Your Family Deserves a Mortgage That Works for YOU
I make getting the right mortgage simple—so you can focus on what matters most: your family.
Mortgages Can Be SO Confusing
Houses in Ontario are expensive. We'll never get a big enough house for our growing family.
Mortgages are confusing. What’s the best rate? What’s a term? Why are there so many options?!
You’re already juggling daycare costs, bills, and saving for a home—how do you find the time to figure this out?
It’s Overwhelming.
And let’s be honest—you’re worried about making a mistake that could leave you “house poor.”
You shouldn’t have to do this alone.
Shh! This is unheard of in the industry...
The Home Advantage Membership
We don’t just give you a mortgage—we give you peace of mind.
Here’s what’s included
(and it’s FREE):
Custom Mortgage Strategy
We tailor your mortgage to fit your family’s goals—so you don’t overextend your budget.
Rate Lock
Monitoring
We monitor interest rates and inform you of when it might be a good time to lock in.
Ongoing Family
Support
Lifetime access to our team for rate reviews, advice, and answers as your family grows.
Family Perks &
Discounts
Discounts for movers, home upgrades, and even a free annual family photoshoot.
& so much more...
make sure to ask about the free membership you get access to as a client
This isn’t just a mortgage—it’s peace of mind, for free, because we believe families deserve more.
Partnering in Your Home Ownership Success
I promise to help you:
Find the right mortgage for your unique need
—not what the banks want to sell you.
Save time and avoid headaches
with a simple, stress-free process.
Feel confident about your home and
your financial future.
Real Families. Real Results.
"He is someone who actually cares. An easy pick"
— Simona, Grimsby
Here’s How It Works:
1
Book a Free Call
Tell us your worries, goals, and questions. We’ll listen and guide you.
2
Get Your Custom Mortgage Plan
We’ll create a mortgage strategy tailored to your family’s needs and budget
3
Enjoy Lifetime Support
We’ll keep an eye on your mortgage, rates, and options—so you never have to stress
4
Focus on Your Family
With the right mortgage in place, you can spend more time on what matters most.
Stop Stressing Over Mortgages—We’ve Got This
Let us handle the hard stuff so you can focus on your family.
Together, we’ll find the right mortgage for your family’s next big step.
Why Choose Vine Group?
We promise to help you:
We’re Mortgage Experts:
This is all we do. No banks. No real estate. Just smarter mortgage solutions.
It’s About You:
Your family, your goals, your budget. That’s what matters most.
We’re Here for the Long Haul:
Our support doesn’t stop after closing—we’re with you every step of the way.
Why Choose Next Step Mortgage?
We promise to help you:
We’re Mortgage Experts:
This is all we do. No banks. No real estate. Just smarter mortgage solutions.
It’s About You:
Your family, your goals, your budget. That’s what matters most.
We’re Here for the Long Haul:
Our support doesn’t stop after closing—we’re with you every step of the way.
I'm Not Just an Agent—I'm Your Families Friend for Smart Homeownership.
Let’s make your family’s next big step simple, stress-free, and smart. Because you deserve more than just a mortgage—you deserve a plan for the future.
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
Vine Group Mortgage Agent Level 1
Licence#13511