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TMG The Mortgage Group Canada Inc.
Mortgage Specialist committed to work for your best interest!
AMP Mortgage Specialist Vancouver, B.C.
After building a career in sales and marketing at an international manufacturing firm, I decided to put myself through the challenge of finding a job to which I could devote myself 24/7. The answer was to become a mortgage specialist. I love every aspect of the job including meeting new people, negotiating with lenders, and most of all to make difference in each client’s life by providing the best quality of care and service. I made British Columbia my home in the ’90s after emigrating from Japan. Canada gave me so many opportunities to achieve my goals, building my roots and family, and work in an industry I am passionate about. I would like to give back my service to help people to retain a home, upgrade a home, and improve their financial situation. I pride myself in my approach where I take time to learn about clients and understand their needs. Throughout the course, I will walk you through the process and answer all your questions. Our relationship does not end when the mortgage is funded, I will make sure to provide necessary advice so that each client can achieve financial goals and build personal wealth moving forward. Serving Clients across Vancouver, West Vancouver, North Vancouver, Burnaby, Richmond, Coquitlam, Port Coquitlam, Port Moody, New Westminster, Delta, Langley, Pitt Meadows, Surrey, Squamish, Whistler, and other areas in British Columbia. Mortgage Services includes New Home Purchase Mortgage | Morgage Refinance | Mortgage Renewal | Investment Property Mortgage | Alternative (Private) Mortgage | New to Canada | Self Employed Mortgage | Reverse Mortgage | Purchase and Improvement Mortgage | Construction Mortgage | Land Financing | Commercial Mortgage | Challenged Credit
  • Expertise
    Making a sound financial decision during a transition in life can be challenging. My job as a mortgage specialist is to make your decision-making process hassle and stress-free while providing a service that saves you time and money. Heidi Hamano offers a one-stop service for a wide range of mortgages; first home buyer mortgage, self-employed mortgage, refinance, investment property, and other types of mortgage to clients across the lower mainland.
  • 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-shipping fast, easy, and convenient.
  • 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.
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
New Mortgage
Need a new mortgage? I'll help you pick the right fit for you and your budget.
Renewal
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
Refinancing
Sometimes, refinancing is your best option for a variety of reasons. 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, 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.

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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Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.