Paul Clara
240 Richmond Street West M5V1V6 Toronto, ON, Canada

Fixed or variable? How much of a down payment do you need? What is mortgage default insurance? Do you qualify for any first-time home buyer incentives? When it comes to securing your mortgage there are a lot of questions. That's where I come in. I'll help you navigate the process, present you with options, and ensure you get not only the best rate but the terms you need. A broker is better. A Vine Broker is best. Reach out today.... #VineGroup #mortgagealliance #knowledgeispower #myVinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

Tuesday Tip: Just because it’s the lowest mortgage rate, it doesn’t mean it’s the BEST deal. Allow me to help you understand the features and limitations of a mortgage product that your bank is not telling you about. I can help you find the best solution for your individual situation. #VineGroup #mortgagealliance #knowledgeispower #myVinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

It's National Real Estate Day! Celebrating Canadian homeownership and real estate investment today, along with all of my wonderful real estate partners and industry colleagues. #VineGroup #mortgagealliance #nationalrealaestateday #nationalrealestateday2021 #iheartrealestate #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

Designed exclusively for homeowners aged 55+, a reverse mortgage could be the perfect solution for your situation! Contact me today to find your Vine Solution. #VineGroup #mortgagealliance #reversemortgage #retirement #knowledgeispower #myVinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

Each day is wonderful in its own way. The present is a present. #VineGroup #mortgagealliance #builtbyagentsforagents #feelgoodfriday #TGIF #hustle #workhardplayhard #morningmotivation #mortgage #commercialmortgage #commercialfinancing #lovewhatyoudo #meetVinegroup #myVinesolution #businessminded #inspirationalquotes #entrepreneurquotes #millionairemindset #millionairemotivation #buildyourempire #inspiringquotes #businessadvice #motivationalquotes #entrepreneurship #entrepreneurlife #millionairementor #keytosuccess #wisewords #lifequotes

12 new chapters, 365 new chances. #VINEGroup #mortgagealliance #hny #2021 #happynewyear #builtbyagentsforagents #feelgoodfriday #morningmotivation #mortgage #commercialmortgage #commercialfinancing #lovewhatyoudo #meetvinegroup #myvinesolution #businessminded #inspirationalquotes #entrepreneurquotes #millionairemindset #millionairemotivation #buildyourempire #inspiringquotes #businessadvice #motivationalquotes #entrepreneurship #entrepreneurlife #millionairementor #keytosuccess #wisewords #lifequotes

Wishing everyone a happy holiday season and a bright year ahead! Thank you to all of our wonderful clients, lender partners and colleagues for being so wonderful to work with. #VINEGroup #mortgagealliance #holidays #holidayseason #mortgagepayment #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #commercialmortgage #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

Tuesday Tip: At VINE Group, we work with multiple lenders to advise and create a custom solution that fits your needs. We often receive promotional rates from our lenders and cost coverings that other brokerages and banks may not be able to offer. Talk to me today to find your VINE solution. #VINEGroup #mortgagealliance #mortgagepayment #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #commercialmortgage #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

2021 is going to grand! #VINEGroup #mortgagealliance #hny #2021 #happynewyear

What do you want to accomplish for 2021? Write out your goals, prioritize them, and be positive. Your goals should be specific, measurable, attainable, relevant and time-based. #VINEGroup #mortgagealliance #builtbyagentsforagents #feelgoodfriday #TGIF #hustle #workhardplayhard #morningmotivation #mortgage #commercialmortgage #commercialfinancing #lovewhatyoudo #meetvinegroup #myvinesolution #businessminded #inspirationalquotes #entrepreneurquotes #millionairemindset #millionairemotivation #buildyourempire #inspiringquotes #businessadvice #motivationalquotes #entrepreneurship #entrepreneurlife #millionairementor #keytosuccess #wisewords #lifequotes

Mortgages are complicated; especially if you're a first-time home buyer. Don't worry, I'm here to help make the biggest purchase of your life easier. #VINEGroup #mortgagealliance #mortgagepayment #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #commercialmortgage #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

Planning your 2021 real estate goals? Large goals are made up of small tasks. Create small, measurable tasks you can complete to accomplish your larger goals. Get an understanding of what needs to be done and take action. The best way to discover what needs to be done is to find an expert - consider talking to a Mortgage Professional, like myself, about your current situation and let them know what your ‘big picture’ goals are for 2021. Together, we can create a plan of actio...n and continually move toward your bigger goal. #VINEGroup #mortgagealliance #mortgagepayment #newyearsresolutions #2021 #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #commercialmortgage #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

Happy Halloween! What are you going to do that scares you today? Let's turn some dreams into plans and take baby steps together. . . . .... . #VINEGroup #mortgagealliance #builtbyagentsforagents #feelgoodfriday #TGIF #hustle #workhardplayhard #morningmotivation #mortgage #commercialmortgage #commercialfinancing #lovewhatyoudo #meetvinegroup #myvinesolution #refinance #businessminded #inspirationalquotes #entrepreneurquotes #millionairemindset #millionairemotivation #buildyourempire #inspiringquotes #businessadvice #motivationalquotes #entrepreneurship #entrepreneurlife #millionairementor #keytosuccess #wisewords #lifequotes See more

Wednesday October 28, 2020: Bank of Canada maintains current overnight rate at 0.25%, which keeps Prime Rate with all lenders unchanged and expectations that rates will remain low until 2023. . . . .... . #VINEGroup #mortgagealliance #bankofcanada #qualifyingrate #knowledgeispower #myvinesolution #downpayment #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realestateinvesting See more

Commercial financing can be complex. It helps to have a partner on your side to save you time, money, and to alleviate the stress throughout the multifaceted lending process. I have access to the VINE Group Commercial team and we work for you and not the bank, while you leverage our competitive market knowledge and lender relationships. . .... . . . #VINEGroup #mortgagealliance #commercialmortgage #commercialmortgageagent #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #mortgagelife #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #realestateinvestor #realestateinvesting #homeowner #homeownership #homebuyers See more

Tuesday Tip: Did you know mortgages can be insured, insurable or uninsurable? Your interest rate will vary depending on the type of mortgage that you have. Do you want to learn more? Contact me for more information. . . . .... . #VINEGroup #mortgagealliance #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #commercialfinance #refinance #financialsolutions #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers See more

What is a condition of financing? It means that your offer to buy a property is conditional on you obtaining financing and your offer can be withdrawn if you're unable to arrange the mortgage required to complete the sale. Before you decide to forgo or waive a condition of financing, discuss with your mortgage agent and real estate agent to make sure you understand the risks. Learn more by contacting me today!... . . . . . #VINEGroup #mortgagealliance #financingcondition #mortgageterms #mortgageterminology #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers See more

Whatever you are facing today, focus on your strengths rather than your weaknesses. Stay confident and determined. . . . .... . #VINEGroup #mortgagealliance #builtbyagentsforagents #feelgoodfriday #TGIF #hustle #workhardplayhard #morningmotivation #mortgage #commercialmortgage #commercialfinancing #meetvinegroup #myvinesolution #mortgage #refinance #businessminded #inspirationalquotes #entrepreneurquotes #millionairemindset #millionairemotivation #buildyourempire #inspiringquotes #businessadvice #motivationalquotes #entrepreneurship #entrepreneurlife #millionairementor #keytosuccess #wisewords #lifequotes See more

In today's competitive and constantly changing commercial lending market, upon first glance, it seems that there are more than enough resources and options available to secure commercial financing on your own. But trust me on this one - connecting with a VINE Group Commercial Mortgage Professional to help you through this process can save you time, money and stress by avoiding costly mistakes that occur far too often during this dynamic application process. Talk to me. I have... access to the VINE Group Commercial team and we can help you find your VINE solution. . . . . . #VINEGroup #mortgagealliance #commercialmortgage #commercialmortgageagent #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #mortgagelife #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #realestateinvestor #realestateinvesting #homeowner #homeownership #homebuyers See more

Tuesday Tip: Looking for a real estate agent, lawyer, painter, contractor, home inspector? A team is only strong as its weakest link. VINE Group has a nationwide network of valued partners whose core values and work ethic we trust. If you are looking for someone in particular and don't know where to start, I can help connect you. Let's chat. . .... . . . #VINEGroup #mortgagealliance #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #commercialfinance #refinance #financialsolutions #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers See more

If you don't go through life with an open mind you will find a lot of closed doors. . . . .... . #VINEGroup #mortgagealliance #builtbyagentsforagents #feelgoodfriday #TGIF #hustle #workhardplayhard #morningmotivation #mortgage #lovewhatyoudo #meetvinegroup #myvinesolution #mortgage #refinance #businessminded #inspirationalquotes #entrepreneurquotes #millionairemindset #millionairemotivation #buildyourempire #inspiringquotes #businessadvice #motivationalquotes #entrepreneurship #entrepreneurlife #millionairementor #keytosuccess #wisewords #lifequotes See more

VINE Group's October 2020 Market Update: With rates at historical lows, here's how you can keep your rate under 2% for 7 years or more! Head over to https://www.vinegroup.ca/202010-historically-low-rates to read the newest market update. Let me know your thoughts in the comments below. . . . .... . #VINEGroup #mortgagealliance #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers See more

At VINE Group, our Commercial Mortgage Agents have the experience and proficiency to complete a thorough review of your file in order to assess the risks associated with commercial financing. You don't want to find yourself saying, "I should have used a Commercial Mortgage Agent." Instead, contact us. Our VINE Group Commercial team can help you find your VINE solution. . .... . . . #VINEGroup #mortgagealliance #commercialmortgage #commercialmortgageagent #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #mortgagelife #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #realestateinvestor #realestateinvesting #homeowner #homeownership #homebuyers See more

Tuesday Tip: Are you ready to buy a home? Plan for costs such as: land transfer tax, appraisals, legal fees and disbursements, home inspection fees, home insurance, property taxes and utilities, title insurance, moving expenses, service and utility hook-up fees and any renovations or repairs. Make sure to budget for upfront purchase costs to avoid any surprises! .... . . . . #VINEGroup #mortgagealliance #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers See more

Happy Thanksgiving from the VINE Group family to yours. We are truly thankful for all of our clients, friends, family and colleagues. . . . .... . #VINEGroup #Thankful #Canada See more