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TMG The Mortgage Group Canada Inc.
Contact me, Alison Rudover, mortgage broker to discuss your specific situation, needs and goals to find the lowest mortgage rates and product best suited to you. Proudly serving the Lower Mainland.
I am an independent mortgage broker with The Mortgage Group, located in beautiful British Columbia. I will take the time to discuss your specific situation, needs, and goals to find the lowest mortgage rates and product best suited to you. When you work with me I will explain the process and give you all your options to allow you to make a more educated decision before jumping right into the first home mortgage loan your bank offers you. Before you go out and start shopping for a new house, you need a plan. It doesn’t matter if this is your first time buying a home or your hundredth, financial situations change, rules change, interest rates change. The best place to start is to contact me directly. We will work through your situation together and you will know exactly how much buying power you have. Talk soon!
  • 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-shipping 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 Choose Me
I will negotiate on your behalf. I ensure that you save time, money and most importantly you will have the peace of mind that you received the best mortgage solution for your individual needs.  
 
I will walk you through the process. From start to finish. I am available 7 days a week, morning, afternoons & evenings. 
 
Do you know about mortgage customization? Not all mortgages are created equally, I work to find the best fit and product for you from our many lenders available. 
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!
Apply 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.

How Much Can You Afford?
Use this mortgage calculator to help you figure things out
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.