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TMG The Mortgage Group Atlantic Inc.

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HALIFAX MORTGAGE BROKER

LET ME HELP YOU FINANCE YOUR DREAMS!

Whether you are purchasing a home, investment property, or commercial property, it is an important decision and you should be confident about your investment. I will work with you personally to offer you valuable insight throughout the process, save you time and find the mortgage that best suits your situation. We will work together to find a fit for your short and long-term strategies. I work with a number of different lenders and will do everything possible to find the right solution for you to be successful in your next Mortgage transaction, and every future Mortgage to follow for you to reach your Real Estate and Financial goals! Nate Philippe Associate Mortgage Broker License #2022-3000577 TMG The Mortgage Group (Atlantic) Inc. Brokerage License #2022-3000031

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.
More Options!

I have access to over 30 different lenders including Banks, Monoline lenders, B-lenders, and Private Financing. Whatever the best solution is for your individual situation, I'm happy to discuss and help you find the best fit for your goals.

Why Should You Use My Services?

I will negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. And even if you have an existing relationship with your branch, TMG does millions of dollars of transactions yearly with a wide variety of lending institutions so we have strong lender relationships. I can use that relationship to your advantage to negotiate your mortgage to ensure you secure competitive rates and terms that benefit you.

I will also ensure that you're getting the best rates and terms. Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! I can investigate on your behalf to see if there is an alternative to better suit your needs.

Do you know about mortgage customization? All mortgages are not created equally, and depending on your financial goals, I will ensure the mortgage you receive helps you with those goals. Whether borrowing to purchase, renovate, or make your mortgage interest tax deductible, I can ensure that the mortgage you have helps achieve these financial goals.

Professional Background:

Over 8 years of experience in the Mortgage and Finance Industry as an Associate Mortgage Broker, Assistant Branch Manager, and Mortgage Underwriter with companies such as Scotiabank, CIBC, HSBC Finance, and Equitable Bank

Previously a licensed Realtor for 5 years, so I have hands-on experience with every aspect of the Real Estate and Mortgage Financing process from the inside. Gives me a unique experience base to put into action for my clients

Have bought and sold 5 properties myself, and bought my first property at 21 years old

Former Varsity Athlete (Men's Basketball) at UPEI and St. Mary's, and coached Men's Basketball at the University level in both Canada and the U.S.A.

Father to two wonderful children, and married over 13 years. Always family first!

Educational Background:

B.A. - Economics & Business Studies, St. Mary's University

Licensed Associate Mortgage Broker, Mortgage Professionals Canada

Fully Bilingual, English and French (written and spoken)

Think Outside the Branch for Your Mortgage

New Mortgage

Need a new mortgage? I'll help you pick the right fit for you and your budget.

Renewal

When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.

Refinancing

Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you!

Get started with your application now!

I'm here to help with your mortgage needs, refinancing, new home purchases or mortgage renewals.

Apply Online Here!

Types of Mortgages

Fixed

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.

Variable

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.

Open

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.

Secured

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.

How Much Can You Afford?

Use this mortgage calculator to help you figure things out

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FIVE STAR REVIEWS!!

My Mortgage Blog — Latest Posts

Nate Philippe || December 01, 2023

Canada’s labour market posts big gain in November

The country’s labour market held up better than expected in November, with nearly 25,000 net new jobs created. The employment gains consisted of an increase of 59.6k full-time positions and a...

Nate Philippe || November 30, 2023

Canadian economy flirts with recession as GDP fell in Q3

The Canadian economy saw negative growth in the third quarter, according to data released by Statistics Canada this morning. This would have been the second straight quarter of negative quarterly...

Nate Philippe || November 21, 2023

Easing inflation has likely “closed the door” to further rate hikes

Canada’s headline inflation rate eased more than expected in October, likely shutting the door to any further immediate rate hikes, economists say. Statistics Canada reported Tuesday that...

Nate Philippe || November 16, 2023

Existing homes sales fell in October

Sales of existing homes continued to fall in October while prices remained flat, the Canadian Real Estate Association (CREA) reported today. Sales fell 5.6% from September but remain 0.9% above...

Contact me! Let's get started today!

Get in touch with me today for your free consultation!

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