TMG The Mortgage Group Canada Inc.
Is too much of your monthly cash flow going towards debt payments?
Let me show you how to keep more money in your hands.
Live better by using strategic mortgage financing, and long term planning.
  • Bank said they can't help?
    This is my niche. I am not tied to a specific lender. And I have access to + great relationships with, many institutions offering a wide selection of alternative financing options.
  • Bumpy credit?
    No problem. I can help you review your credit / correct errors / make a plan for the future / help you find a lender that suits your needs, where you are.
  • Between jobs? Drowning in debt? Trying to retire but can't get out of the rat race?
    I am a problem solver. Whatever is getting in the way of you living better, I can help you navigate around it.
Why me?
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
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

These are the mortgage products offered to borrowers with the least risk:

- Income that is easy to verify (employed / self employed with multiple years of income reporting to the CRA)

- Low debt (max annual debt payments including mortgage debt is no more than 44% of annual income)

- Excellent credit (beacon score over 680, with at least 3 tradelines reporting for min 3 years. Perfect payment history)

Because the borrowers who qualify are low risk, they also get the best rates. 

If you are purchasing a home and have less than 20% down, you will need to qualify with similar constraints. 

 


These products have looser constraints:

- Income can be lower / proved with bank statements' only 

- Annual debt payments can be up 60% of annual income

- Credit can be as low as 500, and show missed payments / insolvency / collections etc. 

Because these mortgages vary in risk level, rates also vary accordingly. 




Private lending is kind of like the wild west of mortgages - if you can show that a deal will work, there's a private lender who will take it. 

 A few situations where these mortgages are great solutions: 

- New to the country

- Not enough credit information

- No income, but lots of equity

- Need cash fast but can't get the documentation 

- Find your dream house but running into hurdles with financing -  secure the purchase NOW, and sort out the financing later


What rate can I get you?
Because my clients have unique and unconventional financial situations (bumpy credit / high debt loads / tricky income situations) - Best Practice = Conversation First :) Below you can see a selection of current AAA rates. Depending on the situation, B & Alt rates are generally 1-2% higher than AAA. Assessing a borrowers qualification and pairing them with the right lender / product is the end game for all brokers. Our goal is get get you in the best product, at the best rate. First things first though, I have to get to know you!
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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Contact me! Let's get started today!

Get in touch with me today for your free consultation!

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