TMG The Mortgage Group (Ontario) Inc.
NEW PROGRAMS *** MORE SAVINGS *** GREATER FLEXIBILITY
While business may be done a little differently now as we adapt to the new environment, we’re still working diligently, always in your best interests, to find the right mortgage solutions to best suit your needs! MORE SAVINGS - GREATER FLEXIBILITY … Our Lender Network continues to work diligently, creating practical new mortgage product options, offering Greater Flexibility and More Savings, to help support our clients in successfully navigating through these unprecedented times. ENHANCED SAFETY … To enhance our mutual safety, TMG has recently launched our exclusive... “No Contact” Deal Processing System. The process is easy to use and convenient, without the 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! YOUR TMG SUPPORT TEAM ... As always, our team is here to support you throughout the entire process, from application to closing. Now more than ever, everyone needs a champion - we’ll sweat the details so you don’t have to! * * * SUPPORTING OUR COMMUNITIES ... We, at TMG The Mortgage Group, are proud sponsors of the Breakfast Club of Canada, because we believe in supporting the dream of "Feeding All Canadian Children”.(https://www.breakfastclubcanada.org)
  • Full-Support Mortgage Solutions
    While our offices may be closed, we’re still here to help, still working in your best interests to find the right mortgage solutions to best suit your needs. As always, we’ll review the best options together, then support you throughout the entire process, from application to closing.
  • Mortgage Customization - Planning For Your Lifestyle
    Do you know about mortgage customization? All mortgages are not created equally. Before selecting a mortgage product, find out what options and features may be available for your situation. Customizing your mortgage could save you thousands of dollars! Whether purchasing your first home or a vacation home, whether you’re refinancing to renovate or to consolidate debts, find out how customizing your mortgage can help you achieve your lifestyle goals.
  • Enhanced Safety and Convenience
    Exclusively through TMG, it is now possible to complete the entire document collection and submission process with NO CONTACT NECESSARY and with 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 all involved to process a mortgage transaction - from start to finish.
What is the 'TMG Experience' ?
SOURCING THE BEST MORTGAGE OPTIONS TO MEET YOUR LIFESTYLE NEEDS ...

FAST - EFFICIENT - CONVENIENT
*  It's fast, efficient and convenient. We act in your best interest, researching and filtering through hundreds of loans and products with over 50 mortgage lenders. 
 
SOURCING SOLUTIONS FROM A LARGER POOL OF OPTIONS 
*  Unlike banks, offering only their own mortgage products, TMG can offer an array of mortgage options and solutions, sourced from a larger pool of lenders. 

SUPPORTING YOU THROUGHOUT THE PROCESS
*  We review the best options together, make critical decisions and support you throughout the entire process - from application to closing.


 
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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