Vine Group

Welcome, Colton Hendriks! Born and raised in Regina, Saskatchewan, Colton's professional journey has been diverse and enriching. From his early career as a paramedic to his transition into a Journeyperson Electrician and, later, a Mortgage Associate, each experience has left a lasting impact on him. Through his tenure in the mortgage industry, Colton has empowered hardworking Canadians to lay the groundwork for their financial futures, offering tailored solutions and complex strategies to meet their needs. Beyond his career, Colton finds immense joy in his role as a partner and husband, celebrating 14 years together. Additionally, he cherishes his time as a father to their daughter and enjoys the companionship of their beloved dog. Together, they seek adventure and exploration, often embarking on travels across the country in their three-season camper to indulge in activities like hiking, golfing, and experiencing new destinations. Please join us in welcoming Colton to Vine Group’s Saskatchewan Team! #VineGroup #GroupeVine #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realestateinvesting #realestate #realestatemarket #financialneeds

Check out EQ Bank | Equitable Bank's #KnowYourBroker series. This week, the series features Vine Group's Hugo Dos Reis, PFP. The video is beautifully done!

Why should you work with a Vine Group Mortgage Agent? A Vine Group Mortgage Agent brings you peace of mind by ensuring your mortgage is financially responsible and sustainable. We can help you grasp the long-term impact of your mortgage agreement and create a plan to ensure comfortable monthly payments. With your best interests in mind, we search for mortgage financing with the most favourable terms and rates on your behalf and can offer many options, working with banks, mortgage finance companies, credit unions, alternative lenders, B-lenders, and private lenders.

Welcome, Anthony Tropea! Anthony brings diverse experience and expertise to the mortgage industry. With a background spanning education, marketing, and business leadership, Anthony has honed his skills over 28 years as a dedicated teacher and program leader. His commitment to student success and innovative approach to education have earned him recognition as an inspiring mentor. Anthony's entrepreneurial spirit is a testament to his ability to deliver results. For 12 years, he successfully established and operated a marketing agency, helping numerous clients achieve their business objectives through strategic marketing campaigns, significantly enhancing their brand presence in competitive markets. With his multifaceted background and dedication to lifelong learning, Anthony is ready to leverage his expertise to help clients navigate the complexities of the mortgage process and achieve their homeownership goals. Please join us in welcoming Anthony to Vine Group’s Ontario Team! #VineGroup #GroupeVine #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realestateinvesting #realestate #realestatemarket #financialneeds

In June, Statistics Canada reported that Canada's annual inflation rate unexpectedly cooled to 2.7%, largely due to slower growth in gas prices. This was slightly below the 2.8% expected by analysts. With the Bank of Canada's next policy rate decision looming on July 24, financial markets are increasingly predicting another interest rate cut following the more favourable inflation data. Grocery prices have been a persistent concern, with food purchased from stores seeing a year-over-year increase of 2.1% in June, up from previous months. Rising food costs continue to be a significant financial burden for many families, reflecting a sharp 21.9% increase from June 2021 to June 2024, as reported by Statistics Canada. #VineGroup #CPI #inflation #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realestateinvesting #realestate #realestatemarket #financialneeds

At Vine Group, we understand how important it is to find the right mortgage for your unique needs and circumstances for your clients. That's why we work hard to provide personalized service and support every step of the way. We are so glad that you found Miranda Dunsmuir and our team to be helpful throughout the process.

Welcome, Aalia Ladha! Aalia brings over 11 years of progressive commercial banking experience from RBC Royal Bank. She is passionate about commercial real estate and provides expert advice to her investor clients. She focuses on understanding each client’s situation and merges this with cutting-edge industry and lender knowledge. Aalia has successfully secured millions of dollars in financing for all commercial asset classes and intricately guides her clients through the process. Outside of work, Aalia enjoys travelling and entertaining. She also loves spending quality time with her supportive husband and two beautiful daughters. Please join us in welcoming Aalia to Vine Group’s Commercial Team! #VineGroup #GroupeVine #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realestateinvesting #realestate #realestatemarket #financialneeds

Moving to a new home can be stressful, but mortgage portability can ease the process. Porting lets you transfer your existing mortgage balance, term, and interest rate to your new property, avoiding early discharge penalties. This option is typically available for fixed-rate mortgages, where lenders use a "blended" system to calculate rates for any additional amount borrowed. However, conditions vary: some lenders require the sale and purchase to happen on the same day, while others allow more time. Not all mortgages are portable, especially variable-rate ones, which may incur penalties when broken. It’s essential to understand your options and any potential penalties. Your Vine Group Mortgage Professional can help explain these details and find the best solution for your situation. Contact us today to get started!

Welcome, Vikram Dhanju! Vikram Dhanju graduated as an architect in India and moved to Canada in 2002. He worked with various engineering companies in Ontario before transitioning to mortgage brokering in 2017. With over three years of experience managing a team of 15+ mortgage agents at a reputable brokerage, Vikram specializes in financing for real estate investors, including strategies like BRRR and flipping. He also assists self-employed professionals and individuals with credit challenges. He has successfully funded deals with over 15 MICs in Ontario and manages a personal portfolio of seven rental units in the province. Beyond his expertise in mortgage brokering, Vikram brings experience as an insurance agent and is fluent in English, Punjabi, Hindi, and Urdu. He prides himself on receiving 5-star reviews from past clients, highlighting his commitment to delivering exceptional service. Outside work, Vikram is passionate about meditation and training the mind, demonstrating his dedication to personal growth and well-being. Please join us in welcoming Vikram to Vine Group’s Ontario Team!       #VineGroup #GroupeVine #mortgagerates #mortgagetip #mortgageagent #mortgagebroker #mortgagespecialist #mortgageassociate #mortgageconsultant #realestate #realestateinvesting #realestate #realestatemarket #financialneeds 

At Vine Group, we're passionate about providing better solutions to our clients. Join us and be part of a team that's dedicated to making a difference in your clients’ lives.