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 for fixed or variable rates.

Preet Singh, Mortgage Associate

Vine Group, Alberta

[email protected]

Trevor Leys Schirok, Mortgage Associate

Vine Group, Alberta

[email protected]

Music from Uppbeat:

https://uppbeat.io/t/cruen/family-time

License code: TG2E0DBG1IJQ6NJY

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 introduce Trevor Leys Schirok as our new permanent co-host, alongside Preet Singh. Trevor has been a mortgage broker since 2003 and brings a wealth of knowledge and experience to the podcast. We look forward to his insights, perspectives and fresh ideas as he joins the Mortgage Insiders Edition team. Welcome, Trevor!

#TrevorLeysSchirok #PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refinance #mortgagespecialist #changes #mortgageinsideredition #firsttimehomebuyer #investors #rentals #cmhc #sagen #CanadaGuaranty #newhome #mortagebroker

Preet Singh, Mortgage Associate

Vine Group, Alberta

[email protected]

Trevor Leys Schirok, Mortgage Associate

Vine Group, Alberta

[email protected]

Music from Uppbeat:

https://uppbeat.io/t/cruen/family-time

License code: TG2E0DBG1IJQ6NJY

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 #mortgage #refinance #mortgagespecialist #30year #amortization #mortgagechanges #firsttimehomebuyer #cmhc #sagen #CanadaGuaranty #dec15changes #newhome #mortagebroker

Kim Nguyen, Mortgage Associate

Vine Group, Alberta

[email protected]

Preet Singh, Mortgage Associate

Vine Group, Alberta

[email protected]

Music from Uppbeat:

https://uppbeat.io/t/cruen/family-time

License code: TG2E0DBG1IJQ6NJY

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 #refinance #mortgagespecialist #appraisal #propertyinspection #realtor

Kim Nguyen, Mortgage Associate

Vine Group, Alberta

[email protected]

Preet Singh, Mortgage Associate

Vine Group, Alberta

[email protected]

Music from Uppbeat:

https://uppbeat.io/t/cruen/family-time

License code: TG2E0DBG1IJQ6NJY

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 #closingcosts #homeownership #costs #interestrate #lawyerfee #propertytax #condofee #HOAfee

Kim Nguyen, Mortgage Associate

Vine Group, Alberta

[email protected]

Preet Singh, Mortgage Associate

Vine Group, Alberta

[email protected]

Music from Uppbeat:

https://uppbeat.io/t/cruen/family-time

License code: TG2E0DBG1IJQ6NJY

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.

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. 

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 looking at building a new home. 

#PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refinance #mortgagespecialist #firsttimebuyer #downpayment #newbuild #CMHC #firsthomehomebuyerrsp #rrsp #realtor #alberta #calgary #edmonton #CREB #MLS #insurance #30yearamortization #amortization #homebuyersplan

Kim Nguyen, Mortgage Associate

Vine Group, Alberta

[email protected]

Preet Singh, Mortgage Associate

Vine Group, Alberta

[email protected]

Music from Uppbeat:

https://uppbeat.io/t/cruen/family-time

License code: TG2E0DBG1IJQ6NJY

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 2024

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

[email protected]

Preet Singh, Mortgage Associate

Vine Group, Alberta

[email protected]

#PreetSingh #KimNguyen #VineGroup #mortgagebroker #mortgageadvisor #yegre #yycre #mortgage #refinance #mortgagespecialist #downpayment #rental #investing #investment #holdco #holdingcompany #REinvestment #investingtips #realtor #alberta #calgary #edmonton #CREB #MLS #insurance #insurerpremium #defaultinsurance #homeinsurance #terminsurance #permanentinsurance #fireinsurance #lifeinsurance #titleinsurance #contentinsurance #CMHC #CG #sagen

Music from Uppbeat:

https://uppbeat.io/t/cruen/family-time

License code: TG2E0DBG1IJQ6NJY