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Compare and Find the Best Mortgage Rates in Quebec
Get access to the most competitive mortgage rates through our broker network. Secure a fast pre-approval, compare refinancing offers, and let our experts negotiate the best terms for your home loan.
Thanks to their broker, we got a much lower rate and saved thousands of dollars. The process was fast and stress-free.
The broker compared multiple lenders and negotiated for us. Result: an unbeatable rate. Highly recommended.
Personalized and efficient service. We found the perfect mortgage in just a few days.
Why Work With a Mortgage Broker ?
Working with an independent mortgage broker allows you to quickly compare rates and terms from multiple financial institutions. Our certified brokers help you secure a mortgage pre-approval, negotiate a renewal, or plan a smart refinance. The result: a better rate and significant savings on your loan.
Comprehensive Mortgage Brokerage Services
Our mortgage brokers support you at every stage of your journey: fast pre-approval, first-time home purchase, mortgage renewal, refinancing, or debt consolidation. Benefit from a free evaluation and personalized guidance to secure the most competitive rates on the market.
The Advantages of Our Brokers
Our independent brokers know the market and negotiate to reduce your costs. Whether you’re a first-time buyer or renewing your mortgage, we find the solution that fits.
What is a mortgage pre-approval and why is it important?
A mortgage pre-approval gives you a clear idea of your borrowing capacity and allows you to shop for a home with confidence. Our brokers quickly secure your pre-approval from multiple lenders.
Can I get a better rate through a broker than directly with a bank?
Yes. Mortgage brokers compare multiple lenders and often have access to exclusive offers not always available at bank branches.
How long does mortgage approval take?
On average, mortgage approval takes 24 to 72 hours depending on the complexity of your file. Our brokers speed up the process by preparing all required documents.
Can I refinance my mortgage to lower my monthly payments?
Yes. Refinancing allows you to renegotiate your interest rate, extend your loan term, or consolidate debts to lower your monthly payments.
What documents are required for a mortgage application?
Lenders usually require proof of income, bank statements, credit history, and details about your down payment.
Can I get a mortgage with a minimum down payment?
Yes, in Canada, it’s possible to get a mortgage with as little as a 5% down payment on homes under $500,000. Our brokers guide you based on your situation.
How can I improve my chances of getting a better mortgage rate?
A strong credit score, a larger down payment, and stable income improve your chances of getting a lower rate. Our brokers advise you on the best strategies.
What is the difference between a fixed and a variable rate?
A fixed rate remains unchanged for the term, offering stability and predictability. A variable rate can fluctuate with market conditions, sometimes more advantageous but riskier.
Can I transfer my mortgage if I move?
Yes, many lenders allow you to transfer or “port” your existing mortgage to a new property. Our brokers explain your options.
Can a mortgage broker help if I have bad credit?
Yes, our brokers work with various lenders, including those specializing in higher-risk files. They can find tailored solutions even if your credit is less than perfect.
How do I calculate my mortgage amount?
Our brokers use your income, down payment, and current rates to calculate your budget. Fill out our form for a free estimate.
What are the benefits of renewing with a broker?
A broker compares the best offers, negotiates favorable terms, and helps reduce your payments.
How can I find the best mortgage broker?
Our platform matches you with certified brokers based on your specific needs. Simple, fast, and effective.
What are the fees for a mortgage broker?
In most cases, you don’t pay direct fees. Brokers are compensated by lenders.
Why compare mortgage rates?
Comparing rates can save you thousands of dollars over the life of your loan. Our brokers find the best deals.
What’s the difference between a broker and a mortgage agent?
A broker is independent and compares many lenders, while an agent often works for a single bank.
