Mortgage Advice you Can Trust
I’m a mortgage broker working from my office in Regina serving clients across Saskatchewan. I would love to work with you! Local. Professional. Recommended.
Welcome to my website! I hope you take a few minutes to look around and explore the free resources that are here for you. My name is Ryan Boughen, and I love my job as a mortgage broker.
I enjoy helping people that have all sorts of mortgage needs, from purchasing their next home, helping them with their renewals, or refinancing to lower their interest rate. Regardless of need, it is wonderful to be able to meet new people and help them make their lives better every day.
Similar to a neurosurgeon, science teacher, or a welder, all who have specialized in their respective fields, I have specialized my business around helping first time home buyers.
Most first time home buyers have the same questions….can I get a mortgage….how much will the bank lend me….how much do I need for a down payment and where can I get it from….what about my credit, payments, etc etc. It can all be overwhelming.
When I start working with a first time home buyer (hopefully you), I will not only help you answer all of the questions you have, but we will also discover questions they didn’t know they had, so in the end there are no surprises and they are confident moving ahead with their first home purchase.
The land of mortgages is a big one. There are dozens of lenders with thousands of products available – which is great, because it gives homeowners flexibility and choice. Each lender is unique in the types of situations they will lend on, their terms and conditions, and their rates. My brokerage, TMG The Mortgage Group, provides me with all the tools, support and training I need in order to find the best fit for you, my client.
Along with my wife Natasha, and our three young boys, we live in Northwest Regina. When I am not at work, I spend my time with my young family and all of our activities, heading out to Rider games, and don’t be surprised if you find me running in the early morning hours running in Wascana Park, or at the Fieldhouse located in the shadows of the New Mosaic Stadium.
If you are looking for honest, unbiased advice from a mortgage broker in Regina and would like to discuss becoming my client, I would love to talk with you! If you are looking for a mortgage broker and don’t know me, check out what my clients have to say about me below.
Brokerage Licence #315872
Broker Licence #316340
Some of the Nice Things My Clients Have Said About Me
Ryan was absolutely amazing to deal with!
As a first time home buyer, I had no idea what I needed or what I qualified for or even what the process was. Ryan was great at walking through the process with me and answering every question I had. He never left me in the dark with anything and always made sure I knew exactly what was going on.
I was also impressed with the on-going plan to adjust my mortgage throughout my 5 year term so there are no major surprises when it comes to renewing. This puts him above the rest as with most other mortgage brokers, once you sign the papers, you don’t talk to them till it’s time to refinance!
He takes the guess work out of the home buying process. Can’t imagine using anyone else!Jennifer
We were originally working with another mortgage broker who we were very dissatisfied with. I was introduced to Ryan by an acquaintance and found him to be very knowledgeable in his approach with us as a future client.
When we came to Ryan we had a tonne of questions, all of which were very important to us, because of our previous experience with another broker. We needed to make sure Ryan was the right fit, and he was.
Ryan is a great listener and was able to provide us with several different options when it came down to choosing the right mortgage. We felt very confident in Ryan as he always did his due diligence and provided us with easy to understand explanations of each option. This made the experience that much better.
Everything about our experience was very positive. Ryan is compassionate, honest and extremely knowledgeable, and always took time to explain things so that we fully understood our options.
We are now neighbors. We live down the street in our newly constructed home beginning a new life as a new family. Thank You Ryan for all that you have done to get us to this place.Carrie & Mike
We left our big bank mortgage lender after getting a mortgage quote with better options from Ryan. He did his homework and offered us multiple options which were tailored to our specific needs. He was available for questions and help whenever we called or emailed even though we are in Saskatoon. I would definitely refer my friends and family to Ryan.Cali Miller
If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers and provide you with options that make sense to your specific financial situation and arrange the mortgage that meets your goals.
Before you go out and start shopping for a new house, you need a plan. It doesn’t matter if this is your first time buying a home or your hundredth, financial situations change, rules change, interest rates change. The best place to start is with a preapproval, so you know exactly how much buying power you have. I can help you with that.
First Time Homebuyers
If you are looking to purchase your first home, then you have come to the right place! I absolutely love answering questions and helping first time home buyers understand what mortgage financing is all about. I will walk through the process with you and make sure you feel comfortable with the details of your mortgage contract and that they meet your financial needs.
Are you looking to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property… regardless, I can discuss all your mortgage refinancing options with you! Sometimes it even makes sense to refinance your mortgage early to save money long term!
The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me so I can give you a second opinion. Never just sign the offer, there is always room to negotiate, and I am here to help you so that you don’t have to do those negotiations alone!
Obviously there are a lot more services I can offer and a lot more information I can share with you. Consider this my invitation to contact me with your questions, I would love to work with you and help you figure out a plan not only to get you a mortgage, but to help you get rid of it. Talk soon!
I Keep My Blog Up To Date So You Can Stay Informed
Over the last three years, Canadian financial blogger Sandi Martin from Spring Personal Finance has released a series of posts with her dreams for her clients in each 2015, 2016, and now 2017. It started with finding clarity, then taking ownership, and now the series...read more
Every year, Mortgage Professionals Canada (Canada's national mortgage broker association) releases a report called The Annual State of the Residential Mortgage Market in Canada. Prepared by MPC Chief Economist Will Dunning, the report is a collection of surveys that...read more
As you may well know, the Canadian government has recently made some changes to how Canadians qualify for insured mortgages. They have instituted what is being called a “stress test” for your mortgage. Here is a good explainer video that does an excellent job of...read more
No big shocker here, in the final rate announcement of 2016, just as every economist in the country predicted, the Bank of Canada announced this morning that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per...read more
Some of My Lender Partners
Give me a call or send a message through my contact form, either way, I look forward to connecting with you!
Contact Me Anytime!
206, 4303 Albert St, Regina, SK S4S 3R6
TMG The Mortgage Group Prairies Inc.
Come in for a Coffee!
Brokerage Licence #315872
Broker Licence #316340