Colton Hendriks Mortgage Broker

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Mortgage Wealth Planner, Father, Rental Cash damming expert, Smith Maneuver Certified Professional, I make your mortgage tax efficient and growing your wealth sooner! #512011 #510610

Not me! Apologize for anyone who got messages from
12/29/2025

Not me! Apologize for anyone who got messages from

10/23/2025

Make sure to know what your signing for, what may seem like a good thing, “it will pay it off if I get sick” mentality on small consumer debt is crazy. Thinking big picture with a life and disability for most Canadians is a better plan. Many times these credit card companies additionally won’t cover it if you have a history or underlying illness that could have contributed so your paying for a plan that would deny you anyway.
Know your worth and protect your money the smart way.

10/01/2025

Having the right advice with your mortgage is important. Many of Canadian landlords have been caught thinking that when they refinance their income property they can pull the equity out and use the funds personally and that their mortgage that property is still tax deductible because it’s on that property.

The CRA tracks the use of those funds not where they are currently borrowed against, making your mortgage on your rental property not tax deductible which is a lot of bad debt. Keeping funds separate and tracking the use of them is important.

By using the cash damming strategy we can essentially do the same thing over a period of time. Paying off that primary residence mortgage debt month by month!

Wealthy Canadians use their mortgage as a wealth building tool, are you? With every mortgage payment we make, we are pay...
08/11/2025

Wealthy Canadians use their mortgage as a wealth building tool, are you?

With every mortgage payment we make, we are paying off our personal mortgage debt! This is great!

What most Canadians lack is an ability to both make each and every one of those mortgage payments while also saving for their retirement at the same time...

This poses a problem as home prices are at all time highs and mortgage payments that total 35-45% of our household income BEFORE TAX. Having the money to retire while also living out the dream in our younger selves, the dream wins 99/100 times

What this means is your mortgage is DEAD WEIGHT!

What the wealthy understand is that mortgage debts used to invest into income generating assets are tax deductible. Which means each and every year we will receive a tax refund based on our personal tax rate!

Money paid while we work, given back to us as we invest! WHAT!?

What some people might say is how will I pay for this mortgage used for investing while I invest? As this costs 0 dollars out of pocket its quite simple! We use the equity we create each and every payment to pay for the interest we pay on the money we borrowed to invest!

This is a mortgage conversion strategy, eliminating bad non deductible debt to create a good deductible debt that grows in income generating markets.

If you would like to know more about how to invest in your retirement when your young and convert your mortgage from a bad one to a good one! Learn more here~~~~ https://coltonhendriks.smithman.ca/

Some days, the urgent stuff screams louder than the important stuff. It’s easy to get caught up answering emails or putt...
08/08/2025

Some days, the urgent stuff screams louder than the important stuff. It’s easy to get caught up answering emails or putting out fires and lose sight of the bigger moves that actually push your goals forward. Real growth usually comes from making the quiet, strategic decisions, even when they don’t give you that quick sense of accomplishment. Keep carving out space for the long game.

With tighter credit conditions, many Canadians are finding it more difficult to secure traditional mortgage financing, e...
07/31/2025

With tighter credit conditions, many Canadians are finding it more difficult to secure traditional mortgage financing, especially those with complex income, past credit challenges, or non-traditional assets. Alternative lending is not a last resort. It is a strategic option for clients who do not fit the conventional profile.

At Vine Group, we work with a broad range of non-bank lenders, including B-lenders and private lenders, to create flexible financing solutions that are tailored to your specific needs. Whether you are self-employed, recovering from credit issues, or looking to invest in unique properties, I can help you design a strategy that keeps your financial plans on track without unnecessary setbacks.

Contact me to explore the options available and build a solution that supports both your current needs and long-term goals.

If your mortgage is up for renewal, now is the time to take action. Many Canadians are facing significantly higher payme...
07/30/2025

If your mortgage is up for renewal, now is the time to take action. Many Canadians are facing significantly higher payments compared to the ultra-low rates of recent years.

At Vine Group, we help clients navigate renewals with expert advice, tailored strategies, and access to competitive lender options. Whether you are looking to improve your rate, change terms, or explore a new lender, early planning is key.

• Fixed mortgage rates are currently between 4 to 4.5%
• Variable-rate clients are not affected by immediate changes
• New rules make it easier to switch lenders at renewal without requalifying under the stress test
• Proactive reviews can help avoid payment shock and uncover better solutions

Contact me today for a complimentary mortgage review that aligns with your long-term financial goals.

Many mortgage holders overlook the benefits of prepayment privileges built into their contracts. Prepayments allow you t...
07/23/2025

Many mortgage holders overlook the benefits of prepayment privileges built into their contracts. Prepayments allow you to pay down your principal faster, directly reducing the amount of interest you will pay over the life of your mortgage. Even small, regular lump-sum payments or modest increases to your monthly payment can create significant savings and shorten your amortization period.

At Vine Group, we help clients create prepayment strategies tailored to their cash flow and long-term financial goals. We review your mortgage terms, calculate the impact of different prepayment options, and design a plan that accelerates your debt reduction without straining your budget. By taking advantage of these privileges early and consistently, you can save thousands in interest and achieve mortgage freedom sooner.

Contact me to create a plan that helps you put your money to better use and achieve your goals sooner.

June’s inflation data reinforces that the Bank of Canada remains in a holding pattern as it balances softening headline ...
07/15/2025

June’s inflation data reinforces that the Bank of Canada remains in a holding pattern as it balances softening headline inflation with persistent core price pressures. With the CPI-median rising to 3.1% and shelter costs still increasing, borrowing conditions are unlikely to ease soon.

The dip in gasoline prices provided temporary relief, but cost pressures in key consumer segments, such as vehicles and clothing, continue to weigh on households.

For mortgage borrowers, this means stable but elevated rates remain the baseline. Staying informed on these trends is key to making timely and effective decisions, especially as rate cuts appear more distant than many had hoped earlier in the year.

Contact me today to ensure your mortgage strategy reflects current market conditions and supports your long-term financial plans.

Thinking of breaking a fixed-rate mortgage? IRD penalties can be costly if you’re not prepared. I help clients understan...
07/14/2025

Thinking of breaking a fixed-rate mortgage? IRD penalties can be costly if you’re not prepared. I help clients understand the numbers and minimize their costs. Let’s talk about your options. Contact me for a review.

Figuring out what you want sounds simple, but when you're juggling competing priorities and second-guessing every decisi...
07/11/2025

Figuring out what you want sounds simple, but when you're juggling competing priorities and second-guessing every decision, clarity can feel like a luxury. The truth is, momentum doesn’t come from having everything mapped out perfectly. It comes from getting clear on one thing you care about, and using that as your anchor when the rest feels messy.

Address

Regina, SK

Telephone

+13065505587

Website

https://linktr.ee/mortgagesbycolton?utm_source=linktree_admin_share

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