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TMG The Mortgage Group Canada Inc.
Integrity is Key to Everything
I'll ensure you are informed & empowered so you feel confident
I approach my work the same way that I approach my life ..with integrity. Which to me has always meant: honesty, respect, & doing what I say I am going to do… And I will always put my clients' interests first. Always. I will work hard to get you into the best mortgage I can. I will make sure you have the right information to make an empowered decision. I will care about you, your needs & goals & work with you to get it done right. I will clarify the complexity. I want to help make the process as smooth and stress free as possible so it can be more exciting than scary, and help you achieve your goals. I ​will work with you personally to offer valuable insight & comprehensive advice throughout the process, save you time and find the mortgage that best suits your situation. I've lived in Squamish since 2013. I live here with my husband, our young daughter, and dog, Lukla. You will probably bump into me mountain biking, hiking, or spending time with friends and family. I look forward to working together.
  • Expertise
    I will provide you independent & objective expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products from a range of lenders that will best match your specific needs & goals. I understand the ins and outs of various products and can help you understand why those features matter, and explain everything to ensure you are comfortable with your decision.
  • Trust & Integrity
    I will always have my clients best interests as my top priority. You can rest assured that while working with me, I will be transparent and upfront with you. I love educating my clients, making them feel empowered & informed through an otherwise sometimes stressful and overwhelming process. I am on your side.
  • Options
    Because I have access to a wide range of lenders - I can do the leg work for you - I can research the terms that are most important to your situation, I can compare all of the rates - I can help you understand the process & your options. I can provide you with choice, competitive pricing & comprehensive advice.
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
Buying a new home? I'll help you pick the right fit for you and your budget, ensuring you are well positioned for your future goals
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. These pre-payment options help you make payments directly to the principal amount, reducing the overall interest you pay over the life of your mortgage. If you wish to pay off your mortgage in full (moving, inheritance, refinancing, etc), 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. As well as the predictability of your payments for the duration of your term. 

A variable-rate mortgage allows you to take advantage of today's 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. Within variable mortgages there are options to convert it to a Fixed rate mortgage should you choose. The pre-payment penalties are typically lower than a fixed rate mortgage if you plan to move during your mortgage 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. Have you seen a lower rate? Did you read the fine print? That rate may have restrictive terms or not be available to you based on your application. Ask me to review it for you.
What Would It Look Like?
Use this mortgage calculator & the others to try different scenarios, see what fits
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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.