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RESOURCES

Be empowered to make better financial decisions. Get started today with these free mortgage tools and resources.

 

NEW BUYER RESOURCES

For First-Time Buyers

Navigate your mortgage options with these helpful visuals and budget for hidden expenses with the cash flow planner. Use the cheat sheet to keep your Canadian credit score in top shape to qualify for the best terms.

RENTAL WORKSHEET

For Real Estate Investors

Track your real estate portfolio income and expenses with this customizable worksheet. See at a glance where you have trapped equity or need to improve your DCR (debt coverage ratio) to qualify for your next investment purchase.

REVERSE MORTGAGE FAQS

For Retirees

Learn how to customize your own reverse mortgage to stay in the home you love and never make a payment again. Get the facts: How much can you qualify for? Who will actually own your home? Will any equity remain to leave to your loved ones?

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CALCULATORS

Most online calculators are overly simplistic. Use these smart tools for proper planning and less stress.

 

MORTGAGE QUALIFIER

For Purchase or Refinance

Most online calculators are too simplistic for today's complicated lending rules. VINE Group built our own to think like an underwriter so you get more accurate results. For a formal prepositioning, contact me.

LAND TRANSFER TAX

For Purchase

Land transfer tax can be your largest closing cost and varies significantly based on property location. Find out how much you'll need to pay on closing, and how much you could be rebated as a first-time buyer.

CLOSING COSTS

For Purchase or Refinance
ON & AB

Your real estate lawyer will calculate final closing costs including solicitor fees, title insurance, and taxes. Get an instant estimate from Deeded Law and contact me for information on mortgage costs.

PAYMENT CALCULATOR

Find out your minimum downpayment amount, how much interest you can save with prepayments, and make your own PDF amortization schedule.