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TMG The Mortgage Group (Ontario) Inc.
Meet Julie.
Helping clients make confident mortgage decisions through thoughtful advice and tailored strategies.
Whether you're purchasing your first home, building a custom home, refinancing, investing in real estate, or growing a business, I help clients understand their options and make confident financing decisions. Every client has a unique story, which is why I take the time to understand your priorities before recommending a solution. My approach is built on clear communication, thoughtful advice, and mortgage strategies tailored to your individual needs. As a Mortgage Broker in New Brunswick and Mortgage Agent Level 1 in Ontario, I work with a wide range of lenders to help clients find financing solutions that align with their goals—not just today, but for years to come. I particularly enjoy helping clients navigate construction financing, self-employed income, real estate investments, and more complex borrowing situations where strategy can make all the difference. My commitment is simple: provide honest advice, simplify the process, and help you move forward with confidence. Because at the end of the day, it's not just about getting a mortgage. It's about building the right strategy.

My Team

Joining us in 2025, Rebecca Kaplan brings a strong administrative background and holds a Level 1 Mortgage License in Ontario. With a keen eye for detail and a passion for exceptional service, she delivers the highest standard of client support at every stage of the mortgage process. Her dedication, professionalism, and client-first approach make her an incredible asset to our team—and to every client she assists!



 


  • Strategic Advice
    The right mortgage is about more than a rate. Every recommendation is built around your goals, timeline, and long-term plans to help you make confident financial decisions.
  • Tailored Solutions
    No two clients are the same. Whether you're buying, building, refinancing, investing, or growing a business, your financing strategy should reflect your unique situation.
  • Access to Options
    As an independent mortgage professional, I work with a wide range of lenders and products, giving you access to solutions that may not be available through a single financial institution.
Lets talk Strategy.
Whether you're buying your first home, building a custom home, refinancing, investing in real estate, or growing a business, I'm here to help you make confident financing decisions
 

Ready to take the next step?

Let's start with a conversation about your goals, explore the options available to you, and build a strategy that fits your life.

No pressure. No obligation. Just thoughtful advice and personalized solutions designed to help you move forward with confidence.


Solutions for Where you Are and Where You're Going.
Home Purchase
Whether you're buying your first home, moving up, or purchasing a vacation property, we'll help you find a financing strategy that fits your goals and budget.
Renewal Strategy
Renewal is the perfect time to review your options. We'll help you evaluate your current mortgage, compare alternatives, and ensure your financing still aligns with your goals.
Refinancing
Whether you're consolidating debt, funding renovations, accessing equity, or improving cash flow, refinancing can create new opportunities when approached strategically.
Let's Talk Strategy.
Complete your application and we'll review your situation, explore your options, and build a mortgage strategy designed around your goals—not just your mortgage.
The Right Mortgage Starts With the Right Strategy

A fixed-rate mortgage provides the security of knowing your interest rate and payment amount will remain the same throughout your term. This option is often chosen by borrowers who value stability and predictable budgeting.

A variable-rate mortgage is tied to a lender's prime rate and may fluctuate over time. Variable mortgages can offer flexibility and potential savings, but they may not be the right fit for everyone. Understanding your comfort with risk is an important part of the decision.

An open mortgage offers the flexibility to pay off your mortgage at any time without prepayment penalties. While interest rates are typically higher, this option may be beneficial for borrowers who anticipate selling their property or making significant lump-sum payments in the near future.

A secured mortgage is backed by real estate as collateral and is the most common type of mortgage in Canada. Secured financing can provide access to competitive rates and flexible borrowing options depending on your financial goals and property type.

Rates Are Important. Strategy Matters More.
Mortgage rates are only one part of the decision. The right mortgage should align with your goals, timeline, and financial situation. Explore current rate options below, and contact me to discuss which solution may be the best fit for your needs.
The rates displayed are for informational purposes only and are subject to change without notice. Mortgage rates and product availability may vary based on your individual circumstances and lender requirements. The lowest rate is not always the best mortgage solution. Contact me to discuss the options available and determine the strategy that best fits your goals.
Mortgage Planning Starts Here
Use the calculator below to explore different scenarios, estimate payments, and better understand your financing options.
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Contact me! Let's get started today!

Get Started Today

Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.