The Personal Mortgage Group

The Personal Mortgage Group Indi Mortgage “the Independent Mortgage Company”
FSRA #12403
Mortgage brokering in the greater Hamilton Area since 1991!

WE ARE AN INDEPENDENTLY OWNED, AWARD-WINNING MORTGAGE BROKER with over 20 years experience helping people save money while building their dreams. OUR MISSION IS TO EMPOWER OUR CLIENTS to achieve a lifetime of financial wellness by delivering innovative mortgage solutions. We treat every client as unique, taking into account not only their current financial needs but also their future goals and lif

estyle requirements. OUR FRIENDLY, KNOWLEDGEABLE LENDING CONSULTANTS will find you the best deal and do all of the legwork for you – saving you valuable dollars and time!

Buying your first home is a major milestone, and having the right mortgage team by your side can make an unfamiliar proc...
09/04/2026

Buying your first home is a major milestone, and having the right mortgage team by your side can make an unfamiliar process feel simple and manageable. 🏡✨

“Had a great experience with Boyce and his team. They made the first-time home-buying experience seem easy.”

A great first-home experience starts with clear guidance, reliable support, and a team that helps you understand what to expect at every stage. Boyce and his team are committed to simplifying the mortgage process so first-time buyers can move forward with clarity and confidence.

Clear guidance for first-time home buyers 📚
A simple, manageable mortgage process 🏠
Reliable support from an experienced team 🤝

Thank you for trusting Boyce and his team to be part of your first home purchase. Helping clients feel informed, supported, and confident throughout the process is exactly what the team strives to deliver.

Whether you’re purchasing your first home, refinancing, or exploring your mortgage options, the right guidance can help make the process smoother from start to finish.

👋 Meet Boyce Collins, Principal Broker at Indi Mortgage.Father, mortgage broker, and self-described doomsday prepper — B...
09/03/2026

👋 Meet Boyce Collins, Principal Broker at Indi Mortgage.

Father, mortgage broker, and self-described doomsday prepper — Boyce brings a thorough, detail-oriented approach to every file he works on.

At Indi Mortgage, we dive deep into every detail and crunch the numbers, ensuring you know exactly what you're doing and why. That philosophy starts at the top.

Whether you're buying your first home, renewing, refinancing, or investing — our team is here to walk you through it with clarity and confidence.

📞 Reach Boyce and the team at 905-546-0550

Contact us at personalmortgage.ca or send us a DM — happy to answer any questions.
https://www.personalmortgage.ca/

Today the Bank of Canada maintained its policy rate at 2.25%.Here is the headline: Canada's economy is recovering, but n...
09/02/2026

Today the Bank of Canada maintained its policy rate at 2.25%.

Here is the headline: Canada's economy is recovering, but new headwinds have arrived.

The strong Q2 GDP growth of 3.3% signals that the recovery is broadening. At the same time, the breakdown of Canada-US trade talks and new tariffs on both sides introduce real uncertainty for businesses and households alike.

For our clients, today's announcement is a reminder that mortgage strategy is not just about where rates are today. It is about being prepared for where things could go.

The next scheduled rate announcement is October 28, 2026, alongside a new Monetary Policy Report.

If you have questions about your mortgage situation, we are here to help.
https://www.personalmortgage.ca/

💸 Your down payment is only PART of the cash you need on closing day.First-time buyers are often caught off guard by clo...
09/02/2026

💸 Your down payment is only PART of the cash you need on closing day.

First-time buyers are often caught off guard by closing costs — expenses that come due before you even get your keys. Here's what to budget for:

⚖️ LEGAL FEES
Required to handle the title transfer. Budget $1,000 to $2,000 or more.

🔍 HOME INSPECTION
Worth every penny — typically $400 to $600.

📊 APPRAISAL FEE
Some lenders require an independent appraisal. Usually $300 to $500.

🏠 PROPERTY INSURANCE
Required by your lender before funds are released.

🏛️ LAND TRANSFER TAX
Ontario has its own land transfer tax structure, and Hamilton buyers should budget for this in their closing costs.

🚚 MOVING COSTS
Don't forget this one. Budget $500 to $3,000 or more.

💡 Rule of thumb: budget 1.5 to 4% of the purchase price on top of your down payment for closing costs.

Contact us at personalmortgage.ca or send us a DM for a personalized closing cost estimate.
https://www.personalmortgage.ca/

📊 Thinking about adding a rental property to your portfolio? Smart move — but the mortgage rules are different, and the ...
08/27/2026

📊 Thinking about adding a rental property to your portfolio? Smart move — but the mortgage rules are different, and the strategy matters.

Here's what you need to know before you buy your first investment property in Canada:

💰 DOWN PAYMENT
Investment properties require a minimum 20% down payment. CMHC mortgage insurance is not available for rental properties.

📋 QUALIFYING CRITERIA
Lenders assess your existing debt load more carefully. Some will factor in projected rental income to help you qualify — but rules vary significantly by lender.

📈 RENTAL INCOME CALCULATIONS
Lenders typically use 50 to 80% of projected rental income when calculating your debt service ratios.

🏦 LENDER OPTIONS
Not all lenders offer competitive investment property mortgages. This is where having a broker who specializes in real estate investing makes a real difference.

Contact us at personalmortgage.ca or send us a DM — let's map out your investment mortgage strategy.
https://www.personalmortgage.ca/

🏡 SOLD. One of the best words in the English language.Behind every sold sign is a story — a first-time buyer who finally...
08/26/2026

🏡 SOLD. One of the best words in the English language.

Behind every sold sign is a story — a first-time buyer who finally made it happen, a growing family upsizing to more space, or a real estate investor adding to their portfolio.

And behind every smooth transaction is a mortgage that was handled properly from day one.

✅ Pre-approved and ready to move fast on the right property
✅ Rate held through the entire search period
✅ Conditions satisfied on time with no surprises
✅ Keys in hand on closing day

That's how we do it at Indi Mortgage — for buyers across Hamilton and the surrounding region.

Contact us at personalmortgage.ca or send us a DM to get pre-approved.
https://www.personalmortgage.ca/

🏠 Your home equity is more than a number on a statement — it's a financial tool. Here's how smart homeowners are putting...
08/20/2026

🏠 Your home equity is more than a number on a statement — it's a financial tool. Here's how smart homeowners are putting it to work.

If you've owned your Hamilton home for a few years, there's a good chance you've built significant equity. Here are the most common ways our clients use it strategically:

🔨 HOME RENOVATIONS
Fund upgrades that increase your home's value.

📈 INVESTMENT OPPORTUNITIES
Some homeowners use equity to invest in additional properties or diversify their financial portfolio.

💳 DEBT CONSOLIDATION
High-interest credit card or vehicle loan debt rolled into your mortgage at a much lower rate can save thousands in interest annually.

🎓 EDUCATION FUNDING
Home equity can be a cost-effective way to fund post-secondary education for yourself or your children.

⚠️ A word of caution: using equity strategically is smart. Using it to fund lifestyle spending without a clear plan is not.

Contact us at personalmortgage.ca or send us a DM — let's run the numbers on your equity.
https://www.personalmortgage.ca/

🛋️ Picture yourself here.This is what you're working towards — a space that's completely yours. Where you can paint the ...
08/19/2026

🛋️ Picture yourself here.

This is what you're working towards — a space that's completely yours. Where you can paint the walls any colour you want, hang pictures without asking permission, and build a life without the uncertainty of a lease renewal notice.

Our team has been helping Hamilton-area families make homeownership a reality. We know the market, we know the lenders, and we know how to build a plan that gets you there.

💬 What does your dream home look like? Drop it in the comments — then let's talk about how to make it happen.

Contact us at personalmortgage.ca or send us a DM.
https://www.personalmortgage.ca/

From pre-approval to closing, having the right mortgage team by your side can make the entire home-buying process feel c...
08/14/2026

From pre-approval to closing, having the right mortgage team by your side can make the entire home-buying process feel clear, comfortable, and stress-free 🏡✨

“Boyce and Trasie at Personal Mortgage Group/Indi Mortgage were fantastic and walked me through the entire mortgage process from pre-approval to closing on my recent purchase. No hard sell on any unwanted services, and friendly responsive answers to any questions I had.”

A great mortgage experience isn’t about pressure or pushing services you don’t need. It’s about understanding your options, getting clear answers when questions come up, and having knowledgeable support at every stage of the process.

Guidance from pre-approval to closing 🏠
Friendly, responsive support 💬
No pressure, just the options that make sense for you 🤝

Thank you for trusting Boyce and Trasie to be part of your home-buying journey. Making the mortgage process easier to understand while helping clients feel informed and supported every step of the way is exactly what the team strives to deliver.

Whether you're purchasing a home, refinancing, or exploring your mortgage options, the right guidance can help make the process smoother from start to finish.

🔄 Your mortgage renewal notice arrives. You're tempted to just sign and send it back. Please don't.Renewal is one of the...
08/13/2026

🔄 Your mortgage renewal notice arrives. You're tempted to just sign and send it back. Please don't.

Renewal is one of the best opportunities to save thousands of dollars on your mortgage — and most homeowners miss it entirely.

Here's what you should actually be doing at renewal time:

📊 REVIEW your current rate against what's actually available in today's market
🏦 COMPARE offers from multiple lenders — not just your existing one
📝 NEGOTIATE — lenders want to keep your business and there's almost always room to improve the offer
⏰ START EARLY — you can begin the renewal process up to 120 days before your term ends
💰 CONSIDER your goals — is now the right time to also refinance, change your amortization, or access your home equity?

💡 Your lender is counting on you to auto-renew without shopping around. Don't give them that easy win.

Contact us at personalmortgage.ca or send us a DM — let's review your renewal together.
https://www.personalmortgage.ca/

Address

233 Queen Street S
Hamilton, ON
L8P3S9

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19055460550

Website

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