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TMG The Mortgage Group (Ontario) Inc.

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Let's build your Net Worth
Understanding your situation to create positive leverage.
Nick brings a unique and powerful combination of financial expertise, strategic insight, and real-world experience to every client he serves. With 25 years of success in corporate sales and business development, Nick understands how to navigate complex financial decisions with clarity and confidence. As a licensed mortgage broker, he excels in securing the most competitive mortgage solutions tailored to each client’s needs, whether you're a first-time buyer, refinancing, or investing. What truly sets Nick apart is his ability to go beyond the mortgage transaction. As a personal budgeting expert, he applies proven business principles—such as KPI tracking, cash flow management, and strategic pivots—to help individuals and families build sustainable, future-focused financial plans. Nick holds a Bachelor's degree and is currently completing his MBA (Class of 2026), further deepening his ability to bring analytical, strategic thinking to personal finance. With Nick, you’re not just getting a broker, you’re gaining a partner who brings discipline, insight, and heart to every financial decision.



  • 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.
  • 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.
  • No cost to you
    For most residential mortgage transactions, there’s no direct fee charged to you. Like other professionals (e.g., insurance advisors), mortgage brokers are typically paid a finder’s fee by the lender for bringing qualified clients.
Driven Success Through Customer Service
Nick is committed to delivering superior customer service that empowers his clients to make confident, informed financial decisions. He goes far beyond standard advice, using advanced communication techniques to simplify complex mortgage and budgeting concepts, ensuring every client clearly understands their options and the long-term impact of their choices. Nick’s ability to think outside the box means he regularly uncovers creative solutions that others might miss, whether it’s structuring a mortgage to align with future goals or designing a custom budget strategy. With a sharp eye for detail and a strong emphasis on accuracy, Nick ensures that every recommendation is not only tailored, but reliable. The result is a client experience that’s not just helpful—but transformative. I will negotiate on your behalf. 
Think Outside the Branch for Your Mortgage
New Mortgage- Market Entry Solutions
Purchasing your first home is challenging criteria in many ways. Nick has several solutions for each road block.
Renewal- Let's Build
Instead of just taking a number, let's see if we can build some net worth or improve cash flow. Your house can help....
Refinancing- Any Goal or Challenge Can Be met
Whether you are looking for an addition, purchase a secondary dwelling, or clean up some previous challenges, Nick can help.
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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My Mortgage Blog — Latest Posts
Nick Wray || December 12, 2025
The Bank of Canada hit pause. Is this as low as rates will go?
The Bank of Canada held its policy rate at 2.25% this week, a decision most had already been expecting. After four cuts over the past year, the question now isn’t what just happened, but what comes...
Read More
Nick Wray || November 07, 2025
Did October’s jobs report just put Bank of Canada rate cuts on hold?
Canada’s job market picked up again in October, adding 67,000 jobs (+0.3%) and pushing the unemployment rate down to 6.9%. It marked the second straight monthly increase, reversing...
Read More
Nick Wray || October 10, 2025
Canada adds 60,000 jobs in September as Bank of Canada decision looms
Canada’s job market partially recovered in September, with employment rising by 60,000 after steep declines in July and August. The unemployment rate held steady at 7.1%, while the employment rate...
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Nick Wray || August 18, 2025
Home sales continued to rebound in July, though price growth remains elusive
Canada’s housing market strengthened further in July, with sales rising 3.8% month-over-month, building on gains seen in each of the past three months. Since March, national transactions are up...
Read More
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Reach to see how we can Grow your networth

From new to renewal, Nick can help both immediately by placing the optimal mortgage to the future by delivering actionable budgets.