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TMG The Mortgage Group Atlantic Inc.
Let me help you finance your home!
I'll sweat the details so you don't have to.
Are you thinking about becoming a homeowner? Time to refinance? Don't know where to start or what the process looks like? It's your lucky day, I have the information you need to help with all your mortgage questions. I'd love to help you through the process or answer your questions! Call or Email today
  • Expertise
    I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs. Questions? Contact me Neil Keeping Associate Mortgage Broker
  • 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 will help you achieve your financial goals. I will make your comparison-shopping fast, easy, and convenient. Questions? Contact me Neil Keeping Associate Mortgage Broker
  • No charge to you
    There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are paid a finder's fee when we introduce dependable clients to a financial institution. Questions? Contact me Neil Keeping Associate Mortgage Broker
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. Questions? Contact me Neil Keeping Associate Mortgage Broker
 
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. Questions? Contact me Neil Keeping Associate Mortgage Broker
 
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. Questions? Contact me Neil Keeping Associate Mortgage Broker
Think Outside the Branch for Your Mortgage
New Mortgage
When looking for a new home, you should always get pre-approved by a lender first. We can help you find out how much you can afford in a matter of minutes! Before buying a home, you should always obtain a mortgage Pre-Approval, and here is why it’s important that you pre-qualify for a mortgage first: Getting a pre-approval will help you understand what kind of home you can afford to buy, and how much of a mortgage you will be approved for and can afford. We can hold your pre-approval interest rate for up to 4 months (120 days), which will protect you from potential unexpected rate increases for that time period As soon as you get pre-approved, you can then proceed to make an offer on a home without worrying about whether or not you can get the mortgage that you will need, provided that your financial position stays stable until the closing date. With today’s strict mortgage rules, if you don’t get pre-approved it’s very possible that you will not be approved for a mortgage large enough to be able to actually complete the purchase of your home. A Pre-Approval From Neil Keeping Mortgages: FREE with No Obligation Locked In and Guaranteed to be the Lowest Interest Rate for 4 Months (120 Days) through specific lenders Quick and Easy and Only Takes A short time to Receive Your Full Pre-Approval Stored safely on our secure servers to ensure your privacy. Neil Keeping Halifax Dartmouth Mortgage Broker
HELOC - Home Equity Loan
A home equity loan is a loan that is secured by the available unencumbered equity in a borrower’s primary home, second home, vacation home, or any residential property that they own. Home equity loans come in different forms or borrowing products. These types of loans are available in the form of a first mortgages, second mortgage, third mortgage, or a HELOC (home equity line of credit), or a refinance on a property that is mortgage-free. When applying for a home equity loan, you can apply with major banks, monoline mortgage lenders, credit unions, trust companies, private mortgage lenders, and any lender that would typically offer mortgage products and services. For the most part though, when someone says that they are looking for a home equity loan, they are usually referring to secondary or tertiary funding that is in addition to their existing first mortgage or second mortgage. Most commonly, someone looking for a home equity loan is usually looking to take out cash money from the equity they have available in their home, rental property, cottage, etc. It’s common for a borrower who is looking for a home equity loan option to use these funds for reasons such as consolidating credit card and other debts, investing in another property, paying tax arrears of judgements, alleviating cashflow challenges, paying for tuition, paying for education loans, financing your travel plans, and more. Neil Keeping Halifax Dartmouth Mortgage Broker
Refinancing
A mortgage refinance is a new mortgage that is taken out either to replace a current mortgage. It is a term loan that a homeowner can apply for in the same amount as an existing mortgage or a greater amount. A homeowner may also apply to combine a first and second mortgage into a single first mortgage at a lower overall interest rate, or as a second mortgage that is in addition to a current first mortgage. As with a new purchase mortgage, a home refinance is secured against your home. A qualified mortgage broker can help increase your chances of getting your mortgage refinance application approved at the lowest rate available to you. When refinancing your mortgage, you may be able to get a lower interest rate, better terms, longer amortization, or use the extra cash for a number of different reasons. Through refinancing your mortgage, you can gain access to much needed cash for many different purposes. Since that cash can go directly into your savings accounts or chequing accounts, you can use it for whatever needs you may have. Mortgage brokers have access to a wide variety of lenders, and can help you get great refinancing rates at a bank, or through alternative lenders in the event that your credit is bad or less than ideal, you have too many revolving debt on cards, your income is low, or you are self-employed and have a non-traditional was of reporting your income. Whether you are looking to refinance your current mortgage to take out extra money from the equity you have in your home for personal use, to consolidate debts or pay off higher interest debts, to renovate your home, to finance a car, or for any other reason, I can help you get the best deal that’s right for you. Neil Keeping Halifax Dartmouth Mortgage Broker
Get started with your application now!
I'm here to help with your mortgage needs, refinancing, new home purchases or mortgage renewals.
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.

 Questions? Contact me Neil Keeping Associate Mortgage Broker

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.

 Questions? Contact me Neil Keeping Associate Mortgage Broker

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.

Questions? Contact me Neil Keeping Associate Mortgage Broker

 


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.

Questions? Contact me Neil Keeping Associate Mortgage Broker

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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Contact me! Let's get started today! Contact me Neil Keeping Associate Mortgage Broker

Get in touch with me today for your free consultation!

Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help. Questions? Contact me Neil Keeping Associate Mortgage Broker