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TMG The Mortgage Group Canada Inc.
Whatever Your Borrowing Circumstances are, I Have Options That Work!
Thank you for visiting my website. As a trusted mortgage professional, this is what I strive to do ***I work for you, not the banks! My advise is unbiased. I always have your best interest as my top priority! ***Whatever borrowing situations you are in, whether you are first time home buyer, experienced investor or having debt issues etc., you can trust me that I'll find the best mortgage solution for you. ***Getting a mortgage can be overwhelming. With the experience I have gained over the years, I can explain the mortgage process in simple terms so you thoroughly understand what is going on. I will be there to support you through the whole process making it easy for you to receive financing. As a Senior Mortgage Consultant, I have over 24 years of experience in the industry. Before taking on the challenges of being a Mortgage Consultant, I worked for a few major banks for over 13 years. I have held positions of Senior Commercial Account Manager, Small Business Banking Manager, Business Development Manager, and Financial Advisor providing advice on residential mortgages. Coming from a banking background, I have a comprehensive understanding of the lending requirements of financial institutions. Currently, I hold the Accredited Mortgage Professional (AMP) and Financial Management Advisor (FMA) designations. I am also a member of Mortgage Processionals Canada. I speak fluent English, Cantonese and Mandarin. I provide extensive services including residentail mortgages, commercial mortgages, construction financing and private lending etc. Call me today for a free consultation!
Why Should You Use My Services?

There is 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.

 

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 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.

 

I will also 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.

 
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 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.
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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My Mortgage Blog — Latest Posts
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Falling home prices are typically welcomed by prospective homebuyers, since it means an improvement in affordability. For today’s first-time buyers, however, that’s not necessarily the...
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Is co-ownership right for you?
With interest rates rising, along with the overall cost of living, more people are turning to creative options to achieve homeownership. Co-ownership with family or friends—once a very niche...
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The Bank of Canada’s rate hikes may not be done yet
In addition to raising interest rates by another 75 basis points on September 7, the Bank of Canada also signalled that it’s not done hiking just yet. As expected, the Bank raised its overnight...
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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.