Let's Chat: 647-562-7951
|
TMG The Mortgage Group (Ontario) Inc.
Let me help you finance your home!
I'll sweat the details so you don't have to.
Purchasing a home is an important decision and you should be confident about your investment. I will work with you personally to offer you valuable insight throughout the process, save you time and find the mortgage that best suits your situation.


★★★★★

A Few Of My Client's Testimonials:

Amazing experience & loved working with Arghavan because she definitely knows her stuff and explains everything so you understand every little detail. My file was a very complex one but she made it happen. She always has a plan B!. I will always recommend her. She even came after and sat down with me to go thru my finance and gave me good financial advices. She is just awesome!!

Hazel

Arghavan Rastegari is very responsive & result oriented Mortgage Agent in GTA dealt many lenders. We moved from Regina, Saskatchewan last year and She helped me to secure a Mortgage to buy Duplex Property in Downtown London, Ontario recently. All of my questions she answered in timely manner and very responsive. She has good negotiation skill to get good interest rates and beyond all she is very sweet & wonderful Person and she is like a friend now. I am highly really impressed with her Professionalism and we will always approach her & refers others as well for new purchase in future. I am glad that I came to contact with her at a right time. I highly recommend her to take her services regards Mortgage/refinance anywhere in Canada.

Keshav

Arghavan is the most professional mortgage agent I have ever met. She saved me when I was in trouble in the middle of a rising rate cycle and got me a good deal on both of my properties. If I had to describe her in 3-4 words then they would be highly ethical, well-informed and compassionate with emotional intelligence. She understands the stresses of a borrower and knows how to react. I strongly recommend her.

Sanjit

Arghavan is super professional! She is educated and keeps her updated in the industry. She goes up and beyond for her customers to make sure they get their best rates with end satisfactory results. She is highly reliable as she is educated and her team is so supportive. Highly recommend her.

Shakiba

Arghavan is such a passionate hard working agent and she takes her work very seriously. Everything from this woman comes from her heart; she wants the best for her clients and she strives to get the job done in the best way possible.Trustworthy, friendly, professional and knowledgeable she is! Highly recommended!!

Sameen

Arghavan is a great mortgage agent - she cares about her clients and is very knowledgeable about all the complexities of mortgages in Toronto's hot real estate market. 5 stars!

Farbod

  • 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
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.

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?
Use this mortgage calculator to help you figure things out
Subscribe to My Newsletter
Get the latest news on the home-ownership, mortgage news and more...
My Mortgage Blog — Latest Posts
Federal government unveils measures to improve housing market access
The federal government today unveiled new measures aimed at improving access to housing for first-time buyers. The announcement comes less than a week before the 2024...
Read More
What January’s jobs report means for Bank of Canada rate cut expectations
On the surface, the January employment report released today had the signs of a relatively strong economic backdrop. Net employment was up by over 37,000 positions and the unemployment...
Read More
Housing markets are continuing to feel the chill heading into winter
Affordability concerns are continuing to keep pressure on Canada's housing markets heading into the winter months, the Canadian Real Estate Association (CREA) reported. The month saw continued...
Read More
Canada’s labour market posts big gain in November
The country’s labour market held up better than expected in November, with nearly 25,000 net new jobs created. The employment gains consisted of an increase of 59.6k full-time positions and a...
Read More
View More
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.