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TMG The Mortgage Group (Ontario) Inc.
*** SERVICE - SAVINGS - SAFETY ***
NEW PROGRAMS *** MORE SAVINGS *** MORE FLEXIBILITY
While business may be done a little differently now as we adapt to the new environment, I’m still working diligently in your best interests to find the right mortgage solutions to best suit your needs! Over the last few months, we've been working closely with our Lender Partners who have been busy developing timely, innovative and practical solutions to meet the unique needs of today's lending environment. As such, we are pleased to announce that through our team of Lender Partners, we have some exciting new programs available, offering greater flexibility and more savings! And as always, I’m here to support you throughout the entire process, from application to closing. The mortgage industry has undergone some radical changes and has become much more complicated over the last few years, and even more so during these challenging times. What has become clear is that, now more than ever, everyone needs a champion - I’ll sweat the details so you don’t have to! WITH OUR MUTUAL SAFETY AT THE FOREFRONT OF OUR MINDS . . . I'm pleased to share some more great news with you! Exclusively through TMG, it is now possible to complete the ENTIRE document collection and submission process - NO CONTACT !!! Plus, there's NO NEED to use a printer, fax or scanner! Using our proprietary and secure, closed-loop document collection and management system, it is now safer, faster and smoother - for everyone involved - to process a mortgage transaction, from start to finish! In these difficult times, I’m here for you. I’m devoted to answering your questions and working within TMG’s broad lending network to find and secure the best available options to meet your mortgage and lifestyle financing needs. With best wishes from our #TMGfamily to yours, May we all stay safe, healthy and happy!
  • Full-Support Mortgage Solutions
    In these difficult times, we’re here for you. We are devoted to answering your questions and working within our broad lending network to find and secure the best available options to meet your mortgage financing needs, for now and into the future. Our offices may be closed but we’re still here to help, still working in your best interests to find the right mortgage solutions to best suit your needs. We’re still reviewing the best options together and supporting you through the entire process, from application to closing.
  • Mortgage Customization - Planning For Your Lifestyle Dreams
    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 pursue your lifestyle dreams, choosing the right mortgage can help you achieve your lifestyle goals.
  • Safety First - "No-Contact" Document Collection & Management Portal
    Safety and speed are of utmost importance in our current mortgage transaction environment and TMG is here to help. Exclusively through TMG, it is now possible to complete the document submission process ENTIRELY REMOTELY, and WITHOUT using a printer, fax or scanner. Using our proprietary and secure, closed-loop document collection and management system, it is now safer, faster and smoother for all involved to process a mortgage transaction - from beginning to end.
Why Should You Use My Services - Because Everyone Needs a Champion!
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.

Save Time & Money - "Top 5 Mortgage Renewal Tips - To Save You Time & Money".  All mortgages are not created equally, and depending on your financial goals, I will ensure the mortgage you receive helps you with those goals. 
 
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
*** SERVICE - SAVINGS - SAFETY ***
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