Toronto Mortgage Broker - TMG - The Mortgage Group

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Toronto Mortgage Broker - TMG - The Mortgage Group

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Toronto Mortgage Broker - TMG - The Mortgage Group, Mortgage brokers, 60 Atlantic Avenue, Toronto, Toronto, ON.

Helping families, first-time buyers, and investors secure the right mortgage with clarity, confidence, and competitive solutions—guiding you every step toward homeownership.

09/05/2026

Self-employed and planning to buy a home?

-Write off what you’re entitled to, but understand how it can affect qualifying income
- Put your tax savings toward your down payment
- Work with a broker who understands self-employed borrowers
- Explore different income verification options
- Find a lender and mortgage strategy that fits your situation

Being self-employed doesn’t mean you’re shut out of homeownership. The right strategy can make a difference.

General guidance only. Speak with a broker and accountant about your specific situation.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

09/04/2026

Buying a home is about more than the purchase price.

Your down payment, income, debts, credit, and mortgage rate all play a role in what you may qualify for.

These numbers are just estimates, but they’re a helpful starting point.

Want to know what your numbers could look like? Reach out for a personalized estimate.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

09/03/2026

BoC Update: same rate, new risks.

The Bank of Canada held at 2.25% again, but behind that "no change" headline, there's a lot shifting: rising bond yields, new US tariffs, and a Q2 economy that bounced back stronger than expected.

Swipe through for the full breakdown 👉

Mark your calendar: the next rate announcement is Wednesday, October 28, 2026. I'll break that one down too — follow along so you don't miss it.

If you're renewing or thinking about refinancing, this is a good time to check your options before deciding anything. No pressure — just information.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

09/02/2026

Bank of Canada holds its key interest rate at 2.25%.
It's not flashy news, but it means welcome stability if you're buying a home, renewing, or refinancing.
The economy is showing encouraging signs, though uncertainty remains, which is exactly why today's headline rate shouldn't be the only thing driving your decision.
Every mortgage is different. The right move depends on your goals, timeline, and financial picture, not just what the Bank of Canada announced this morning.
Curious what this means for you? Let's chat, whether you're ready to move now or just want to explore your options.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

09/01/2026

Mortgage renewal coming up? Don’t just sign and move on.

- Your lender’s renewal rate may not be your best option
- You can compare rates from other lenders before renewing
- Even a small rate difference can add up over your term
- Renewal can also be a good time to review high-interest debt
- Start exploring your options before your renewal date

Don’t just renew. Take a moment to review.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

08/31/2026

Thinking about refinancing your mortgage? Before you make a move, know the numbers.

-Start with your goal: lower payments, access equity, or consolidate high-interest debt.
-Check your current mortgage balance and home value.
-Understand your potential prepayment penalty before breaking your mortgage.
-Compare rates, terms, and features instead of automatically staying with your current lender.
-Remember, you’ll need to re-qualify for the new mortgage.
-Review the appraisal, commitment letter, and closing costs before signing.
-Most importantly, make sure the potential savings outweigh the costs of refinancing.

Refinancing can be a smart move, but only when the numbers make sense for you.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

08/29/2026

Reminder Alert!

The Bank of Canada’s next interest rate announcement is coming on 2nd September, 2026

Whether you’re currently paying a mortgage, planning to buy a home, or thinking about renewing or refinancing, this update could impact the Canadian housing and lending market.

A good reminder to stay informed and keep an eye on where rates may be heading.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

08/28/2026

Renewal coming up? Don’t just stay because it’s easier.

-Switching could mean a better rate
-Staying can be simpler and more convenient
-Your current lender may not offer their best rate upfront
-Compare your options before signing
-The right choice depends on your rate, goals, and overall situation

A renewal is a chance to review — not just renew.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

08/27/2026

Refinancing isn't a "always do it" or "never do it" decision, it comes down to your numbers.

Makes sense to explore if:
→ You could lock in a real drop in your rate
→ You need access to equity, and it'd cost less than a HELOC
→ Rolling your debts together would actually lower what you pay overall

Might be worth waiting if:
→ Your term's about to end anyway
→ The penalty would cancel out most of what you'd save
→ Your credit or income isn't where it was at your last approval

Bottom line: do the math before you decide. What looks like a good deal on paper isn't always one once penalties and fees are factored in.

This is general guidance, not personalized financial advice. Confirm your actual costs (penalty vs. savings) before making a move.

Want me to try a shorter, more casual version or something more formal/professional in tone?
To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

08/26/2026

Breaking your mortgage isn’t always the answer, but neither is automatically accepting your lender’s renewal offer.

Before you renew, take a closer look at your rate, your goals, and what other options are available.

Sometimes, a quick review can make a big difference.

To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

Address

60 Atlantic Avenue, Toronto
Toronto, ON
M6K1X9

Website

http://www.michaelmarini.com/, http://www.linkedin.com/in/torontomortgages

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