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.

11/02/2026

On a variable-rate mortgage and wondering whether to lock in a fixed rate or stay variable? The right choice depends on your budget, plans, and comfort with changing rates.

Here are a few things to consider:

Your budget: Could you comfortably manage a higher payment if rates rise?
Your renewal: Compare rates and terms before signing a new offer.
Your future plans: If you might sell or refinance, check the potential costs of breaking your mortgage. Variable-rate penalties are often lower, but terms vary.
Your peace of mind: A fixed rate offers more payment certainty, while a variable rate can move with market conditions.

Not sure what makes sense for you? DM me your mortgage statement or renewal letter, and let’s review your options.

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

11/01/2026

Your home equity could be more than just a number!

A Home Equity Line of Credit (HELOC) may help you access available equity for renovations, major expenses, debt consolidation, or investment opportunities.

💡 The key is using your equity wisely! Remember, a HELOC is borrowed money secured against your home, so having a clear repayment plan matters.

📌 Save this post! Have questions about your home equity or mortgage options? Let's connect!
🔗 Get Started: https://michaelmarini.com/get-started/
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com
Michael Marini | Mortgage Agent Level 2

10/31/2026

Happy Halloween! They didn’t choose Dream Home Mortgage. Still waiting on loan approval.

Message us for a mortgage experience that isn’t scary.

https://michaelmarini.com/get-started/

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

10/31/2026

The Bank of Canada just raised rates for the first time since 2023.
Before you panic, here’s the short version: if you’re on a variable rate or HELOC, your cost goes up now, by about $13 a month per $100K on a typical mortgage. If you’re fixed, nothing changed today.
Most economists see one more increase, then a pause. The smartest move this week isn’t to react. It’s to know your numbers.
Renewing soon or unsure whether to stay variable? Send me a message with your renewal date and I’ll walk you through it.

https://michaelmarini.com/get-started/

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

10/30/2026

Buying a home? Know where your money is sitting.

→ FHSA: Build your first-home fund with tax advantages.
→ RRSP: The Home Buyers’ Plan may let eligible buyers use RRSP funds toward a home.
→ TFSA: Grow savings tax-free while keeping withdrawals flexible.
→ HISA: Keep short-term funds accessible while earning interest.
→ GIC: Consider for savings you won’t need until later.
→ Chequing: Keep your everyday finances organized and easy to document.

The right account for your money can make your homebuying plan much easier to manage.

Save this for when you’re getting mortgage-ready.

https://michaelmarini.com/get-started/

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

10/28/2026

The Bank of Canada has raised its overnight policy rate by 0.25 percentage points to 2.50%, citing persistent inflation pressures and ongoing uncertainty in the global economy.
With higher energy prices, rising business costs, and uncertainty around Canada–US trade, both inflation and economic growth remain important factors to watch.
For homeowners, buyers, and anyone approaching mortgage renewal, this is a good time to understand how rate changes could affect your mortgage strategy. Variable-rate mortgages may be more directly affected, while fixed mortgage rates are influenced by bond yields and other market factors.
Stay informed, review your options, and make decisions based on your financial situation rather than headlines alone.

🔗 https://michaelmarini.com/get-started/

📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com
Michael Marini | Mortgage Agent Level 2

10/28/2026

Did you know? Your commercial property's income can impact your mortgage approval!

Lenders may assess rental income, operating expenses, and property cash flow to determine how much financing a property can support.

💡 Strong property cash flow can make a difference when applying for a commercial mortgage!
📌 Save this post! Have mortgage-related questions? Let's connect.

🔗 https://michaelmarini.com/get-started/

📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com
Michael Marini | Mortgage Agent Level 2

10/26/2026

Getting approved for $950K doesn’t mean you need to spend $950K.

This couple had a strong household income, no debt, and could have qualified for significantly more. Instead, they chose an $800K townhouse and kept their monthly payment within a budget that felt comfortable for their actual life.

That’s the difference between what you can borrow and what you should borrow.

The goal isn’t to buy the most expensive home a lender will approve. It’s to find a home you can enjoy while still having room for savings, everyday expenses, and the unexpected.

Your approval is a number. Your budget is personal.

Save this if you’re planning your first home purchase.
https://michaelmarini.com/get-started/
To connect with me:
📞 Call: 416-549-1676
🌐 Visit: www.michaelmarini.com

10/24/2026

When your term ends, you have an opportunity to review your mortgage, compare what’s available, and make sure your next term still fits your financial goals.

Your current lender may have a good offer, but you won’t know what else is available until you look.

Before you renew, take a moment to compare. A little research could make a meaningful difference over the next few years.

DM me and let’s see what your options look like.

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

10/23/2026

The Bank of Canada’s next rate announcement is coming up on Wednesday, October 28, 2026.

The current overnight rate is 2.25%. Whatever happens next, the announcement is a good reminder to understand how rate decisions can affect your mortgage, especially if you’re considering buying, refinancing, or renewing.

Stay informed, understand your options, and make decisions based on your own financial situation.

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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