Let's chat: 902-791-0887
|
TMG The Mortgage Group Atlantic Inc.
Unlock Your Homeownership Journey with Logan Rowlands
Tailored Mortgage Solutions for Your Dream Home
I'm Logan Rowlands, your trusted Halifax-based mortgage broker with a wealth of experience in guiding individuals and families through the intricacies of home financing. With a keen understanding of the local real estate market, I bring tailored solutions to your unique homeownership goals. Providing personalized service is my commitment to you, ensuring a smooth and stress-free experience. I believe in open communication, empowering you to make informed decisions about your mortgage options. Whether you're a first-time buyer or a seasoned homeowner, let's embark on your mortgage journey with confidence.
  • Local Expertise
    Being an integral part of the Halifax community, I possess a deep understanding of our local real estate market. This insight enables me to customize mortgage solutions that precisely suit your requirements.
  • Personalized Service
    Recognizing that your financial journey is unique, I take the time to comprehend your goals, concerns, and financial situation. This ensures that the guidance and support I provide throughout the mortgage process are tailored to your specific needs. What sets me apart is my commitment to your convenience—I am available on nights and weekends, offering flexibility that traditional banks often don't provide.
  • No Cost to You
    Worried about additional charges? Rest assured, my services come at no cost to you. I am compensated through a finder's fee paid by the lender, not by my clients. This means you can benefit from expert mortgage guidance without the worry of added expenses.
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
My Mortgage Blog — Latest Posts
Bank of Canada's fourth consecutive rate cut brings more relief to borrowers
The Bank of Canada delivered a 50-basis-point (bps) rate cut on Wednesday, bringing its policy rate to 3.75%, its lowest level in two years. This marks the fourth straight...
Read More
What happens if you miss a mortgage payment?
Missing a mortgage payment can be a stressful experience, but it's important to know what to expect if it happens and what options are available to prevent long-term...
Read More
Federal program introduces easier refinancing for homeowners adding rental suite
The federal government announced a new mortgage refinancing program designed to help homeowners add secondary suites—such as basement apartments or garage conversions. The...
Read More
Big week for mortgage rules: Feds announce key reforms
It’s been a big week for mortgage news, with both the federal government and OSFI rolling out important updates. The government has shared more details on its mortgage reforms, like...
Read More
View More
Contact me! Let's get started today!

Get in touch with me today for your free consultation!

Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.