About Me

Prior to starting in the mortgage business I owned many homes in Victoria – personally touching many different financing scenarios – refi’s, purchase + improvements, construction loans, HELOC’s, e-advanceable mortgages and unfortunately unwieldy mortgage penalties.

I’ve used mortgage brokers, and negotiated with big banks by myself. It’s this varied and extensive personal experience from a ‘consumer side’ of the mortgage industry that drives the focus of my work on the industry side. I always wanted to be truly impartial to the complete needs of the client. I feel that the mortgage broker industry in Victoria has some great people, but from my personal experiences as a customer, I also know that there is an element that I wouldn't want to associate with.

I made the bet that offering insightful, thoughtful and absolutely honest advice I would be valued by Vancouver Islanders looking for unbiased mortgage advice.

Formal Qualifications:

Bachelor of Arts - Education (University of Victoria)
University of British Columbia - Sauder School of Business Provincially Licensed Mortgage Broker (License No: 501588).
Member of the Mortgage Professionals of Canada (CAAMP - MPC)

Who are my clients? Canadian residential mortgage borrowers who would like a mortgage pre-approval or who are purchasing a home, refinancing an existing mortgage, or evaluating a renewal offer from their existing lender.

Why Me?

I will give you the same advice I would give myself .

Unlike employees working for lenders, my only objective is happy customers (my main source of referrals) and my income is not affected by my lenders’ profitability.

I can simplify your mortgage options and explain the interest rate market in a way that you can easily understand.

I offer thoughtful, insightful and absolutely honest advice.

I offer in-home and after hours appointments, so you don't have to miss work or other important parts of your life.

My interest rates are the best in the business.

When I’m Not Working I Am:

A husband and father to an amazing one year old boy.

An avid sport fisherman in the ocean around Southern Vancouver Island.

A year round runner, swimmer and adventurer - taking on challenges like running the 75km West Coast Trail in a day.

Working my other job as a professional firefighter.

About TMG - The Mortgage Group:

TMG The Mortgage Group is an award-winning Canadian mortgage company with a national team of over 700 qualified and accredited mortgage brokers and mortgage professionals providing residential and commercial mortgage services. Since 1990, TMG has helped a quarter million Canadians get the best financing solutions and mortgage rates through Canadian mortgage lenders from coast to coast. If you’re ready to get started you can call me at 250-858-8564 (ask for Mike), email me, or apply online. Whether you need a mortgage now or just want some advice for the future, I would be happy to speak with you. I look forward to hearing from you.

-Mike Grace TMG Victoria - The Mortgage Group