We are TMG -- Our Story

It was 27 years ago this month that TMG The Mortgage Group was born.  With a network of approximately 800 mortgage brokers and agents nationwide, TMG has assisted hundreds of thousands million Canadians find the mortgage to best suit their financial needs. TMG operates on the premise that a mortgage broker provides the best value for consumers and has the knowledge and expertise to assist anyone seeking mortgage financing advice.

We thought it might be a good time to share our story.

And so, it begins: In the early years, the company operated as Kirk capital Corp. and opened its first franchise in British Columbia under London, Ontario-based “The Equity Centre,” led by industry pioneers Grant and Debbie Thomas. Four years later, CIBC purchased the master franchisor and changed the name to The Mortgage Centre. In 1997, Kirk Capital Corp. parted ways with that franchise network and changed its name to The Mortgage Group, becoming an independent privately-owned mortgage brokerage firm.

Both Grant and Debbie are committed to the mortgage industry and are dedicated to the ideals of ongoing training and education as well as increasing professionalism among its brokers, agents and regional mangers as well as in the industry as a whole. Many TMG alumni have gone on to become the industry’s stars and thought leaders.

Debbie’s background in teaching and Grant’s experience in the hospitality industry have served them and TMG well. They are invested in the industry and have developed policies and procedures that assist each agent to be successful and grow their business.

Grant and Debbie are proud to be one of the longest operating mortgage brokerages in Canada and they have been the principals since day one. This shows a strong commitment to the industry. The role of a brokerage is to lead, innovate and provide oversight. We strongly believe that TMG has succeeded in doing just that.

Not only are Grant and Debbie committed to the success of TMG, they have shown passion and dedication for the success of others and the industry at large.  As part of a very influential Western core group of broker advocates in the early 1990s, they were instrumental in ensuring that Western brokers were properly recognized. Through their efforts, mortgage lenders such as Scotia Bank and HSBC added the West to their business market

They have been able to maintain and even strengthen the TMG family in the wake of impressive growth. TMG is not a big, faceless company. It is a small company that continues to grow.

For Debbie Thomas, Partner of TMG, education was the key to helping brokers and agents develop and grow their business. “When we started, mortgage brokers had a bad rep and were considered a last resort. I wanted to educate the public of the benefits of using a broker,” she said.

Over the years, the industry has made inroads into gaining market share, which sits at approx. 35% among all borrowers -- higher among first time home buyers. For Debbie Thomas, that’s still not enough. “We just have to keep sending our message out to consumers and make sure our brokers are well-trained.”

Today, TMG continues to develop unique training programs, customized payroll systems, and personalized marketing materials. TMG also built its own recording studio and remodeled its training facility with full HD, Green Screen, broadcasting capabilities.

TMG, an award-winning brokerage, has attracted mortgage leaders from across the industry and across the country. Its regional sales leaders are experienced and well-respected individuals who work directly with brokers in their regions.

 “TMG The Mortgage Group Canada Inc.  is a special company” states Mark Kerzner, President. “So much of our success is based on the relationship that we have developed over the years with our brokers, lenders and industry providers. We are continually looking to the future for ways of enhancing a broker’s value with an end consumer. At TMG we are on the right path.”

TMG’s 24th Anniversary -- keeping it real

For twenty-four years, TMG The Mortgage Group has been quietly earning the respect of lender partners, the brokers who are part of the TMG family, and colleagues in the industry. As part of a very influential Western core group of broker advocates in the early 1990s, founders Grant and Debbie Thomas were instrumental in ensuring that Western brokers were properly recognized. Through their efforts, mortgage lenders such as Scotiabank to their business market.

Over the years, TMG has developed some of the best lender relationships in the industry, which stems from a corporate philosophy that lenders ought to be treated like customers.

Today, July 24, marks the 24th anniversary for TMG. With a network of nearly 800 mortgage brokers and agents nationwide, TMG has assisted hundreds of thousands of Canadians find the mortgage to best suit their financial needs. TMG operates on the premise that a mortgage broker provides the best value for consumers and has the knowledge and expertise to assist anyone seeking mortgage financing advice.

The Year was 1990

It was the year the Edmonton Oilers came back and Mario Lemieux couldn't. The economy turned its worst performance since the Second World War.

It was the time of Brian Mulroney and George Bush (Sr). One US dollar cost $1.17 Canadian. Caller ID systems were introduced and the Internet revolution began. Nelson Mandela was released from prison after 27 years and Iraq invaded Kuwait.

It was a time of hot pants, mini-skirts, pre-ripped jeans, grunge art, Ninja turtles, head bands and sneakers. "Die Hard" was a box office hit and TV show "Cheers" won all of the Emmys.

TMG was formed

In its early years, the company operated as Kirk capital Corp. and opened its first franchise in British Columbia under London, Ontario-based “The Equity Centre,” led by industry pioneers Grant and Debbie Thomas. In 1997, Kirk Capital Corp. parted ways with that franchise network and changed its name to The Mortgage Group, becoming an independent privately-owned mortgage brokerage firm.

 “When we started, mortgage brokers had a bad rap and were considered as a last resort,” said co-founder Debbie Thomas. “I wanted to educate the public of the benefits of using a broker.”

Although the industry has made inroads into gaining market share, it’s still not enough. “We just have to keep sending our message out to consumers and make sure our brokers are well-trained.” Debbie’s goal has always been to instill confidence in consumers when dealing with brokers.

TMG has also attracted mortgage leaders from across the industry and across the country. Its regional sales leaders and vice-presidents are experienced and well-respected individuals who work directly with brokers in their regions to help them exceed their mortgage business goals.

 “TMG The Mortgage Group Canada Inc.  is a special company” said Mark Kerzner, President of TMG. “So much of our success is based on the relationships that we have developed over the years with our brokers, lenders and industry providers. We are continually looking to the future for ways of enhancing a broker’s value with an end consumer. At TMG we are on the right path.”

The company’s contribution has not gone unrecognized in the industry. In 2011, TMG was honoured with the Canadian Mortgage Award’s top award for Network Broker of the Year. In 2012, the company was named one of the Best Companies to Work for in BC. In that same year TMG was awarded with CAAMP’s Partners Excellence Award and Grant and Debbie received MBABC ‘s Pioneer Award for Lifetime Achievement. In 2013, the company won Employer of Choice at the Canadian Mortgage Awards and last year Grant and Debbie were inducted into CAAMP’s Canadian Mortgage Hall of Fame.

Yet, TMG is not a big, faceless company. Throughout the company’s growth, the brokerage has never lost its family-centred values. Indeed, it has maintained and reinforced its corporate family culture.
In the 14 years that Corrie Chenier has worked for TMG, she has watched the company grow from 40 brokers and a few staff to nearly 800 brokers staff. In all that time, she said TMG never lost its family values –it’s a place that Corrie calls home.

 “TMG is very family-oriented and we work quite well together as a team,” she said. “The culture here also promotes a high degree of professionalism and we do all we can to help our brokers succeed - from our marketing department to our regional managers – we are focused on their success.”

Branka Hayes, who works in payroll, has been with TMG for 10 years. She has glowing praise for the company that has made her feel a part of a larger family. The atmosphere has helped her in so many ways -- as the company grew, Branka experienced her own personal growth.

“We are treated so well – all of us feel the same way,” she said. “Whatever challenges we go through, this company is here to help us. And whenever I was in need, Debbie and Grant were totally present with me and what was happening in my life.”

Shanna Goldberg, Broker Services & Benefits Coordinator, who works out of the Toronto office, has been with TMG for just two years yet it feels like her extended family. She is about to go on maternity leave. “It feels a bit like losing a family member,” she said. “I kept asking Mark if there was some way I could still work while on leave,” she laughs. “But he reminded me that it was my family time.”

While within TMG, Grant and Debbie are seen as mentors, experts and leaders.  Within the mortgage industry, they are seen as entrepreneurs, advocates and pioneers. But always, at its core, TMG is one big family.