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TMG The Mortgage Group Alberta Ltd.

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Lets make your mortgage make sense
Clear advice, real support, and a plan that actually works for you
Buying a home or making changes to your mortgage is a big decision, and it can feel overwhelming fast. I’ve been on the other side of that. Running a business, managing finances, and figuring things out when they aren’t simple. That’s exactly how I approach this with my clients. My goal is to walk you through your options, explain things clearly, and help you make a decision you feel confident in. No pressure, no confusion, just a strategy that fits your life. Whether you're buying your first home, refinancing, or just want to understand what’s possible, I’m here to help.
  • Real advice, not tied to one lender
    I’m not tied to a single bank, which means I can look at multiple options and find what actually fits your situation. My focus is helping you understand your choices and make a decision that works for you, not pushing one product.
  • I handle the heavy lifting
    Comparing lenders, rates, and options can get overwhelming fast. I take care of that for you — narrowing things down, explaining what matters, and guiding you through the process so you’re not trying to figure it all out on your own.
  • No cost to you:
    For most residential mortgages, there’s no direct cost to you. I’m typically paid by the lender, so you get guidance, support, and access to options without paying out of pocket.
Why work with me?

I’m here to make this process easier, clearer, and actually work for you.

• I compare options across multiple lenders so you’re not stuck with just one bank’s offer
• I handle the details, negotiations, and back-and-forth so you don’t have to
• I make sure you understand what you’re signing: no confusion, no surprises
• I help you choose a mortgage that fits your life, not just the lowest rate

This isn’t a one-size-fits-all process, and I don’t treat it like one.


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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Lets talk about your options!

Have questions or ready to get started? let’s chat and figure out what works for you.

Whether you’re buying, refinancing, or just trying to understand what’s possible, I’m here to help. No pressure, no commitment, just a conversation to point you in the right direction.