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TMG The Mortgage Group Canada Inc.
Let me introduce myself!
“Mortgages are not just rates, they are one of the best vehicles to manage your cashflow and gain wealth”
Let me introduce myself. My family and I live in Langley and I am the proud mother of Alexandra, almost 20, wife to my wonderful husband who wishes he was a pro golfer and is always on the golf course and new puppy, a lab retriever mix named Koda, who now rules the house. I have worked as a mortgage broker for more than 15 years helping hundreds of BC families create a financial game plan they can work with. My background is in science and I graduated from the University of Calgary in 1988, the year they hosted the Olympics. Shortly after graduating I realized that I was an entrepreneur at heart. I managed a family business, and then entered the world of financial planning with my husband and gained my Certificate in Financial Planning in 2001. In 2009 I took an opportunity to be the BC representative for a rapidly growing mortgage brokerage and never turned back. In 2010 I was named rookie of the year for Firstline Mortgages - the Mortgage arm of CIBC. To be in your forties and considered a rookie in anything is really something!!! My recognition came from innovation, out performing competitors and building a strong industry. My science background and love of numbers combined with my financial planning experience gave me a unique perspective on the mortgage industry. Mortgages are not just rates, they’re one of the most important parts of your financial blueprint for managing cashflow. I have witnessed the ever increasing cost of living in BC and what that presents to families. I love analyzing the “math” and how families structure their mortgage and debt and find ways that will substantially improve their monthly cashflow. I have spoken at many seminars on “how to become a super saver” and have written and e-book on the “Loop, avoiding the never cycle of just paying debts and not getting ahead”. Call or text to schedule a time to review your “math” and start saving today!
  • 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
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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.