The VINE Rant

The VINE Rant
This is The VINE Rant; a weekly unfiltered discussion on what’s new and going on in the Canadian mortgage industry.

Tips for First-Time Home Buyers
Jun 28 • 10 min
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…
Fixed and Variable Rate Trends
Jun 19 • 14 min
With the current rate trends, is this the right time for you to convert your mortgage?
Regional Lending and How It Might Impact You!
Jun 10 • 15 min
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…
Let’s Talk About Protection…
Jun 3 • 14 min
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 27 • 15 min
Credit bureau’s are not as scary as you might think!
How do we get paid? Not-so-secret insights.
May 21 • 11 min
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.
Answering Your Mortgage Questions
May 13 • 24 min
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…
From Banker to Broker
May 6 • 10 min
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.
Strategizing Your Real Estate Goals
Apr 30 • 31 min
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…
Back To Basics: Mortgage Application Tips
Apr 22 • 18 min
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…
What Exactly Do We Do? A Look Behind the Curtain.
Apr 15 • 19 min
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…
Let’s Talk About Being Self-Employed
Apr 8 • 11 min
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…
Pre-Approved? Think Again.
Apr 3 • 20 min
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…
Who Are the Winners and Losers in the 2019 Federal Budget?
Mar 25 • 24 min
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.
It’s Easier to Pay More for Your Mortgage
Mar 18 • 13 min
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
Mar 11 • 21 min
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?
Mar 4 • 19 min
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!
Feb 25 • 19 min
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.
Give Us a Topic
Feb 13 • 24 min
Watch what happens when we ask our staff to provide us with mortgage topics at random.
Let’s Talk Toronto Real Estate
Feb 5 • 26 min
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…
Determining Rates
Jan 28 • 17 min
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…
Reverse Mortgages
Jan 21 • 17 min
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.
Real Estate Predictions for 2019
Jan 14 • 20 min
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.
Private Lending (Part 2)
Jan 7 • 16 min
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…
How Bond Yields Affect Mortgage Rates
Dec 18, 2018 • 14 min
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…
Private Lending (Part 1)
Dec 10, 2018 • 15 min
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.
How to Qualify for a Mortgage After Being Laid Off
Dec 3, 2018 • 13 min
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.
Lender Conditioning
Nov 27, 2018 • 21 min
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.
The Future of Mortgage Brokering
Nov 20, 2018 • 22 min
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.
The Future of Mortgage Lending
Nov 13, 2018 • 18 min
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.
New Construction
Nov 5, 2018 • 15 min
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.
Retrofit and Legal Rentals
Oct 29, 2018 • 27 min
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)
Oct 22, 2018 • 14 min
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)
Oct 18, 2018 • 13 min
The days of rates being below 3% are gone, so what’s next? Will history repeat itself?
Industry Perceptions
Oct 11, 2018 • 12 min
Our Director of Operations, Kaitlyn Ridout join us to share an outsider’s perspective on the mortgage industry and perceptions of a Mortgage Agent.
Oct 1, 2018 • 18 min
VINE Group Partners explain what IFRS 9 means and how the changes will affect the mortgage industry in Canada.
Quality vs. Quantity
Sep 18, 2018 • 20 min
A word to the wise; investment properties are not a short-term transaction but a 20-year investment.
September Market Update
Sep 11, 2018 • 18 min
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
Sep 6, 2018 • 20 min
Applying for a mortgage? Here are 10 things you should’t do on your next application.
Choosing your Real Estate Lawyer & Accountant
Aug 29, 2018 • 31 min
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
Aug 23, 2018 • 15 min
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
Aug 15, 2018 • 12 min
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.
Insured? Insurable? Uninsurable?
Aug 8, 2018 • 17 min
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
Aug 1, 2018 • 23 min
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…
Choosing an Investment Property
Jul 31, 2018 • 37 min
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…