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Let me help you finance the purchase of your home!

I'll take care of the details!

Take advantage of my services for your residential and commercial mortgage transactions absolutely free of charge.

My services

Buying a home is a big decision and an investment. I’ll work with you to provide you with valuable information throughout the process, so you can save time and find the mortgage that’s best for you.

As an independent expert as a real estate broker and mortgage broker, I will advise you on the financial options available to you. I am not tied to any specific lender or product, which allows me to provide you with mortgage products that will truly meet your needs.

Rather than wasting your precious time meeting with different mortgage lenders, consult me. I can quickly provide you with a short list of lenders who will help you reach your financial goals. I will make the comparison of financial products quick, easy and convenient.

New loan

Do you need a new mortgage? I will help you make the right choice, while respecting your budget.


When the time comes to renew your mortgage, I'll help you review your options and simplify and facilitate the renewal process.


Sometimes refinancing is your best option for a variety of reasons. Let me compare the options available to you for you!

“No fees will be charged to you.”

Types of loans

Do you know about personalized mortgages? Not all mortgages are created equal. I’ll make sure that the mortgage you receive will help you reach your financial goals.

Fixed rate

A fixed rate mortgage is qualified as secure because your interest rate will not change for the entire term you choose, so you know exactly how much principal and interest you will pay over the life of the loan. The duration of the terms varies between 6 months and 10 years. Fixed rate mortgages allow you to pay off a certain amount in the form of a prepayment, representing 10% to 25% of the original loan balance each year, depending on the lender. If you want to pay off the full balance of your mortgage, you will have to pay a penalty equal to 3 months of simple interest or an interest rate differential. The advantage of this loan is that the interest rate is lower than that of a prepayable mortgage. This option is popular with people who do not intend to repay their loan in advance during the chosen term.

Floating rate

A variable rate mortgage allows you to take advantage of the current low prime rate. Most variable rate products have a lower rate than the prime rate for terms ranging from one to five years. The length of the terms ranges from three to six years. Payments vary depending on the product or lender chosen. In some cases, it is possible to pay a fixed amount for up to five years, but the interest rate will fluctuate according to the bank prime rate. In other cases, the monthly payments fluctuate as the prime rate changes throughout the term.

Prepayment mortgage

A prepayable mortgage allows you to pay off part or all of the mortgage at any time, without penalty. Interest rates are usually higher and are tied to the bank’s prime rate.

Secured line of credit

A secured line of credit allows you to use the equity in your home whenever you want. The rates are tied to the prime rate and are usually slightly higher than the prime rate. Payment of the balance is required in the form of interest only, and is a wise choice when cash flow is important. Interest rates are lower than an unsecured line of credit. You can take out a secured line of credit and a mortgage if you have enough equity in your home.

“Stephane as accompanied me in the purchase of my house in 2015 and I did business with him again for the refinancing of my house in May 2020. Stephen is a good guide who is always there to listen to you, to give you advice.”

Ahmed Bensaid


Not all mortgages are created equal. I can negotiate your loan to make sure you get competitive rates and the most favorable terms.

Term and rate

1 year closed
1.84 %
3.59 %
2 years
1.84 %
3.74 %
3 years
1.54 %
3.89 %
4 years
1.59 %
3.94 %
5 years fixed
4.99 %
5 years variable
1.60 %
5.64 %
7 years
1.99 %
5.80 %
10 years
6.10 %

Note: the rates displayed may vary from the current rates of the day, our rate update on our site is monthly.

Payment calculator

Note: display the graphic chart of your results by clicking on the chart icon after your calculation.

My role

Mortgage real estate brokers are an important part of the mortgage industry today. Mortgage real estate brokers work for clients. What many Quebecers don’t know is that there are about 20 different lenders in the province, including the big banks, of course, which creates a huge range of mortgage products and rates.

Mortgage brokers can provide you with information on countless mortgage rates and options. Mortgage real estate brokers will intervene on your behalf.

What is the Role of the Mortgage Broker?

The role of the mortgage real estate broker is to obtain for you the best interest rate, the best terms and conditions on the market, according to your financial profile.

We work with more than 20 financial institutions, be it Caisse Desjardins, Toronto Dominium Bank (BTD), Scotiabank, Laurentian Bank (BLC) etc. In a single meeting, we will tour these financial institutions.

Why do business with a Mortgage Broker?

Why a mortgage broker? By doing business with a mortgage broker from TMG Mortgage, you will save time and money. You will benefit from fast, efficient and personalized service when and where you want, for free!

Why use my services?

I will negotiate on your behalf. Many people don’t feel comfortable negotiating mortgages directly with their bank, or don’t know how to do it. Even if you already have a relationship with a bank branch, you should know that TMG Mortgage trades millions of dollars with various lending institutions each year, so we have privileged relationships with lenders. I can use this relationship to your advantage in negotiating your loan to make sure you get competitive rates and the most favorable terms.

I will also make sure that you get the best rates and terms. Even if you’ve already received mortgage pre-approval from your bank or other financial institution, there’s nothing stopping you from continuing to shop! I can research on your behalf to see if there is another solution that better suits your needs.

Do you know about personalized mortgages? Not all mortgages are created equal. I will make sure that the mortgage you receive will help you reach your financial goals. Whether it’s borrowing to buy, renovating, or getting mortgage interest deductions, I can be confident that your mortgage will allow you to meet these financial goals.