Trusted Tips and Resources

Trusted Tips & Resources

Ryan Boughen a Trusted Regina Mortgage Broker Shares 6 New Year’s Resolutions for Every Homeowner

The land of mortgages is a big one and Ryan Boughen a multi-award-winning Regina Mortgage broker with TMG The Mortgage Group, understands how confusing it can be with new rules and rates and information appearing regularly in the market. There are also dozens of lenders with thousands of mortgage products available. Each lender is unique in the types of situations they will lend on, their terms and conditions, and their best mortgage rates. Ryan Boughen is a Trusted Regina Mortgage Broker and in his first Trusted Regina mortgage tip, he shares 6 new years resolutions every home buyer should consider.  



6 New Year’s Resolutions for Every Homeowner


Lately we have been spending much more time in our homes than usual. With homes and finances at the forefront of many household conversations, here is a list of 6 things you can do to improve both your home and your finances. - Ryan Boughen - TMG Mortgage Broker

Pay Off Your Non-Mortgage Debt FIRST!

The general rule of thumb is that you should focus on paying off higher-interest debt before lower-interest debt. You may be paying a higher rate on a credit card or private student loan than on your mortgage, so you'd benefit more by paying those off early.

Don't pay so much toward the higher-interest debt that you risk defaulting on mortgage payments, though. Yes, credit cards can be expensive, and the issuer may take legal action if you default on card payments. But defaulting on mortgage payments can be an even bigger risk because you could lose your home.

Build A Realistic  Emergency Fund

Owning a home comes with a lot of responsibility and expenses, some that you can plan for in advance like property taxes, and some that just pop up unexpectedly. If you haven’t already started saving for those unexpected expenses in an emergency fund or rainy-day fund, the new year is a great time to start! Saving any amount is beneficial in case of an emergency but about 3 to 6-month’s salary is usually recommended. A high-interest savings account is a good place for your emergency fund. You’ll still be able to earn interest on your savings, and it’s not completely locked away in case you need to access the funds quickly.

For some people, work from home measures may be in place indefinitely. The lines between your personal and professional life may be blurred during this time. The best way to keep strong boundaries is by trying to maintain a similar routine to when you’re in the office. Ensure you set boundaries to limit overtime work, always take breaks throughout the day, and log off your work computer at your usual end of workday time.


Make Your Home As Energy Efficient As Possible

We live in Saskatchewan, so that means there's no avoiding heating and cooling costs, and they are only going to rise as time goes on. Whatever you can do to make your property more energy-efficient is a worthwhile investment! It also makes it more attractive when you decide to sell. 

For tech-savvy homeowners, making your home more energy-efficient with gadgets like smart thermostats or programmable LED lights can be a lot of fun! Even if technology isn’t your thing, small fixes around the house can help make your home more energy-efficient and potentially save you money too. Here are a few things to add to your list:

  • Seal all air leaks around windows and doors
  • Use cold water or energy-saving settings for washing machines and dishwashers
  • Unplug devices and appliances when not in use
  • Lower your thermostat while you’re away from home or in less used areas of your home
  • Install a low-flow showerhead
  • Opt for energy-efficient window treatments like honeycomb shades

Make Your Home A Space You Love 

Starting off the new year ( or a new week! ) in a clean, organized space is a huge mood booster. Plus, with many people working from home now, organized space can also help your productivity. While there’s no right or wrong way to declutter and organize your home, one useful method is to work by room to make the task more manageable. Look at everything you have and split the items into three piles: Keep, Donate, and Toss. Perhaps you could read Marie Kondo's book The Life Changing Method of Tidying Up, she is a Japanese professional organizer and has a simple method to declutter your life, from clothes to books to knickknacks. She wants you to answer just one simple question when it comes to any of the items in your house:

Does it bring you joy?

If you answer yes, you keep the item. If you hesitate or say no, you donate it or throw it out. It’s simple, it’s brilliant, and it’s something that's completely intuitive. 

Once you’ve decided what’s staying, you can make sure everything has a designated place so you can keep things tidy in the long run.

Start A Household Maintenance Checklist 

As with most new year’s resolutions, it’s easy to start the year off strong but as time goes on it may become more challenging. Set yourself up for success and stick to your home goals by creating a household maintenance checklist. Create a recurring calendar reminder so you never forget to take care of tasks around the house. For example, set a reminder to change your HVAC filter every three months or clean your eavestroughs twice a year. Proper home maintenance is a good way to prevent having to pay for home repairs over time.

Plan To Pay Off Your Mortgage Sooner

Depending on how much you still owe on your mortgage, the idea of paying it off may be daunting but don’t be discouraged. Even small steps now can help you become mortgage-free sooner. Start by increasing your regular payments. For example, instead of purchasing a takeout dinner, put that extra $50 towards your mortgage payment for the month. Keep that up for a year and you’ve already put an additional $600 towards your mortgage and over 5 years, an additional $3,000.

Another simple way to pay your mortgage off faster is to put any additional or unexpected income towards your mortgage. That can be anything like funds from a tax return, a bonus from work or inheritance. Before you make any pre-payments, double-check your mortgage pre-payment options with your mortgage lender so you don’t exceed your allowable limits.


Ryan and his team of Regina mortgage experts will determine what your specific needs are and then review and analyze what is the best mortgage option for you. 

Mortgage Options Offered Include: 

Get Approved On Ryan's Website Today - It Costs Nothing! 



Trusted Regina Team Welcomes Ryan Boughen A Trusted Regina Mortgage Broker

The Trusted Regina team is thrilled to brag about our newest Trusted Regina Mortgage Broker. We are thrilled to welcome Ryan Boughen TMG Mortgage Broker back to the Trusted Regina Community of business operated with integrity. 



Ryan Boughen is a Regina mortgage broker because he loves his job. 

He authentically enjoys helping individuals and families that have all sorts of mortgage needs, from purchasing their first home, downsizing and helping them with their mortgage renewals, or mortgage refinancing to lower mortgage interest rates. Regardless of the unique needs of every situation, you can trust Ryan Boughen to do his best for each and every client he works with.  

An Award-Winning Regina Mortgage Broker

Ryans work ethic, high levels of service and professionalism mean that he has enjoyed growth and success. He has been awarded TMG's Summit 5 Award for several years in a row. This is awarded to the Top 5% of mortgage brokers from across Canada!


To ensure all of his client's needs are being met in a timely manner he has built up a team to help serve his Regina mortgage clients better, so as a client you can expect to get regular check-ins from both Ryan and his wonderful mortgage client care specialist Krista. He is proud to have been part of the TMG Mortgage Group Family since 2016 and he easily adheres to TMG's philosophy of operating with the highest levels of professionalism, ethics and integrity.

The land of mortgages is a big one and Ryan understands how confusing it can be with new rules and rates and information appearing regularly in the market. 

" My team and I are here to help you navigate your mortgage journey and the best part is, we will do all the heavy lifting. 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. We determine what your specific needs are and then we review and analyze what is available and guide you along the path armed with all the information you need to be backed by us – your team of mortgage experts!" Ryan Boughen- TMG Mortgage Broker

If you’re looking for a trusted, experienced, and knowledgeable mortgage broker in Regina; Ryan is here to help. No matter what stage you are in the mortgage process. When we spoke to several of his clients as part of the unique Trusted verification process they all shared their appreciation and had nothing but great things to say about him! Read client review on his website here 

"Ryan and his team have been truly amazing to work with over the last 5 years. When we first moved to Regina we researched mortgage brokers in Regina and Ryan was an easy choice. He made our experience of purchasing our first home together so incredibly easy. The professionalism, prompt communication and all-around great conversation had us so comfortable and happy with our decision to work with Ryan. Ryan was also Incredibly helpful when we were trying to sell a property we owned. He also has been proactive when it came to us renewing our mortgage and helping us navigate the options. Both my husband and I are shift workers so Ryan was beyond flexible with meetings, phone conversations as well as completing large portions of required information by email. We absolutely recommend Ryan and his team to anyone who may be in the market for a Regina mortgage broker. You won't be disappointed " - Krista R- Regina


Mortgage Options Offered Include: 

Get Approved On Ryan's Website Today - It Costs Nothing! 

Your Best Regina Mortgage Broker

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