Buying, renewing, or refinancing, you make one application and we take it to the lenders that fit you. We make the confusing parts clear and stay on your side from first question to funding.
A mortgage is one of the biggest financial decisions you will make, and the options change with rules, rates, and your own life. Our job is to make it clear and find the structure that fits, not just today's payment. We are mortgage brokers, here to help you decide with the full picture.
A few rules drive most residential deals in Canada. Here is the general landscape. These are illustrative starting points, not offers, and your situation can change them.
A bank can offer you its own products. As brokers, we take one application and bring it to a broad range of lenders, then structure it to fit you and manage it to close. As part of TMG The Mortgage Group, we have the access of a national network with the care of a local, team-based brokerage.
Banks, credit unions, and other lenders, through one conversation, with private options to review only when they fit.
We match you to the right product and term, not just the lowest sticker, and explain the trade-offs.
We package and present your file, and we stay with it through underwriting and conditions.
Plain language, every term defined, no pressure. You decide; we make sure you can.
A quick conversation about what you want to do and where you stand today.
One application, the right lenders, and a clear read on what fits and why.
We present your file properly, handle the back and forth, and keep you posted.
Through approval, conditions, and funding, with us in your corner the whole way.
We help you understand what you qualify for, what it will cost beyond the price, and how to make a confident offer.
Do not just sign the renewal letter. We review whether staying or switching serves you better, before the deadline.
Renovate, consolidate higher-interest debt, or free up funds to invest. We structure it around the goal, not just the rate.
Start with an estimate, then bring us the details and we will confirm your real options.
Estimate your payment, monthly or bi-weekly, with Canadian compounding.
CalculatorA starting estimate based on income, debts, and down payment, at the qualifying rate.
CalculatorA side-by-side look at where you could stand after a few years.
CalculatorSee how an accelerated schedule can shorten your amortization.
ResourcesPlain-language reads on renewals, closing costs, credit, and more.
It depends on your income, your debts, your down payment, and the qualifying rate lenders must use, which is higher than your actual rate. Our affordability calculator gives a starting estimate, and we will confirm your real range together. Any figure is illustrative, not a pre-approval.
Lenders qualify most borrowers at the higher of your contract rate plus 2% or a set minimum qualifying rate. It is meant to confirm you could handle a higher rate later. It can affect how much you qualify for, which is why a realistic estimate matters before you shop.
There is no single right answer. It depends on your plans, your comfort with payment changes, and the current market. We walk through the trade-offs so you can choose with confidence. We do not steer you to a product; we help you decide.
Not without a look. Your current lender's first offer is not always your best move. We review whether staying or switching serves you better, ideally a few months before your maturity date, so you have time and leverage.
Yes. Self-employed and commission income often needs the right lender and the right documentation rather than a one-size-fits-all box. Matching that is exactly what a broker does.
On most standard residential deals, the lender pays our compensation, not you. If a situation is different, we tell you clearly and up front before you commit to anything. No surprises.
Tell us where you are and what you want to do. We will take it from there. You are more than just a client. You are our priority.
Mortgage options are subject to lender review, credit review, and supporting documentation. Submission of this form does not guarantee approval or financing.