Paul Berthiaume-TMC GROUP
398 Lloyd street P3B 1P3 Greater Sudbury, ON, Canada

Some good advice on avoiding fraud !

We’re launching a monthly webinar series Each month we’ll be hosting a webinar to get you one step closer to financial freedom. Join our monthly webinar to st...art planning for retirement, build your child's education savings, or improve your investment and tax strategy. Don’t miss August’s webinar on Insurance Planning, next Wednesday! Registration is free, just send us an email at [email protected].

Dust Listed Your next home is for sale 31 Ashgrove Garson offered at $499,900 hot new list in the family oriented community of Garson just 2min f...rom New Sudbury! Finally! A mint condition 4 bedroom Laurel with walkout basement- finished heated garage and triple interlock drive it doesn’t get any better than this- view this trendy home before it’s too late Dusty has the keys See more

SET YOUR ALARM The Listing of the Year will Hit the Market Soon !!! Water Front Home ... In the Heart of Azilda 5 Bedroom 3 Bathrooms Contact me for more information 705-562-0789 [email protected]

Dust Listed Introducing 288 Moonrock Ave You’re going to fall in love with this one Remarkable quality built and fully bricked 2 storey home on a private... elevated landscaped property. Fabulous sunroom overlooking the park-like setting. Professionally renovated. A real family . Shows like a dream $699,900 Dusty has the keys See more

$389,000 Great investment opportunity! Here is your chance to own a beautiful income property or live in this super spacious 4 bedroom home and help pay your mo...rtgage with the fully furnished one bedroom unit. This meticulously maintained home offers a 3 bedroom unit with 1.5 baths, a huge loft, hardwood and ceramic flooring, eat-in kitchen with stainless steel appliances, a full unfinished basement with laundry and extra storage, plus a sun room. Gas forced air heating and central air, gas BBQ hookup, 2 level deck, 24x24 interlocking patio stone in back yard. The 1 bedroom unit is fully furnished with modern finishing's, appliances and it's own laundry facilities (currently rented at $1200 all inclusive) Both units have separate hydro meters. 3 bedroom unit is vacant to sell but has always been rented for $1700 plus utilities 299 College St., Sudbury See more

It is a competitive market out there

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The age of the smartphone

If you have a minimum of 20% equity in your home refinancing is a low-cost way to access needed money. Some homeowners are refinancing to pay off high interest debt and have one low monthly payment. While others are doing it to access funds for renovations since we are all spending more time at home. Whatever your need is, contact me for a free consultation.

If your current interest rate is over 3%, it might be worth taking a look. https://www.ctvnews.ca//pattie-lovett-reid-when-should-you

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Using a mortgage broker gives you access to lending options you can’t get on your own. At Mortgage Alliance we deal with many lenders, from major banks to private lending. More choices with one simple call. Contact me for a free consultation.

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https://www.cbc.ca//british-/ting-column-sept-18-1.5730878

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Low inventory-High demand, good read on where the market is heading. https://www.canadianmortgagetrends.com//housing-market-so/

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand: What you can afford The downpayment you need Costs involved with buying a home... Improving your credit Prepayment options Refinancing penalties (if you decide to do so down the road) Budgeting and more! Send me a message today and lets start the conversation.

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Is it time to break your mortgage for a lower rate? For some the answer is easy, while for others in a fixed-rate mortgage it can become a difficult and complex question when facing prepayment penalties. What we know for sure is that rates are at record lows. If you are unsure of what’s best for you, reach out. Together we will run the numbers to see what makes sense for you.

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If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals. Always remember that as a Mortgage Professional I’m here to offer you unbiased advice and answer any questions you might have. Please don’t hesitate to reach out.

Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, contact me so you can be ready to make an offer.

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With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC). Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message for a free consultation.

Things just got a bit easier to qualify for a mortgage. https://www.cbc.ca//business/mortgage-stress-test-1.5684685

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We want to pay your mortgage! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or click the link below. It pays to use the right broker!... https://www.mortgagealliance.com//MortgageAllianceWinYourM

No better time to buy a home than now ! Low interest rates and easier qualifications. Stress test goes from 4.94 to 4.79. https://www.canadianmortgagetrends.com//stress-test-rate-/

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Using a mortgage broker gives you access to lending options you can’t get on your own. We deal with many lenders, from major banks to private lending options. When you are ready to renew, refinance or purchase your next home, contact me for a consultation.

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Fixed or variable? How much of a down payment do you need? What is mortgage default insurance? Do you qualify for any first-time home buyer incentives? When it comes to securing your mortgage there are a lot of questions. That's where I come in. I'll help you navigate the process, present you with options, and ensure you get not only the best rate but the terms you need. Feel free to reach out with any questions, I'm here to help.

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With interest rates low, and expected to stay there, now is a great time to refinance to pay off high interest debt. Use this as an opportunity to streamline your finances and incorporate everything into one payment, your mortgage. Contact me for a free consultation.

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To improve something, it is important to understand it! Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Click below for more details https://www.consumer.equifax.ca//what-impacts-credit-score/

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Win your mortgage payments for a year! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or visit: https://www.mortgagealliance.com//MortgageAllianceWinYourM

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Good news for landlords https://www.cbc.ca//sudbury/ndp-landlords-changes-1.5636899

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With all the information you have been hearing about interest rates and policy changes it makes sense to schedule a free mortgage check up. We will look at your current rate and term, discuss your plans and make sure your mortgage is right for you. Send me a message and we can start your mortgage check up today.

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3 Reasons you should use a mortgage broker vs going to your bank: 1. Better rates Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders.... 3. Our services are free we are compensated by the lender.

Are you a homeowner that can benefit from the current low rates? According to CIBC Economics, the weighted average mortgage rate currently paid by borrowers [is] roughly 50 basis points higher than the current rate no less than 20% of borrowers have already renegotiated their rates. We expect more to come. Contact me and we can do a cost/benefit analysis for you as well as look at other options.

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CMHC recently announced that as of July 1 they will be tightening their underwriting guidelines which will have a huge impact on buying power for Canadians. In Canada we have 3 companies that provide mortgage insurance for those who need to buy with less than 20% down. CMHC is the most popular because they are government owned, but Genworth and Canada Guaranty announced they will not follow CMHC in tightening their policy. This is one more reason why it is so important to work with a mortgage broker who can give you options.

Good news for first time home buyers. https://links.mail.mortgageproscan.ca/ctt

With the recent CMHC qualifying announcement, and our ever-changing rate landscape, now more than even you should be seeking the advice of a Mortgage Broker. We deal with multiple lenders and flexible terms. As we have all seen over the past few weeks life changes, your mortgage needs to adapt with you. Contact me for a free, unbiased, consultation.

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I work for you! As a mortgage broker I shop the market to save you money. One call gives you access to dozens of banks, credit unions and trust companies.

Getting in touch before renewing will simply help you make a better decision, especially since the current rate environment is very confusing. It’s important to have the conversation early so there is time to review your financial goals, determine if it makes sense to switch your mortgage for a lower rate, or possibly refinance to consolidate debt. Overall, it’s an important moment of opportunity because you can renegotiate everything pertaining to your mortgage with no penalties.

Should you break your fixed rate mortgage to save money? Every situation and mortgage agreement is different. Contact me and we can review your situation to see if the cost to break your mortgage is worth the savings over time.

https://www.vice.com//sadly-the-pandemic-could-be-millenni

Are you renewing this year, planning to buy or looking to unlock equity? The pandemic might have thrown a wrench in your plans and you are uncertain about your options. Reach out for free, honest, unbiased advice.

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As a mortgage broker I work for you. I have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you. Now more than ever you need a broker on your side. Contact me for a free consultation. I’m here to help and answer your questions.

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I'm here to help! Thanks to technology we are still able to connect, answer your questions and complete transactions whether you are buying, refinancing, or renewing your mortgage.

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