Customized Services

Your Needs Covered

We are here to help with your mortgage needs, refinancing, new home purchases or mortgage renewals.

Loan Program

Secured Loan

Get approved for up to $200,000

How can we help you?

Thinking Outside The Branch For Your Mortgage & Financial Needs.

First Time Home Buyers

Bruised Credit

Refinancing Your Home

48 Hour Equity Loans

Self Employed Approval

Investment Funding

Call for Consultation

We have many options available for all your needs.


Let Me Help You Finance Your Home

Purchasing a home is an important decision and you should be confident about your investment. I will work with you personally to offer you valuable insight throughout the process, save you time and find the mortgage that best suits your situation.

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 can help you overcome
the fears and obstacles of all related to finances and mortgages.

Candice Joy

Candice Joy – TMG Mortgage Agent FSRA #10315
Founder of The Mills Team


I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs.

Save Time

Instead of spending your valuable time meeting with competing mortgage lenders, I can quickly narrow down the list of lenders that will help you achieve your financial goals. I will make your comparison-shipping fast, easy, and convenient.

No Charge

There’s absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are paid a finder’s fee when we introduce dependable clients to a financial institution.


A Quick Look At Mortgage Types

There are 4 main types of loans you should know about. If you are interested in learning more click the button below.


Fixed term with a locked in interest rate on a monthly basis.


Flexibility of paying off some or entire mortgage anytime.


Adjusting rates based on fluctuations with term ranges.


Line-of-credit that allows you to access equity from your home.

what makes us for you

Just some points on why working with us makes sense

Industry Expertise

No Charge To You

One-Stop Shop

Personal Concierge

Ready To Help You

Let’s start a conversation and take care of your financial needs.


Mills Financial Group

We make working with us simple straight from the first point of contact. This means we listen to all your needs, find you the best option and make it work for your timeframe.


We make sure that whether you contact us by phone, email or apply for our services we get in touch soon after. We want to have a first initial call to go over details and needs.


Depending on your specific needs we keep you in the loop the entire time. We focus on getting any financing or other needs fulfilled in a timely matter.


We hope to get all your needs completed efficiently and have good news for you soon after we start talking. Some services take long then others but we are always working hard for you.


Stay in the loop 

We try to keep our readers in the know how with the latest industry trends and valuable information. 

Maximizing Rental Income for Mortgage Financing

Maximizing Rental Income for Mortgage Financing

Navigating the intersection of rental properties and mortgage financing can be a complex yet fruitful endeavour for property investors seeking to maximize their investment returns. In this in-depth guide, we will explore strategies to use rental income effectively to...

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Down Payment Assistance Programs in Canada

Down Payment Assistance Programs in Canada

For many first-time homebuyers in Canada, accumulating sufficient funds for a down payment remains a significant obstacle to homeownership. In this comprehensive guide, Exploring Down Payment Assistance Programs for First-Time Homebuyers in Canada, we will delve into...

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Mortgage Portability in Canada: Benefits & Considerations

Mortgage Portability in Canada: Benefits & Considerations

As a homeowner, your life circumstances might change, leading to the need for relocation and, consequently, a new mortgage. In such situations, mortgage portability can be a valuable option, allowing the transfer of your existing mortgage to a new property while...

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Interested in reading more? Explore our blogs page.

“Hey Candice, We just wanted to reach out and thank you for all your hard work and dedication to us getting this house. You truly worked a miracle for us.”
“Hi Candice, Mom dad and I wanted to thank you for all you have done. You have been amazing, and really have helped me buy with confidence.”
“I want to say a huge thank you to Candice Joy for all you did in helping us when it came to refinancing our mortgage. We didn’t really know what to expect but you made the whole process so easy for us!!”

Get In Touch With The Mills Team Today
Ready To Help.

Were We Serve

We help clients in numerous local areas around Ontario

My Timings

Mon – Fri: (9 am to 6 pm)
Sat: (10 am to 5 pm)
Sunday: (Closed)