Todd Kristoff Mortgage Professional

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Regina, SK
Todd Kristoff Mortgage Professional

Did you know that getting pre-approved is one of the most important steps when purchasing you home? I will help you achieve your dream of home ownership.

As your Mortgage Professional I save you thousands, while ensuring you are in the right mortgage product for you.

10/29/2026

The impact of yesterdays prime rate increase. As always, feel free to give me a shout if you would like to discuss things.

10/19/2026

If you have any interest in variable rate announcements or info. Have a watch. I am always here to chat!
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10/19/2026

We’ve received good news and meh news on the variable interest rate front.
Have a watch if you’re interested in variable rates.
Todd Kristoff Mortgage Professional Todd Kristoff

10/07/2026

3 minutes for 3 big announcements. If you are on a variable rate mortgage you are going to want to listen.

10/05/2026

There’s something pretty special about winning a Provincial Championship with your son — him on the grass battling for every inch, and me on the sidelines trying to help guide him and his teammates along the way.

Lacrosse is not an easy sport. It can be physical, violent and brutal at times. There are bumps, bruises, aches, tears, and moments when the body is telling you to slow down. But somewhere in all of that, it teaches kids something that goes far beyond the game. It teaches them to push through adversity, to battle when things hurt, to get back up when they’re knocked down, and to keep going when quitting would be easier.

As a dad and a coach, those are the lessons I hope stick with them long after the trophies are put away.

Proud of this group, proud of my son, and incredibly grateful that I got to experience this championship with him! 🏆🥍 Saskatchewan Lacrosse Association

09/16/2026

🏠When people hear the word “refinance”, they often think, “That’s for paying off debt.”
And while that can be a great reason to refinance, it’s definitely not the only one!
A refinance is essentially taking a new mortgage against your home to access some of the equity you’ve built up. That money can then be used for a variety of purposes, depending on your goals and financial situation.
💰Some common reasons to refinance include:
🔨Home renovations — Finish the basement, update the kitchen, build that deck, or tackle those projects you’ve been putting off.
🚗A major upcoming purchase — Maybe you need a new vehicle, are helping a family member, or have another large expense coming up.
📈Future investments — Accessing equity can give you cash available to take advantage of an investment opportunity.
💵Debt consolidation — Combining higher-interest debts into your mortgage can potentially simplify your finances and reduce your monthly payments.
🏦Cash on hand — Sometimes you simply want to have access to your equity rather than waiting until you need it.
The process is fairly straightforward: we look at the value of your home, how much you currently owe, your income and overall financial situation, and determine how much equity may be available. From there, we look at your goals and figure out whether a refinance makes sense and what the best structure could look like.
The important thing to remember: A refinance isn’t just about getting rid of debt. It can be a tool to help you use the equity you’ve built in your home to accomplish your financial goals.
If you’re wondering what options might be available to you, let’s have a conversation. Sometimes it helps just to know what’s possible. 👊

09/16/2026

🏠 Thinking About a Refinance? Here’s How It Works!

When people hear the word "refinance", they often think, “That’s for paying off debt.”

And while that can be a great reason to refinance, it’s definitely not the only one!

A refinance is essentially taking a new mortgage against your home to access some of the equity you’ve built up. That money can then be used for a variety of purposes, depending on your goals and financial situation.

💰 Some common reasons to refinance include:

🔨 Home renovations — Finish the basement, update the kitchen, build that deck, or tackle those projects you’ve been putting off.

🚗 A major upcoming purchase — Maybe you need a new vehicle, are helping a family member, or have another large expense coming up.

📈 Future investments — Accessing equity can give you cash available to take advantage of an investment opportunity.

💵 Debt consolidation — Combining higher-interest debts into your mortgage can potentially simplify your finances and reduce your monthly payments.

🏦 Cash on hand — Sometimes you simply want to have access to your equity rather than waiting until you need it.

The process is fairly straightforward: we look at the value of your home, how much you currently owe, your income and overall financial situation, and determine how much equity may be available. From there, we look at your goals and figure out whether a refinance makes sense and what the best structure could look like.

The important thing to remember: A refinance isn't just about getting rid of debt. It can be a tool to help you use the equity you've built in your home to accomplish your financial goals.

If you're wondering what options might be available to you, let's have a conversation. Sometimes it helps just to know what's possible. 👊

09/02/2026

No change from the Bank of Canada today. Welcome news for variable rate clients. Todd Kristoff Mortgage ProfessionalTMG The Mortgage Group Canada

06/08/2026

Bank of Canada announcement coming this Wednesday. Do you think there will be a change in prime? I don’t

05/26/2026

A kind review from a happy client!

If your mortgage is coming due, now is the time to start talking.

Address

2244 Albert Street
Regina, SK
S4P2V2

Website

http://www.ToddKristoff.com/

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