VINE Group
555 Bloor Street East M4W 1J1 Toronto, ON, Canada

Meet Johnson Andrews, VINE Group Mortgage Agent. Johnson is committed to simplifying the mortgage financing process and educating his clients every step of the way, ensuring full transparency. He prides himself on cultivating open communication and uncovering tailored solutions to meet every client's financial objectives. Johnson has been recognized as one of the Canadian Mortgage Professionals Rising Stars for 2020 and selected as a finalist for Best New Agent for... the 2020 Mortgage Awards of Excellence. This prestigious nomination placed Johnson as one of the five finalists out of over 1,500 nominations across Canada for this category. #VINEGroup #mortgagealliance #meetvinegroup #homebuying #builtbyagentsforagents #VINEhub #mortgage #lovewhatyoudo #bankertobroker #myvinesolution #mortgagelife #housingmarket #refinance #financialsolutions #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageconsultant #realestate #realtorlife #realestatelife

Even in uncertain times it’s important to look ahead to the future. Here are 4 ways first-time buyers can get assistance to help achieve their goals of home ownership. Want to learn more? Contact a VINE Group Mortgage Professional today to find your VINE solution. #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.

The VINE Rant: Ming Lim, Advisory & Investment Realty Services at Volition Properties, joins Hugo Dos Reis to kick off 2021 with Toronto real estate market predictions, trends and insights for the year ahead. Toronto has always been a challenging market for real estate investment, but how has 2020 impacted investment strategies? FULL VIDEO: https://youtu.be/Pkxqq4VxmgY #VINEGroup #theVINErant #mortgagealliance #volitionproperties #torontorealestate #yyz #canadianmortgage #canadianeconomy #mortgagesolutions #meetvinegroup #myvinesolution #knowledgeispower #interestrates #myvinesolution #mortgage #refinance #financialsolutions #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageconsultant #realestate

GDS and TDS. They are ratios that help lenders determine your affordability. As a borrower, you want these ratios to be as low as possible. GDS stands for Gross Debt Service. It is the percentage of your income needed to pay your monthly housing costs (principal, interest, property taxes, and heat) on the new property. To calculate GDS: Monthly housing-related costs divided by your gross monthly income. The industry standard for GDS is 35%. TDS stands for Total Debt Service..., and it is the percentage of your income required to cover ALL your debts. To calculate TDS: Monthly housing-related costs plus any other debts (car payments, credit cards, spousal/child support, and any other loan payments) divided by your gross monthly income. The industry standard for TDS is 42%. These are general guidelines; exceptions do apply. It is always best to talk to a mortgage professional to learn more about your affordability. Contact VINE Group today. #VINEGroup #mortgagealliance #knowledgeispower #myvinesolution #secondopinion #mortgage #canadianmortgages #homebuying #mortgagelife #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realtorlife #realestatelife #firsttimehomebuyer #homeowner #homeownership #homebuyers

Tuesday Tip: Are you considering buying or renovating? .how about both? Allow our team of Mortgage Professionals to analyze all of your options to ensure you always have the best financing solution for your long term goals. #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

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

Leverage your home equity to put you in a better financial position for 2021. Your home property can be a growing asset that you can leverage in times of need. Here are some smart ways you can leverage your home’s equity: making necessary home improvements to increase the value of your home, consolidate credit card debt (especially if your credit card interest rates are high), using home equity for a down payment on a rental home (as an investment that can help you earn mone...y). Before you take out a home equity loan, be sure to talk to a VINE Group Mortgage Professional about the pros, cons and your goals for the future. #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

Welcome, Denise Benninger! Denise brings 13 years of experience in the mortgage and financial services industry to VINE Group’s growing commercial team. Throughout her career she has worked with many families and business clients in a team-based approach to holistic financial solutions and wealth creation. Integrity and quality of work have built relationships that were essential to growing both a commercial and residential client base over years. She looks forward to expandi...ng commercial offerings with VINE Group. Please join us in welcoming Denise to the VINE Group Family! #VINEGroup #mortgagealliance #meetvinegroup #commercialfinancing #commercialmortgage #homebuying #builtbyagentsforagents #VINEhub #mortgage #lovewhatyoudo #bankertobroker #myvinesolution #mortgagelife #housingmarket #refinance #financialsolutions #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageconsultant #realestate #realtorlife #realestatelife

The VINE Rant: VINE Group's Kim Nguyen and Hugo Dos Reis are joined by Alberta realtor, Ella Kuindersma, to chat about the Calgary real estate market trends and what we might expect for 2021. #VINEGroup #theVINErant #mortgagealliance #canadianmortgage #canadianeconomy #mortgagesolutions #meetvinegroup #myvinesolution #knowledgeispower #interestrates #myvinesolution #mortgage #refinance #financialsolutions #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageconsultant #realestate #canadianrealestate

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

Take hold of your life with great intention and expectation. #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

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

Kindness begins with understanding that we all struggle, especially during these strange times. Everyone copes with mental health issues differently; there's no right or wrong way to deal with it. Reach out to check on your friends and family. Let's talk and take care of each other. #BellLetsTalk #letstalk #VINEGroup

Mortgages are complicated; especially if you're a first-time home buyer. Don't worry, we're 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

While a 40-year amortization option hasn't been available since 2008, there are still other ways to help reduce your monthly payment. Let us create a customized solution that fits your needs! Contact a VINE Group Mortgage Professional today. #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

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 a VINE Group Mortgage Professional 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

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 VINE Group Mortgage Professional about your current situation and let them know what your ‘big picture’ goals are for 2021. Together, you can create a plan of action... 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

Tuesday Tip: With all the holiday shopping this month, make sure to pay your bills on time, all the time. Make it a habit. This small tip will help you take control of your financial life, reduce stress and boost your credit score. #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

When applying for a mortgage, be prepared for an appraisal request from the lender. Just because you get approved for your mortgage, more often than not, the lender will request an appraisal to verify the value and the condition of the property. Be prepared for this request! #VINEGroup #mortgagealliance #mortgagepayment #homeappraisal #houseappraisal #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

The most important part of winning is the journey to get there. #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

The COVID-19 pandemic has impacted multiple aspects of life, making this holiday season especially difficult for many Canadians. This year VINE Group would like to respond in a meaningful way. We have selected three charities across Canada to help support those in need and whose work is extremely important, more so during this difficult year. Through our donations, we wish to make an impact for nine families this holiday season and bring them hope for the upcoming new year. T...he VINE Group Family thanks you for your support throughout 2020 and we hope that our donations make a difference for those who need it most. #VINEGroup #mortgagealliance #charity #donate #love #covid #community #fundraising #support #help #volunteer #giveback #donation #fundraiser #dogood #hope #socialgood #instagood #donations #change #philanthropy #coronavirus #family #givingback #charityevent

Wednesday December 09, 2020: The Bank of Canada announced interest rates would remain unchanged and reiterated its commitment to keep them at historic lows until the recovery is complete. Overnight rate will remain at 0.25% which leaves Prime unchanged with most lenders at 2.45%. They will be keeping eye on inflation until it hits 2% target before revisiting any possible changes. #VINEGroup #mortgagealliance #bankofcanada #qualifyingrate #knowledgeispower #myvinesolution #downpayment #secondopinion #mortgage #canadianmortgages #refinance #financialsolutions #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realestateinvesting

Welcome, Kelvin Chen! Working for different financial institutions in Vancouver, Kelvin has learned to care for his clients by providing guidance and knowledge to their mortgage solution. Everyone’s situation is unique and each scenario has its own set of opportunities. Kelvin hopes to help his clients achieve their real estate goals; from their first home purchase to their real estate investments. Please join us in welcoming Kelvin to the VINE Group Family!... #VINEGroup #mortgagealliance #meetvinegroup #vancouver #britishcolumbia #vancouverrealestate #vancouverrealtor #vancouverbc #homebuying #builtbyagentsforagents #VINEhub #mortgage #lovewhatyoudo #bankertobroker #myvinesolution #mortgagelife #housingmarket #refinance #financialsolutions #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageconsultant #realestate #realtorlife #realestatelife

Tuesday Tip: As we approach the end of the year, it never hurts to take a moment to do an annual checkup on your mortgage as there could be some value in restructuring your current lending options. Looking for some guidance? Talk to a VINE Group Mortgage Professional. 1.844.411.8463 [email protected]... #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

VINE Group's December 2020 Market Update: Have we seen the bottom of low rates? Go to www.vinegroup.ca/202012-have-we-seen-the-bottom-of-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

Welcome, Terry Qiu! Terry has been with Mortgage Alliance since 2018 and was awarded Mortgage Alliance’s Top 20% Masters Club award in 2019. Previously working at two major Canadian banks, Terry helps many clients with their residential and commercial mortgages. Terry’s focus is to provide customized lending solutions to his clients. He works closely with his clients to deliver exceptional client experience in the mortgage planning and application process.... Please join us in welcoming Terry to the VINE Group Family! #VINEGroup #mortgagealliance #meetvinegroup #vancouver #britishcolumbia #vancouverrealestate #vancouverrealtor #vancouverbc #homebuying #builtbyagentsforagents #VINEhub #mortgage #lovewhatyoudo #bankertobroker #myvinesolution #mortgagelife #housingmarket #refinance #financialsolutions #homeequity #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageconsultant #realestate #realtorlife #realestatelife