TMG The Mortgage Group Alberta Ltd.
Live Well, Right Now
Smart Urban Financing
-Access to 100+ Lenders from Banks, Monoline, Alternative and Private Lenders -19 Years Financial Services Experience -Over a decade with the large banks -Licensed Mortgage Broker, TMG The Mortgage Group Alberta -Top 20% Production Nationally -Recognized Top Mortgage Broker in Calgary -Member of The Alberta Mortgage Brokers Association -Member of Mortgage Professionals Canada I am thrilled to be part of TMG The Mortgage Group Inc., a renowned Canadian national mortgage brokerage with over 1,400 qualified and accredited mortgage brokers, agents, and associates. Our team provides exceptional residential and commercial mortgage services to Canadians across the country. TMG has been in the industry since 1990, and we have successfully assisted hundreds of thousands of Canadians in obtaining the best financing solutions and mortgage rates. We have an extensive network of lenders, including top tier banks, which allows us to find the best possible mortgage options for our clients, no matter where they are located in the country. At our brokerage, we understand the importance of finding the right mortgage to make your home buying process as stress-free as possible. With over 19 years of experience in the Canadian financial industry, we know how important it is to feel confident in your investment. That's why we work hard to ensure you receive the best terms and competitive pricing available. Our team invites the mortgage marketplace to compete for your business, giving you a wide range of options to choose from. We offer personalized service and valuable insights throughout the process, helping you save time and money by finding the right financing that suits your unique situation. When it comes to choosing a Mortgage Broker, consumers look for four things: Choice, Advice, Service, and Savings. By considering these factors, we are confident that you will make an informed decision and be comfortable with your choice. - Max Harprit Singh, Mortgage Broker
  • Expertise
    As an independent mortgage broker, I am committed to providing you with expert and unbiased advice on your financial options. Unlike traditional bank representatives, I am not tied to a specific lender or product, which allows me to offer you a wide range of mortgage products from various lenders. This means that I can match you with a mortgage solution that best fits your unique needs and circumstances.
  • Save you time with one-stop shopping
    You no longer need to spend 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. This comparison-shopping process will be fast, easy, and convenient for you.
  • Most of the time, No charge to you
    You won't have to pay any fees for my services on typical residential mortgage transactions. Similar to other professional services like insurance, mortgage brokers are compensated by financial institutions through a finder's fee when we bring reliable clients to them.
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.


I am here to represent your best interests and provide you with expert advice and guidance throughout the mortgage process. With my strong lender relationships and negotiating skills, I will work to secure the most competitive rates and terms on your behalf.

Additionally, I understand that everyone's financial goals are unique, and I will customize your mortgage to fit your specific needs. Whether you're looking to purchase, renovate, or make your mortgage interest tax deductible, I can ensure that your mortgage aligns with your financial objectives.

Remember, even if you have already been pre-approved by your bank or another financial institution, I can still explore alternative options that may better suit your needs. My services come at no charge to you for typical residential mortgage transactions, as I am compensated by the lender through a finder's fee for introducing them to dependable clients.

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.
Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you!
Smart Urban Financing Made Easy.
A reimagination of the home-buying experience to take applicants from pre-approval, through their home search, and right to move-in. A better home-buying experience starts with a better understanding of the customer One of the largest financial decisions someone makes in their life should be easy to access, transparent, understandable and anxiety-free, and helpful through the entire experience.
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. 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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Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.