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TMG The Mortgage Group (Ontario) Inc.
Don't get a Mortgage, get "A Mortgage Plan"
Learn how to Hack your Mortgage and pay it off in 1/3rd to 1/2 the time
"Welcome to a new era of mortgage strategy where we believe it's not just about getting a mortgage, it's about getting 'A Mortgage Plan.' Our Toronto-based brokerage specializes in crafting personalized mortgage solutions that are more than just loans; they are pathways to financial empowerment. Our approach, centered around 'Mortgage Hacking,' is designed to help clients save on taxes, accelerate mortgage payoff, and enhance their net worth. We cater to first-time homebuyers, property investors, and homeowners seeking refinancing, offering guidance and expertise to navigate the complexities of the mortgage landscape. Join us in transforming your mortgage into a tool for financial growth and stability."
  • Experience and Expertise in Mortgage Industry
    With years of experience in the mortgage industry, we have honed a deep understanding of the market dynamics. Our journey has been fueled by a passion for helping clients navigate the complexities of home financing. We specialize in creating personalized mortgage solutions, ensuring each client receives a plan that aligns with their financial goals.
  • Innovative Approach to Mortgages
    We believe in thinking outside the traditional loan box. Our innovative approach, centered around 'A Mortgage Plan,' is more than just securing a loan – it's about crafting a financial strategy. This approach includes unique elements like tax-saving techniques and methods to accelerate mortgage payoff, setting our clients on a path to financial freedom.
  • Commitment to Client Success
    At the core of our service is a relentless commitment to the success of our clients. Whether you're a first-time homebuyer, looking to refinance, or seeking investment opportunities, we ensure a transparent, supportive, and educational journey. Our aim is to turn the dream of homeownership into a stepping stone for long-term financial prosperity.
What You Get From Our Services:
Choosing our services means embarking on a guided journey to achieving your homeownership and financial goals. Clients benefit from my comprehensive knowledge of mortgage products and market trends, ensuring they receive the most advantageous terms. You'll gain access to tailored strategies that go beyond conventional mortgage advice, focusing on holistic financial health. Our commitment to your success translates into continuous support, from initial consultation to finalizing your mortgage and beyond. You're not just getting a mortgage; you're getting a partner in your financial journey. Together, we'll navigate the intricacies of the mortgage world, leveraging opportunities to enhance your financial wellbeing and laying the groundwork for a prosperous 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 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.