A Little Bit About Me.
My career in the financial industry began in 1978 in St. John’s NL as a bank teller, and later becoming a Personal Banking Officer. Because of my husband’s career, we moved around and lived in several Maritime cities. This allowed me the opportunity to work for several of the big banks, and gain knowledge of a variety of financial products such as lines of credit, personal loans, RRSP’s and investments, as well as mortgages, which I love doing. It gives me great satisfaction to help people obtain a mortgage, whether it’s their dream home, first home or rental property. I currently work and reside in Fredericton, NB. Throughout my career, I have been privileged to work with a wide variety of clients, all with different needs, goals and financial backgrounds. My experience has helped me to develop a deep appreciation for the uniqueness of each client and their circumstances. I enjoy providing my clients with sound and reliable advice, tailored to their individual needs. This allows clients to make the appropriate decisions so they can realize their dreams of home ownership. If clients do not qualify immediately for home financing, I assist them in seeking alternatives, providing advice and guidance while helping them to devise a plan toward becoming homeowners. I enjoy keeping my services friendly, sincere and professional. I understand how busy life can be, so I work around my client’s schedules and make use of the latest technology to stay in touch. Providing exceptional service has always been the foundation of my business. This has helped me to achieve many successes, such as recognition within the industry and numerous achievement awards. On a personal level, I am very proud of our daughter Dana, son in law Vince and of course our precious granddaughter, Kailey. Family is very important to me, as I love spending time with loved ones. My biggest supporter is my husband Hugh, who I married in May 1977, I’m a lucky girl! I try to keep an active lifestyle by walking and biking. I also love to travel, especially to warm sunny destinations, and of course, I can’t forget to mention that I love shopping!! Awards and Designations TMG, Top 5% Achiever in Canada since 2010 TMG, Top Broker in Canada since 2013 TMG Atlantic, TopProducer Sales Excellence for 2015 and 2016 Certified Reverse Mortgage Specialist 2015
  • 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 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.