Let's chat: 306-262-1969
TMG The Mortgage Group
Denise Chan B.Comm., B.A.
I'll sweat the details so you don't have to.
Finding the right mortgage product to fit your life plans.
  • Knowledge
    Over 16 years of experience in mortgage lending and underwriting. I have worked for a credit union (9 years) & chartered bank (2 years). For the past 3 years, I am among the top 20% of mortgage professionals with TMG Canada. I hold a Bachelor of Commerce degree, graduating with distinction in Accounting & Bachelor of Arts and Science, graduating with Honors in Sociology.
  • Service
    I'm committed to providing you with exceptional customer service. With access to over 30 lenders, I will negotiate a competitive interest rate for you. But most importantly, making the process simple and straightforward.
  • Experience
    Owning a home is one of life's most important investments, I want to help you qualify for a mortgage that is right for you and your family. Your mortgage experience should be as comfortable as possible. I'm independent, my advice is truly unbiased, and my service is absolutely free.
Why Should You Use My Services?
I will Save you Time & Money.
I'll sweat the details so you don't have to.
I'll get results tailored to your needs.
     Your Home is my Priority!!
Contact me today, 306.262.1969 or denise@denisemortgage.ca
Pre - Approval
Full time or salaried employee - recent job letter and paystub; Part time employee - need job letter with guaranteed hours; Casual, Seasonal or Commission employee - need last 2 years T4; Self Employed - need last 2 years income tax or T1 General. Contact me to review your income documents.
Down Payment
The requirement is to have a minimum down payment of 5%. Contact me to discuss your sources of down payment.
Credit Score
If your credit score is over 600, you may qualify for a mortgage with "A" lender. Contact me today so I help you get the best mortgage rates. If your credit score is below 600, let's chat about other solutions that may be available.
Let's get started!
Purchase, Refinancing, or 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.

Today's Rates
5 year variable closed: Prime minus 0.40% = 2.55% ** some conditions apply ** Subject to change **
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
It PAY$ to Gossip....
Contact me! Let's get started today!

Get in touch with me today for your free consultation!

306.262.1969 or denise@denisemortgage.ca