Elanna Brennand - TMG Mortgage Broker

Elanna Brennand - TMG Mortgage Broker Think outside the Branch Are you shopping around for the best mortgage…? Let me do your leg work.
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From the best rates, to the most flexibly; as a TMG Mortgage Associate I work with a wide variety of lenders to provide you with the most suitable mortgage solutions for all your mortgage and financial needs. Contact me anytime to receive a complimentary pre-approval.

… Not in need of a mortgage at the moment but know someone who is? I offer gift certificates for all successful referrals sent my way.

Happy 20th Birthday to my girl 🤍January 10, 2006. The day my world changed in the very best way.Twenty years. Saying tha...
01/10/2026

Happy 20th Birthday to my girl 🤍

January 10, 2006. The day my world changed in the very best way.

Twenty years. Saying that out loud feels surreal. I no longer have a teenager. I have a full grown adult, and I’m not sure how that happened so fast. Yet here you are, becoming more you every single year and somehow even more incredible than the last.

This year has been another reminder of just how special you are. Second year of nursing, which you handle with patience, and grace, like it’s exactly what you were meant to do. Watching you care for others with the perfect balance of empathy and strength fills me with more pride than I can put into words. You work so hard, juggle so much, and still manage to make it all look effortless, even when I know it’s not.

You’ve grown so much at school, at work, and in life. From nursing labs to running all the different positions at Earls, you step into every role with confidence, kindness, and that quiet capability that has always amazed me. You are brilliant, funny, gorgeous, witty, endlessly curious, full of random facts, and a true sponge for knowledge.

I know I get on you for being messy, but I already know one day I’ll miss the clothes on the floor, the half finished drinks, and the signs that you’re still here at home. It’s one of those quirks I’ll hold onto when you eventually leave the nest, because it’s part of you.

You are light. You brighten every room you walk into with your smile, one that cost a small fortune in Invisalign and still comes without a retainer 😉 but worth every penny. You are my built in best friend, my favourite person to hang out with, and someone I genuinely admire.

I don’t know how I got so lucky to be your mom. I don’t know how I raised such a wonderful human. I just know I am constantly in awe of you, endlessly proud of you, and so grateful you’re mine.

Here’s to 20 years of loving you and to everything still ahead. The world is better with you in it, and so is my life.

I love you more than words can say. Always.

Love,
Mom 🤍

03/12/2025

Another rate cut—here’s how it affects your mortgage

The Bank of Canada just lowered interest rates again, cutting its policy rate by 25 basis points to 2.75%. If you have a variable-rate mortgage or a line of credit, this likely means some relief in the form of lower interest costs.

What this means for you

Most lenders are expected to drop their prime rate to 4.95% in the coming days, which will bring down borrowing costs for many Canadians. TD Bank, which typically prices its mortgage prime rate slightly higher, is expected to lower its rate to 5.10%.

If you have a variable-rate mortgage with adjustable payments, you can expect to save about $14 per $100,000 of mortgage balance on a 25-year amortization. If your variable-rate mortgage has fixed payments, more of your payment will now go toward your principal. Fixed-rate mortgages won’t be affected immediately, but if rates keep trending lower, it could mean better renewal or refinancing opportunities down the road.

What’s next?

Looking ahead, the Bank of Canada will be keeping a close eye on both inflation and broader economic risks, including the potential impact of U.S. trade tariffs. The next rate decision is set for April 16.

If you’re wondering how this could impact your mortgage strategy, let’s chat. I’d be happy to help!

Happy 19th Birthday to my beautiful girl! 💖This past year, you’ve done nothing short of amaze me. Graduating high school...
01/10/2025

Happy 19th Birthday to my beautiful girl! 💖

This past year, you’ve done nothing short of amaze me. Graduating high school with honors, traveling to Europe, being the MC at your grad, starting nursing school, excelling at your job—everything you touch, you seem to shine at. Your work ethic, determination, and ability to accomplish anything you set your mind to leave me in awe every single day.

You’re smart, beautiful, funny, determined, and such a joy to be around (most of the time 😉). Proud doesn’t even begin to cover it. There are no words to truly express how loved and wonderful you are. For 19 years, you’ve blessed me every single day. I’m so lucky to be your momma—I still can’t believe you’re mine.

You’re my world, my best friend, and the greatest blessing of my life. Watching you grow into the incredible young woman you are has been the greatest privilege. I love you more than words can say. 💕

Here’s to another year of you making your dreams a reality. The best is yet to come! 🌟

Love,
Your forever proud Mom ❤️

Bank of Canada cuts Prime rate by 0.50%
12/11/2024

Bank of Canada cuts Prime rate by 0.50%

Happy daughter’s day to my built-in bestie. I love you to the moon. ❤️mom
09/26/2024

Happy daughter’s day to my built-in bestie. I love you to the moon.

❤️mom

First day of Kindergarten and first day of University🥹. Of all of Brooklynn’s milestones, this one makes me the most pro...
09/04/2024

First day of Kindergarten and first day of University🥹.
Of all of Brooklynn’s milestones, this one makes me the most proud❤️. Seeing my girl off to nursing school today has hit me right in the feels.
It wasn’t too long ago😉 that Brooklynn helped me graduate from University 😘.

Sometimes it's hard to decide whether to share these kinds of things. But let me tell you, having awesome clients and pa...
02/14/2024

Sometimes it's hard to decide whether to share these kinds of things. But let me tell you, having awesome clients and partners is something I am super grateful for.

So proud of my girl. Grade 11 High Honours and the coaches award for soccer. This girl never ceases to amaze me.
11/24/2023

So proud of my girl. Grade 11 High Honours and the coaches award for soccer. This girl never ceases to amaze me.

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Regina, SK

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