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TMG The Mortgage Group Alberta Ltd.

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Mortgage advice from someone who's lived real life.
I’m an award-winning mortgage broker, philanthropist, cancer survivor, and single mom of two — which means I don’t just understand mortgages. I understand pressure, responsibility, and making smart decisions when it matters most.
I don’t believe in cookie-cutter advice or one-size-fits-all mortgages. I believe in strategy that actually fits your life. As a top-producing, award-winning mortgage broker, I’ve helped people buy their first home, upgrade, renew, refinance, invest, rebuild after divorce, and navigate self-employed income — often in seasons where life felt anything but simple. As a single mom, I understand the weight of financial decisions when the responsibility sits squarely on your shoulders. As a cancer survivor, I understand how quickly life can change — and why flexibility, protection, and long-term planning matter just as much as rate. And as a philanthropist and community advocate, I care deeply about building stability, not just approvals. This isn’t just my profession. It’s personal. Mortgages, done with heart, strategy, and experience.
  • Expertise
    I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs.
  • Save you time with one-stop shopping
    Instead of spending your valuable time meeting with competing mortgage lenders, I can quickly narrow down the list of lenders that will help you achieve your financial goals. I will make your comparison-shopping fast, easy, and convenient.
  • No cost to you
    For most residential mortgage transactions, there’s no direct fee charged to you. Like other professionals (e.g., insurance advisors), mortgage brokers are typically paid a finder’s fee by the lender for bringing qualified clients.
Why Should You Use My Services?

Because your mortgage deserves more than a quick approval.

You get a broker who shows up with experience, strategy, and heart — someone who understands the weight of the decision you’re making and treats it with the respect it deserves.

This isn’t about fitting you into a box.
It’s about building a mortgage that fits you.

 
Think Outside the Branch for Your Mortgage
Purchase
Buying your first home or your next one? I’ll help you structure a mortgage that fits your life, your income, and your future — not just today’s approval.
Renewal
Before you auto-renew, let’s talk. I’ll review your options, explain what actually matters, and make sure your mortgage still works for you — not just your lender.
Refinancing
Whether it’s lowering payments, consolidating debt, or accessing equity, refinancing can be a powerful tool. I’ll help you use it strategically and with clarity.
Ready When You Are.
From first-time buyers to seasoned homeowners, I’ll help you navigate the process with clarity and confidence — starting right here.
Types of Mortgages

A fixed mortgage offers you the security of locking in your interest rate for the term of your mortgage, so you know exactly how much principal and interest you will be paying on the mortgage during the term. Terms range from 6 months to 10 years. Fixed rate mortgages offer some form of pre-payment, from 10% to 25% of the original mortgage balance each year, depending on the lender. If you wish to pay off your mortgage in full, there will be a penalty of either 3 months simple interest, or an Interest Rate Differential (IRD). The benefit of this mortgage is the rate is lower than an open mortgage, making it a more popular option if you have no plans to pre-pay it in full during the term you select.

A variable-rate mortgage allows you to take advantage of today's low Prime Rate. Most variable rate products are set below prime, terms range from 1 to 5 years. Payments vary depending on the product or lender you choose. In some cases you can fix your payments for up to 5 years, but the interest rate will fluctuate as the Bank Prime Rate changes. In other cases your monthly payments will fluctuate depending on how many times the Prime Rate changes during your term.

An open mortgage allows you the flexibility to pay off some or the entire mortgage at any time, without penalty. Interest rates are usually higher and are tied to the Bank's Prime Rate.

A secured line-of-credit allows you to access the equity in your home whenever you choose. Rates are tied to prime, usually slightly above prime. Required payment on the balance is interest only, making it a good choice where cash flow may be important. Lower interest rates compared to an unsecured line of credit. You may have a secured line of credit and a mortgage, if you have good equity in your home.

The Rates, Today
Because I work with a wide variety of lenders I can access competitive, lower-than-advertised interest rates. Check back often to see how these rates compare to average bank rates.
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My Mortgage Blog — Latest Posts
Katherine Douglas || September 02, 2026
The rate didn’t move. Your mortgage strategy still can.
The Bank of Canada held its policy rate at 2.25% this week, leaving borrowing costs unchanged for Canadians with variable-rate mortgages and other products tied to lenders’ prime...
Read More
Katherine Douglas || August 18, 2026
Canadian inflation reaches 3% as gasoline and travel costs rise
Canada's annual inflation rate rose to 3.0% in July from 2.8% in June, reaching the upper end of the Bank of Canada’s target range. The increase was slightly larger than economists expected and...
Read More
Katherine Douglas || June 17, 2026
Home sales rise in May as buyers return to a stabilizing market
Canada’s housing market showed signs of renewed momentum in May, with national home sales rising 5.5% from April, according to the Canadian Real Estate Association (CREA). The gain marked the first...
Read More
Katherine Douglas || June 01, 2026
Is Canada in a recession? Economists say the answer is more complicated
Canada’s economy showed little growth at the start of 2026, raising fresh questions about whether the country has slipped into a technical recession. Statistics Canada reported that...
Read More
View More
Contact me! Let's get started today!

Get in touch with me today for your free consultation!

Whether you’re buying your first home, purchasing again, renewing, refinancing, or just looking for honest guidance, I’m here to help you make a clear, confident plan — without pressure.