Let's chat: 905-333-0255
|
TMG The Mortgage Group (Ontario) Inc.

Homepage

Empowering Your Homeownership Dreams in Ontario
Expert Mortgage Solutions Tailored for You
Welcome to TMG Burlington, where your journey to homeownership becomes easier. With years of experience in the Ontario housing market, we offer bespoke mortgage solutions that fit your unique needs. Whether you're buying your first home or refinancing, we're here to guide you every step of the way. Larah Currie, Marc Visser, Susan Fieseler and Becky Lawlor.
  • NO COST MORTGAGE CONSULTATION
    Benefit from our no-fee mortgage consulting services. For standard residential mortgage transactions, our expertise comes at no cost to you. We receive a commission from financial institutions, similar to other financial professionals like insurance brokers, when we successfully match clients with a suitable home loan or refinancing option
  • STREAMLINED MORTGAGE SHOPPING
    Save time with our efficient mortgage shopping process. We excel in mortgage comparisons, offering a one-stop solution for your home financing needs. By evaluating various mortgage lenders, including major banks and credit unions, we quickly identify the most favorable mortgage rates and terms, making your loan selection process smooth and effortless
  • MORTGAGE EXPERTISE
    We provide comprehensive mortgage advice and financial solutions. We specialize in a range of mortgage options, from fixed-rate mortgages to adjustable-rate mortgages, ensuring you have access to the best products in the market. As independent mortgage advisors, we offer unbiased advice, tailoring our services to meet your home loan and refinancing needs
WHY SHOULD YOU USE OUR SERVICES?

We'll Negotiate for You

Many people feel uncertain or uncomfortable negotiating mortgages directly with their bank. Even if you have an existing relationship with your branch, TMG handles millions of dollars in transactions yearly with a wide variety of lending institutions. This means we have strong relationships with lenders, which we can use to your advantage. We'll negotiate on your behalf to ensure you secure competitive rates and terms that benefit you.

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! We can investigate on your behalf to see if there's a better alternative to suit your needs.

Mortgage Customization

Did you know about mortgage customization? Not all mortgages are created equally. Depending on your financial goals, we'll ensure the mortgage you receive helps you achieve those goals. Whether you're borrowing to purchase, renovate, or make your rental mortgage interest tax-deductible, we can ensure that your mortgage aligns with your financial objectives.


Think Outside the Branch for Your Mortgage
Buying Your First Home
Navigating your first home purchase is an exciting journey. We offer personalized support, helping you understand your options and securing the mortgage that suits your financial situation.
Time to renew or switch your mortgage?
Time to renew or switch your mortgage? Let's explore opportunities to improve your rate and terms, aligning with your current and future financial goals.
Refinancing Your Mortgage
Looking to refinance? We provide expert advice on how to optimize your mortgage, reduce payments, or tap into your home's equity.
Optimize Your Mortgage Today!
We are here to help with your mortgage needs, refinancing, new home purchases, mortgage renewals reverse mortgages and private mortgages.
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 20% 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 adjustable-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.

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. A secured line of credit offers 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.

Unlock the equity in your home with a reverse mortgage, a financial solution designed for homeowners aged 55 and older. This option allows you to convert a portion of your home’s value into tax-free cash without the need to sell your property. Whether you need funds for retirement, home improvements, healthcare expenses, or other financial needs, a reverse mortgage can provide the flexibility and security you’re looking for. You retain ownership of your home and can continue living in it, while enjoying the benefits of additional income. Discover how a reverse mortgage can enhance your financial stability and help you achieve your goals.

THIS JUST IN!
Because we work with a wide variety of lenders We can access competitive, lower-than-advertised interest rates. Check back often to see how these rates compare to average bank rates.
These rates are for High-Ratio Default-Insured or below 65% Loan to Value (LTV) insurable mortgages with amortizations of 25 years or less.
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
Don't Just Take Our Word for it
Subscribe to Our Newsletter
Get the latest mortgage news, rate updates and more...
My Mortgage Blog — Latest Posts
Larah Currie || June 18, 2025
Home sales post first monthly gain since November, but market still cooling year
Canada’s housing market posted a modest rebound in May, with home sales rising 3.6% from April, marking the first national monthly increase in more than six months, the Canadian Real Estate...
Read More
Larah Currie || June 06, 2025
BoC holds rates steady, but more cuts could be on the way
The Bank of Canada held its key interest rate steady at 2.75% this week, delivering its second consecutive pause as it weighs the impact of persistent inflation and new trade-related risks. The...
Read More
Larah Currie || May 29, 2025
GST rebate gives first-time buyers up to $50,000 off new homes
First-time buyers now have one more reason to consider a new build. The federal government has announced a new GST rebate that could save eligible buyers up to $50,000 on homes valued up to $1.5...
Read More
Larah Currie || April 01, 2025
How to prepare your home for the spring real estate market
The arrival of spring typically brings renewed activity in Canada’s housing market. Longer days and warmer temperatures tend to draw both buyers and sellers back into the real estate...
Read More
View More
Unlock the Door to Your Mortgage Success!

Connect with Us now!

Ready to take the next step in your homeownership journey? Whether you're buying your first home or looking to optimize your current mortgage, The Mortgage Group is here to help. Fill out the form now and embark on a path to financial clarity and homeownership success. Let's make your dream home a reality!