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TMG The Mortgage Group Atlantic Inc.
A Mortgage Team with over 40 years experience!
Halifax, Bedford & Dartmouth Mortgage Broker
At Kip Walker Mortgages, our guiding principle is "We never close." We take immense pride in delivering exceptional round-the-clock service to all our valued clients, whether they are first-time homebuyers, seasoned homeowners, or anywhere in between. Our 40+ years of collective expertise as mortgage brokers is a testament to our unwavering commitment to client satisfaction, which remains steadfast from the initial consultation through the transaction process and well beyond. Our extensive base of returning clients underscores our dedication to superior customer service throughout every transaction. We proudly serve Halifax, Dartmouth, Bedford, Lawrencetown, Chezzetcook, Mineville, Musquodoboit Harbour, Lake Echo, Porters Lake, and the Eastern Shore.
  • Mortgage Expertise with over 40 Years of Experience
    I am dedicated to delivering impartial and expert guidance regarding your financial mortgage choices. My services are not bound to any particular lender or product, allowing me to present a variety of mortgage solutions tailored precisely to your unique requirements.
  • Mortgage Shopping Made Quick and Simple
    Why waste your valuable time meeting with multiple mortgage lenders? Let me streamline the process for you by identifying the lenders that best align with your financial objectives. I'll make comparison mortgage shopping a breeze, ensuring it's fast, simple, and convenient for you.
  • No charge to you
    You can take advantage of my services for typical residential mortgage transactions without any charge. Similar to various other professional services like insurance, as a mortgage broker, I receive a finder's fee from financial institutions when I introduce reliable clients to them. Rest assured, my focus is solely on assisting you in finding the best mortgage solution that suits your needs, without any additional cost to you.
What Are the Advantages of Using a TMG Mortgage Broker?
Negotiating On Your Behalf. Allow me to act as your negotiator, representing your interests when it comes to mortgages in the Halifax and surrounding region. Many individuals find negotiating with their banks uncomfortable or uncertain, but with my expertise, you can avoid that hassle. At TMG, we conduct millions of dollars of transactions annually with a wide range of lending institutions, granting us strong and valuable lender relationships. This leverage allows me to negotiate on your behalf, securing competitive rates and favorable terms that will benefit you.
 
My commitment to ensuring you receive the best rates and terms doesn't end if you already have a pre-approval from your bank or another financial institution. I will go the extra mile by exploring alternatives that may better suit your specific needs and financial objectives.
 
Custom Mortgage Solutions. Every mortgage is unique, and it's crucial to tailor it to align with your financial goals. Whether your intention is to purchase a property, renovate, or make your mortgage interest tax-deductible, I will work diligently to ensure that the mortgage you obtain serves as a valuable tool in achieving these objectives. You can count on me to guide you towards a mortgage that perfectly complements your financial aspirations.
 
As your dedicated mortgage broker, I will leverage my expertise and industry connections to diligently compare and analyze various lending options on your behalf. My goal is to ensure that you make well-informed decisions and obtain a mortgage that aligns perfectly with your financial goals and capabilities. Throughout the process, I will provide transparent and reliable advice, guiding you towards the most advantageous mortgage solution that saves you money and contributes to your long-term financial success.
Think Outside the Branch for Your Mortgage
New Mortgage
Looking for a new mortgage for your home in Nova Scotia? Allow me to assist you in selecting the perfect fit for both your needs and budget.
Mortgage Renewals in Nova Scotia
When the time comes to renew your mortgage, I'll work with you to review all your options, ensuring you get the best possible renewal terms that align perfectly with your financial goals.
Mortgage Refinancing
Discover the potential benefits of refinancing your Mortgage. Allow me to take on the task of reviewing your options and handling all the complexities on your behalf.
Get started with your mortgage application form now!
Serving Halifax, Dartmouth, Bedford and surrounding areas, I'm here to help with your mortgage needs, refinancing, new home purchases or your mortgage renewals.
Types of Mortgages

A fixed mortgage provides you with the peace of mind of having a locked-in interest rate for the entire duration of your mortgage term, ensuring predictability in your principal and interest payments. Terms for fixed-rate mortgages typically range from 6 months to 10 years, offering you flexibility in choosing the term that best suits your needs. Moreover, fixed-rate mortgages usually come with pre-payment options, allowing you to make extra payments each year, ranging from 10% to 25% of the original mortgage balance, depending on the lender.


In the event you wish to pay off your mortgage entirely before the term ends, it's essential to be aware of potential penalties. These penalties may consist of either 3 months of simple interest or an Interest Rate Differential (IRD). Despite this, fixed-rate mortgages are favored by many due to their lower interest rates compared to open mortgages. If you don't anticipate pre-paying the mortgage in full during the chosen term, a fixed mortgage can be an excellent and popular choice for ensuring stability and affordability.

Opting for a variable-rate mortgage enables you to use the current Prime Rate with your mortgage. With most variable rate products set below the prime rate, you have the flexibility to select terms ranging from 1 to 5 years. Depending on the product or lender you choose, your payment structure may differ.

In certain cases, you can lock in your payments for a period of up to 5 years. However, during this time, the interest rate will fluctuate in response to changes in the Bank Prime Rate. On the other hand, in some instances, your monthly payments will vary based on how many times the Prime Rate changes throughout your mortgage term.

With an open mortgage, you gain valuable flexibility to make additional payments or even pay off the entire mortgage at your convenience, without incurring any penalties. However, it's essential to note that open mortgages typically come with higher interest rates, which are linked to the Bank's Prime Rate. This option is ideal for those seeking the freedom to manage their mortgage more actively and take advantage of the possibility of early repayment without any restrictions.

A secured line-of-credit provides you with the flexibility to tap into the equity of your home whenever the need arises. Interest rates for this type of credit are typically tied to the prime rate, typically slightly above prime. The required payments on the outstanding balance are interest-only, making it an excellent option for situations where managing cash flow is crucial.

 

Today's Current Fixed & Variable Mortgage Rates in Halifax, Bedford & Dartmouth, Nova Scotia
My extensive network of diverse lenders allows me to access competitive and lower-than-advertised interest rates for you. Check back regularly to see how our rates compare favorably to the average bank rates.
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Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.