Let's Chat: 604-449-1484
|
TMG The Mortgage Group Canada Inc.
Let me help you finance your home!
I'll sweat the details so you don't have to.
I love to see my clients prosper and do well both financially and emotionally. Thanks to being extremely detail and results orientated, and having a belief in the importance of strong relationships, I am able to find specific solutions for my client’s overall financial and lifestyle needs. I look forward to helping my clients meet the challenges ahead with customized advice backed by my extensive experience. I have been actively advising in the banking and lending industry since 1992 and became an Independent Mortgage Broker in 2010. My career, which started in Whistler, has stretched across numerous industry divisions including Commercial Banking, Personal Lending, Construction Financing, Cash Management, mortgage underwriting, business development, and now mortgage brokering. In addition to my career journey, I have first-hand experience with tax preparation, home building (8 homes built so far), purchasing foreclosures, buying and holding rentals, re-zoning property for increased density, and purchasing a pre-build in BC and Calgary. Having held mortgages with at least 10 different lenders, I have gained valuable knowledge of their interactions and policies. I am an avid traveller, having visited over 40 countries which include extended stays in Africa, India, Thailand, Cambodia, The UK, Australia, New Zealand, Mexico, and Colombia, where I studied Spanish at the University of Bogota. I enjoy giving back to the community through initiatives like Big Sisters of BC Lower Mainland where I was not only a Big Sister but participated on the Board of Directors. Other efforts include work with the Vancouver Art Gallery and the Forum for Women Entrepreneurs. In 2024, after providing invaluable support to me for several years, Jonathan Buffone officially became a partner in my business. Jon has a been in the financial services industry for over ten years and a licensed mortgage professional since 2016. He has a core focus on excellent service, planning, and communication with clients. I love that my clients now have two Professionals working on their behalf. While the mortgage process may feel daunting to some, it is our heartfelt intention to listen deeply to our clients, both the spoken and unspoken messages, about what is important. We put ourselves in our clients' shoes and work tirelessly to source individualized, specific solutions that will meet our clients' short and long term goals. We look forward to working with 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
My Happy Clients
Subscribe to My Newsletter
Get the latest news on the home-ownership, mortgage news and more...
My Mortgage Blog — Latest Posts
May employment growth fuelled by part-time positions
The Canadian economy continued to see a net rise in new jobs created last month, however all of the gains consisted of part-time positions. Statistics Canada reported today that the...
Read More
What does today’s Bank of Canada rate cut mean for borrowers?
What does today's Bank of Canada rate cut mean for borrowers? Today's decision by the Bank of Canada to lower its key lending rate by a quarter point to 4.75% is welcome news for...
Read More
Economists: Q1 GDP Growth Slump Strengthens Case for June Rate Cut
The Bank of Canada now has more reason to pull the trigger on a rate cut when it meets next week following the release of Q1 GDP data. Data released by Statistics Canada on Friday showed...
Read More
Inflation eased in April in line with expectations
Canada's headline inflation rate slowed in line with forecasts, easing to a pace of 2.7% in April, Statistics Canada reported. The reading was in line with the consensus forecast and down...
Read More
View More
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.