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TMG The Mortgage Group Canada Inc.
Navigating your Mortgage journey with Integrity!
Let me empower you with the knowledge to make the right decision for you.
I am dedicated to assisting you in finding the best mortgage options that suit your unique financial situation and requirements. My goal is to guide you through the process with minimal stress, providing a hassle-free experience.
  • Who I am
    Hi, I’m Amy — a mortgage broker based in Richmond, BC, proudly serving home buyers across the Lower Mainland, Vancouver Island, and throughout British Columbia. I help people navigate their unique home buying journey with confidence, clarity, and support. Whether you're a first-time home buyer or simply looking for honest mortgage advice, I’m here to empower you with knowledge and walk with you every step of the way.
  • Why I Do This Work
    I became a mortgage broker after buying my own first home — an exciting experience that also left me feeling uncertain and unsupported. I didn’t know what questions to ask, and I didn’t feel I had someone in my corner. That experience stuck with me. Now, I’ve built my business to be everything I would have wanted back then: personal, clear, and rooted in connection. I take pride in being approachable, responsive, and genuinely invested in the success of every client I work with.
  • What You Can Expect
    My approach is grounded in human connection and trust. I create a welcoming space where you can ask anything without judgment — because I believe every client deserves honesty, support, and a broker who truly cares. No pressure. No sales pitch. Just real advice, real tools, and real support. If you're looking for a mortgage broker in BC who leads with heart and empowers you to move forward with clarity, I’d be honoured to be part of your journey.
Why Should You Use My Services?

Buying a home is one of the biggest financial decisions you’ll ever make — and it deserves more than just a quick rate quote or a templated approval. You deserve guidance, clarity, and someone who genuinely has your back.

That’s where I come in.

As a mortgage broker based in Richmond, BC, I work for you — not the bank. My job is to simplify the process, advocate for your best interest, and present options that align with your goals, not someone else’s bottom line.

I take the time to get to know you, your story, and what you truly want from your home buying journey. Whether you're buying your first home or refinancing a current one, I’m here to walk you through every step with care, responsiveness, and transparency.

 

My clients choose me because they know I’ll show up for them — not just with solutions, but with real support. If you're looking for a mortgage experience that feels personal, empowering, and pressure-free, let's chat.

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.
Renewal
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
Refinancing
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.

How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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My Mortgage Blog — Latest Posts
Home sales post first monthly gain since November, but market still cooling year
Canada’s housing market posted a modest rebound in May, with home sales rising 3.6% from April, marking the first national monthly increase in more than six months, the Canadian Real Estate...
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BoC holds rates steady, but more cuts could be on the way
The Bank of Canada held its key interest rate steady at 2.75% this week, delivering its second consecutive pause as it weighs the impact of persistent inflation and new trade-related risks. The...
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What the Bank of Canada’s Rate Hold Means for You
The Bank of Canada just announced that it will hold its key overnight interest rate steady at 2.75%. If you're living in Vancouver, BC—or anywhere across Canada—this decision impacts everything from...
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GST rebate gives first-time buyers up to $50,000 off new homes
First-time buyers now have one more reason to consider a new build. The federal government has announced a new GST rebate that could save eligible buyers up to $50,000 on homes valued up to $1.5...
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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.