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TMG The Mortgage Group Atlantic Inc.

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Halifax Mortgage Broker
COVID-19 Update
I have always offered a digital mortgage experience, but with COVID-19 it's more important now than ever to have remote, virtual and digital appontments and signings. Your mortgage experience during this challenging time doesn't have to present more challenges. Financial services are essential, but us meeting in person isn't required. Let me handle the paperwork from the comfort and safety of your home. Being a homeowner is the most important financial investment of your life. You should feel comfortable about who you're working with and be supported from start to finish, and beyond. Contact me today for your free consultation and learn how working with a Mortgage Broker is a free value that will save you time and money. Military? I've got you covered with in-depth knowledge and experience of military friendly mortgage policies and first-hand understanding as a military spouse myself.

What's the difference between a rate hold, pre-approval and thorough pre-approval? I'll provide you with the most confidence you can get when offering on a home. A thorough pre-approval is a game changer!

  • Assurance
    A thorough pre-approval and working with an experienced broker can mean the difference between becoming a homeowner, having the best mortgage for your needs and a positive experience. For military members who can move frequently, I coordinate the entire mortgage process, present options, accommodate various time zones and can make the process easy even if you and your spouse are in different locations.
  • Time
    The process goes very quickly once you make an offer to buy a house. Being thoroughly prepared in advance will make your experience much smoother. For military members, house hunting trips are short. My research skills and lender relationships will help you get the right mortgage so you can spend more time finding your perfect home in the best neighbourhood.
  • Free
    There's no charge to you for my services on typical residential mortgage transactions. The lender pays the Mortgage Broker and it's not added to your mortgage. My unbiased, independent advice is a free value.
Why Should You Use My Services?
Negotiation. I have strong lender relationships, which is to your advantage when I negotiate your mortgage.
 
Knowledge. Mortgages are not created equal. Rate is not the only important factor. 

Understanding. I am a homeowner, too. I have renewed and refinanced, bought and sold properties. I understand this is the biggest investment of your life. and for military families I also live the same lifestyle as a spouse myself. 
 
Environment. My office building is LEED certified, designed and built using strategies aimed at achieving high performance in human and environmental health, including sustainable site development, water savings, energy efficiency, materials selection and indoor environmental quality. When possible, I work from my home office and offer video and phone conference appointments reducing travel and minimizing traffic.
 
Paperless. As an ongoing effort to protect the environment, my business is run almost entirely paperless.
 
Military. As a spouse of a Canadian Armed Forces member, I have a deep understanding of mortgage needs for military families because I live the lifestyle myself.
 
Featured In:
2020 Real Estate Institute of Canada NS Chapter Halifax Event
2020 Parliament Hill Day 
The Globe And Mail  
The Milspouse Collective
Canadian Military Family Magazine
ISANS - Immigration Services Association of Nova Scotia 
Guest Blogger - Numerous blogs/video interviews
 
Awards
TMG Atlantic Top sales 3rd Quarter 2020
TMG Canada Top 20% Mortgage Production Nationally September 2020
TMG Atlantic Top Sales August 2020  
TMG Atlantic Top Sales 2nd Quarter 2020
TMG Atlantic Top Sales July 2020 
TMG Atlantic Top Sales June 2020
TMG Atlantic Top Sales May 2020 
TMG Atlantic Top Sales April 2020
TMG Atlantic Top Sales 1st Quarter 2020
TMG Annual Sales Excellence Award 2019 
TMG Atlantic Top Sales Quarter 3 2019 
TMG Atlantic Top Sales List Semi-Annual 2019 
TMG Atlantic Top Sales List 1st Quarter 2018
TMG Atlantic Top Sales List 3rd Quarter 2018
Top Rookie TMG Canada List April 2018
Top Rookie TMG Canada List July 2018
Top Rookie TMG Canada List August 2018
Top Rookie TMG Canada List November 2018
TMG Atlantic Top Sales List 3rd Quarter 2017
TMG Atlantic Rising Star Award 2017 
 
Education & Designations
Bachelor of Arts, Mount Saint Vincent University 2003
Additional Courses: Financial Management, Organizational Management 2016
Mortgage Sales Certification Manulife Bank of Canada 2017 - Present
Home Equity Bank Certified (Reverse Mortgages) - 2019
Manulife Bank Partner Rewards Certification "Silver" - 2019
Building Intercultural Competence Certification - Immigrant Services Association of NS - 2019
Pandemic Awareness Safety Certification - 2020
 
Memberships
Member, Mortgage Professionals Canada 2017-Present
Member, Mortgage Professionals Canada Atlantic Chapter 2017-Present

Philanthropy 
Co-Chair, Brokering Wishes (for Make-a-Wish Atlantic Provinces), 2019-Present 
Co-Chair, Credit Reporting Committee, Canadian Mortgage Brokers Association Atlantic Canada 2018-2019
Volunteer, Conference Committee, Canadian Mortgage Brokers Association Atlantic Canada 2017-2018
Treasurer, BLT Elementary School Parent Teacher Coalition 2018-2019
Secretary, BLT Elementary School Parent Teacher Coalition 2016-2017 
 
 
Get started with your application now!
Let's get your pre-approval or approval started today! I'm here to help!
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My Mortgage Blog — Latest Posts
Sarah Nixon-Miller || January 19, 2021
Canada’s Housing Market Risk Rises, But Remains Moderate
Despite a sharp rise in home prices in 2020 and impacts from the pandemic-induced lockdown restrictions, the country’s housing risk remains "moderate.” That’s according to the third-quarter...
Read More
Sarah Nixon-Miller || January 18, 2021
Buying a Home with "Incentive to Buyer" in the Offer
More so in slow markets, or if there's a reason that the sellers want to move the house quickly, a seller may offer a "buyer's incentive" to purchase the house. This is often seen written into the...
Read More
Sarah Nixon-Miller || January 15, 2021
Offering to Buy a House Without the Financing Clause
As the real estate market heats up across Canada, this question comes up more and more..."Should I offer to buy a house without the financing clause?" The short answer is, "Sure - if you have the cash...
Read More
Sarah Nixon-Miller || December 28, 2020
Year End Money Saving Mortgage Tips
Year End Money Saving Tips From my family to yours, Happy Holidays! If you became a homeowner this year, or plan to next year, be sure to remember these money saving homeownership...
Read More
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