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TMG The Mortgage Group Canada Inc.

GET THE MORTGAGE YOU DESERVE

WORKING FOR YOU, NOT THE BANKS!

Markets Served: Offering services across the province of British Columbia!

At the heart of every property investment lies the promise of a brighter future. With an unwavering commitment to trust, integrity, and a solutions-driven mindset, I'm dedicated to being your ally every step of the way. Whether it's your dream home or a strategic commercial venture, my personalized approach and expertise ensure a seamless journey, empowering you to make confident decisions. Let's embark on this journey together, optimizing your mortgage experience and securing the perfect solution for your needs.

I look forward to helping you achieve your financial and homeownership goals!

JP Violot - Your Trusted BC Mortgage Broker

(604) 369-5689

jp.violot@mortgagegroup.com

  • Expertise
    Count on my unbiased expertise to guide you through a myriad of financial options. As an independent broker, I'm not bound to any single lender or product, allowing me to tailor mortgage solutions precisely to your requirements.
  • Streamline your experience with convenient one-stop shopping
    Skip the hassle of meeting multiple lenders—I'll streamline the process for you. By swiftly identifying lenders aligned with your financial objectives, I'll make comparison-shopping a breeze, saving you precious time and effort.
  • No charge to you
    You won't incur any fees for my services. Just like with insurance and other professional services, I earn my compensation through finder's fees from financial institutions. Your satisfaction and finding the perfect mortgage match are my priorities, and I'm dedicated to making the process seamless and cost-effective for you.
What Makes My Services Stand Out?

Rest assured, I'll handle the negotiations on your behalf, whether it's for a residential or commercial mortgage. Many find negotiating with their bank daunting, but with my expertise and our extensive network of lending institutions, I'll leverage our strong relationships to secure competitive rates and terms tailored to your advantage.

Furthermore, ensuring you receive the best rates and terms is my priority. Even if you've obtained pre-approval elsewhere, there's always room for exploration. I'll diligently assess alternative options to better align with your unique requirements, sparing you the hassle and ensuring you're poised for the most favorable outcome.


 
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
Looking for a new mortgage? Let me assist you in selecting the perfect match for both your needs and budget, whether it's for residential or commercial purposes.
Renewal
When your mortgage renewal approaches, count on me to guide you through your options and simplify the renewal process for a hassle-free experience.
Refinancing
Refinancing can often be the ideal solution for a range of needs. Let me explore your options and take the heavy lifting off your plate!
Ready to Apply? Let's Get Started!
Exclusive access to extensive network of 50+ lenders!
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 Mortgage Rates
Through my extensive network of 50+ lenders, I can secure competitive interest rates that often surpass advertised rates. Stay updated to see how these rates stack up against typical bank offerings!
Estimate Your Mortgage Budget Easily!
Utilize this mortgage calculator to support your financial analysis
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My Mortgage Blog — Latest Posts
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Contact me! Let's get started today!

Get in touch with me today for your free consultation!

From securing your dream home to optimizing your commercial property investments, I'm your trusted partner every step of the way – whether it's your first mortgage, refinancing your current home, or exploring new opportunities!