The Personal Mortgage Group - Mortgage Broker, Hamilton ON

Everyone we connected with at the Personal Mortgage Group were fantastic. Ginette especially gave us a lot of support in navigating the process to secure our first mortgage. She kept on top of interest rate hikes and was proactive in making sure we got the best rate possible. I would definitely recommend their services!

My brother and I had an absolutely amazing experience with Steve. He helped us through our first home buying experience and ensured that we felt both educated and empowered with the decision that we were making. I cannot understate how much he provided and likewise, that our needs were met. We even opted for The Personal Mortgage Group, despite a higher rate being offered, as we felt that the level of competency and care was indicative of better interest, we look forward as current customers and potentially future clients upon renewal.

Boyce is a rockstar. I have some top choice mortgage brokers for my clients and the folks at PMG are absolutely with them. The whole team really steps up and takes incredible care of all of my clients and I'm so grateful for the support they have shown me over the years!

I am so glad we chose Personal Mortgage Group for our first home purchase. Our mortgage agent, Ginette, was extremely knowledgeable, professional, thorough, and had our best interests in mind. I highly recommend Personal Mortgage Group for your mortgage needs

Can’t be happier with The Personal Mortgage Group and their years of service to my clients and myself.
Very personalized service.
Ellen
Realtor
Hamilton for 45 years.

Just wonderful. Wonderful staff, assuring, patient, understanding, and so much more. Our situation was complex and difficult but throughout the entire process we felt like we being taken care of, and our best interests were being fought for. It was a stressful process, but without The Personal Mortgage Group, we're not sure where we'd be. Highly, highly recommend!

Steve, Hannah and their team are at the top of the list of various firms that we have worked with in all disciplines. They professionally and personably helped us navigate a difficult mortgage and bridge loan. The experience would have been far different if we did not have their expertise to guide us.

Thank you Steve and Hannah, you two are excellent and a pleasure to deal with, we will tell anyone we know that needs a mortgage to contact you.

Great experience dealing with Chris during my first home purchase, he was always quick and very responsive with questions and made the process easy.

Quick review here of PMG, particularity Chris Horrocks- in hopes to acknowledge his excellent customer service and reputation. Chris makes mortgages (and all the financial details & stress that go along with it) easy. He is extremely knowledgeable, efficient and reliable. He treats each mortgage as his own, paying attention to every detail through the process. He translates the complexities and language of the mortgage world in a direct and meaningful way so that you have every opportunity to make decisions with confidence. Even during times when I had no mortgage contract though PMG he has been generous with his time and knowledge to answer questions and help me navigate mortgage territory.

Working with Steve at PMG as first time home buyers was a great experience! Steve is so thorough and kindly explained the basics to us so that we felt confident in our decisions. We appreciated that he was super responsive and had a sense of humour! We'll definitely be going to Steve at PMG when it comes to mortgage renewal time.

We worked with Boyce for our pre-approval and first home purchase. The entire process was smooth and him and his team really coached us through it all (Trasie really helped us through the documentation part!).

Boyce provided great advice along the way and kept it as light-hearted as possible, which was definitely needed at such a daunting time. He was super knowledgeable and always gave us options to consider (was never pushy!)

Definitely recommend going to The Personal Mortgage!

As first home buyers, the choice of the best lender with the right terms and conditions was the topmost priority for us.
The Personal Mortgage Group supported us with the validation of some insights we had as well as giving us great additional information that were quite valuable.
We got great support from Chris and team through the selection of the lender, application process and final closure.
The team’s support with the negotiation was excellent. The response time was superb and the team’s professionalism was top notch while answering our questions
We were really happy to work with Chris and team and will highly recommend them to anyone looking to make a great decision on their mortgage journey.

Folo and Yeti

Highly recommend The Personal Mortgage Group. Boyce explained everything really well and made the process go so smoothly.

Boyce was great to work with. He is knowledgeable, honest and provided great advice throughout the process

Boyce made buying our first home easy and stress-free. We were able to do everything remotely in the height of Covid without any hassle. Boyce is friendly and to the point. Made everything easy to understand so we could make the right decisions for our situation. Would 100% use Personal Mortgage Group again.

Chris was incredible, the service was great and he really helped us navigate the mortgage process. I would refer anyone.

Chris was referred by a friend. He provided great information and got us pre-approved for a new mortgage at a competitive rate. My current lender made an amazing counter offer that we couldn't refuse, but Chris's help gave us the leverage to make that happen. While he didn't get our business this time around, I highly recommend him.

We’ve now used Boyce 3 times to assist with our mortgage needs.
The truth is, getting a mortgage can be a bit overwhelming and Boyce not only makes it easy but is honest, explains what things mean and, talks you like you are his friend and not just another number.

I no longer live in Hamilton but I will be going back to Hamilton to visit Boyce every time I need a mortgage broker’s assistance. No question. You should too

I had the pleasure of working with Chris through my first time home buy. He did a really good job putting things into perspective and being very informative through the entire process.

Chris patiently guided this 1st-time homebuyer through all the hoops and landed a fantastic deal. Much appreciated in this seller's market!

Amazing advice from Chris! Could not have walked through tough financial decisions without his patience and guidance. Thank you so much! Highly recommended to anyone needing a mortgage!

Have been constantly impressed with Steve McKay at The Personal Mortgage group. He has a great understanding of the process from end to end and was able to structure our mortgage refinance to meet shifting needs. Will be coming back again in 5 years!

Chris Horricks has been a huge wealth of knowledge. He speaks in plain language, explaining various mortgage products in a clear and professional way. Chris was genuinily interested in my familiy's best interest as we navigated the mortgage landscape. I highly recommend his services!

Steve was incredibly helpful as we tried to get into the market as first time buyers in a terrible seller’s market. He truly went above and beyond what we expected from a mortgage broker, giving us personalized advice and strategies for each property we were interested in offering on. He's full of information, and has a lot of local knowledge about the different areas we were looking in, which was extremely helpful. With some houses, he was even able to tell us who had flipped it and whether they were reputable. When we did finally get a house, he got us a great mortgage product at a great rate. Overall, we’d highly recommend Steve and the personal mortgage group!

Working with Steve was a joy, both stress and hassle-free. He was quick to alleviate any concerns and managed all our questions throughout the entire process. It was great to have PMG batting for us in today's competitive lending climate. Highly recommended!

My partner and I have worked with Steve at The Personal Mortgage Group several times, because there’s nobody I’d rather explain to me the confusing intricacies of procuring a mortgage than him. He’s totally personable, affable and supremely knowledgeable, and you know that he has your best interest at heart when he guides you through decision-making. I am a total dingbat when it comes to finances, but Steve explains thing in a clear, accessible, not-boring way. He’s just a good, smart, kind and honest dude trying to help people make the best mortgage/financial decisions for themselves and their families, and I couldn’t appreciate him more.

We have nothing but positive things to say about the Personal Mortgage Group, and specifically, Steve McKay. We were first-time homebuyers and completely overwhelmed by all the moving parts of the process. Steve basically held our hand through the entire journey with kindness and patience, and explained all the scary terminology so clearly and thoroughly. He made sure every last detail was accounted for, even beyond the scope of what a mortgage brokerage is responsible for. Everything was done promptly and neatly, and he stayed on top of getting us the very lowest rate until the very end. Working with Steve (and everyone else we talked to at the Personal Mortgage Group) was literally the best part of this entire process, and I would not for a moment hesitate to recommend them to anyone looking for a mortgage broker.

Chris Horrocks was the epitome of professionalism when he helped me refinance my home. He was friendly, helpful, courteous, and prompt. To someone like me, for whom mortgages may as well be a foreign language, Chris was an absolute lifesaver and I can unreservedly recommend his services to anyone needing to find a new mortgage. I will certainly be coming back to him down the road when it’s time to renew.

Steve McKay - angel or just a very kind man? I'd say BOTH! My wife and I have worked with him twice now and I will definitely work with him in the future if the opportunity arises.

He was patient, kind and walked us through every step of the process. We're so grateful for all his help and YOU WILL BE TOO!

From all the places that I requested a quote for a mortgage, The Personal Mortgage Group was the best of them all! They treated me like a person and not just a client, plus they got me the best rate on the market! Ask for Chris Horrocks, he has all the experience and is readily available to help you every step of the way! If I could give 6 stars I would!

We worked with Chris from Personal Mortgage Group and he was amazing! We came from working with the banks which was confusing and convoluted. Chris took the time to explain and got us a stellar rate. Highly recommend!

We have worked with Chris on three different properties over the past 10 years. He has always been responsive, helpful and has a great way of answering questions and explaining things in a way that people who don't deal with mortgages everyday, can understand. Highly recommend!

The team at The Personal Mortgage Group helped us get a great rate on the right mortgage for our dream home. They are friendly, professional, and quick and thorough in their communication throughout the process. I can’t recommend them enough.

I honestly have nothing but good things to say about this place. Being a first time home buyer is an extremely intimidating process. Chris was extremely helpful in better educating me on the ins and outs of obtaining a mortgage. Through the entire process he was extremely transparent about what sort of value is brought to the table by going through a mortgage broker. Chris was extremely responsive, able to work with me quickly, and able to provide competitive mortgage rates.

Although I did not end up going through this broker group for my mortgage (with the crazy timeline it didn't make sense), Chris was helpful all the way through and extremely understanding of my situation.

If you're looking to get your first mortgage, I HIGHLY recommend opening the discussion with this company.

The Personal Mortgage Group is absolutely incredible. They worked with us through impossible circumstances to help my husband and I get approved for our first house. Steve went above and beyond every step of the way. I 100% recommended using them to help with getting a mortgage!

Amazing company. Always responsive, professional, courteous, and truthful, regardless of the size of your mortgage or your background. I have worked with them for more than a decade and they have never disappointed. Kudos to Chris, Boyce, Suzanne and their entire team!

My fiancée and I were looking to buy our first home together, and Steve McKay went above and beyond for us. Even though Steve couldn't help us get a mortgage, seeing as we were buying in Quebec, he still took the time to go over at length all the things we may encounter when buying our first home, and still gave us prompt, expert advice when we'd email him with a question later on. Even though we're in different provinces and Steve would receive no compensation for helping out two clueless, new homebuyers like ourselves, he went the extra mile to make sure we were confident and prepared.

We first got in touch with Steve because my brother, a self-proclaimed "Steveangelist", had only good things to say about his experience with him. Needless to say, we're now "Steveangelists" too.

Thanks, Steve!

As first time buyers (and amid a pandemic), Boyce was an extremely helpful resource through our home buying process. Even with a small budget, we felt important. Boyce’s cool, calm, and collected approach was much appreciated. This was an exciting time for us and we’ve mentioned many times since our April closing how happy we were with the service we received. Thanks Boyce!

The Personal Mortgage Group made our experience as first time homebuyers a memorable one. Chris is a true professional and the high quality value he adds exemplifies how important his clients are to his business. Additionally, ask him for his recommendation on the best Spotify playlist, this also changed our lives!

We met with Boyce at the beginning of March and still haven't heard back from him despite emailing and phoning to follow up. I guess since our budget is less than $500k our business is not worth his time. Will not be recommending to anyone.

Chris was very helpful and guided us along the way as first time home buyers, very professional with us. They help you get the proper mortgage and terms for you and not what will pay them commissions and fees - Chris was very transparent about the mortgage broker business and explained how it worked to us.

Very friendly and knowledgeable brokers. Giving you advice what's the best for you and take plenty of time to answer all the questions especially for us as first time buyers.

Fantastic group of people to work with, both professionally and personally. Boyce helped us get our mortgage, and as first time homebuyers, it was a great experience. He was very thorough, explaining absolutely everything in detail. Very responsive to emails and phone calls. Happy to say we made the right choice!

Chris has been very patient and super helpful with all my questions and inquiries. He has taken the time to have long phone conversations with me exploring all my options so far and always answers emails promptly. Highly recommend!

Met with Boyce. Also had previously spoken with two other mortgage groups. There's simply no comparison. Boyce is a friendly professional, customer service was on point, and everything was explained so it could be easily understood. I trust him and I am suspicious person by nature, so that's saying something.

My husband and I just purchased our first home this year, and we couldn't have been more thankful to Steve for getting us a great mortgage! Steve was super responsive from the get-go - as soon as we reached out to him, he was on the phone with us the same day, getting the ball rolling. On top of that, he really broke it all down for us in easy to digest terms - as first-time buyers, this was so needed and appreciated! We won't hesitate to enlist Steve's help again, and we definitely highly recommend The Personal Mortgage Group!

My wife and I bought our first home through Chris, and he was absolutely fantastic to deal with. He made us feel very comfortable, and he took his time to explain every little detail to us newbies. All around great experience and would highly recommend.

We have worked with Chris on securing mortgages for two houses now and would strongly recommend him to family and friends. When I was a first time home buyer he was helpful and patient guiding me through the process and made sure I understood and was comfortable. He was available to answer my questions, and helped me with the renewal process as well. For our most recent purchase he was so accommodating and patient dealing with what could have been a stressful and overwhelming process, and was able to juggle communication and coordination with all parties involved that were in different cities. So impressed with his service! I appreciate the services provided by The Personal Mortgage Group, including the monthly email updates summarizing the market and conditions.

Absolutely enjoyed every second of working with Chris at The Personal Mortgage Group! My husband and I heard about The PMG from a colleague, and since day 1 of interacting with Chris, we felt like we were catching up with an old friend. Chris was extremely patient with us throughout the process, and explained everything in a straight-forward and jargon-free manner. Chris always made time for us whenever we had questions or needed advice. He was so attentive and detailed-orientated and made us feel confident and well-equipped to make our decisions. We would undoubtedly recommend them to anyone!

I had been treated badly by the bank that held my mortgage when choosing to re-finance. Steve Mackay at Personal Mortgage Group was a saviour! He quickly resolved my issue and found re-financing with better terms with a different institution in a very timely fashion. I could not have been happier with his professionalism, his attention to my situation and his advice on what my choices were. I felt a huge weight had been lifted from my shoulders. Cannot recommend highly enough!

I just recently worked with Chris at The Personal Mortgage Group. The whole experience was amazing. Chris was attentive, took the time to fully explain everything, and all my options. They are so efficient, and great at what they do, I would highly recommend them!

Boyce Collins was quick to help us in a pinch. We came to him after dealing with poor customer service at a different establishment. He ran through everything we needed to know and would respond to every question thoroughly.

He even got us a better rate than our pre-approved amount on the day of closing which just shows he did not stop working for us until the job was done.

5/5 Experience.

Him and The Personal Mortgage Group will definitely be the brokerage I recommend to anyone.

Working with Boyce was such a pleasure! He gave amazing advice, even when it may not have been very beneficial for him - always giving the honest answers. Boyce was always extremely patient with us and explained every last detail of the process to us as first time home buyers. It seemed like every time I opened my email there was a message from Boyce telling us that our interest rate had dropped. We are so glad we went to the personal mortgage group!

Steve was both approachable and professional. He was flexible in meeting times, explained things in a way that non numbers oriented individuals can comprehend, and ensured we had a grasp of all aspects that were integral for this process to go smoothly. We really appreciated sitting and spending time with him discussing our options, and we also felt that the entire Personal Mortgage staff were friendly and welcoming. We are grateful he made this first time home buying feel a bit easier, and really felt like he gave his own personal touch! We would highly recommend this company, and above all Steve - he's passionate about Hamilton, earning your business and respect, and most importantly he is a genuine human.

Had a great experience dealing with Steve at The Personal. He was quick to respond to emails and set up a meeting to discuss the process with us as we were first time home buyers. I would definitely recommend him if you are looking for a broker!

This was an incredible client experience. After working with Boyce and the Personal Mortgage Group, we will never be going to a bank for a mortgage. If you're setting up meetings with bank "mortgage specialists", you need to at least take a meeting with this team. It was a no-brainer to go with them as this was one of the best customer experiences we have had, regardless of industry or product. Boyce spent countless hours answering our phone calls and questions. He walked us through the entire home buying process with great care and detail. I knew that no matter what question I had, I would get a thoughtful and personal answer. We felt well taken care of and extremely satisfied.

Excellent service and dedication from their mortgage brokers. Chris Horrocks is both informative and supportive and committed to giving clients what they're searching for. Very satisfied.

Had a great experience working with Chris Horrocks on both our first mortgage and refinance. I highly recommend him for both his professionalism, friendly manner, and ability to make you feel at ease with the whole process. We wouldn’t go anywhere else! The Personal Mortgage Group did not disappoint. Two thumbs up!