Location: 121 Harbord Street 2nd Floor Toronto ON M5S1G9       Mail: candicejoy@millsfinancial.ca

Let's Talk

LITTLE STORY TIME

I am part of TMG The Mortgage Group – an award-winning Canadian mortgage brokerage with a national team of over 800.

FROM THE BEGINNING

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

Expertise

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.

WORK WITH THE PROFESSIONALS

Why Should You Use  The Mills Financial Group

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.

Think Outside The Branch For Your Mortgage & Financials

I will also ensure that you’re getting the best rates and terms. Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! I can investigate on your behalf to see if there is an alternative to better suit your needs.

New Mortgage

Need a new mortgage? I’ll help you pick the right fit for you and your budget.

Renewals

When it comes time to renew your mortgage, I’ll help you review your options and make the renewal process simple and easy.

Refinancing

Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you!

“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.”
JESS, RICK AND CHARLOTTE
“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.”
CAMERON
“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!!”
NICOLE SMITH

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

Let’s Talk

Phone: 613-558-1143
Email: candicejoy@millsfinancial.ca

Request Quote

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)