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TMG The Mortgage Group Canada Inc.
Qualified Advice
We genuinely care about our clients and want what is best for them. We have over two decades of experience in the mortgage lending industry. This, combined with our access to a wide range of financial Institutions, ensures you are getting not only the best rate, but terms and conditions that best suits your unique financial needs as quickly as possible. Creative financial solutions are our specialty!
  • Negotiation
    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.
  • Your optimal situation
    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.
  • Mortgage Customization
    All mortgages are not created equally, and depending on your financial goals, I will ensure the mortgage you receive helps you with those goals. Whether borrowing to purchase, renovate, or make your mortgage interest tax deductible, I can ensure that the mortgage you have helps achieve these financial goals. 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.
Why Should You Use My Services?

With more than 20 years of experience in the mortgage and lending industry, Dan Miller has helped current and future homeowners across Canada achieve their homeownership and financial goals. Known for his client-focused approach and extensive lending expertise, Dan is passionate about understanding each client's unique needs and providing tailored solutions that support long-term financial success.

Dan earned his Mortgage Broker License through the UBC Sauder School of Business and began his career in 2000 as a Mortgage Specialist with a local Victoria credit union. After five years in retail lending, he transitioned to a national wholesale mortgage company as a Senior Mortgage Underwriter, specializing in credit rebuilding, debt restructuring, and helping clients regain access to traditional financing options. In 2010, Dan pursued his entrepreneurial vision by launching his mortgage brokerage, which later became Miller Mortgages Ltd.

Over the past fifteen years, Dan has built a reputation as one of British Columbia's most respected mortgage professionals. His commitment to excellence has earned him numerous industry accolades, including being named The Mortgage Group's (TMG) BC Broker of the Year – Units for three consecutive years. He has also received TMG's prestigious Summit 5 Award for nine consecutive years, recognizing him among the top 5% of mortgage producers across Canada. In addition, Dan was selected as an Excellence Awardee Finalist for Broker of the Year (Regional – BC) at the Annual Canadian Mortgage Awards in both 2023 and 2025.

Born and raised in Victoria, British Columbia, Dan possesses a deep understanding of the local real estate market and the unique challenges and opportunities facing homeowners in the region. His lifelong connection to the community, combined with his strong relationships within the lending industry, allows him to provide exceptional guidance and support to his clients. Dan firmly believes that outstanding service begins with surrounding himself with a team of dedicated professionals who share his commitment to integrity, customer care, and delivering exceptional results.

Today, Dan continues to lead Miller Mortgages with the same principles that have guided his career from the beginning: putting clients first, providing expert advice, and helping Canadians build a stronger financial future.

Miller Mortgages: Mortgages Made Easy
Purchases & Purchase-Plus
Need a new mortgage? I'll help you pick the right fit for you and your budget.
Renew, Refinance, Switch or Transfer
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
Other Services
Construction Mortgages, Home Equity Line of Credit, Mortgage Pre-Planning, Pre-Approvals, Private Mortgage Opportunities
Get started with your application now!
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
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...
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Canada's housing market began the year on a soft note, with home sales falling 5.8% from December, according to the Canadian Real Estate Association (CREA). Compared to January 2025, sales were down...
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Rates on hold as the Bank of Canada waits for clearer economic signals
The Bank of Canada held its key policy rate at 2.25% today, a decision that came as no surprise to markets and economists. More importantly, the Bank signalled that it isn’t in a rush to move...
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Canada closes 2025 with balanced market conditions as December sales soften
Canada’s housing market lost some steam in December, closing out 2025 on a quieter note. Home sales fell 2.7% from November, according to the Canadian Real Estate Association (CREA). Compared to...
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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.