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TMG The Mortgage Group Canada Inc.
INTEGRITY. SIMPLICITY.
Mortgages don’t need to be complicated.
With 27 years of lending experience, I help you understand your options, make confident decisions & choose a mortgage that fits more than just today. Whether you’re buying, renewing, refinancing or simply trying to figure out your next move, I’ll help you look at the whole picture, not just the rate.

Katy was incredibly helpful walking us through an intimidating process as first time buyers. She answered all of our questions in a timely manner and kept us updated throughout the process. Would happily work with her again and highly recommend.
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Katy Mackenzie provided us with an excellent experience throughout our tricky new home purchase in 2023. She was patient, available on short notice, an excellent communicator, knowledge about the past and current mortgage market. She walked us through, probably more than once ;), all the different options and possibilities of our complex situation. We highly recommend her for any type of mortgage needs.
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We truly enjoyed worked with Katy on a mortgage for our new home. She brought an expert-level of expertise and helped us handle a couple of twists along the way with confidence and outstanding communication. Katy took the time to fully understand our requirements and what was important to us. She reviewed a multitude of options from lenders and found us the best possible one that fit our needs. Her dedication to her clients is second to none. We would not hesitate to recommend Katy to anyone looking to purchase a home or refinance a mortgage. She's the best.
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  • Experience matters
    27 years in lending means I’ve seen a lot of different markets, situations & mortgage products. That experience helps me spot things others may miss.
  • More than just a rate
    The lowest rate isn’t always the best mortgage. I look at penalties, flexibility, prepayment privileges, future plans & the overall cost of borrowing.
  • Advice that starts with you
    I have access to multiple lenders & mortgage solutions, which allows me to look at your situation objectively and recommend options that fit your needs.
What are you looking to do?
Purchase
Buying your first home, your next home, an investment property or vacation property? I’ll help you understand what you can comfortably afford, compare lender options and build the right mortgage strategy before you make the move.
Renew
Your lender’s renewal offer is just one option. Before you sign it, let’s review your rate, mortgage features and future plans to see whether staying, switching or restructuring makes the most sense.
Refinance
Your mortgage can be a powerful financial tool. Whether you’re consolidating debt, renovating, accessing equity, restructuring after a life change or considering a reverse mortgage, we’ll look at the numbers & determine whether refinancing makes sense.
YOUR NEXT STEP STARTS HERE.
Complete your mortgage application & I’ll review everything with you personally.
Mortgage Rates
— Latest Posts
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...
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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...
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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...
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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...
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