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Tania Discombe

Tania Discombe

Mortgage Associate

Specialties: Residential Mortgages, Reverse Mortgages, Alternative Lending, Self Employed, First-time home buyer, Bad Credit, New canadian
Languages Spoken: English

About Me

About Me

Having worked in the financial services industry for over 21 years has earned me an enhanced level of experience. One key ingredient to my success is the ability I have to effectively look after my client's unique needs. I take the time to get to know them and educate them on the process. I use proven strategies to place them in the right mortgage product while negotiating the best possible deal for them every time. My clients appreciate my professional assistance and value my expert advice. They feel comfortable knowing I am looking after every detail.

Providing residential financing for Investors, Business For Self Borrowers and 1st Time Homebuyers.  We have programs for Creative Financing, Rent To Own, New To Canada, Home Improvements, Purchases and Refinances.  Need to do a debt consolidation loan?  I can help with that.  Looking at buying a cottage?  Talk to me.


Sherilyn & Ariel reviewed Tania Discombe, AMP - Mortgage Alliance
Patient, kind and understanding - Tania is exactly the type of person you want working on. We would never work with anyone else! We are very thankful for Tania Discombe professional, responsive and honest assistance with the whole mortgage process from beginning to end. We had a VERY good experience. It was so fast, easy and we had a very smooth transaction. Paperwork/ documents moved quickly. Any questions that we had were answered promptly. She also did a good job on responding back to our various queries over email and, maintained active contact over the phone. We'll definitely Recommend to our friends and family.


Karmen L. reviewed Tania Discombe, AMP - Mortgage Alliance
Great education and follow up to questions about the mortgage process - would recommend.


Grges M. reviewed Tania Discombe, AMP - Mortgage Alliance
Always a wonderful experience working with Tania. We won't go anywhere else.


Bonnie N. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania was thoughtful, supportive, knowledgeable, and responsive during my move. I highly recommend her services.


Bruce M. reviewed Tania Discombe, AMP - Mortgage Alliance
It has been a pleasure working with Tania. She is professional, helpful, knowledgeable and can be counted on the respond quickly 100% of the time.


Jennith S. reviewed Tania Discombe, AMP - Mortgage Alliance
Working with Tania has been such a wonderful experience. I was very weary and scared in getting a new property just from my previous experience. She made my husband and I feel very comfortable. She explained everything to us and I felt very supported throughout the process. I needed my hand to be held and she did just that knowing I was very anxious. She is very patient and very gracious with her time. She is very thoughtful too, she remembered my hubby's bday and she sent a card.100% recommended


Christine P. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania was a pleasure to work with from the beginning of the process. She was very responsive and accommodating to my needs and requests for finding a new lender. There wasn't a moment where I felt that Tania was anything less than capable to handle my situation as there were a few nuances. She is very knowledgeable when it comes to different mortgage types from different banks and I never felt pressured to commit to her services. I would highly recommend Tania as a mortgage broker to others.


Venkatesh V. reviewed Tania Discombe, AMP - Mortgage Alliance
Overall very good experience with mortgage and refinancing as well. Very prompt, patient and thorough. Understands the constraints and works with it. Highly recommend, my friends also had a good experience.


Dinko C. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania came late in the process of us buying a house but worked quickly to give us best offer and advise on the mortgage product. Process was completed quickly and we had visibility to all steps along the way. I would definitely recommend Tania and her group to friends and family looking for mortgage.


Wendy S. reviewed Tania Discombe, AMP - Mortgage Alliance
This is our second time dealing with Tania. She has always been outstanding. She clearly explained every step of the process and happily answered all our questions. We really enjoy working with Tania and will continue to bring our business to her, as well as refer our friends and family if they are looking for a Mortgage Broker.


Geoff G. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania put me at ease. It was a stressful time for me qualifying for a mortgage but she made it happen. She went above and beyond to make sure I was happy with my choices. I would recommend her services over and over again. Thanks Tania


Valerie & Jason reviewed Tania Discombe, AMP - Mortgage Alliance
Tania had many challenges to overcome in securing a Mortgage for us. She did a great job and I highly recommend using her to obtain or refinance yours


Karissa P. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania is always super helpful and goes above and beyond to make the whole process as easy and seamless as possible.


Steve P. reviewed Tania Discombe, AMP - Mortgage Alliance
Very professional and easy to work with. Thanks Tania.


Andrew & Stephanie reviewed Tania Discombe, AMP - Mortgage Alliance
Extremely helpful and a pleasant experience


Fraser R. reviewed Tania Discombe, AMP - Mortgage Alliance
Truest a pleasure to deal with. You made me feel so at ease with the entire buying process. It is obvious that you truest care about your clients! Thanks for everything.


Estelle H. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania was an absolute joy to work with when we were acquiring our mortgage. She was always available to answer our questions no matter how trivial they may have been. Thanks again for all that you did.


Don H. reviewed Tania Discombe, AMP - Mortgage Alliance
Excellent Great Person Informing Knowledgeable.. Again Informed:-)


Amber P. reviewed Tania Discombe, AMP - Mortgage Alliance
I got recommended Tania from my neighbour who said she was amazing. I was skeptical at first however her services was great, she met where was convenient and close to myself and worked around my schedule it was great. She got me a great rate after a complication on documents through another bank, she was on the ball and met the dead lines. Thank you so much Tania, we absolutely love our forever home!


Donovan P. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania very knowledgeable and helpful made the process went smooth will continue doing business with her.


Gary C. reviewed Tania Discombe, AMP - Mortgage Alliance
Polite. Professional. Patient. 


Melanie K. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania is a great mortgage broker to work with! She is very helpful, prompt, and trustworthy. We would highly recommend her to anyone who is seeking a mortgage broker.


Aletta R. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania Discombe is kind, professional and very knowledgeable. She helped my husband and I with our first mortgage and she was a pleasure to work with. She is prompt in responding to emails and returning phone calls, and is always honest and clear with information. She puts obvious time and effort into explaining everything you need to know. I would highly recommend Tania as a mortgage consultant. My husband and I had an excellent experience with her! - Aletta Rico, Calgary AB


Elena G. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania is very knowledgable , she is always available to answer any questions I have had. I would not use anyone else.


Nadeem S. reviewed Tania Discombe, AMP - Mortgage Alliance
I have know Tania since 2008. She is a very professional person and goes out of her way to help her clients. I have referred her to family and friends and all have been impressed by her professionalism. Would love to do business with her again.


Trisha W. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania has helped us multiple times with obtaining new mortgages and renewals. She has always been helpful answering all of our mortgage questions, getting us the lowest rate possible, and made the processes as quick and painless. Thanks Tania.


Brian S. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania Discombe did a great job. Very helpful, and readily available to answer all questions we had.


Julia T. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania was very helpful when it came to us purchasing our first home as well as renewing the mortgage 5 years later. I didn't know much about how things worked so she made it very easy and helped out a great deal. Will definitely be using her in the future when we purchase another property. Thanks Tania!


Mike T. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania is always very helpful and willing to answer any of my questions or concerns!


Sara L. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania is a fantastic mortgage broker. She's incredibly helpful, and always willing to answer any questions I've ever had. I've used her services multiple times and would never hesitate to use them again, or recommend them to anyone!


Jill R. reviewed Tania Discombe, AMP - Mortgage Alliance
Very professional and enjoyable.


Kevin A. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania did a great job for us especially when we were so far away from Airdrie.


Adriana V. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania is very professional and knowledgeable. She made all the arrangements and my mortgage experience very easy. She was always available to answer any questions. I wI'll be getting in touch with Tania again, once it is time to renew my mortgage because I know, she has my best interest in mind.


Sylvia G. reviewed Tania Discombe, AMP - Mortgage Alliance
Excellent customer service went above and beyond! Thanks Tania!


David Y. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania was knowledgeable and professional. I wouldn't hesitate to recommend her.


Michelle L. reviewed Tania Discombe, AMP - Mortgage Alliance
I there, We used Tania for our home purchase three years ago and she was amazing! We had no issues and she helped us make our first home purchase an enjoyable one! We would recommend her service to anyone! Thank you.


Ashleigh Y. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania was very informative and organized!


Emily S. reviewed Tania Discombe, AMP - Mortgage Alliance
We have worked with Tania for almost ten years now and we are always grateful for her commitment, professionalism and personal care in helping us find the best mortgage rates. She will always be our first call when we have a mortgage renewal or when we buy a new home.


Tammy W. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania has been outstanding, she has helped me out so much on things I thought wouldn't be possible on my own. I would highly recommend her and I will be recommending her through anyone I know.


John B. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania was wicked! She helped me get a mortgage to buy my first ever home. I would recommend Mortgage Alliance, and Tania in particular to anyone looking to get a mortgage.


Jazmine M. reviewed Tania Discombe, AMP - Mortgage Alliance
Tania was knowledgeable and a joy to work with; we would recommend her to anyone!







4 reasons why it's smart to use a Mortgage Alliance pro

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Borrowing money is harder for many self-employed Canadians. While there is broad recognition that self-employed Canadians are reliable borrowers, it may be difficult to navigate the mortgage process and the different options available specifically for this group. We can help turn the tables. These individuals may run their own businesses, or work in a profession where the main source of their income is predominately capital gains, a form of income that is generally not considered by most “A Lenders”.

We work with self-employed homebuyers every day and understand the challenges that they may face when arranging a mortgage especially with no standard proof of income. Our brokers are experts when it comes to mortgage solutions and have access to multiple options, including mortgage products designed specifically for self-employed Canadians. They can pinpoint which lenders have more favourable terms and requirements and advise you on how you can improve your options to get the best possible rate and terms.

The more complex your mortgage situation, the more sense it makes to use an experienced mortgage professional who can help simplify the process and help you achieve both your short-term objectives and your long-term financial plan. Most of all, they allow you to stay focused on your business, alleviating the burden of many time-consuming and frustrating tasks and meetings associated with securing a mortgage and will also work around your busy work schedule. Many will even travel to your work site if required to make the transaction as convenient as possible for you.

Remember, that independent mortgage professionals work for YOU, not the lenders or banks, so you can rest assured that their advice is unbiased and in your best interest when it comes to finding the right lender and right product to meet your needs. Find out what your options are, give us a call.

First-time home buyer

Here’s to buying like a pro the first time!

Buying your first home is one of the most important financial decisions you’ll ever make and getting the right advice from a mortgage professional is a great way to start.

Before you start looking for your dream home, your Mortgage Alliance professional can help you find out how much you can qualify for so you can shop with confidence. They’ll explain the process and even assist in getting you a mortgage pre-approval so you can take advantage of today’s low rate environment by locking in today’s rate for you for a set period of time, typically 90 to 120 days.

Understanding your down-payment options is important as you get ready to buy your first home. This is right time to consult with your mortgage professional who can explain the requirements and options available to first-time buyer only when it comes to down-payment. Generally, the min down-payment required depends on the purchase price with the min being 5% down. For homes $500,000 and under 5% down is the min required. For homes over $500,000 but less than $1 million, you need 5% down-payment on the first $500,000 and 10% for any amount over that. If your purchase price is $1 million or more, a minimum 20% down-payment is required. Mortgages with less than 20% down are subject to default insurance which is usually added to the mortgage amount.

At Mortgage Alliance, we work with over 60 lenders from major banks to private lenders. Your mortgage professional gives you access to multiple lenders and finds the right mortgage for you with only one application. They help you navigate the process, explain your options and present you with mortgage solutions that best meet your need. Having the right combination of mortgage features, privileges and rate is key. The right mortgage goes beyond just the rate--it's important to also consider term, prepayment options, refinancing penalties, restrictions, and fees.

Your mortgage professional will not only find the right mortgage for you but also provide strategies to help you pay your mortgage off faster and shave thousands off interest costs in the process.

Reverse Mortgages

If you’re a homeowner over the age of 55 and want to tap into your home equity, a reverse mortgage can be the right solution for you. A reverse mortgage is also known as an “equity release”. With a reverse mortgage, you can access up to 55% of the equity in your home tax-free as a lump sum or monthly cash deposits. The maximum amount you are able to borrow will depend on your age, your home’s appraised value, and our lender. No mortgage payments are required and you maintain ownership of your home. Repayment of the loan and interest is only required once you move or sell the home. At the end of your loan term, you may have less equity in your home. If you don’t make any payments, which is fine, you may have a larger interest payment to make when the home is sold.

A lender will often ask you to consult a lawyer prior to giving you a reverse mortgage to ensure you understand the conditions of the mortgage. The lender can never force you to sell your home to repay the reverse mortgage. It is also important to note that all existing loans on the property, including a mortgage or a home equity line of credit must be paid off prior to getting the mortgage.

Whether you’re looking for a financial cushion to live comfortably, funds to cover monthly expenses, pay off debt, renovate or fund your children’s education, you can use the funds from a reverse mortgage in any way you want without restrictions! What’s more, is if the home goes up in value, it doesn’t affect the reverse mortgage, meaning that all equity gained is yours! Lastly, you can get out of a reverse mortgage at any time by paying off the loan and any interest accrued.

Have a discussion with your mortgage professional to find out if a reverse mortgage is the right solution for you.

Bad Credit

Your credit history is integral when it comes to the mortgage approval process because that history is a reliable indicator of how you will manage your mortgage and your finances in the future. Your credit score is calculated using information in your credit report including your payment history, how much debt you’re carrying and the length of your credit history. Lenders use the score to helps determine the risk and your creditworthiness when you apply for a loan. Credit scores above 660 are generally considered good, very good, or excellent. These individuals receive lower rates, and can get loans easier than those that do not fit into this range.

Those with less than average scores or with lower scores who fall into the “poor” credit range may face higher interest rates, difficulty getting better loan terms or qualifying when applying for a mortgage. Buyers with poor credit may have to put down a larger initial down payment or require a co-signer to be able to qualify for the mortgage they need to get into their dream home.

Your mortgage professional can review your situation and coach you on how best to improve your credit over time. That's why it's a good idea to talk to a mortgage broker as soon as you can. As your good credit history becomes established, your borrowing options will increase. If you wish to get a mortgage while you work on bettering your score, we can help!

At Mortgage Alliance we are committed to helping Canadians realize their dream of home ownership. Our brokers have access to many lenders, from banks to private lenders, and a multitude of mortgage solutions. Even if you have poor credit, you have options and our brokers will work with you to find the right solution that best meets your needs. Call for a free consultation.

New To Canada

If you’re new to Canada and looking to buy a home of your own, we are here to help get you there sooner!

As you transition from renter to owner, seeking the advice of a mortgage professional is a smart move that can help make the transition easier. Your Mortgage Alliance professional will help streamline the mortgage process for you, explain the requirements and present you with the options available to you. If you have any questions, your mortgage professionals is there for you every step of the way.

Generally, the most important factors for new to Canada financing are credit history, and down-payment.

It is a good idea to start establishing credit in Canada as soon as you can. Not everyone may be where they need to be when they first meet with a Mortgage professional. Your Mortgage professional can take the time to coach you on what you can do to help build your credit. If you do not have established credit, they can show you have built credit by providing specific supporting documentation such as a credit report from your country of origin, proof of rental payments, proof of utilities payments, proof of income and others. In terms of the down-payment, a five percent of the purchase price is the minimum although a larger down payment may be required. If you are a non-resident, a 10% down-payment be be required. It is also important to remember that homes over $500,000 require 10% for every dollar between $500,000 and $999,999. Any mortgage over 1 million dollars will require 20% down payment.

Mortgage professionals also work with a large range of lenders and products, which makes them more likely to be able to find the right solution for your situation.

You can rely on your mortgage professional to help outline all the requirements and advise you on the paperwork you need to assemble to apply for a mortgage. Call for a consultation or to get the process started.

Alternative Lending

With the ever-changing market and a stricter stress test, many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions “A-Lenders” and are turning to alternative lending solutions for their mortgage. At Mortgage Alliance we work with many alternative lenders, who can offer excellent mortgage options with more flexible criteria and more lenient qualification requirements.

Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years being self employed.

These lending solutions are also a good option for those with lower credit scores. While the rate they offer is slightly higher than what you will see posted by an A-Lender, they are nothing out of the ordinary when compared to traditional rates posted in Canada. They also generally have shorter terms, meaning that you can get into the home of your dreams while being able to rebuild your credit at the same time.

Buyers who don’t qualify under the mortgage stress test can also take advantage of the expanded debt service ratios allowed by alternative lenders to qualify for a mortgage and get into the home of their dreams. If you have a very unique situation, we also have access to various private lenders who are even more flexible and lenient in requirements and may be able to offer you mortgage options that fit your situation. In today’s environment, we’re seeing more private lenders helping Canadians with their mortgages.

Call your Mortgage Alliance professional to find out about the different options available to you. They are experts when it comes to mortgage products and different solutions and will provide you with unbiased advice. They work for you, not the lender.

Today's Mortgage Alliance Exclusive Rates

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  1. 3.09%
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  2. 3.79%
    3 year fixed
  3. 4.14%
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  4. 4.44%
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