Michelle Nichol TMG - The Mortgage Group

06/01/2026

🏡 Have you visited our office yet?

We know life is busy, which is why we strive to make the mortgage process as comfortable and convenient as possible.

Whether you prefer a daytime appointment or need an evening appointment to fit your schedule, we’re here when it works best for you.

Need to bring the kids along? No problem! While we chat, they can enjoy Netflix, Disney, YouTube, colouring, or some of the toys we have available in the office.

Whether you’re buying your first home, refinancing, renewing, or simply exploring your options, we’re here to provide guidance in a relaxed, welcoming, and family-friendly environment.

Your mortgage journey doesn’t have to be stressful—we’re here to help every step of the way. 🧡

📞 Reach out anytime to book an appointment. We look forward to welcoming you!

Michelle Nichol
☎️519-404-4811
📧[email protected]

FamilyFriendly

02/19/2026

Thinking About Moving This Spring

If you’re considering a spring move, now is the time to get your questions answered. Knowing your numbers early can help you shop with confidence and avoid last-minute stress. Want to run through a few “what if” scenarios together?

Michelle Nichol
Mortgage Agent L2

📱519-404-4811
📧[email protected]
👩‍💻michellenichol.ca

02/09/2026

Dreaming of a cottage or weekend place this year? A little planning now can save a lot of stress later. From budgeting to understanding your monthly comfort zone, I can help you plan before you start touring properties.

02/05/2026

If renovations are on your wish list this spring, the best time to plan is before contractors book up and costs add up. Even a quick conversation can help you understand what’s realistic for your budget and timing.

Reach out and let’s chat about your goals.

02/03/2026

February Financial Check-In

If you’re feeling like money has been “a lot” lately, you’re not alone. February is a good time to do a quick check-in: What’s coming up this year: renewal, renovations, a move, or a first home?

If you want a clear picture of your options, I’m here to help.

Michelle Nichol
Mortgage Agent L2
519-404-4811
[email protected]

01/28/2026

The Bank of Canada has kept its key policy rate unchanged at 2.25%, as expected by markets.

The decision further pauses the Bank’s easing cycle as it continues to monitor inflation and economic conditions.

“The Canadian economy continues to adjust to US tariffs and the new global trade landscape. This adjustment will take time and growth is expected to be modest. Inflation is projected to remain near the2% target”

01/07/2026

Bank of Canada Rate Announcement Dates for 2026!

The Bank of Canada announces interest rate decisions eight times each year. In 2026, those dates are scheduled for January 28, March 18, April 29, June 10, July 15, September 2, October 28, and December 9.

These announcements can influence variable rates, borrowing costs, and overall market sentiment. Staying informed helps you make confident, well timed financial decisions.

If you want to understand how rate changes may affect your mortgage or plans, a quick conversation can go a long way.

01/07/2026

A fresh new year brings a beautiful new chapter!
I’m absolutely thrilled to share that Abbi Stevenson has officially joined our TMG family, and we’ll be working side by side right here at our TMG Office at 338 Waterloo Street.

When I opened my office in 2021, I dreamed of partnering with someone who shared my love for this industry—someone with strong ethics, deep knowledge, and, most importantly, a true commitment to putting clients first. Over the years, many wonderful people reached out, but it never quite felt like the right fit… until now.

Abbi and I have known each other for a few years, and I’ve always had that feeling—we would make an incredible team. Now the timing is perfect, and Abbi has traded her home office for a shared workspace with me.

We couldn’t be more excited for what 2026 has in store and look forward to continuing to provide the same exceptional care our clients know and trust—now with two heads and two hearts working together.

12/12/2024