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TMG The Mortgage Group Atlantic Inc.

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Your Mortgage. My Priority.
Licensed mortgage associate serving Moncton and New Brunswick — helping you find the right rate, with the right lender, at the right time.
Hi, I'm Rajat Singh — a licensed mortgage associate with TMG The Mortgage Group, proudly serving clients across Moncton and New Brunswick. Before entering the mortgage industry, I built my career in customer service and sales — which means I know how to listen, how to communicate clearly, and how to put people first. I bring that same commitment to every mortgage conversation. Whether you're buying your first home, renewing your mortgage, or exploring refinancing options, I'll take the time to understand your situation and find a solution that actually fits your life — not just your credit score. With access to 50+ lenders through TMG, I work for you — not the banks. Ready to take the next step? Let's talk. A quick conversation could save you thousands — book your free consultation today.
  • I've Navigated the Canadian System Myself
    The Canadian mortgage process can be confusing for anyone — but for newcomers, it can feel like a maze. I've been through it personally. I understand the challenges of building credit history in a new country, proving income from non-traditional sources, and navigating a system that wasn't designed with you in mind. I'll meet you where you are, not where the bank expects you to be.
  • I Answer When Other Brokers Don't
    I'm not managing hundreds of files. Right now, you get my full attention — evenings, weekends, and same-day callbacks included. When you have a question about your pre-approval at 8pm on a Thursday, I'll actually pick up. That's not something a bank or a busy senior broker can promise you.
  • I Serve Moncton's Multicultural Community — In Their Language
    Moncton's South Asian community is one of the fastest-growing in Atlantic Canada, and most brokers aren't speaking to them directly. I do. Whether you prefer to discuss your mortgage in English, Punjabi, or Hindi, I can have that conversation — and I understand the cultural context around financial decisions that many brokers simply don't.
No Hidden Agenda. No Pressure. No Fee.
I'm at the stage of my career where reputation is everything. I'm not chasing volume — I'm building trust. Every client I work with gets my honest advice, my full effort, and a process that's transparent from start to finish. And because lenders pay me directly, my service costs you absolutely nothing. When you work with me, you're not a file number. You're the reason I'm in this business.
Think Outside the Branch for Your Mortgage
First-Time Buyer
Buying your first home is one of the biggest decisions of your life — and I'll make sure you're ready for every step. From your first pre-approval to closing day, I'll explain what you qualify for, which government incentives apply to you, and how to get into your home with confidence. No jargon. No pressure. Just a clear path to your keys.
Renewal
Your lender is counting on you to just sign and move on. Don't. When your mortgage comes up for renewal, it's the perfect moment to revisit your rate, renegotiate your terms, and explore whether a better deal exists elsewhere. I'll review your renewal offer, shop the market on your behalf, and make sure you're not overpaying for another term.
Refinancing
Refinancing can be one of the smartest financial moves you make — whether you're consolidating debt, funding a renovation, or locking in a better rate. I'll review your full situation and give you an honest answer on whether refinancing makes sense right now, what it would cost, and what you'd save. No guesswork, no surprises.
One Application. 50+ Lenders. Zero Cost to You.
Stop settling for your bank's rate. Apply in minutes and let me do the shopping for you.
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 or contact me to get a personalized detailed copy!
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My Mortgage Blog — Latest Posts
Rajat Preet Singh || April 01, 2026
Do you know all the costs of buying a home?
Before you take possession of your new home, you need to consider any and all additional costs of obtaining your mortgage - closing costs.. Home inspection...
Read More
Rajat Preet Singh || April 01, 2026
Use these saving tips to become mortgage free!
Good news! It only takes small changes for you to become mortgage free and save thousands of dollars in interest. In December, Mortgage Professionals Canada released its annual state of the housing...
Read More
Rajat Preet Singh || April 01, 2026
Tips to help you buy your first home
Buying a home is one of the biggest financial decisions you will make, so it pays to make an informed decision. I will assist you with the entire home buying process from the moment you decide to buy...
Read More
Rajat Preet Singh || April 01, 2026
Millennials need help with home ownership
Recent reports from two of Canada’s major banks – CIBC and ScotiaBank – offer a glimpse into the world of millennials and home ownership as well as the impact of the Internet on mortgage...
Read More
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Your Next Step Starts Here

Get in touch with me today for your free consultation!

Drop me a message and I'll respond within hours — not days. 506-888-6000 · Free · No obligation · Moncton, NB