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TMG The Mortgage Group Canada Inc.
Lloydminster's Mortgage Expert- Joni Bahm
I'll sweat the details so you don't have to.
As a mortgage broker, listening to my clients and understanding what you need is most important. I work with my clients to help them make educated decisions about their mortgage. With this in mind, I provide different options for every client that is customized for their needs. As a Lloydminster Mortgage Broker, I work with first-time home buyers, builders, and people wanting to refinance their home to consolidate debt. My goal is to bring you the best mortgage options for your personal situation.
  • Expertise
    I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs.
  • Save you time with one-stop shopping
    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 will make your comparison-shopping fast, easy, and convenient.
  • No charge to you
    There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are paid a finder's fee when we introduce dependable clients to a financial institution.
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.
Think Outside the Branch for Your Mortgage
Are you looking to purchase a new home? Buying a home is an exciting time. There are many reasons why people want to purchase a home. It could be you want to invest in your future and stop paying someone else’s mortgage for them? Or you need a little bit more space, or maybe you want to downsize? Whether you are a First Time Home Buyer, or a seasoned pro at purchasing properties, you need someone working for you when looking for the right mortgage. It is imperative that you find the right mortgage for you and your finances! As your mortgage broker, I would help you through the process, and answer any questions that you might have. I will also do your "mortgage shopping" for you!
When it comes time to renewing your mortgage, it is important to explore your options, and see what mortgage works best for your situation. Many people simply sign the renewal papers that their bank sends them barely looking them over. As a mortgage broker, we have many lenders that each have unique mortgage products that allow us to help our clients when Renewing their mortgage! When we discuss your mortgage, we look at the big picture. Some the questions that need to be considered are: How long are you planning on being in this home? Are you wanting to pay your mortgage off faster? Would you like lower monthly payments? Fixed or Variable Rate Mortgage? -Do you know the benefits for both? Choosing the right mortgage when you renew could save you thousands of dollars in interest. It also might save you thousands if you need to get out of your mortgage early (pre-payment penalty). 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!
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. Check back often to see how these rates compare to average bank rates.
How Much Can You Afford?
Curious to know what your monthly payment would be? This calculator can help you in just a few simple clicks!
Reviews from Past Clients
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.