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TMG The Mortgage Group Alberta Ltd.

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Your Mortgage — Explained Clearly, With a Plan That Fits Your Life

Helping Calgary and Alberta homeowners make confident mortgage decisions

Buying, renewing, or refinancing a mortgage doesn’t have to feel overwhelming. I work with clients across Calgary and Alberta to help them understand their options, run the numbers clearly, and choose a mortgage strategy that fits their goals — not just today, but long-term. My focus is on making the process simple, transparent, and pressure-free, so you always know what to expect and can move forward with confidence.

Local Alberta Mortgage Expertise

I work specifically with Calgary and Alberta clients, which means my advice reflects local market conditions, lender policies, and real-world scenarios. I’m not tied to a single lender, so I can compare options and recommend mortgage solutions that actually fit your situation.
Clear Strategy Without the Runaround

Instead of meeting with multiple banks and receiving conflicting advice, I simplify the process by narrowing down lender options based on your goals. You’ll always understand the numbers, trade-offs, and next steps — so decisions feel clear, not rushed.
Straightforward, Transparent Advice

For most residential mortgage transactions, there is no direct cost to you. More importantly, my focus is on transparency — explaining how lenders work, how options differ, and what actually matters long-term, so there are no surprises later.

A Thoughtful, Client-First Approach to Mortgages

Before becoming a mortgage broker, I spent years working in healthcare — an environment where accuracy, trust, and clear communication truly matter. That experience shaped how I approach mortgages today.

I understand that many clients don’t fit into a neat, one-size-fits-all box. Whether you’re balancing shift work, variable income, self-employment, or simply want to understand your options before making a decision, my role is to help you slow the process down, ask the right questions, and move forward with confidence.

I work closely with Calgary and Alberta clients who value clarity, transparency, and a long-term plan — not just a quick transaction.

Think Outside the Branch-Mortgage Options for Calgary and Alberta Homeowners

Buying a Home in Calgary or Alberta

Whether you’re buying your first home or moving, getting pre-approved early helps you shop with confidence. I’ll help you understand your numbers, lender options, and next steps so there are no surprises.

Mortgage Renewal — Review Before You Renew

Many homeowners renew without reviewing their options and often overpay. If your mortgage is up for renewal in the next 6–12 months, I can review your current terms and walk you through your options.

Refinance to Consolidate Debt or Access Equity

Refinancing can help consolidate debt, fund renovations, or access equity for your next home purchase. I’ll walk you through the costs, benefits, and long-term impact so you can decide whether it makes sense for your situation.

Ready to Review Your Mortgage Options?

Whether you’re buying, renewing, or refinancing, the first step is simply understanding your options. This short application allows me to review your situation before we connect, so our conversation is focused, efficient, and tailored to your goals. There’s no obligation and no pressure — it’s simply a starting point.

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Types of Mortgages

Fixed

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.

Variable

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.

Open

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.

Secured

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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My Happy Clients

My Mortgage Blog — Latest Posts

Lindzee Kashmere || January 28, 2026

Rates on hold as the Bank of Canada waits for clearer economic signals

The Bank of Canada held its key policy rate at 2.25% today, a decision that came as no surprise to markets and economists. More importantly, the Bank signalled that it isn’t in a rush to move...

Lindzee Kashmere || January 16, 2026

Canada closes 2025 with balanced market conditions as December sales soften

Canada’s housing market lost some steam in December, closing out 2025 on a quieter note. Home sales fell 2.7% from November, according to the Canadian Real Estate Association (CREA). Compared to...

Lindzee Kashmere || December 12, 2025

The Bank of Canada hit pause. Is this as low as rates will go?

The Bank of Canada held its policy rate at 2.25% this week, a decision most had already been expecting. After four cuts over the past year, the question now isn’t what just happened, but what comes...

Lindzee Kashmere || November 07, 2025

Did October’s jobs report just put Bank of Canada rate cuts on hold?

Canada’s job market picked up again in October, adding 67,000 jobs (+0.3%) and pushing the unemployment rate down to 6.9%. It marked the second straight monthly increase, reversing...

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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.