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TMG The Mortgage Group Alberta Ltd.

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Mortgage advice from someone who's lived real life.
I’m an award-winning mortgage broker, philanthropist, cancer survivor, and single mom of two — which means I don’t just understand mortgages. I understand pressure, responsibility, and making smart decisions when it matters most.
I don’t believe in cookie-cutter advice or one-size-fits-all mortgages. I believe in strategy that actually fits your life. As a top-producing, award-winning mortgage broker, I’ve helped people buy their first home, upgrade, renew, refinance, invest, rebuild after divorce, and navigate self-employed income — often in seasons where life felt anything but simple. As a single mom, I understand the weight of financial decisions when the responsibility sits squarely on your shoulders. As a cancer survivor, I understand how quickly life can change — and why flexibility, protection, and long-term planning matter just as much as rate. And as a philanthropist and community advocate, I care deeply about building stability, not just approvals. This isn’t just my profession. It’s personal. Mortgages, done with heart, strategy, and experience.
  • 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 cost to you
    For most residential mortgage transactions, there’s no direct fee charged to you. Like other professionals (e.g., insurance advisors), mortgage brokers are typically paid a finder’s fee by the lender for bringing qualified clients.
Why Should You Use My Services?

Because your mortgage deserves more than a quick approval.

You get a broker who shows up with experience, strategy, and heart — someone who understands the weight of the decision you’re making and treats it with the respect it deserves.

This isn’t about fitting you into a box.
It’s about building a mortgage that fits you.

 
Think Outside the Branch for Your Mortgage
Purchase
Buying your first home or your next one? I’ll help you structure a mortgage that fits your life, your income, and your future — not just today’s approval.
Renewal
Before you auto-renew, let’s talk. I’ll review your options, explain what actually matters, and make sure your mortgage still works for you — not just your lender.
Refinancing
Whether it’s lowering payments, consolidating debt, or accessing equity, refinancing can be a powerful tool. I’ll help you use it strategically and with clarity.
Ready When You Are.
From first-time buyers to seasoned homeowners, I’ll help you navigate the process with clarity and confidence — starting right here.
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.
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My Mortgage Blog — Latest Posts
Katherine Douglas || December 12, 2025
The Bank of Canada hit pause. Is this as low as rates will go?
The Bank of Canada held its policy rate at 2.25% this week, a decision most had already been expecting. After four cuts over the past year, the question now isn’t what just happened, but what comes...
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Katherine Douglas || November 07, 2025
Did October’s jobs report just put Bank of Canada rate cuts on hold?
Canada’s job market picked up again in October, adding 67,000 jobs (+0.3%) and pushing the unemployment rate down to 6.9%. It marked the second straight monthly increase, reversing...
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Katherine Douglas || October 10, 2025
Canada adds 60,000 jobs in September as Bank of Canada decision looms
Canada’s job market partially recovered in September, with employment rising by 60,000 after steep declines in July and August. The unemployment rate held steady at 7.1%, while the employment rate...
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Katherine Douglas || August 18, 2025
Home sales continued to rebound in July, though price growth remains elusive
Canada’s housing market strengthened further in July, with sales rising 3.8% month-over-month, building on gains seen in each of the past three months. Since March, national transactions are up...
Read More
View More
Contact me! Let's get started today!

Get in touch with me today for your free consultation!

Whether you’re buying your first home, purchasing again, renewing, refinancing, or just looking for honest guidance, I’m here to help you make a clear, confident plan — without pressure.