Mortgage Insider Edition

The timeless question remains: should clients choose a fixed or variable-rate mortgage? With today’s market uncertainty, the answer isn’t straightforward. Bond yields and variable rate margins continue fluctuating, adding complexity to the decision. For clients and mortgage professionals, a holistic approach is essential. Reviewing all details and long-term goals ensures the best recommendation fo...

Welcome to this episode of Mortgage Insiders Edition! In this episode, we share some exciting changes for 2025 and beyond. Our colleague and co-host, Kim Nguyen, has decided to step back for business reasons. We want to thank Kim for her invaluable contributions to the series and wish her all the best. She has promised to continue joining us as a guest speaker in the future. We’re excited to intro...

Welcome! In this episode of Mortgage Insiders Edition, we will discuss a few new policies being introduced later this year in December and early 2025. These policies will be game changers for those looking to buy their first home and/or buy above the $1 million mark. It's a great video to watch if this applies to you. #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre...

Welcome! In this episode of Mortgage Insiders Edition, we will discuss the difference between a property inspection and a bank appraisal. Although they may seem very similar, there are some key differences to consider. It's best to know these differences when you are looking at buying a new place! #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refin...

Welcome! In this Mortgage Insiders Edition episode, we will discuss home ownership costs after you've bought your home. What are some recurring ones, and what are some monthly ones? This is a must-watch, especially if you are planning to buy your first home!   #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refinance #mortgagespecialist #purchase #cl...

Welcome! In this episode of Mortgage Insiders Edition, we will discuss when would be a good time to refinance your home, how you would qualify, and how to calculate the equity. We will also list the pros, cons, and potential costs of a refinance. #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refinance #mortgagespecialist #refinance #equity #equitytakeo...

Welcome! In this episode of Mortgage Insiders Edition, we will discuss the recent news of the Bank of Canada cutting the overnight rate by 0.25 for the first time in over four years. We will discuss how this will impact variable and fixed-rate markets and what’s to come.  #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refinance #mortgagespecialist #firs...

Welcome! In this episode of Mortgage Insiders Edition, we will discuss all the new changes that the government of Canada has announced. These changes are a significant step forward, bringing new opportunities and benefits for many first-time home buyers. The changes involve the maximum withdrawal of RRSP funds under the home buyers plan, along with longer amortizations for borrowers who are lookin...

Welcome! In this episode of Mortgage Insiders Edition, we discuss all things related to title insurance with our special guest, Jonathan Lang, Lawyer with Summit Legal Group. You may encounter Title insurance, especially when doing the final signing with your lawyers when buying a new place. We will discuss the full ins and outs of this and why it may or may not apply to your case. Filmed: March 2...

Welcome! In this episode of Mortgage Insiders Edition, we will discuss the various insurances that may apply when buying a new place. Whether you are buying your first or second home, most of these items will come up and we will break it down.   Kim Nguyen, Mortgage Associate Vine Group, Alberta kim@vinegroup.ca Preet Singh, Mortgage Associate Vine Group, Alberta preet@vinegroup.caE #PreetSingh #K...

elcome! In this episode of Mortgage Insiders Edition, we have the pleasure of speaking with Neil Thompson, a realtor with Maxwell Polaris in Edmonton. Neil shares all the insights and forecasts for this upcoming busy year in Alberta. This is a must-watch if you are in the market to buy a first home, move up home or are thinking about making a move to Alberta from another province.    Neil Thompson...

Welcome! In this episode of Mortgage Insiders Edition, we will be explaining what a private sale is and what important things to consider when you are buying a property directly from the seller. Kim Nguyen, Mortgage Associate Vine Group, Alberta kim@vinegroup.ca Preet Singh, Mortgage Associate Vine Group, Alberta preet@vinegroup.ca #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor...

Welcome! In this episode of Mortgage Insider Edition, we will be discussing how lenders view income, especially if you are looking to change jobs or obtain new employment. We will discuss things to be aware of and what lenders may ask for with these changes. #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refinance #mortgagespecialist #downpayment #renta...

Welcome! In this episode of Mortgage Insiders Edition, we will be discussing what is going on with the market and how this impacts interest rates. We will also share some of our strategies in navigating this rate environment.  Kim Nguyen, Mortgage Associate Vine Group, Alberta kim@vinegroup.ca Preet Singh, Mortgage Associate Vine Group, Alberta preet@vinegroup.ca #PreetSingh #KimNguyen #VineGroup...

Welcome! In this episode of Mortgage Insiders Edition, we discuss important things to consider when using a realtor and what to expect. There are a lot of myths about realtor services that we will be breaking down as well.   Amanda Hancock, Real Estate Agent RE/MAX First realty@amandayyc.ca Kim Nguyen, Mortgage Associate Vine Group, Alberta kim@vinegroup.ca Preet Singh, Mortgage Associate Vine Gro...

Welcome! In this episode of Mortgage Insiders Edition, we discuss the financing aspects of buying a rental property under a holding company. In some cases, this may make sense, but not all. We will dive into details of all the essential things to consider when going down this route. #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refinance #mortgagespeci...

Welcome! In this episode of Mortgage Insiders Edition, we discuss the one mortgage feature you should look into: porting. We also explain Blend and Extend. Porting is a highly recommended feature for anyone getting a new mortgage. Kim Nguyen, Mortgage Associate Vine Group, Alberta kim@vinegroup.ca Preet Singh, Mortgage Associate Vine Group, Alberta preet@vinegroup.ca Music from Uppbeat: https://up...

Welcome! In this Mortgage Insiders Edition episode, we discuss new construction build mortgages. This is becoming more popular for many homeowners; however, it does come with some differences from a typical mortgage. This is a must-watch, especially if you are actively searching for a brand new home! Kim Nguyen, Mortgage Associate Vine Group, Alberta kim@vinegroup.ca Preet Singh, Mortgage Associat...

Welcome! In this episode of Mortgage Insider Edition, we explain all things private lending! In some cases, private lending may be a suitable solution for some. Kim Nguyen, Mortgage Associate Vine Group, Alberta kim@vinegroup.ca Preet Singh, Mortgage Associate Vine Group, Alberta preet@vinegroup.ca Music from Uppbeat: https://uppbeat.io/t/cruen/family-time License code: TG2E0DBG1IJQ6NJY #PreetSing...

Welcome! In this special episode of Mortgage Insider Edition, Vine Group's prairies team will discuss things you can do to prepare yourself for the HOT summer Prairies market. From a broker's perspective, we will dive into what you should and shouldn’t be doing. This is a must-see for anyone going into the market, and/or if you’ve lost an offer, what can you do to come up on top?   Kim Ngu...

Welcome! In this episode of Mortgage Insiders Edition, we talk about the closing costs you will incur when buying a new home.    #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #mortgagerenewal #refinance #mortgagetransfer #mortgagespecialist #downpayment #insuredmortgage #firsttimehomebuyers #savings #closingcosts #lawyerfees #inspectionfees Kim Nguyen,...

Welcome! In this episode of Mortgage Insiders Edition, we will discuss options you may have during financial hardship. If you currently have a mortgage and depending on your lender and/or insurer, they may have some specialty programs available for you during this challenging time.  #PreetSingh #KimNguyen #VineGroup #MortgageAlliance #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #mortga...

Looking to renovate your home to make it more appealing and customized to you? Welcome! In this episode of Mortgage Insiders Edition, Kim and Preet discuss a widely available but rarely used mortgage product known as “Purchase Plus Improvements,” which allows you to borrow additional funds on top of the purchase price of the home for you to renovate the area(s) of concern.  PPI mortgage helps to e...

Welcome! In this episode of Mortgage Insiders Edition, we will discuss things you should know when your mortgage is coming up for renewal. We will chat about the many different options you can look into. #PreetSingh #KimNguyen #VineGroup #MortgageAlliance #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #mortgagerenewal #refinance #mortgagetransfer #mortgagespecialist #downpayment #insured...

Welcome! In this special episode of Mortgage Insiders Edition, we will be exploring what it takes to become a mortgage professional and why this is something to be aware of and pay special attention to as a consumer. We are joined by some of our Vine Group teammates across Canada; with a combined working experience of 60+ years in the industry, we will explore what it takes as a banker and mortgag...