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TMG The Mortgage Group (Ontario) Inc.
Let's Bring Your Real Estate Goals to Life
I handle the heavy lifting so you can focus on your next chapter
You deserve to feel completely confident in your mortgage. Whether you are buying your first home or navigating a complex self-employed file, I provide clarity and expert guidance at every step. By combining rigorous market analysis with a deeply personal approach, I advocate for you to secure the most competitive terms. From our first conversation to your closing day, let's build a custom solution designed entirely around your goals.Reach out today to structure a custom solution, with full support available in English, Russian, and Hebrew.
  • Independent, Unbiased Advice
    Because I work independently, my priority is always your success, not a bank's quotas. I am not tied to any single lender, allowing me to objectively compare top options across the market to find the mortgage that fits your exact needs.
  • Save Time with One-Stop Shopping
    Instead of spending your valuable time booking meetings and filling out separate applications at different banks, I do the heavy lifting for you. I quickly narrow down dozens of lenders to the absolute best options, making your search fast, simple, and convenient.
  • No Cost to You
    For standard residential mortgages, my guidance comes at zero direct cost to you. Just like insurance advisors, I am paid a finder’s fee directly by the lender once your mortgage closes, so you get full expert support without any extra fees.
Why Should You Use My Services?
Expert Negotiation on Your Behalf. Negotiating directly with a bank can be stressful and confusing. I use TMG’s strong lender relationships and massive transaction volume to advocate for you. Because we send millions of dollars in business to these lenders, I have the power to negotiate highly competitive rates and terms that a standard branch rarely offers upfront.
 
Finding the Best Rates and Terms. Even if you already have a pre-approval from your current bank, you do not have to stop looking! I will shop the market for you to make sure you aren't leaving money on the table. I compare dozens of lenders to find the absolute best fit for your exact situation.
 
Custom Mortgage Solutions. Mortgages are not one-size-fits-all. Using my background in business and economics, I customize your mortgage to match your exact financial goals. Whether you are buying a home, paying for a renovation, or setting up your debt to be more tax-efficient, I ensure your financing works for you.
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.

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.