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TMG The Mortgage Group
Welcome to a financial company where you truly come first.
Unlike most financial institutions that only say customers come first, we guarantee it. At the end of the day, if you are not totally satisfied, no one gets paid. Try that at your local bank, it won't fly. We put our money where our mouth is every day. Our only focus is you, making sure you get the best product or service available. We make sure you understand the process, from beginning to end. Wheatland Financial offers two main services, access to the best residential mortgages in Canada, and agricultural financial consulting. The president and founder Paul Kuntz heads up both divisions.
  • Residential Mortgage Brokerage
    If you had the choice to shop at one financial institution or shop at 20, which would you choose? There are more options available than your bank is giving you. We can find the right product at the right price for you. With our association with The Mortgage Group, we have access to the best rates and mortgage products available. Whether you are looking for a mortgage to buy a new home or renovate the one you already have, we can help. Maybe you just want some of the hard earned equity out of your home for you to enjoy. We can help with that as well.
  • Ag Financial Consulting
    With a wealth of experience in this area, we are able to provide business management consulting specific to agriculture clients. We provide an in-depth look at your farm from a fresh perspective. We provide a snapshot report card of the financial performance of your farm. Then we provide strategic planning to set the goals of the farm. The final step is to collect the actual results to test the plan.
  • Farm Succession Planning
    This is an area that has caused a lot of confusion for farmers over the years. We can help you make sense of it all. We can provide all the options necessary to device the perfect plan. We work with not just mom and dad, but the farming children. We can even work with the non-farming children to ensure everyone is on side. With our team of legal and tax specialists, or yours, succession can be possible without the tax man getting an un-even share.
Why Should You Use My Services?
With over 21 years of experience with financial institutions, Paul Kuntz has decided to work for you. His unwavering dedication to the client can now shine through as his only focus is you. Instead of trying to conform to one company’s policy, he now can search out the best options from the best lenders to get you the right deal. He understands what you want, and he understands how lenders work. It’s the perfect combination to get working for you. 

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.
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
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 Happy Clients
My Mortgage Blog — Latest Posts
Use the Smith Maneuver to Build Wealth
What’s the Smith Maneuver? It’s a wealth-building strategy to create a tax-deductible mortgage. You may have heard, and envied, that mortgage holders in the US can claim their mortgage interest as...
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Home Ownership, yes! But wait...
OOPS, what happened? I moved in and I didn’t consider all that needed to get done. Most homeowners admit to making at least one mistake when they purchased their home, according to a...
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Important Mortgage Features to Consider
Real estate continues to be a hot commodity in most parts of the country, despite the many changes we’ve gone through over the last few years. Prices in some areas are up and listings are in short...
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Mortgage Fraud – Don’t Let It Happen to You
There has been a growing concern about fraud in the industry for a number of years. According to Equifax, suspected fraudulent mortgage applications have increased by 52% in Canada since...
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