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TMG The Mortgage Group (Ontario) Inc.
Your Local Mortgage Agent
Hello and Welcome!
Buying a home is one of the most meaningful investments you’ll ever make. It’s not just about numbers — it’s about your future, your family, and your financial peace of mind. You deserve to feel confident knowing you’re working with someone who truly has your best interests at heart every step of the way. With over 18 years in the mortgage industry, I bring both experience and perspective to every client relationship. I spent 10 years with major banks before transitioning to the broker channel in 2018. That move allowed me to offer more flexibility, access to multiple lending partners, and ultimately better solutions tailored to each client’s unique situation. What I love most about what I do is building genuine relationships. By really getting to know you, I can create personalized mortgage strategies designed to fit your life — not just today, but for the years ahead. Choosing the right mortgage isn’t only about securing a great rate; it’s about structuring a solution that supports your immediate needs while helping you achieve your long-term goals. Your dreams matter. Your goals matter. And together, I’m confident we can create a plan that helps bring them to life.
  • Expertise
    You deserve advice that’s thoughtful, transparent, and truly centered around you. Because I’m not tied to any one lender or product, I’m able to offer independent, expert guidance tailored to your unique financial goals. My role is to present options that genuinely fit your needs — giving you clarity and confidence in your decisions.
  • Save you time with one-stop shopping
    Your time is valuable, and the mortgage process shouldn’t feel overwhelming. Instead of meeting with multiple lenders and trying to compare everything on your own, I do the legwork for you. I’ll narrow down the options to lenders that align with your goals, making the process simple, efficient, and stress-free. You get clear comparisons and straightforward advice — all in one place.
  • No cost to you
    For most residential mortgage transactions, there’s no direct cost to you for my services. Similar to other trusted professionals, mortgage brokers are typically compensated by the lender through a finder’s fee for introducing qualified clients. That means you benefit from personalized guidance and access to multiple lending options — without added expense.
Why Should You Use My Services?

When it comes to your mortgage, you don’t have to navigate the process alone — I’m here to advocate for you every step of the way.

Many people feel unsure or uncomfortable negotiating directly with their bank, even if they have an existing relationship there. The good news? You don’t have to. Through my strong lender relationships with a wide range of lending institutions and the millions of dollars in mortgages funded each year, I’m able to leverage those connections on your behalf. My goal is to negotiate competitive rates and favourable terms that truly work for you.

Even if you’ve already been pre-approved by your bank or another lender, you’re never obligated to stop exploring your options. I’m happy to take a closer look and see if there’s an alternative that better aligns with your needs and long-term plans. A second opinion can make a meaningful difference.

And let’s talk about customization — because not all mortgages are created equal. The right mortgage isn’t just about the rate; it’s about how it’s structured to support your financial goals. Whether you’re purchasing a home, renovating, refinancing, or exploring strategies to make your mortgage interest tax deductible, I’ll ensure your mortgage is designed to help you move forward with confidence.

This is about more than financing a home — it’s about building a plan that supports your future.

 
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, mortgage renewals or a mortgage check-up.
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.

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My Mortgage Blog — Latest Posts
Home sales slump to start 2026 as correction deepens
Canada's housing market began the year on a soft note, with home sales falling 5.8% from December, according to the Canadian Real Estate Association (CREA). Compared to January 2025, sales were down...
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Rates on hold as the Bank of Canada waits for clearer economic signals
The Bank of Canada held its key policy rate at 2.25% today, a decision that came as no surprise to markets and economists. More importantly, the Bank signalled that it isn’t in a rush to move...
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Canada closes 2025 with balanced market conditions as December sales soften
Canada’s housing market lost some steam in December, closing out 2025 on a quieter note. Home sales fell 2.7% from November, according to the Canadian Real Estate Association (CREA). Compared to...
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The Bank of Canada hit pause. Is this as low as rates will go?
The Bank of Canada held its policy rate at 2.25% this week, a decision most had already been expecting. After four cuts over the past year, the question now isn’t what just happened, but what comes...
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Get in touch with me today for your personalized plan!

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