Our Awesome Brokerage

MMG Mortgages is a team of experienced and knowledgeable mortgage brokers.

With diverse financing and lending backgrounds, we have the ability to provide the most up to date advice and information regarding your financing needs.


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Products and Services


5% minimum down payment, lowest rates guaranteed, 120 day rate hold


80% LTV maximum for second mortgages, switches or transfers


Flexible financing! Unlock the equity in your property. 65% LTV as a first or second mortgage.


Possession dates don’t match up? No problem, we have a solution for you!


First time buyer? 5% minimum down payment and all of your questions answered! Details on using RRSPs towards a downpayment - http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/rrsp-reer/hbp-rap/


Finance the construction of your dream home! Specialty draw financing and competitive rates.


Self employed financing made easy! Stated income products make home ownership a reality!


If your financing doesn’t fit into standard financing options, we have the vast knowledge of the private lending and ‘B Lending’ sector.


The major lenders will only lend up to 50% of the land’s market value. Luckily we have a few smaller lenders that will consider 75% land market value and this is predominantly in the urban city center locations, or small acreages close to the city limits. Alternatively, the down payment and lending value depends on the maximum amount of acres and vicinity of the land but we can consider up to 160 acres pending the zoning is country residential, agricultural or residential.


Extensive New to Canada products available with as little as 5% down! We can finance both non-permanent residents pending you’re work or student visa has been in place less then 5 years, or new permanent residence’s with limited to no established Canadian credit.


From construction, development, restaurants, boutique and speciality stores, our teams finances it all.


No income? No Problem! Great financing solutions for Seniors or any borrower over the age of 55.


We have a select few Lenders on board who will allow extended amortizations on your financing. The maximum for conventional mortgages is typically 30 years. We have the ability to lend over 35 years to reduce your monthly payments and limit your exposure.


Bruised Credit from a poor mistake or rocky credit from another time in your life? Don’t be discouraged! Even with all of the changing policies, we still have lenders who finance your new property or refinance a current mortgage. The interest rates may be reflective of your credit or strength of the application, but we can still secure some of the best rates on the market for these files.


Purchase Plus Improvements is for consumers looking to purchase a home that has great potential but needs a little TLC. This program allows you to make improvements immediately after taking possession of your new home and have the costs rolled into one easy-to-manage mortgage.


There are only a few banks which still allow the Cash-Back mortgages. These funds can no longer be used towards the down payment of a new purchase like they used to be able prior to housing crisis But, moreso used to cover closing costs, payoff other obligations or liabilities, add a deck or fence to your new home, etc.. The cashback mortgage itself is typically not a true “incentive” as the lenders will charge you a slightly higher rate when opting for the cashback to recoup their costs.


If you are unable to prove income there is still an opportunity for you to own a home if you have either a large equity in your current home, a large net worth or investment portfolio, or a large down payment from conventional or non-conventional sources.


With lifestyle demands in a growing or busy family, a second home or vacation property for those weekend getaways can be very appealing and easy to approve. With as little as 5% down in some cases. This can not be confused with investment or income properties and these second homes if being purchased out of the city for a vacation property must have year round access.

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Do you have a new construction home that you are carrying at higher interest rates? Are your showhome or spec properties tying up your credit or monthly overhead? MMG Mortgages specializes in Take-Out financing for home builders inventory. This also includes financing for land acquisition and draw mortgages for your clients

A Draw Mortgage is essential to the financing and construction of your new home. MMG Mortgages has developed an exclusive four or five step Draw Mortgage Program which will provide the best financing required for your project!

With draw financing through MMG Mortgages your disbursement and inspection expenses are taken care of. As your build progresses draws will be advanced at each construction stage. Before these funds are released to your solicitor, an inspection will be performed. There are expenses each time an inspection is completed, but these are taken care of for you by MMG Mortgages. Each draw is then advanced from your bank to the solicitor, and the solicitor must then release the funds to your builder.

Lastly, your appraisal expenses are taken care of by MMG Mortgages. Prior to each draw, an inspector will visit the property to ensure the building is progressing to the banks satisfaction.

Property Inspection

Prior to each draw being advanced, an inspector will go to the property to ensure the builder is following the NHW (New Home Warranty) policies and to ensure each stage is completed with accuracy before releasing funds.

Draw Mortgage Holdbacks

The mortgage funds or draws that are advanced to the solicitor will have a 10% builder’s lien holdback. This protects you as it ensures no contractor liens are placed on your property during the construction phase.

Upgrades for Your New Home

At your initial meetings with your builder, you will likely be choosing plans for your new home and arranging a basic price point. In the months following this, you may decide to upgrade certain specifications in the home that are not part of your package price. In most cases, MMG Mortgages will have already completed your mortgage approval and you will have signed these documents with the solicitor.

This means you are not able to change your approved mortgage amount to accommodate any upgrades or changes made to the home. Therefore, we recommend you add an upgrade allowance to the base price of the home as a contingency to cover any shortfalls. Your builder will talk to you about this.

Land Financing

If you have not yet found your ideal location to build your dream home, we can help you finance that perfect lot or small acreage parcel. MMG can provide raw land financing with as little as a 25% down payment, including acreages up to 160 acres.  Completing a new build also?  We can incorporate your land purchase into your construction or draw mortgage.  Ask us for details!