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TMG The Mortgage Group Canada Inc.
I am here to help you make your real estate goals a reality!
I'll focus on the details so you don't have to.
Buying a home is more than a financial decision; it's a personal milestone. Whether you're purchasing your first home, renewing your mortgage, or looking to refinance, I'm here to provide tailored guidance every step of the way. I'll offer personalized insights and support to help you navigate all aspects of the mortgage process, saving you time and ensuring you find the perfect fit for your needs. Let's tackle this exciting journey together!
  • Expertise
    I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs.
  • Save you time with one-stop shopping
    Instead of spending your valuable time meeting with competing mortgage lenders, I can quickly narrow down the list of lenders that will help you achieve your financial goals. I will make your comparison-shopping fast, easy, and convenient - and we can do all that on a schedule and timeline that works best for you!
  • No cost to you
    For most residential mortgage transactions, there’s no direct fee charged to you. Like other professionals (e.g., insurance advisors), mortgage brokers are typically paid a finder’s fee by the lender for bringing qualified clients.
Why Should You Use My Services?
I will negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. And even if you have an existing relationship with your branch, TMG does millions of dollars of transactions yearly with a wide variety of lending institutions so we have strong lender relationships. I can use that relationship to your advantage to negotiate your mortgage to ensure you secure competitive rates and terms that benefit you.
 
I will also ensure that you're getting the best rates and terms. Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! I can investigate on your behalf to see if there is an alternative to better suit your needs.
 
Do you know about mortgage customization? All mortgages are not created equally, and depending on your financial goals, I will ensure the mortgage you receive helps you with those goals. Whether borrowing to purchase, renovate, or make your mortgage interest tax deductible, I can ensure that the mortgage you have helps achieve these financial goals.
Think Outside the Branch for Your Mortgage
New Mortgage
Need a new mortgage? I'll help you pick the right fit for you and your budget.
Renewal
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
Refinancing
Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you!
Get started with your application now!
I'm here to help with all your mortgage needs, including refinancing, new home purchases or mortgage renewals.
Types of Mortgages

A fixed rate, closed term, mortgage offers you the security of locking in your interest rate for the term of your mortgage, so you know exactly how much principal and interest you will be paying on the mortgage during the term. Terms range from 6 months to 10 years. Fixed rate mortgages offer some form of pre-payment option, from 10% to 25% of the original mortgage balance each year, depending on the lender. If you wish to pay off your mortgage in full, there will be a penalty of either 3 months simple interest, or an Interest Rate Differential (IRD). The benefit of this mortgage is the rate is lower than an open mortgage, making it a more popular option if you have no plans to pre-pay it in full during the term you select.

A variable-rate mortgage allows you to take advantage of decreases in Prime Rate. Most variable rate products are set below prime and terms range from 1 to 5 years in length. Payments vary depending on the product or lender you choose. In some cases you can fix your payments for up to 5 years, but the interest rate will fluctuate as the Bank Prime Rate changes. In most cases your monthly payments will fluctuate depending on how many times the Prime Rate changes during your term.

An open (term) mortgage allows you the flexibility to pay off some or the entire mortgage at any time, without triggering a pre-payment penalty. Interest rates are usually higher for this product type and are tied to Prime Rate.

A secured line-of-credit allows you to access the equity in your home whenever you choose. Rates are tied to prime rate, and are usually slightly above it. Required payment on the balance is typically interest only, making it a good choice where cash flow may be an important detail in your mortgage plan. Secured lines of credit typically offer lower interest rates than an unsecured line of credit would. Depending on your mortgage provider, you may opt to have a secured line of credit as well as a mortgage, if you have good equity in your home and you qualify. Some lenders also offer a 'stand alone' HELOC, but the options are fairly limited for this product type. 

Where are rates at TODAY?
Because I work with a wide variety of lenders I can access competitive, lower-than-advertised interest rates - and even non-advertised 'rate specials'. Check back often to see how the rates below compare to the posted rates of average banks and other financial institutions.
Want to crunch some numbers?
Use these calculators to estimate mortgage details including: what you can afford based on your income, payment calculator, rent vs. own, early renewal, and amortization.
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My (Virtual) Door is Always Open! Contact me today & let's get started on making your goals a reality!

Get in touch with me today for your free consultation!

Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.