TMG The Mortgage Group Blog

Home sales slump to start 2026 as correction deepens

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Rates on hold as the Bank of Canada waits for clearer economic signals

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Canada closes 2025 with balanced market conditions as December sales soften

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Image of Kara Kazmiruk

Kara Kazmiruk

Mortgage Associate

Saskatoon

Doing Business As:

TMG Mint Mortgage

License Number:

511289

Phone:

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada's major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of John-David Croth

John-David Croth

Mortgage Agent, L2

Kitchener

License Number:

M12000475

Phone:

Fax:

2263180939

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada’s major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Michelle Watson

Michelle Watson

Mortgage Agent, L2

Newmarket, GTA

License Number:

M08002942

Phone:

Toll Free Fax:

18885195997

If there's one thing that makes Michelle Watson different is her ability to make her clients feel at ease, help them understand their financing options and her ability to get the deal done. She is personable, compassionate and hardworking individual. She's focused on delivering long-term financial solutions that are practical, easy and can yield maximum results. She has earned a reputation for helping her clients find financial freedom and choice by helping them do more with the money they already have – whether its to own real estate, start a business, have more money to invest or pay down debt. She is a trained and federally licensed insolvency & financial counselor and an Ontario registered Accredited Mortgage Professional. She is a member in good standing with Canadian Accredited Mortgage Professional (CAAMP). She was nominated by her clients for the 2007 York Region Character Business Award and has been sought after by various media sources to provide timely mortgage news and opinions. Most notably, she served as a consultant for the publication, “Home Girl: the Single Woman's Guide to Buying Real Estate in Canada” and was a former volunteer editorial member for the mortgage industry's leading publication, CMP. She enjoys home improvement projects, running and volunteering.

Image of Todd Henderson

Todd Henderson

Mortgage Agent, L1

Strathroy, London, Komoka

License Number:

M08002431

Phone:

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada's major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Christa Mitchell

Christa Mitchell

Senior VP, Strategic Initiatives, Mortgage Agent, L1

Toronto, Millbrook

License Number:

M25001313

Phone:

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada’s major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Nicki Laberge

Nicki Laberge

Mortgage Associate

Calgary, Edmonton, Innisfail, Lacombe, Olds, Red Deer, Sylvan Lake, Airdrie

License Number:

MW-0710929

Phone:

Fax:

8666341405

I have lived in Red Deer since 1996, moving here to attend Red Deer College and to complete my Bachelors of Arts Degree majoring in Psychology. I often get asked how I went from majoring in Psychology to the world of mortgages. It’s actually quite simple! While completing my degree I worked part time at RBC as a teller and then moved on to ATB Financial in a full time supervisory role once completing my studies. It was during my years with ATB and the various positions I held there that I found my passion – Mortgages. I gained invaluable experience while working at both RBC and ATB; basic banking, fraud detection, investments, lending, and of course mortgages. I believe this experience provides a greater understanding of the world of banking and mortgages that I can pass on to you. I have used this experience to propel my career as a Mortgage Broker in Red Deer with TMG The Mortgage where I have been recognized in the top 20% of the nationwide company numerous times. I am involved in different charities in various degrees, including fostering dogs through a local animal rescue. When I am not helping my clients with their mortgages, I am spending time with my daughter, our rescue dog Roger, and our horse Wyn.

Image of Farideh Asgari

Farideh Asgari

Mortgage Associate

Saskatoon, Regina, MooseJaw, Warman, Martensville

License Number:

514441

Phone:

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs. As your Mortgage Group Professional, I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility. By presenting your requirements to a variety of Canada’s major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Tim Yuen

Tim Yuen

Mortgage Professional

Winnipeg

Phone:

Fax:

2044741401

As a Castle Mortgage Group Specialist, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Castle Mortgage Group Specialist I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada's major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Tammy Poirier

Tammy Poirier

Associate Vice President, Broker Experience

Aldergrove, Delta, Langley, Lower Mainland, Surrey, White Rock, South Surrey, Cloverdale

License Number:

143863

Phone:

My passion is helping people with their mortgage needs. Whether you are a first-time home buyer wanting to get into the real estate market or are looking to refinance your existing mortgage, I’m here to help. I pride myself on giving my clients the knowledge they need to make an informed decision. As Manager, Broker Relations with TMG The Mortgage Group I am passionate about coaching agents and setting them up for success. I am excited about helping agents grow their business using TMG’s awesome proprietary tools that make the mortgage process easier for both agents and clients.

Image of Tim Syrianos

Tim Syrianos

Mortgage Broker

Toronto

License Number:

M08000592

Phone:

Fax:

4164665855

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada’s major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Yu Hang (Howard) Yung

Yu Hang (Howard) Yung

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada's major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Anne Walker

Anne Walker

Mortgage Professional

North Vancouver, West Vancouver, Vancouver, Whistler, Comox, Campbell River, Courtenay, Nanaimo

Doing Business As:

TMG – Anne Walker Mortgage

License Number:

138496

Phone:

Toll Free Phone:

Toll Free Fax:

18442019538

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs. As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility. By presenting your requirements to a variety of Canada’s major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac) I specialize in commercial and construction financing.

Image of Jan Carne

Jan Carne

Mortgage Agent, L2

Collingwood, Blue Mountain, Owen Sound, Stayner, Wasaga Beach, Creemore, Thornbury, Meaford

License Number:

M08000562

Phone:

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada’s major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Chantelle Vercammen

Chantelle Vercammen

Mortgage Agent, L2

Whitby, Toronto, Barrie, Newmarket, Vaughan, Markham, Ajax, Pickering

License Number:

M17002331

Phone:

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada’s major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

Image of Sandra Squires

Sandra Squires

Mortgage Agent, L2

Newcastle

License Number:

M13000256

Phone:

As a Mortgage Group Professional, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs.

As your Mortgage Group Professional I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada's major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac)

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