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TMG The Mortgage Group Alberta Ltd.
Let me help you with your financing needs!
Any real estate purchase is an important decision, especially purchasing a home, whether it is your first or forever home. 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
    What does a mortgage broker do? Or as I like to call myself, a ‘puzzle master.’ Counsellor. Life coach. Money manager. Entrepreneur. The list goes on, but structuring and re-working applications is my jam. We work to find you a realistic scenario for your next home/business/commercial purchase.
  • One Stop Shop
    I offer one-stop convenience and impartial advice. Different financial Institutions and lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.
  • No cost to consumers
    There is no charge for my services on a standard residential mortgage transactions. The lenders actually pay a finders fee for brokers to bring qualified clients.
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.
 
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
Are you purchasing a home?
Do you need a new mortgage? I'll help you pick the right fit for you and your budget.
Is it time for renewal?
At renewal time, we can review the best mortgage options for you. Reach out at least 4 - 6 months in advance, for the best outcome.
Do you want to refinance your property?
Refinancing your home can be a good alternative for those home improvement loans, or big life purchases, such as a wedding or college gift.
Apply Now!
Renew, refinance, reset. I am here to help you with all things mortgage related.
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 revolving 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.

Today's Mortgage Rates
By working with a variety of lenders, I can access competitive, lower-than-advertised interest rates. These will change on a daily basis, so check back to get current rates.
*subject to qualifying
How Much Can You Afford?
These mortgage calculator will help you figure things out
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Qualify for your dream home today!

Get in touch with me today for your free consultation!

Whether you're looking for a first home, refinancing your current home, or just looking for options, I'm here to help.