TMG The Mortgage Group/Doina Biolan

11/02/2026

Refinancing may help some homeowners consolidate debt, improve monthly cash flow, or access home equity for future plans. Every situation is different, which is why understanding your options matters.

I can help you determine whether refinancing makes sense for your goals.

Doina Biolan B.Comm
Mortgage broker for 21 yrs

I am also a realtor, financial advisor and commissioner for oaths .

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Insurance, Investments, Mortgages, and Real Estate solutions for you and your business.

11/02/2026

10/31/2026

Happy Halloween from all of us at TMG.

To everyone heading out with a pillowcase tonight, and everyone answering the door for the next three hours, have a safe one. Check the candy, dress warm under the costume, and save the good stuff for last.

10/28/2026

Refinancing may help some homeowners consolidate debt, improve monthly cash flow, or access home equity for future plans. Every situation is different, which is why understanding your options matters.

I can help you determine whether refinancing makes sense for your goals.

Doina Biolan B.Comm
Mortgage broker for 21 yrs

I am also a realtor, financial advisor and commissioner for oaths .

https://m.facebook.com/TmgTheMortgageGroupDoinaBiolan/?__xts__%5B0%5D=68.ardwqrwkhyjio...

https://www.Facebook.com/DoinaBiolanUrbanRealEstate

https://m.facebook.com/azurefinancialsolutions/jf

10/24/2026

Yep 🤣

10/19/2026

If you are carrying credit card or store financing balances, the next eight weeks matter more than you might think.

Those rates are typically several times higher than mortgage rates. Where you have built equity in your home, rolling that debt into a refinance can bring your total monthly payments down meaningfully, because the same balance is being carried at a much lower rate.

Two things decide whether it works. A plan for the cards once they are cleared, because consolidating and then rebuilding the balances leaves you worse off than when you started. And time, because a refinance takes a few weeks to arrange.

Starting in October makes finishing before the holidays realistic. Starting in December does not.

Call me! (403) 613-2205

10/15/2026

https://www.canadianmortgagetrends.com/mortgage-wire/2026/10/14/bmo-maintains-no-hike-call-through-2027-as-other-banks-revise-forecasts/?_cldee=ljiT1mQxhOOgnumYZoe0ew2PYN9BGmeVphhwmmZA-KeawsdjhWRjQWyZUk2cjLFw&recipientid=contact-a19fd2954593e911b80200155d23e106-5dc8ff3bb19f4e0bb3a7dbc332d0faca&esid=e59e6dbf-90c8-f111-a05a-7c1e52534922

TD Economics expects the Bank of Canada to keep its policy rate at 2.25% through 2028, while BMO Economics is maintaining its call for no changes through 2027.

10/12/2026

Happy Thanksgiving everyone!

A long weekend, a full table, and a bit of quiet. We hope you get all three.

Thank you to the families that chose me as their mortgage broker this year, for their purchase, mortgage transfers or refinances!

Have a beautiful day with your loved ones!

10/09/2026

“ Funding complete “ notification for my last refinance received 🥰🥳. All clients debts paid in full. Struggling with high interest debt? Call ☎️ or text 📱 me: (403) 613-2205 .

10/09/2026

HIGH RATIO MORTGAGE or CONVENTIONAL MORTGAGE?

Paying default mortgage insurance or not?

One number has probably delayed more Canadian home purchases than any other, and it is widely misunderstood.

Twenty percent down is the point at which mortgage default insurance stops being required. It is not the minimum needed to buy a home 🏠 . On many properties the minimum is considerably lower.

What changes with a smaller down payment is that the mortgage becomes insured and a premium applies. That is a genuine cost, and it belongs in the comparison.

The comparison itself is the useful part. Buying sooner with a premium attached, against several more years of renting and saving while prices move.

For some households waiting is right. For plenty of others it is not, and nobody should be guessing.

Call or text me for more details! 😊

(403) 613-2205