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TMG The Mortgage Group Alberta Ltd.
Let me help you finance your home!
I'll sweat the details so you don't have to.
My family relocated to Grande Prairie back in 1999, a city known for offering fresh opportunities to newcomers, a narrative that resonates with countless families who have made this move. Following my graduation in 2005, I embarked on my full-time career journey during a time when one had the liberty to choose from a wide array of trades or consider employment with various oilfield companies. I dabbled in a few different fields initially, eventually finding my niche as a Journeyman Refrigeration & Air Conditioning Mechanic. In this profession, I discovered immense satisfaction in being a service technician, delving into problem-solving, perpetually acquiring knowledge about cutting-edge equipment, and fostering connections with like-minded individuals for nearly a decade. My dedication and proficiency led me to a significant milestone: a promotion to the role of field supervisor, an enriching personal experience. However, over time, I realized that this position wasn't my long-term aspiration. I sought the autonomy of self-employment, a path aligned with helping clients directly and solving financial puzzles. I committed myself to becoming a licensed mortgage associate, pursuing courses during evenings and weekends while maintaining my role as a tradesman. Fortuitously, I crossed paths with a supportive team at The Mortgage Group Grande Prairie who were willing to take a chance on me, and from that moment forward, I never looked back. The aspiration of homeownership is one shared by many of us. After all, we all need a place to call our own. Let me guide you in realizing this dream, whether it's today or a carefully planned goal for tomorrow. Sincerely, Jon Giguere Journeyman Mortgage Broker
  • Expertise
    I'm here to offer you personalized and unbiased financial guidance at absolutely no cost to you. What sets me apart is that I'm not bound to any one lender or product, which means I can present you with mortgage options that are perfectly tailored to your unique requirements and goals. Your financial success is my top priority, and I'm committed to helping you find the ideal mortgage solution.
  • 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.
  • Free Service
    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.
Let me explain why you should use my services.
1. Expert Guidance: When you work with me, you're not just getting a mortgage broker; you're gaining a trusted advisor. I have a deep understanding of the mortgage industry and the local real estate market, and I'm here to share that knowledge with you. I'll guide you through the entire process, ensuring you make informed decisions that align with your financial goals.
 
2. Your Best Interests at Heart: Your financial well-being is my top priority. I treat your mortgage as if it were my own, always striving to secure the best terms and rates available. Whether you're a first-time homebuyer, looking to refinance, or investing in real estate, I'll tailor a solution that suits your unique needs.
 
3. Access to Multiple Lenders: I have established relationships with a wide range of lenders, giving you access to a plethora of mortgage options. This means we can find the perfect fit for you, whether you have unique financial circumstances or simply want the best deal possible.
 
4. Personalized Service: I understand that every client is different, and I take the time to get to know you and your specific situation. Your goals and preferences shape the mortgage solution I design for you. You're not just a number; you're a valued client, and I'm here to provide personalized service every step of the way.
 
5. Simplified Process: Mortgages can be complex, but I'm here to simplify things for you. I'll handle the paperwork, communicate with lenders, and keep you informed throughout the process, so you can focus on what matters most to you.
 
6. Transparent and Trustworthy: I believe in transparency. You'll always know what's happening with your mortgage application, and I'm readily available to answer your questions or address any concerns. You can trust that I have your best interests in mind at all times.
 
7. Local Expertise: As a part of this community, I have a deep connection to the area. I know Grande Prairie and its real estate market intimately, which means I can offer insights and advice specific to your location.
 
8. Building Long-Term Relationships: My commitment doesn't end when your mortgage is approved. I aim to build lasting relationships with my clients. Whether you need assistance with future financial decisions or have questions down the road, I'll be here to support you.
 
In choosing my services, you're not just choosing a mortgage professional; you're choosing a partner on your homeownership journey. I'm dedicated to making this process as smooth and rewarding as possible. Your dreams of owning a home are my mission, and I'm excited to help you achieve them. Let's work together to make your homeownership dreams a reality!
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

Opting for a fixed-rate mortgage provides you with the reassurance of locking in your interest rate throughout the mortgage term. This means you have a clear understanding of the exact amount you'll pay in both principal and interest during this period. Fixed-rate mortgage terms typically span from 6 months to 10 years.

Furthermore, fixed-rate mortgages often offer the flexibility of making pre-payments, which can range from 10% to 25% of the original mortgage balance annually, contingent on the specific lender's terms. However, it's important to note that should you decide to pay off your mortgage in its entirety before the term concludes, you may incur a penalty. This penalty can be calculated in one of two ways: either as three months of simple interest or through an Interest Rate Differential (IRD) calculation.

The significant advantage of selecting a fixed-rate mortgage is that it typically boasts a lower interest rate compared to an open mortgage. This makes it an attractive choice, especially if you don't anticipate making full pre-payments during your chosen term.

In essence, a fixed-rate mortgage empowers you with stability, predictability, and cost-effectiveness, making it a favored option for those who intend to maintain their mortgage obligations as agreed throughout the selected term.


A variable-rate mortgage offers you the opportunity to benefit from the current low Prime Rate. Typically, variable-rate mortgage products are established at rates lower than the prime rate, with term options spanning from 1 to 5 years.

The uniqueness of variable-rate mortgages lies in the flexibility of payment structures, which vary based on the specific product or lender you select. In certain instances, you have the option to secure fixed payments for a duration of up to 5 years, while the interest rate will adapt in response to fluctuations in the Bank Prime Rate.

Alternatively, with some variable-rate mortgage agreements, your monthly payments will adjust in direct correlation to the frequency of changes in the Prime Rate during your chosen term. This dynamic feature provides both advantages and considerations, depending on your financial objectives and risk tolerance.


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 lets you tap into your home's equity whenever you want. The interest rates are linked to the prime rate, typically a bit higher. You only need to pay interest on what you owe, which can be helpful for managing your cash flow. This type of credit usually has lower interest rates compared to an unsecured line of credit. If you have good equity in your home, you can have both a secured line of credit and a mortgage.

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.