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TMG The Mortgage Group Canada Inc.
Apply Online ! I work from home office and only work on 1-2 clients at a time. I will be dedicated to your deal through to completion.
Best rates available and in some cases I will buy rate down from my commission.
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. If your need is for commercial or investment property financing, I have over 50 years as a commercial/corporate banker, and numerous connections among major sources of financing or leasing.
  • Expertise-over 60 years in the financial industry !
    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 ONLINE 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.
  • How do I get paid ?
    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. In some cases, I will share my commission with you by buying down the rate for you. For commercial mortgages/loans, the lenders do not pay me and I will negotiate with you a fair fee structure for my services.
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. Dont accept the rate offered for renewal of your mortgage without checking with a broker to see if there is a better rate available. There usually is. 
 
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. I'm in my home office waiting for your call or your online application.
New Mortgage or First Time Buyer ?
Need a new mortgage? I'll help you pick the right fit for you and your budget. We don't need to meet face to face to do that. I have arranged many mortgages for my clients without meeting face to face. If you do prefer to meet I can meet you in coffee shops, your hotel, or your home, but usually phone, email, fax will do.
Renewal-Take your time before signing !
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy. Don't just sign the renewal that your current financial provider sends you. It is likely that they are not offering you the best rate available. I may be able to give you a better rate and in some cases I will share my commission to buy your rate down.
Refinancing
Sometimes, refinancing is your best option for a variety of reasons. You can consolidate your higher rate credit and term loans or make some renovations to your home. Let me review your options and do the hard work for you!
Its Easy ! Just click on Apply Now, or call, text or email..
I'm here to help with your commercial and residential mortgage needs, refinancing, purchases or mortgage renewals. I also have over 50 years of commercial/corporate lending experience and can assist with your business mortgage needs. I have assisted in arranging commercial/corporate loans up to $100 million, but much of my experience has been with small and medium business. Just call or email and I will send you a commercial application form and a checklist of info I will need.
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), which can be significant depending on the lender. You should know the lenders policy at the outset.  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. Or you can select variable rates based on a difference from prime, but at the present time I am recommending fixed rates which are at historically low levels.

 


Do you have the funds to live in retirement that you've been dreaming of? If you're like many Canadians you may find yourself house rich but short on funds for everyday expenses, or the travel you've always wanted. The good news is that if you're a homeowner 55 plus there's a solution to help you live the life you've always imagined.
 
You can access up to 55 % of your home;s value with the CHIP Reverse Mortgage from Home Equity Bank You retain 100% ownership of your home. The title and ownership of your home belong to you and not the bank. 
 
The money you get is tax free. It also doesn't impact your OAS , or Guaranteed Income Supplement.
 
You decide how to spend the money you get. You can use the net proceeds from your CHIP Reverse Mortgage to make home renos or retrofits, pay unexpected expenses, financially help children or grandchildren, or purchase a second property.
 
There are NO regular mortgage payments required. Once you decide to leave your home, the interest and principal and any applicable charges are simply paid off from the proceeds of the home sale. You are still required to maintain your property taxes, fire insurance, and condominium or maintenance fees.
 
NO negative equity guarantee. You will never owe more than the fair market value of your home with the CHIP Reverse Mortgage.
 
Lets talk about the retirement fund potential of your home. Give me a call 250-228-5980 or text to find out more. 
 
I am a Certified Reverse Mortgage Specialist.



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 can  be as low 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.
Rates are shown with daily updates. In some cases, with minimum mortgage of $250,000, I may buy rates down from my commissions. Some conditions apply.
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.