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TMG The Mortgage Group (Ontario) Inc.
Let me help you finance your home!
I'll sweat the details so you don't have to.
Let me assist you in financing your dream home in Niagara! I’m dedicated to sweating the details so you don’t have to, ensuring you're confident in your investment. Whether you're a first-time home buyer seeking the best mortgage rates or looking to refinance in Niagara Falls, St. Catharines, Grimsby, or anywhere else in the Niagara Region. I will work with you personally to provide valuable insight throughout the process. My goal is to save you time and find the mortgage solution that best suits your situation, from mortgages in Niagara to home loan refinances across Ontario.
  • Expertise
    Benefit from independent advice on your financial options. Unlike being tied to specific lenders, I offer a wide range of mortgage products tailored to your unique needs, ensuring the best match, whether you’re wondering where to start purchasing a home or refinancing your home in Niagara.
  • Save you time with one-stop shopping
    I streamline your search by narrowing down the list of the best mortgage lenders in Niagara that align with your financial goals, making your mortgage comparison shopping in areas like Niagara Falls, St. Catharines, Grimsby, Lincoln, Welland and Fort Erie fast, easy, and convenient.
  • No charge to you
    My services on typical residential mortgage transactions are completely free. Like many professional services, mortgage brokers are compensated by financial institutions for introducing dependable clients, allowing me to focus on your needs without any cost to you. If you’ve ever wondered, “Who’s the best mortgage broker near me?” Look no further!
Why Should You Use My Services?
I will negotiate on your behalf. Many find negotiation mortgages directly with banks challenging. My strong relationships with lenders across Ontario, including overlooked areas of Niagara like Grimsby, Lincoln and Fonthill empower me to negotiate competitive rates and favourable terms on your behalf. 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 and 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, remember that you're not limited to just one option. The search for "the best mortgage agent near me" is over! I can investigate on your behalf to find alternatives with the best mortgage prices that may 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.
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
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.