TMG The Mortgage Group · Calgary, AB
Mortgages, explained simply. Done thoroughly.
I'm Nabreet Ghumman, a licensed mortgage broker in Calgary. I work with first-time buyers, renewers, self-employed borrowers, newcomers and investors across AB, BC, ON and SK — comparing dozens of lenders, translating the fine print, and handling the paperwork so your approval lands on time.
- Licensed in Alberta (RECA)
- Dozens of lenders, not one bank
- No-obligation quotes
- Serving AB, BC, ON & SK
- New lender
- 4.24%
- Your current lender
- 5.39%
You save $214/mo
Who I help
Every file is different. Here's where I do my best work.
If your situation isn't on this list, ask anyway — the first conversation is free and I'll tell you honestly whether I can help.
First-time homebuyers
Real pre-approval, not a rate quote. I'll walk you through the stress test, what you can actually afford, and every step from offer to keys.
Renewals & refinances
Don't just sign the renewal letter. Signing it is the easiest money your bank makes all year — let's see what the rest of the market offers first.
Self-employed
Business-for-self and stated-income programs, plus lenders who understand sole proprietors, incorporated borrowers and write-offs.
New to Canada
Newcomer programs, foreign-income files and thin credit histories. The right documents in the right order is usually what turns a maybe into a yes.
Investors & rentals
Rental purchases, BRRRR refinances, portfolio growth and DSCR-style files where the property's income does the heavy lifting.
Tough files
Bruised credit, past consumer proposals, alt-A lenders and private options — with a clear plan to get you back to prime lending.
How it works
Four steps. No surprises.
- 01
Free consult
A 20-minute call. Your goals, your timeline, your numbers — and a straight answer about where you stand.
- 02
Compare lenders
I shop banks, credit unions and monoline lenders, then show you the shortlist side by side — rate, penalty terms and prepayment privileges.
- 03
Approval
I package your documents properly the first time and manage every lender condition through to a firm commitment.
- 04
Funding & keys
Instructions to your lawyer, a final walk-through of your numbers, and a check-in before every renewal after that.
Why work with me
A broker works for you. Your bank works for the bank.
Before mortgages I spent years in client-facing sales and operations — including running a UPS Store — with an IT background underneath it. That combination means clear explanations, tidy paperwork, and quick replies when something needs answering today.
Access to many lenders. Big banks, credit unions, monolines and alternative lenders — one application, many options.
Plain-language advice. Penalties, prepayment privileges and portability explained before you sign — not after.
Licensed and accountable. Mortgage broker licensed in Alberta under RECA, with TMG The Mortgage Group behind every file.
Tech-savvy and responsive. Secure document upload, e-signatures, and a same-business-day reply standard.
No-obligation quotes. On most residential deals the lender pays my commission, so advice costs you nothing.
Run the numbers
What would the payment be?
Canadian semi-annual compounding, the way your lender actually calculates it.
Common questions
Fair questions, straight answers.
The things almost everyone asks on the first call. If yours isn't here, the guides go deeper — or just ask me.
What does working with you cost me?
On most residential mortgages, nothing — the lender pays my commission when your mortgage funds. If a file ever needs a lender who doesn't, I tell you the fee in writing before we start.
Will shopping around hurt my credit score?
No — that's the point of a broker. I pull your credit once and shop that single report to many lenders. Walking into five banks yourself means five separate pulls.
How much down payment do I actually need?
5% of the first $500,000 and 10% of the portion up to $1.5M; 20% above that or for most rental properties. Savings, gifted funds, RRSP Home Buyers' Plan and FHSA all count.
What's the difference between pre-qualified and pre-approved?
Pre-qualification is an estimate from numbers you state. Pre-approval means a lender has reviewed your documents and credit, and holds a rate for 90–120 days — that's the one you shop with.
My renewal is coming up. When should I start?
About six months before maturity — that's how long a rate can be held. Switching lenders at renewal is usually straightforward, and on standard files the new lender covers the transfer costs.
I'm self-employed. Can I still qualify?
Yes. Most lenders want two years of self-employment history, and some read business income far more generously than others. Stated-income and bank-statement programs exist for the rest.
Questions about your own numbers?
Every file is different. Send me yours and I will tell you exactly where you stand.