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TMG The Mortgage Group
Find the perfect mortgage for you
Whether it's your 1st mortgage, a new build, you need to renew or explore refinance options, I do the work for you, for FREE!
Working with me vs. your bank is like getting the VIP membership vs. the basic plan membership. You'll get a better experience and service, access to the best rates and mortgage options in the market without being limited, someone in your corner negotiation on your behalf and providing independent financial advice. I don't have set business hours, so you can reach me anytime - day, evening, weekend or holidays. PLUS, it costs you nothing to work with a broker. You'll get the upgraded experience with your mortgage and home buying experience at no extra cost!


  • 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.
  • No charge to you
    There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are paid a finder's fee when we introduce dependable clients to a financial institution.
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 Bank for Your Mortgage
Buying a Home?
The first place to start is talking to an independent Mortgage Broker like myself! I'll give you the best pre-approval you can find and walk you through the home buying process if you are a first-time home buyer. I do the research to find you the best rate and mortgage product for your budget.
Upcoming Mortgage Renewal?
Research is equally as important at renewal time as it is when you purchased your home. I can make the renewal process simple, quick and easy by handling the research for you. I'll find you the best rates and mortgage products for your current situation. Things change in your household year by year, so a mortgage checkup at renewal us crucial.
Need to Refinance?
There are many reasons to refinance your mortgage: obtain a lower rate, pay off debt, increase amortization for a lower payment, renovate or take out cash for investments, a down payment for a new home or post secondary education
Start your home ownership journey!
I'm ready to make mortgage magic happen for you! No matter what your mortgage needs are, you can trust you are in good hands.
Types of Mortgages

A fixed 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, 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 today's low Prime Rate. Most variable rate products are set below prime, terms range from 1 to 5 years. 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 other cases your monthly payments will fluctuate depending on how many times the Prime Rate changes during your term.

An open mortgage allows you the flexibility to pay off some or the entire mortgage at any time, without penalty. Interest rates are usually higher and are tied to the Bank's Prime Rate.

A secured line-of-credit allows you to access the equity in your home whenever you choose. Rates are tied to prime, usually slightly above prime. Required payment on the balance is interest only, making it a good choice where cash flow may be important. Lower interest rates compared to an unsecured line of credit. You may have a secured line of credit and a mortgage, if you have good equity in your home.

Today's Rates
Being with TMG, I work with a wide variety of lenders and have access to competitive, lower-than-advertised interest rates. Check back often or call me to see how these rates compare to average bank rates!
How Much Will Home Buying Cost You?
Use these various this mortgage calculators to help you figure it out!
What my clients are saying about me
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My Mortgage Blog — Latest Posts
Bank of Canada's fourth consecutive rate cut brings more relief to borrowers
The Bank of Canada delivered a 50-basis-point (bps) rate cut on Wednesday, bringing its policy rate to 3.75%, its lowest level in two years. This marks the fourth straight...
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What happens if you miss a mortgage payment?
Missing a mortgage payment can be a stressful experience, but it's important to know what to expect if it happens and what options are available to prevent long-term...
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Federal program introduces easier refinancing for homeowners adding rental suite
The federal government announced a new mortgage refinancing program designed to help homeowners add secondary suites—such as basement apartments or garage conversions. The...
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Big week for mortgage rules: Feds announce key reforms
It’s been a big week for mortgage news, with both the federal government and OSFI rolling out important updates. The government has shared more details on its mortgage reforms, like...
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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!