FSRA 10315

Get a Better Mortgage

It takes more than great rates to be financially intelligent.

Let us show you a better way to borrow and achieve financial success with an individualized mortgage plan taking your lifestyle, needs and goals in mind

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Mortgage Solutions

We offer a variety of range of mortgage products and services

Purchase Financing

Whether you are purchasing your first home or seeking to upgrade to a larger one, get pre-approved and know exactly how much you can afford.  We will recommend different options to save you interest on your total cost of borrowing

Investment Property Financing

Take advantage of what 90% of the world’s millionaires already know. Build your wealth and financial security using real estate.  With customized investment plans and acquisition strategies we can help you acquire your first, second or fourth rental property and show you how to manage them stress-free

Self-Employed Options

You went into business for yourself for the love of what you do and the tax advantages it offers. So why is getting a mortgage sometimes difficult? Let us help you obtain flexible, common-sense financing from lenders who understand business owners, because we are small business owners too


Your home has value.  Unlock up to 80% of your equity and make your mortgage work for you. Take advantage of better rates, create more cash flow, optimize your loan to achieve mortgage freedom faster or borrower funds for other important needs cheaply, quickly and easily.

Debt Consolidation

Making the minimum payments on your non-mortgage debt only benefits your creditor, not your wallet.  Streamline your finances, improve your cash flow and pay less interest by consolidating your higher interest debt into your mortgage at a low rate, quickly and easily

Home Renovation Financing

Not entirely happy with the look or function of your home? Imagine the possibilities and increase your home’s overall value by financing necessary improvements or additions.  We can provide a range of financing options to match your needs. Sometimes improving your home is cheaper than finding a new one

Mortgage Makeover ®

Home and fashion trends constantly evolve and so should your mortgage. Alot can happen from year-to-year…your goals, needs and life events change. That’s why it’s important to ensure you are achieving the most optimal financial savings and financial outlook with our complementary Mortgage Makeover

Build your Credit IQ ®

Unfortunate life events such as a martial separation, serious illness, business failure or job loss can happen. If your credit has suffered, it is important to know that you can still get a mortgage and achieve your financial desires, all while you build your CreditIQ. Let us show you how

Why work with Us

We make the mortgage process easy

About Us

There’s Power in Partnership

Clarity. Prepared. Persistent. Trusted Advice. These are just a few characteristics that distinguishes the Smart Money Moves Mortgage Team of TMG as mortgage agents of choice with their loyal clients and referral sources since 2006.

The team comprises of life and business partners, Michelle and David Watson. Entrepreneurial in spirit with interests in real estate investing and renovating have afforded them opportunities to own and manage long-term and vacation rental units locally and overseas. In turn, these opportunities provided them greater freedom to live life on their terms. It’s this freedom and financial security that drive their desire show average homeowners how to change their financial future with the purchase of just one investment property.

“Education and advocacy are at the core of what we do well. Our brand promise is to educate, not sell. “It starts by being great financial story tellers for our clients, because every situation and solution tells a story of where our clients are today and where they want to be tomorrow. We do this by spending time with every customer to simplify the financial jargon, clarify their borrowing needs beyond getting a great rate, and by properly matching them with institutions and products that will ultimately fund their dreams” says team lead and mortgage planner, Michelle.

Through their partnership with TMG The Mortgage Group, the Smart Money Moves Mortgage Team can access and cultivate diverse lending solutions from over 30 financial institutions, banks, credit unions and trust companies across Canada. They primarily service clients in Ontario.

“Whether you are looking to buy your first home, scale your real estate investments or just need to improve your cash flow with a debt consolidation solution, we’re here to help. Mortgages can be confusing. Let us sweat the small stuff, so you don’t have to!”

Client Testimonials

What’s it like to work with us?  Our past clients say it the best…

Scott BandyScott Bandy
21:37 18 Jan 23
I was referred to TMG, Smart Money Moves Team by my insurance agent. I am extremely grateful for the introduction. It was not just a pleasure communicating with Michelle, the time was informative and educational.
Lorie BrodieLorie Brodie
13:57 11 Jul 22
My husband and I, on behalf of our family, want to thank Michelle Watson of The Mortgage Group (TMG) for helping us successfully purchase a new home. When the real estate market took a sharp turn in May, we knew our purchase was in jeopardy of not... closing if we didn't find the right support. From our very first phone call, we knew we were in great hands. From day 1, Michelle was calm, poised, supportive, diligent, informative and thorough. We always knew what we had to do and when we had to do it by. And when we doubted success, we were always encouraged by Michelle's confidence and good humour. Michelle has freakish knowledge of the mortgage industry and it's available products and she expertly presented us with the best options for our ever-changing situation. We’re so glad we chose Michelle as our mortgage broker. Our gratitude extends beyond words. Lorie and Dwayneread more
Winsome GayleWinsome Gayle
22:34 30 May 22
My Daughter was referred to Michelle by one of her regular client. She works tirelessly for us and gave us 100% of her time. Our challenges was huge, yet she did not give up, her inspiring dedication gave us the confidence to go on. Michelle... further work with us for our renewal and got a bigger savings than we got last year. My Family and I is very fortunate to be her client. Thank you Michelle its a privilege to meet someone with so much integrity. Everyone should meet someone like you at least once in our lifetime. God Bless You Alwaysread more
Susan CadoretteSusan Cadorette
20:31 26 Apr 22
Michelle was fantastic to work with! She walked me through the process step by step and pushed for me to get the financing I needed and quickly! Nothing like a 6 week close to keep life exciting. I highly recommend working with Michelle. She... always thinks about her client's best interests more
Matt WilliamsMatt Williams
18:01 31 Aug 21
My real estate agent referred to me to Michelle over at TMG for my first home mortgage. Since this stuff was all new to me, it was a bit nerve racking. I needed someone to walk me thru the process and Michelle definitely did that. TMG helped me... get me into my first home just north of the city (with an awesome % rate) and even made renewing dang easy too.Honestly, I couldn't really imagine the process being any easier more