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TMG The Mortgage Group Canada Inc.
Helping people with home financing since 2008
Sea To Sky - Lower Mainland
Hello, I'm Andrew Wright, your trusted TMG mortgage broker since 2008. Proudly born in BC and raised on the North Shore of Vancouver, I now call Squamish home. With over 15 years of industry experience, I prioritize your unique needs to help you achieve financial goals through purchases, refinances, or mortgage renewals. Your home journey deserves to be smooth and stress-free, and I'm here to ensure just that. Let's work together to make your homeownership dreams a reality. Connect with me for personalized assistance and embark on a hassle-free path to achieving your financial objectives.
  • Experience
    With 15+ years as a mortgage broker, I've seen countless unique stories in mortgage applications. Your financial journey is distinct, and my experience ensures tailor-made solutions just for you. My first official day as a mortgage broker back in 2008 was day 1 of the Global Financial Crisis. You've never "seen it all" in this industry, but I have seen a lot!
  • Your time is valuable
    Save time and skip the hassle of meeting multiple mortgage lenders, avoiding unnecessary credit checks. I'll quickly identify lenders that align with your financial goals, making comparison-shopping fast, easy, and convenient. Your time is valuable – let me streamline the process for you.
  • No charge to you
    There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, 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
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.
Secure and simple, the application takes about 5 minutes and gives me the framework to explore the bigger picture. Details are appreciated, so the more you share the better your end results will be!
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
Call me today to get a rate quote tailored to your personal circumstances.
The rates displayed reflect general market conditions are subject to change at any time. For the most accurate rate quote, a full application and credit check are required.
How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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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.