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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.


What Our Happy Clients Say


5-Year Fixed


5-Year Variable



10-Year Fixed


7-Year Fixed


4-Year Fixed


3-Year Fixed


2-Year Fixed


1-Year Fixed


Best Draw Mortgage Rate


Take Advantage of These Rates.


Products & Services


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


We offer refinances at preferred rates up to 80% of your properties value on your residential, second homes or rentals. Use the funds for home renovation, debt consolidation, investment use or a fun new purchase! 


Flexible financing with interest only repayment! No penalties, revolving credit and the perfect option for investors. Unlock the equity in your property up to 65% of your properties value as a first or second mortgage.


Possession dates don’t match up?

No problem, we have a solution for you with flexible bridge loan options. Multiple lending options, no payments required until your property sale, minimal set up fees and easy qualification.


First time buyer? We can help with a minimum of 5% down payment from savings, borrowed funds, gift from family or RRSPS. We are here to answer all your questions and provide as much information as possible on all of the mortgage intricacies and options. It’s not just about rate! It’s about the flexibility each mortgage can offer.

The Government Incentive Program effective Fall 2019 is also available as a first time home buyer. We have added some helpful links and calculators below to assist in your research.

  • An Eligibility Calculator to test and evaluate different financial scenarios and view their impact on mortgage payments.

  • A Product Highlight Sheet (PDF) including a summary of key program details in a format that is easy to download, print and share.

  • A Journey Map breaking down the application process step by step.

  • An Application Process diagram (PDF) showing the interactions between all of the parties involved. (Available on desktop only).


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


MMG has some of the most creative options for self employed individuals looking for maximum financing. Most self-employed applicants, claim little income on their personal income tax returns. This can mean that your maximum mortgage qualification is reduced. MMG has numerous options available for STATED INCOME qualifying. We can use your combined personal and business income for qualification, you can self declare your own income, OR, show us 6-12 months of bank statements and we will use your total deposits and call it your income!


If your financing doesn’t fit into standard financing options, we have the vast knowledge of the private lending and ‘B Lending’ sector. This includes mortgages for investors looking to flip homes, Builder mortgages, sub division and development mortgages, challenged credit and second mortgages to pay off CCRA or outstanding debts. Call us today for your “out of the box” lending solutions.


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.


The common challenge with commercial financing is finding a brokerage who understands this niche area of lending.

From construction, condo or land development, restaurants, boutique and specialty stores, our team finances it all. We have dozens of lenders with multiple options for your new investment. Commercial financing is entirely different from your residential mortgage and typically requires longer lead times and vast knowledge of the products offered by the various banks. We can help provide direction, options and creative solutions!


No income? No Problem! Great financing solutions for Seniors or any borrower over the age of 55 with competitive rates, tax free cash and no monthly payments. Use your home equity without having the burden to repay the mortgage on a monthly basis or selling your home. Contact us today to inquire on the amount of equity you can access under the Home Equity Reverse Mortgage Plan.


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.



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!