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TMG HQ

Welcome to TMG HQ. Let us sweat the small details so you don't have to!

We're a group of award-winning Mortgage Brokers with years of experience negotiating the best rates and providing exceptional customer service.

07/26/2022

✨For our fifth and final ICE CREAM GIVEAWAY, we have Dessart - located at 3036 13th Ave.

Enter to win a $50 gift card to enjoy all that Dessart Sweets Ice Cream & Candy Store has to offer. They are located in a heritage building in the heart of the Cathedral area of Regina, Dessart specializes in retro candy, UK sweets, tons of other candy options and from March – October every year they are THE place to get ice cream. They offer everything you can dream up when it comes to their ice cream selection, hard ice cream, soft ice cream, twisters, milkshakes, waffle cones and sundaes. Mmm, however will you choose!! You can tell by smile that he is excited to feature this one of a kind spot🍦

How to enter:
Follow .hq
Tag a friend (unlimited entries)
Share this post to your story for an extra entry

Winner will be announced Thursday, July 28th✨

07/19/2022

✨Fourth up for our ICE CREAM GIVEAWAY series where we highlight different ice cream places in Regina, we have Milky Way located at 910 Victoria Ave.

Enter to win a $50 gift card to enjoy Milky Way, the local ice cream landmark of the queen city. Milky Way has an extensive selection of hard and soft ice cream flavours, milkshakes, floats, smoothies and cyclones. How will you choose just one?
Milky Way is the best way to celebrate any occasion, a first date/birthdays/Fridays haha or simply a father daughter date like pictured here with and his daughter🍦

How to enter:
Follow .hq
Tag a friend (unlimited entries)
Share this post to your story for an extra entry
Winner will be announced Thursday, July 21st✨

07/12/2022

✨Third up for our ICE CREAM GIVEAWAY series where we highlight different ice cream places in Regina, we have located at 2811 13th Ave.

Enter to win a $50 gift card to enjoy Elle’s café ice cream + dole whip. They are known for providing organic, Fair trade tea and coffee, they work with local dairy suppliers and deli‘s to source the freshest, highest quality offerings. Their dole whip is to die for, if you need convincing just ask he will be sure to pitch you why it’s a must try this summer🍦

How to enter:
Follow .hq
Tag a friend (unlimited entries)
Share this post to your story for an extra entry

Winner will be announced Thursday, July 14th✨

06/28/2022

✨ Our team is excited to announce our ICE CREAM GIVEAWAY series!! We will be highlighting different ice cream places in Regina for the next five weeks.
First up we have, Marble Slab Creamery located at 5552 Rochdale Blvd

Kick off summer with a $50 gift card to enjoy some delicious ice cream and an experience, at Marble Slab they mix up ice cream right in front of you on their legendary frozen slab.

and her kiddos are pretty happy they were first up for our ice cream series 🍨

How to enter:

Follow
Tag a friend (unlimited entries)
Share this post to your story for an extra entry

Winner will be announced Thursday, June 30th right in time for the long weekend ✨

06/27/2022

✨For our team at TMG HQ, our first step of the mortgage process is to have an initial conversation to learn about your goals, and determine how best we can help you.

Next, we’ll have you fill out a mortgage application, which will give us the information needed to best represent you to banks and lenders. We’ll review your income, discuss down payment and how much you want to put towards your purchase.
The mortgage application asks for a significant amount of information, this information will help determine what are the best options for your financial situation.

Looking to get started on the mortgage process? Feel free to reach out and ask us any questions you have and where to find a mortgage application ✨

06/22/2022

✨ A mortgage preapproval is a quick way to see how much a lender is willing to extend you when you’re ready to start house hunting. In the preapproval process, you’ll find out the following:

• the maximum amount of mortgage you qualify for
• What your potential interest rate will be
• What your estimated monthly payments will be

During the process, the lender will ask for your personal information, various documents and will likely run a credit check.
This process does not guarantee your approval for a mortgage. But, it does put you in the best possible position to qualify when the time comes to put in an offer✨

06/21/2022

✨ A mortgage broker helps you determine your financial objectives and will find the right fit in terms of a lender. Many people’s first instinct when they need a mortgage is to go to their bank. And that is fine, we work with banks and credit unions all the time. However, the Mortgage Specialists at the branches can only offer you the options within their own institution. There is so much more out there. What that bank offers may not be the best option for your situation. A mortgage broker will do the shopping for you. One application, one credit check but many lender options.

When assessing your mortgage needs many variables may go into determining “fit” and it takes a mortgage broker to make that evaluation. They can provide you with an unbiased option and select the lenders that make the most sense based on your financial situation.
When using a mortgage broker, you build a relationship with someone who is knowledgeable about your specific financial situation and who will continue to support you in all your future mortgage needs✨

06/20/2022

✨You’ve made an offer on a home and its been accepted. Or, you’ve decided to remodel that dusty old basement and need to refinance. OR, your mortgage has come up for renewal and you want to explore better terms and interest rates... Now what?

Connect with one of our trusted brokers, who can ensure that your monthly mortgage payment is one you can afford.

Not only do we have access to lenders who can offer low rates, we’ll leave you with a good understanding of your monthly payments so you’ll feel more confident managing the biggest investment of your life!✨

06/17/2022

✨5 tips for getting a mortgage:

1) Make sure all income is provable
• All lenders will check your income, and that of any joint applicant to make sure it is what you say it is. Well ahead of applying for your mortgage it is beneficial to get your paperwork together to ensure that everything is in order when you need to prove your income.
2) Save a large deposit
• The larger the deposit you can save the better are your chances of getting a mortgage as lenders try to limit the risk they are taking with each mortgage.
3) Check your credit rating
• Every lender will assess your credit rating to see if you are reliable as a borrower
4) Don’t apply for any new credit
• You should not apply for any new debts as this will be recorded on your credit file and new debts will flag up to a prospective lender that you are stretching yourself financially
5) Payoff unsecured debts
• If you have unsecured debts with siezable monthly payments then it would be beneficial if you pay these off prior to applying for a mortgage. This will reduce your regular outgoings and increase the amount of income available to service your new mortgage ✨

06/16/2022

✨How is your credit score determined?

• Payment History 35%
make a payment or miss a payment, it’s on your credit file
• Amounts you owe 30%
try to owe under 50% of total limit on all credit
• Credit History 15%
the longer you’ve had credit, the clearer the picture of how you manage debt
• Types of Credit used 10%
• New Credit 10%

How does it affect home buying?

• A credit score is a number between about 300-900 that conveys to lenders how risky you are as a borrower
• Your payment history, current debt levels, types of credit accounts and the average age of all your credit accounts all affect your credit score
✨

04/13/2022

🪴 Administrative Professionals GIVEAWAY! ☕️

On April 27th it is Administrative Professionals Day and we want to celebrate the work of secretaries, administrative assistants and other office professionals for their contributions to the workplace 😊

Administrative Professionals are the central to any business, these professionals keep an office organized and efficient. To show your gratitude, give your favourite Admin Professional a chance to win this beautiful black raven plant and a $25 gift card from these wonderful local businesses:

☕️
🪴

HOW TO ENTER:
✨Tag an amazing Admin Professional on this post who you believe deserves to win
✨Like our page

The lucky winner will be selected Tuesday, April 26th

03/25/2022

✨Mortgage Tip✨

Home Equity Line of Credit is usually set to an interest only payments and in most cases, never gets paid off!

Variable rate mortgage is a type of home loan, interest payments will be adjusted at a level above a specific benchmark or reference rate. Variable has set repayment to pay down.

Line of credit is more than prime vs. variable rate mortgage is lower than prime.

Interest paid on line of credit far outweighs the penalty on a variable rate mortgage.

Address

2244 Albert Street
Regina, SK
S4P2V2

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