hugo Dos Reis and Christopher Darwiche touch on pre-approvals, secondary homes, and the difference between insured, insurable, and uninsurable. 

Bank of Canada Rate Increase

August 1st, 2018

23:23

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, …

Choosing an Investment Property

July 31st, 2018

37:02

Matthew Lee, Founder & Head of Business Development from Volition Investment Properties joins us on this week's panel to discuss cash flowing …

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