Let's chat: 604-313-2687
TMG The Mortgage Group Canada Inc.
Common Sense Mortgage Solutions, First Time Home Buyers, Best Rates. Call me: https://meetme.so/TrishNeufeld1
Find out how much you qualify for by the end of the call.
I help you find the best financing solution for your needs with access to over 200 banks/mortgage lenders. I act in your best interest, researching and filtering through dozens of options. I will help you make key decisions and then support you through the application and closing process.
  • Expertise
    I provide 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, finding the best rates and terms.
  • Save 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 is no charge to my clients for my services. 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. Even if you have an existing relationship with your branch, TMG does millions 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.
 
I am available on evenings and weekends and I always answer my phone. I know that time is of the essence and so I make myself available to you on your terms.
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New Mortgage
Need a new mortgage? Let's see how much you qualify for. I'll help you pick the right fit for you and your budget. Apply Now for your free report.
Renewal
When it comes time to renew your mortgage, let's see how we can save you some money and choose the best option.
Refinancing
Sometimes, refinancing is the best way to save money. 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 all your mortgage needs. Apply now or call me with your questions.
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 Best Rates
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!

I'm here to help. Call me anytime 604-313-2687 or email trish.neufeld@mortgagegroup.com