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TMG The Mortgage Group Canada Inc.
Integral. Accountable. Committed to helping you.
Getting a mortgage should be exciting and stress-free! Let me answer any questions you may have and find the right solution for you!
As a father, businessperson, homebuyer, volunteer, and advocate, I bring a blend of collaborative thinking, negotiation skills, financial expertise, and a passion for helping others navigate life's milestones to the mortgage process. With experience in negotiating complex deals and guiding individuals through significant decisions, I prioritize your needs and goals, securing favorable mortgage terms and rates. Leveraging my network of lender relationships built over years of business, I can offer competitive rates and 'Taylored' solutions not easily found elsewhere. I'm committed to personalized service, understanding that each person's financial situation is unique. Whether you're a first-time buyer, or refinancing, I'll work tirelessly to customize a mortgage strategy that aligns with your goals and maximizes your financial potential. REMEMBER, THIS IS YOUR MONEY...LET'S MAKE IT WORK FOR YOU!
  • Integrity
    I prioritize your financial well-being and peace of mind above all else. With a foundation built on trust and transparency, I'll work tirelessly to understand your unique needs and goals, ensuring that the mortgage solution we find together aligns perfectly with your aspirations. From navigating complex paperwork to securing favorable terms and rates, I'll be your unwavering advocate every step of the way. Together, let's unlock the doors to your dream home with integrity as our compass.
  • Compassion
    Buying a house is a deeply personal milestone. With compassion, I approach each client's journey with empathy and understanding. I recognize that behind every application is a story, a dream, and a family's future. As your mortgage advisor, I'll listen attentively to your needs, concerns, and aspirations, ensuring that you feel supported and empowered throughout the process. Whether you're a first-time buyer or a seasoned homeowner, my goal is to alleviate your worries and instill confidence as we navigate the complexities of mortgage financing together. Let's embark on this journey with compassion as our cornerstone, turning your homeownership dreams into a reality filled with warmth and understanding.
  • Collaborative Expertise
    I work in collaboration with my clients and I assist them on their homeownership journey by meticulously exploring every mortgage avenue and customizing solutions tailored to their unique aspirations and financial objectives.
Why Should You Use My Services?
Did you know that you CAN negotiate your mortgage? 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.
 
How do you find and compare different offers?  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.
Remember, this is your money...let's make it work for you!
New Mortgage
Buying a home is a monumental time in your life. Let's make this experience as enjoyable and stress-free as possible! Let's discuss your priorities and what is important to you, so we can find a solution that works for you.
Mortgage Renewal
The lending landscape has changed quite a lot over the past 3 years. When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
Refinancing
Love your current home and want to renovate instead of move? Let's identify a solution that will allow you to leverage your home's equity to borrow money that you can use to increase your home's value!
Get started with your application now!
I'm here to help with your mortgage needs, refinancing, new home purchases or mortgage renewals.
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.

The Rates, Today
Because I work with a wide variety of lenders I can access competitive, lower-than-advertised interest rates. Check back often to see how these rates compare to average bank rates.
Helping people navigate the borrowing landscape in order to buy their dream home is why I got into this business in the first place! Let me do the research and find out what mortgage offer makes the most sense for you!
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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Contact me! Let's get started today!

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.

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