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TMG The Mortgage Group Canada Inc.
Licensed Mortgage Broker | Specialize in First Time Home Buyer, Second Mortgages, Refinance/Heloc, Reverse Mortgages & Home Renovation Loans
I'll sweat the details so you don't have to!
Hi, I am Mabel. I am originally from Hong Kong and I am a single mom of two boys — so trust me, I understand what it means to juggle priorities and make every dollar count. I changed career because I wanted to help people make confident, informed decisions about one of the biggest investments in life — their home. Whether you’re buying your first place, looking for better options at renewal, or wanting to take equity out of your home at retirement, I am here to help you understand your options and find a mortgage solution that truly fits your need. I can advocate for you because I don't just work for one bank — I work with a full range of mortgage funding companies and lenders, so all my clients get real choice, better rates, and flexible solutions. I share simple, practical insights about mortgages, credit, and homeownership — because I believe financial confidence shouldn’t feel complicated. Let’s connect! First-time buyer | New Medical Grads/Residences | Front Line Workers | Retirees | Be smarter with your money and your contract — I’m here to help. Follow me: IG @Mabelle_boymama | Linked In @MabelChanpong
  • Hi, I am Mabel!
    I help established professionals and families use mortgage strategy to improve cash flow, reduce debt faster, and stay flexible through life changes. My goal is to help my client lower overall cost of borrowing at every and different stage in life. Life throws unexpected curveballs so I want to be my client's trusted go-to agent at every stage of their life.
  • 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 understand your portfolio and that will help you achieve your financial goals. I will make your comparison-shopping fast, easy, and convenient.
  • No cost to you.
    For most residential mortgage transactions, there’s no direct fee charged to you. Like other professionals (e.g., insurance advisors), mortgage brokers are typically paid a finder’s fee by the lender for bringing qualified clients.
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.
Think Outside the Branch for Your Mortgage
Reverse Mortgage
One advantage that many retired Canadians possess is home ownership. Tapping into some of the equity you have built in your home can help you obtain the additional funds you require, Tax Free + No Monthly Payment.
Renewal is Your Time to Negotiate
Let's make sure you have interest savings over time and lower overall cost of borrowing, not just a lowest renewal rate. Life has unexpected changes specially for growing family, school aged kids and aging parents.
Refinancing + Restructuring
Sometimes, refinancing is your best option to increase savings and lessen debts. 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 from pre-approval, refinancing, purchases, plus renov, rental property, retirement planning, mortgage renewals, etc.
Types of Mortgages

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.

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.

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.

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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Be proactive, be one step ahead, know what perks are available to you for your next home ownership.
My Mortgage Blog — Latest Posts
Home sales slump to start 2026 as correction deepens
Canada's housing market began the year on a soft note, with home sales falling 5.8% from December, according to the Canadian Real Estate Association (CREA). Compared to January 2025, sales were down...
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Rates on hold as the Bank of Canada waits for clearer economic signals
The Bank of Canada held its key policy rate at 2.25% today, a decision that came as no surprise to markets and economists. More importantly, the Bank signalled that it isn’t in a rush to move...
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Canada closes 2025 with balanced market conditions as December sales soften
Canada’s housing market lost some steam in December, closing out 2025 on a quieter note. Home sales fell 2.7% from November, according to the Canadian Real Estate Association (CREA). Compared to...
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The Bank of Canada hit pause. Is this as low as rates will go?
The Bank of Canada held its policy rate at 2.25% this week, a decision most had already been expecting. After four cuts over the past year, the question now isn’t what just happened, but what comes...
Read More
View More
Let's get started here.

Get in touch with me so I can source a mortgage plan that works best for you. I know which banks + lenders most fit your situation.

Whether you're looking for a first mortgage, second mortgage, refinancing your current home for reno, or starting a new chapter in life, I am here to help you navigate this exciting journey. I want you to focus on your house hunting so let me do the sourcing for a mortgage plan that fits your lifestyle.