What happens after I submit a mortgage application?

We'll be in touch within 24 hours. You will then be provided a secured link to load any required documents.

What if I don't qualify for a mortgage right now?

Then we make a plan to get you there. Buying a home is a major milestone, and it's completely normal to need time to prepare.

Is my application information secure?

Yes, all of your data is encrypted and securely stored on Canadian servers through TMG. We also operate a 100% paperless office, BitDefender is on all electronics including VPN. Your privacy is extremely important to us.

Will I receive a written pre-approval?

Yes! You will be emailed a personalized pre-approval package outlining everything you need to know at this stage.

Do I need a mortgage broker to renew my mortgage?

While you are not required to use a mortgage broker at renewal, working with one can help ensure you are receiving a competitive rate and the right mortgage terms. Many lenders do not offer their best rates upfront at renewal, and a broker compares multiple lenders on your behalf.

Is renewing my mortgage the same as getting a new mortgage?

A mortgage renewal is just as important as your original mortgage. While the process may feel simpler, the decisions you make at renewal can significantly impact your interest costs, flexibility, and long-term financial goals.

Can I switch lenders at mortgage renewal?

Yes. Mortgage renewal is an ideal time to switch lenders without penalty. A mortgage broker can review whether switching lenders could improve your rate, terms, or mortgage features.

When should I start reviewing my mortgage renewal options?

You can begin reviewing your mortgage renewal options up to 120 days before your renewal date. Starting early allows time to compare lenders, secure a rate hold, and plan strategically.

Why shouldn’t I just accept my lender’s renewal offer?

Many lenders rely on convenience and do not always present their best rate or terms at renewal. Accepting the first offer without comparison can result in higher interest costs over time.

Does my credit score matter at renewal?

Yes. Credit score can impact the mortgage rates and lender options available to you at renewal, especially if you are switching lenders. A broker reviews your full profile to determine the best options.

Are mortgage renewal rates one-size-fits-all?

No. Mortgage renewal rates vary based on factors such as mortgage type, credit score, equity, term length, and qualification requirements. A personalized review ensures you receive options suited to your situation.

What does a mortgage broker review at renewal besides the rate?

A mortgage broker reviews not only the rate, but also penalties, prepayment options, portability, charge type, and how the mortgage fits your long-term goals.

About

I’ve worked in the Canadian financial industry since 1997, including more than 10 years with a major Canadian bank, before becoming a mortgage broker and expanding my services across Alberta.

My background includes formal training in Accounting, a Finance Diploma from NAIT, completion of the Canadian Securities Course, and designation as a Personal Financial Planner (PFP). This foundation allows me to focus on more than just mortgage rates—I help clients build smart, long-term mortgage strategies that align with their financial goals.

Whether you’re buying, refinancing, renewing, or planning for the future, I believe there are no small questions when it comes to your mortgage. My role is to help clients understand their options clearly, avoid costly mistakes, and move forward with confidence.

If you’re looking for thoughtful, strategy-driven mortgage advice anywhere in Alberta, I’d be happy to help.

Licensed With
TMG The Mortgage Group

A Canadian Mortgage Company Legacy

Since 1990, TMG The Mortgage Group has helped Canadians get the right mortgage solution to suit their financial needs. TMG strives to maintain a respected reputation with lenders and clients with leading-edge mortgage experts.

Award-winning leaders in mortgage innovation and technology, TMG continues to develop proprietary tools and software to quickly and efficiently source and manage financing solutions.

TMG proudly operates with the highest levels of professionalism, ethics and integrity.