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TMG The Mortgage Group
Let me help you finance your home!
I'll sweat the details so you don't have to.
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.
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. This way you will 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 that the rate is lower than an open mortgage, making it a more popular option especially if you do not 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. This option has lower interest rates compared to an unsecured line of credit. You may have the option of a secured line of credit and a mortgage if you have good equity in your home.

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.