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TMG The Mortgage Group (Ontario) Inc.
Assisting Clients with their 'right to own' for over 20 years
Lets make sure your finances meet your ownership goals
You have a right to own a home in our beautiful country. Purchasing your home is the most important financial decision and you should be confident about 'where you hang your hat'. 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. Thinking of becoming an investor? Lets take the 'right' business approach to financing your 'right to own'.
  • Expertise
    Assisting over 2500 clients with financing their 'right to own' places me in a unique position to offer quality, and trusted advice. I specialize in financing the home of your dreams as well as investors looking to add to their wealth portfolio.
  • Save you time with one-stop shopping
    Let the experience gained from previous clients work for you. Instead of spending your valuable time meeting with competing mortgage lenders. Invest your time with me and let me guide you to the lender that meets your goals. All of this can be done from the convenience of your home through skype, conference calls, or a convenient meeting.
  • What? No Charge to you?
    There absolutely is a charge to you. I charge you with passing my name along to a friend or co-worker that could use my assistance. Its how we create a successful business! And like many other professional services, mortgage brokers are paid a finder's fee by the financial institution when your perfect mortgage is completed successfully.
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 'Right to Own'
New Mortgage for that Dream Home
Need a new mortgage? I'll help you pick the right fit for you and your budget.
Looking Increase Your Wealth Portfolio
Purchasing an investment property should be on everyone's Bucket List. But getting there is the question? I look at purchasing an investment as a business decision and you should be receiving the financing that matches.
Refinancing
Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you! There is more than one way to qualify! Rules are constantly changing, use my services to ensure your application is in the right direction.
Get started with your 'Right to Own' Apply Now!
Lets get the road map to success started with an application. It will put us on the right road to ownership. Fill in what you know and I will contact you for the rest. Cheers!
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 but maybe not Tomorrow
Because I work with a wide variety of lenders I can access competitive interest rates. Check back often to see how these rates compare to average branch rates. They could be the same or better, and if they are, reach out to me to discuss if they meet your 'right to own'
*rates are subject to change and are based on qualification. Its always best to contact me to discuss special discounts that could be available based on market conditions.
But What About the Numbers?
Use this mortgage calculator to help you figure things out
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Contact me! Let's get that road map to success started today!

Get in touch with Me Today for your Magical Consultation!

Put my experience and independence to work for you. Be informed when researching the best options for you and who knows, it may be a Magical Moment towards your 'Right to Own'