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TMG The Mortgage Group Canada Inc.
Steve Nipius, Accredited Mortgage Professional
Mortgages are so much more than just rates.
In most cases your home is your biggest asset. Make sure you have a mortgage that's working for you, not against you. I work to save you the most over the lifetime of your mortgage, this might mean in some cases the lowest rate is one that may not be the best for you (many brokers sell on rate alone as they simply don't know the features of most mortgage products). Choose to work with me and see how I can save you money!
  • Expertise
    With nearly 15 years of mortgage experience and having seen billions in mortgage applications I have the experience and knowledge you should be asking for in a Mortgage Professional.
  • Save you time
    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 am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs.
  • No charge to you
    There's absolutely no charge for my services on typical residential mortgage transactions. You can consider me like an independent contract to the mortgage lenders. While they don't have to pay an employee to take up office space, earn benefits and a salary, require computer and miscellaneous equipment mortgage lenders are able to take this money and pay me without any cost to you.
Why Should You Use My Services?
Mortgage Planning. I employ a consultative and planning approach where rather than just rate being taken into consideration, current and future plans are discussed and analyzed to ensure you get the mortgage that will give you the absolute best chance of saving you money.
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.
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.
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.
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy. Don't simply take what your lender is offering at renewal, I'm here to provide professional expert advice. Maybe there's something that you need to plan for, baby, rental, vacation home and putting the planning into place at time of renewal can save you money!
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. In many instances I have specials which cannot be posted on rate sheets as lenders consider them "unadvertised specials". Give me a call to discuss the current offerings. Don't be fooled by those posting unbelievable low rates (whether it's large penalties, no pre-payment options, little to no future flexibility) there are in most cases a catch, make sure you ask the right questions.
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. In my almost 15 years in the mortgage industry I've seen billions in mortgage applications and can help find the right solution for your needs.