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TMG The Mortgage Group Atlantic Inc.
Cindy MacFarland
Mortgage Broker Saint John
Buying a home is a significant decision in one’s life and you should be confident regarding your investment. I will work with you personally to offer you valued insight through the entire process, helping to save you time and most importantly find the Best Mortgage for your situation.
  • Mortgage Expertise
    I provide independent expert Mortgage advice on financial options. I am not tied to any precise lender or product, so I can offer you a range of mortgage products that best matches your exact needs.
  • Save time with one-stop Mortgage Shopping
    Instead of spending valued time meeting with other banks for your mortgage, I can narrow down the list of lenders that will help you attain your financial goals in a timely manner. I will make the mortgage comparison-shopping easy, fast, and convenient.
  • No charge to you!
    There are no charges for my services on the typical residential mortgage transactions. Like numerous other professional services, such as in the insurance field, mortgage brokers are paid a finder's fee when we introduce our clients to a financial institution.
Why Should You Use My Services?

Negotiating on your behalf. Many individuals are unclear or uncomfortable negotiating mortgages openly with their bank. Even if you have a current relationship with your bank, TMG does millions of dollars of transactions yearly with a widespread variety of lending institutions so we have strong lender relationships. I can use TMGs relationship to your benefit and negotiate your mortgage to make sure you secure competitive rates and terms that benefit you.

 

Ensure you are getting the best Rates and Terms. Are you already pre-approved by your bank or a different financial institution? You are not obliged to stop shopping! I can research on your behalf to see if there is a different mortgage solution to better suit your needs.

 

Explore Mortgage Customization. Mortgages are not created equally. Depending on your financial goals, I will make sure your mortgage helps you with your goals. Whether borrowing to purchase, make renovations, or make your mortgage interest tax deductible, I can make sure that your mortgage helps attain these financial goals.

Think Outside the Branch for Your Mortgage
New Mortgage
Looking for a New Mortgage? I will help find the right mortgage for you and your budget.
Mortgage Renewal
When looking to renew your Mortgage, I will make the process easy and simple. I will review the options with you so you make the best financial decision.
Refinance Your Mortgage
Mortgage refinancing may be the best choice at times. Let me review your possibilities and do the hard work for you!
Get Started with your Mortgage 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.

Today's New Brunswick Mortgage Rates
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
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My Mortgage Blog — Latest Posts
What you need to know about "trigger rates"
There’s been a great deal of talk in the media lately about variable-rate mortgage borrowers hitting their so-called “trigger rate.”Below, I’m going to explain what that trigger rate is, the...
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Top 20 Mortgage Broker in Canada
TMG had their year end meeting and I was presented with an award for being in the Top 20 Nationally! Thank you to my clients, referral partners and TMG management for your support!.
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A renovation is probably the last thing on your mind right before you plan to sell your home.However, there are some key areas where a little bit of TLC can go a long way to impressing potential...
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Top home improvement tips to consider before selling your home
A renovation is probably the last thing on your mind right before you plan to sell your home. However, there are some key areas where a little bit of TLC can go a long way to...
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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.