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TMG The Mortgage Group Alberta Ltd.
Who am I?
What am I?
I'm a Residential Mortgage Specialist with over 10 years of experience. But more importantly I am a husband to an amazing wife and father to three strong and beautiful girls.
  • Does getting a mortgage have to be complicated?
    The process of both getting a mortgage and understanding the “why” has become unnecessarily complicated. Maybe it’s a way for some other mortgage brokers/lenders to add in some sort of perceived value to their service, or maybe it’s just that they cannot communicate the process clearly. Either way you look at it, something is wrong.
  • What is my job?
    I feel that my job is not to educate you on every possible aspect of how a mortgage works and what each and every lender requires. My job is to provide you with clear options and directions so that you can achieve what you came to me for in the first place: to get the mortgage approved. If you want to learn more and ask more questions, no problem I’ve got you covered.
  • How much time will I spend with you?
    I will spend as much time as we need to in order to make sure you are comfortable with your decision. After all, this is likely to be one of the biggest financial commitments that you will ever enter into. I’ll do the research. I’ll breakdown the options. And then I’ll present them in a clear and honest manner, along with actionable steps so that you can make an informed decision.
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
Buying a home?
You will need a new mortgage to go with that new home. I'll help you pick the right fit for you and your budget.
Current mortgage renewing?
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
Need to refinance?
Sometimes, refinancing is your best option for a variety of reasons. I'll 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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Contact me! Let's get started today!

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.