From private lending to licensed mortgage agent — here's how Tim got here, and why he does this work.
Tim Murray is a licensed mortgage agent with Sherwood Mortgage Group, having earned his license in February 2025. Before stepping into this role, Tim worked as a private mortgage lender, where he discovered just how much he enjoyed helping people navigate one of the biggest financial decisions of their lives.
That passion became personal when his own kids and their friends started entering the housing market. Watching them try to make sense of the mortgage process — often with very little guidance — showed Tim how much of a difference clear, patient education can make. It's why he got into the business, and it's still what drives him today.
Tim specializes in working with first-time homebuyers and self-employed borrowers, helping them understand their options and find a mortgage that actually fits their real financial picture — not a one-size-fits-all approval. Whether you're buying your first home or navigating the unique challenges of qualifying while self-employed, Tim's goal is the same: make the process clear, honest, and stress-free.
You should understand every option in front of you — not just be told what to sign.
A mortgage is a big decision. I'll give you honest advice and the space to make the right call for you.
Especially for self-employed clients — I look beyond a single number to understand how you actually earn.
You'll always be able to reach Tim directly — not a call centre or a rotating team.
Tim is licensed and operates under Sherwood Mortgage Group (Brokerage License #12176), a Toronto-based brokerage founded in 2008. This means clients get the best of both worlds: a direct, personal relationship with Tim, backed by an established brokerage's network of 50+ lending partners.
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