Let's chat: 780-913-0730
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TMG The Mortgage Group Alberta Ltd.
Let me help you finance your home!
I'll sweat the details so you don't have to.
I am a mobile Mortgage Professional, so being mobile it means you can have an experienced mortgage specialist meet with you in the comfort of your home or office at your convenience. Together, we can discuss your mortgage needs, review options and then customize a solution that works best for you. As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. By shopping wisely, I can find the mortgage that best suits your financial needs. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility. By presenting your requirements to a variety of Canada's major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours. Purchasing a home is the largest investment most of us make in our lifetime. Often we, as consumers, feel stressed and overwhelmed by all the products and choices available. As a mortgage professional I provide free service in my area of expertise. I provide up to date knowledge on new products and services, professional advice, and expertise in mortgages. My main objective is that my clients obtain financial security by ensuring that they obtain the best possible mortgage financing. This means that I devote the majority of my professional time to educating my clients about Mortgages and focusing on their needs. My passion for my clients is demonstrated through daily interactions with them. My strong belief in customer satisfaction and a down to earth small town attitude has earned me a role as a respected professional in my industry. Some of you have known me many years & others may have just met me, but what you all know is that the way I like to do business is to provide exceptional customer service & to build lifelong relationships with my clients. WHAT CAN A MORTGAGE BROKER DO FOR YOU??? As discussed above my job is to find the best mortgage for my client by getting the best rates & products available. Some people think it will cost them money to use a broker when in fact it is free, I get paid directly from the lender. I do all the work bargaining with the lenders & do all the paperwork for you, so that it's a simple stress free process of getting the financing for your new home.OAC The difference with going to your bank or a broker is a broker does so much business with each lender, and has the right bargaining tools to make the lenders offer us the lowest rates to gain the business. The benefit is to you receiving the much lower rates! So on most posted rates I can get less than what your bank could be offering you, most of the time with the same lender you got that original offer from. 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. You may not need my assistance today, but tomorrow or when you know of a friend or family member that can benefit from my free services please do not hesitate to contact me. Some popular mortgage's I specialize in are: • Pre-Approvals, First Time Home Buyer, Traditional Mortgages • Cash Back Mortgages • New Construction, New to Canada & Self Employed • Refinance using current equity • Recreational, Second Homes, Revenue Properties • Self Employed Income, Previous Credit Problems, Second Mortgages Your satisfaction and subsequent referrals are the basis for my future business. I value you and promise that you and anyone you refer to me will receive the top level of service, trust and dedication that you deserve. Thank you for taking the time to read & I hope that I can be of some assistance to you, your family & friends. You and your efforts are greatly appreciated, so if you or someone you know have any questions please email or call me any time at: 780-913-0730 or 1-877-828-5041 Thank You! Thank You! Thank You! A very special thank you to all of my previous clients and friends who have already graciously referred me to their friends, family coworkers and neighbors. My business & success is based on referrals from great people like you!
  • Expertise
    I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs.
  • Save you time with one-stop shopping
    Instead of spending your valuable time meeting with competing mortgage lenders, I can quickly narrow down the list of lenders that will help you achieve your financial goals. I will make your comparison-shopping fast, easy, and convenient.
  • No charge to you
    There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are paid a finder's fee when we introduce dependable clients to a financial institution.
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
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
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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.