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TMG The Mortgage Group Atlantic Inc.

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Your Halifax Mortgage Broker for Purchases, Renewals & Refinancing
Personalized mortgage advice for Halifax, Dartmouth, and HRM homebuyers and homeowners.
Buying a home, renewing your mortgage, or refinancing is a big financial decision — and you deserve confidence in your choice. As a Halifax-based mortgage broker, I work with first-time home buyers, homeowners, and investors across HRM to find the right mortgage rates and terms for your situation, saving you time and money throughout the process.

MEET THE TEAM

BHAWAN LITT

Mortgage Broker

With years of experience serving Halifax, Dartmouth, Bedford, and the surrounding Nova Scotia communities, Bhawan Litt is a trusted mortgage broker specializing in both residential and commercial mortgages. Whether you're a first-time homebuyer, refinancing your Halifax-area property, or seeking commercial financing for your business, Bhawan brings deep local market knowledge and personalized guidance to every step. He simplifies the mortgage process and helps clients across Halifax and neighboring areas secure the right solution with confidence and ease.

ARJUN LITT

Associate Mortgage Broker 

Arjun Litt is a dedicated residential mortgage expert serving Halifax and the surrounding areas, including Dartmouth, Bedford, and Sackville. From first-time buyers to renewals and refinances, Arjun offers personalized service and clear, straightforward advice tailored to the local Halifax housing market, making your residential mortgage journey smooth and stress-free.


  • Local Mortgage Expertise in Halifax & HRM
    As an independent Halifax mortgage broker, I provide unbiased expert advice on your financing options. I'm not tied to any single lender, so I can match you with the mortgage products that truly fit your needs — whether you're a first-time buyer or renewing your mortgage.
  • Save Time with One-Stop Mortgage Shopping
    Instead of spending your valuable time meeting with competing mortgage lenders across Halifax and Dartmouth, I quickly compare rates and narrow down the lenders that best support your financial goals — making mortgage comparison-shopping fast, easy, and convenient.
  • No Cost to You
    For most residential mortgage transactions in Nova Scotia, there's no direct fee charged to you. Like other professionals (e.g., insurance advisors), mortgage brokers are typically paid a finder's fee by the lender for bringing in qualified clients.
Why Work With a Halifax Mortgage Broker?
I will negotiate on your behalf. Many Halifax homeowners feel uncertain about negotiating a mortgage directly with their bank. Even if you already have a relationship with your branch, TMG The Mortgage Group completes millions of dollars in transactions every year with a wide network of lenders across Nova Scotia. I use these strong lender relationships to negotiate competitive mortgage rates and terms that work in your favor.
 
I will also make sure you're getting the best mortgage rates and terms available. Even if you've already been pre-approved by your bank or another lender, you're not obligated to stop shopping. I'll research current mortgage rates and renewal or refinancing options on your behalf to find an alternative that better fits your needs.
 
Did you know your mortgage can be customized? Not all mortgages are created equal, and depending on your financial goals, I'll help structure a mortgage that supports them. Whether you're purchasing a home, renewing, refinancing, renovating, or looking to make your mortgage interest tax-deductible, I'll help ensure your mortgage works toward your specific goals.
Think Outside the Branch for Your Mortgage
New Mortgage
Buying a home in Halifax or HRM? I'll help you explore every option — from mortgage rates and lender programs to rebates and government incentives like the Nova Scotia Down Payment Assistance Program (DPAP) — so you get the right mortgage advice and the right fit for your budget.
Renewal
When your mortgage term is up, I'll help you review current rates and lender options — so you don't just default to your bank's offer — and make your renewal simple, fast, and worth your time.
Refinancing
Whether you're planning a renovation, paying down high-interest debt, consolidating loans, or simply want better terms, refinancing can help you reach your goals. I'll review your options and handle the heavy lifting so you get a mortgage that works for you.
Get started with your application now!
Whether you're purchasing your first home, renewing, or refinancing to fund a renovation, pay down debt, or consolidate loans, I'm here to help you explore every option — including down payment assistance programs and rebates — and find the mortgage that's right for you.
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
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My Mortgage Blog — Latest Posts
Bhawan Litt || September 02, 2026
The rate didn’t move. Your mortgage strategy still can.
The Bank of Canada held its policy rate at 2.25% this week, leaving borrowing costs unchanged for Canadians with variable-rate mortgages and other products tied to lenders’ prime...
Read More
Bhawan Litt || August 18, 2026
Canadian inflation reaches 3% as gasoline and travel costs rise
Canada's annual inflation rate rose to 3.0% in July from 2.8% in June, reaching the upper end of the Bank of Canada’s target range. The increase was slightly larger than economists expected and...
Read More
Bhawan Litt || June 17, 2026
Home sales rise in May as buyers return to a stabilizing market
Canada’s housing market showed signs of renewed momentum in May, with national home sales rising 5.5% from April, according to the Canadian Real Estate Association (CREA). The gain marked the first...
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Bhawan Litt || June 01, 2026
Is Canada in a recession? Economists say the answer is more complicated
Canada’s economy showed little growth at the start of 2026, raising fresh questions about whether the country has slipped into a technical recession. Statistics Canada reported that...
Read More
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Contact me! Let's get started today!

Get in touch with me today for your free consultation!

Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.