The Personal Mortgage Group

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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 lifestyle 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!

🏠💰 Don't stop at the down payment! When determining your affordability to buy a property, factor in closing costs too.1️...
10/08/2026

🏠💰 Don't stop at the down payment! When determining your affordability to buy a property, factor in closing costs too.

1️⃣ INSPECTION OR APPRAISAL
Hiring professionals to ensure the property is in good condition is a necessary step with a price tag.

2️⃣ LAWYER FEES
Legal expertise is essential during the property purchase process.

3️⃣ TAXES
Depending on your location, various taxes — including Ontario's land transfer tax — may apply.

4️⃣ INSURANCE
Protecting your investment with home insurance is paramount.

5️⃣ MOVING EXPENSES
Hiring movers, transportation, and packing materials all add up.

6️⃣ UTILITIES
Don't forget connection fees and initial payments for your new property.

💡 The costs above can vary based on service providers and your specific situation. For an accurate estimate tailored to you, reach out anytime.

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

📦 Moving day. The beautiful, exhausting, emotional chaos of it all.New keys. New neighbourhood. New chapter.There's some...
10/07/2026

📦 Moving day. The beautiful, exhausting, emotional chaos of it all.

New keys. New neighbourhood. New chapter.

There's something so powerful about watching a family carry their life into a new home — boxes stacked in every room, that wonderful mix of excitement and "where does all this stuff go?"

It's one of our favourite parts of this job. Because it means everything worked.

Contact us at personalmortgage.ca or send us a DM — your moving day is closer than you think.
https://www.personalmortgage.ca/

🚪 A bank saying no is not the end of the road. Not even close.Alternative lending opens up a world of possibilities beyo...
10/01/2026

🚪 A bank saying no is not the end of the road. Not even close.

Alternative lending opens up a world of possibilities beyond the conventional banking route. With innovative solutions, alternative lenders aim to empower Canadians who might not qualify for traditional mortgage financing.

Here are a few scenarios where alternative lending could be the right fit:

1️⃣ DAMAGED CREDIT
If your credit history has seen better days, alternative lending offers tailored solutions to rebuild your situation.

2️⃣ SELF-EMPLOYMENT
As an entrepreneur, you deserve mortgage options that recognize your unique income streams.

3️⃣ NON-TRADITIONAL INCOME
Unconventional income sources shouldn't limit your homeownership dreams.

4️⃣ EXPANDED DEBT-SERVICE RATIOS
Sometimes your financial situation doesn't fit neatly into traditional lending guidelines.

💡 Accessing alternative lending products is exclusively through the mortgage broker channel.

Contact us at personalmortgage.ca or send us a DM to explore what might suit your needs.
https://www.personalmortgage.ca/

✍️ Closing day. The moment all the pieces come together.Behind every smooth signing is weeks of preparation — pre-approv...
09/30/2026

✍️ Closing day. The moment all the pieces come together.

Behind every smooth signing is weeks of preparation — pre-approval, financial documentation, lender negotiations, property appraisal, legal review. Our job is to manage all of that so that when you sit down to sign, everything is exactly where it should be.

No surprises. No last-minute scrambles.

Contact us at personalmortgage.ca or send us a DM to start the process.
https://www.personalmortgage.ca/

💼 If you're going through a divorce or separation, there are special programs that allow you to keep the matrimonial hom...
09/24/2026

💼 If you're going through a divorce or separation, there are special programs that allow you to keep the matrimonial home.

This is one of the most nuanced areas of mortgage financing — and one we work with clients through regularly. Here's what you need to know:

🏠 OPTION 1: ONE PARTNER KEEPS THE HOME
The staying partner needs to qualify for the mortgage on their own income, often through a refinance to buy out the other partner's equity.

🏠 OPTION 2: SELL THE PROPERTY
If neither partner can qualify alone, the mortgage is discharged on sale.

🏠 OPTION 3: HOLD JOINTLY TEMPORARILY
In some cases, both parties remain on title temporarily while finances are sorted.

⚠️ Simply removing someone's name from the title does not remove them from the mortgage.

This is a sensitive situation and we handle every file with complete discretion.

Contact us at personalmortgage.ca or send us a DM — it would be a pleasure to work with you.
https://www.personalmortgage.ca/

🏘️ This is what community looks like in Hamilton.Tree-lined streets. Character homes. Neighbours who actually know each ...
09/23/2026

🏘️ This is what community looks like in Hamilton.

Tree-lined streets. Character homes. Neighbours who actually know each other. Hamilton continues to draw buyers who want more of this — more space, more value, more of what a home is actually supposed to feel like.

💬 What's your favourite Hamilton neighbourhood? Let us know below 👇

Contact us at personalmortgage.ca or send us a DM — we'd love to help you find your place here.
https://www.personalmortgage.ca/

🏦 If you're considering purchasing a property or renewing your mortgage and planning to approach your bank directly — ho...
09/17/2026

🏦 If you're considering purchasing a property or renewing your mortgage and planning to approach your bank directly — hold on. Arm yourself with a few insights first.

1️⃣ LIMITED ACCESS TO MORTGAGE PRODUCTS
Banks have a limited range of mortgage products available. They may not have the ideal solution tailored to your unique needs.

2️⃣ SALESPEOPLE VS. MORTGAGE EXPERTS
Bank employees are primarily sales-focused. Independent mortgage professionals specialize in mortgages and work on your behalf.

3️⃣ HIDDEN BEST TERMS
Banks rarely present their most favourable mortgage terms upfront.

4️⃣ RESTRICTIVE MORTGAGE PRODUCTS
Many banks promote mortgage products with restrictive terms that may not align with your long-term financial objectives.

💡 Working with an independent mortgage professional means access to a wide range of products from multiple lenders — all aimed at finding the best solution for you.

Contact us at personalmortgage.ca or send us a DM — let's explore the ideal mortgage product for you.
https://www.personalmortgage.ca/

🍳 The kitchen where morning coffee tastes better — because it's yours.There's something special about a home that belong...
09/16/2026

🍳 The kitchen where morning coffee tastes better — because it's yours.

There's something special about a home that belongs to you. Every corner, every appliance, every quiet morning in your own space.

At Indi Mortgage, we believe everyone deserves access to that feeling — and we work hard every day to help our clients across Hamilton get there, whether it's their first home or their fifth.

💬 What's the first thing you'd do to make your dream kitchen your own? Drop your answer below 👇

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

🚫 MYTH: You need 20% down to buy a home in Canada.✅ FACT: You can buy with as little as 5% down.This is one of the most ...
09/10/2026

🚫 MYTH: You need 20% down to buy a home in Canada.
✅ FACT: You can buy with as little as 5% down.

This is one of the most common misconceptions that keeps first-time buyers on the sidelines longer than necessary. Here's how Canada's insured mortgage program actually works:

🏡 DOWN PAYMENT REQUIREMENTS:
• Under $500,000 purchase price → minimum 5% down
• $500,000 to $999,999 → 5% on the first $500K, 10% on the remainder
• $1,000,000 or more → minimum 20% down (no insurance available)

🛡️ WHAT IS CMHC INSURANCE?
When your down payment is under 20%, your mortgage is insured through CMHC, Sagen, or Canada Guaranty. The premium is added to your mortgage and protects the lender in case of default.

💡 CMHC PREMIUM RATES:
• 5 to 9.99% down → 4.00% premium
• 10 to 14.99% down → 3.10% premium
• 15 to 19.99% down → 2.80% premium

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

☀️ Summer in Hamilton hits differently.The waterfront trails. The patios. The escarpment views. It's one of the most und...
09/09/2026

☀️ Summer in Hamilton hits differently.

The waterfront trails. The patios. The escarpment views. It's one of the most underrated cities in Ontario — and we get to call it home.

Whether you're just starting your home search or you've been thinking about making a move this summer, there's no better time to get your mortgage strategy in place.

Summer is historically one of the busiest real estate seasons in Hamilton. The buyers who move fastest are the ones who came prepared.

💬 What's your favourite thing to do in Hamilton in the summer? Let us know below 👇

Contact us at personalmortgage.ca or send us a DM — let's make homeownership happen this summer.
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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