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TMG The Mortgage Group Canada Inc.

WHo we Are

Bringing decades of combined expertise to support your goals with personalized guidance, transparent communication, and a seamless mortgage experience designed around your needs.



Christine Cooper

Commercial & Residential Mortgage Broker

Christine brings over three decades of financial expertise, including extensive experience in commercial lending, residential mortgages, and personal financial planning. She is known for her strategic approach, clear communication, and ability to simplify even the most complex financing. Christine ensures each client receives tailored guidance and a seamless experience from start to finish.



Byron Horbay

Unlicensed Associate – Administrative

With a background that includes eight years in financial services and a 30-year career with Kingston Fire & Rescue, Byron brings exceptional organization, leadership, and attention to detail. He supports the mortgage process through document coordination, follow-ups, client communication, and financial analysis preparation. His steady, professional approach helps keep every file on track.

Outside of work, Byron enjoys spending time outdoors, and stays active through regular gym training and weightlifting.


Together, Christine and Byron offer a streamlined, client-focused experience — one team, working in sync to make your residential or commercial financing process smooth and stress-free.