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TMG The Mortgage Group (Ontario) Inc.
Let me help you finance your home!
Taking the stress our of the "Stress Test"
Purchasing a home is an important decision and you should be confident about your investment. I will work with you personally to offer you valuable insight throughout the process, save you time and find the mortgage that best suits your situation.
  • Expertise
    Count on me for unbiased, expert advice tailored to your financial needs. Unlike others, I'm not bound to any specific lender or product, allowing me to handpick mortgage options perfectly suited to you.
  • Streamlined Solutions
    Avoid the hassle of meeting multiple mortgage lenders. I'll swiftly pinpoint the best options tailored to your financial goals, making comparison shopping a breeze. Fast, simple, and convenient.
  • Complimentary Services
    My services are free to you for standard residential mortgage transactions. Like other professional services like insurance, I receive a finder's fee for connecting reliable clients with financial institutions.
Why use a mortgage agent?
Let me handle the negotiation for you. Many find it daunting to negotiate directly with their bank for mortgages. Even if you have a relationship with your branch, TMG conducts millions in transactions annually with various lending institutions, fostering robust relationships. Leveraging this, I negotiate your mortgage to secure competitive rates and terms in your favor.

I'll also ensure you secure optimal rates and terms. Even if you're pre-approved by your bank or another institution, keep exploring! I'll research on your behalf to find alternatives that better fit your requirements.

Do you know about mortgage customization?

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
Arranging a Mortgage
Need a new mortgage? I'll help you pick the right fit for you and your budget, whether for a new home purchase, renewing your existing mortgage, or simply refinancing. I'll guide you through every step to ensure you make informed decisions and secure the best possible terms for your financial situation and homeownership goals.
Renewal
When it's time for your mortgage renewal, it's crucial to shop around for better rates and products to ensure you're getting the best deal possible. As your mortgage agent, I can help streamline this process. I leverage my industry expertise and extensive network of lenders to find you competitive rates and suitable products tailored to your needs. Many people don't realize that switching to another lender during renewal isn't costly. In fact, the lender often covers legal fees, and in many cases, there's no cost for an appraisal either. This means you can explore your options without worrying about additional expenses. Together, we'll review your options, compare rates and terms, and ultimately secure the most favorable renewal for you. Don't settle for less when it comes to your mortgage renewal—let's work together to find you the best rates and products available.
Refinancing
Refinancing your mortgage can be a game-changer, offering the dual benefit of reducing interest rates and consolidating debt to lower monthly payments. By refinancing, you can secure a lower interest rate, potentially saving you a significant amount of money over the life of your loan. Additionally, consolidating high-interest debt into your mortgage can result in a single, lower monthly payment, simplifying your finances and improving your cash flow. It's a strategic move that not only helps you save money but also puts you on the path to financial stability.
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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Get in touch with me today for your free consultation!

Whether you're looking for a first mortgage, shopping for a Mortgage renewal rate, or refinancing your current home, I'm here to help.