Mortgage solutions designed for every project
Benefit from end-to-end support to secure financing that fits your reality, ambitions, and timelines.
Access to more than 25 lending institutions
Tailored solutions for every buyer profile
Human guidance from the first call to closing
What you get
A clear plan to buy, renew, or refinance without stress
Qualified pre-approval with advice on your down payment.
Rate monitoring and proactive renegotiation when the market shifts.
A Multi-Prêts team simplifying every step
Fast pre-approval
We review your file and lock a competitive rate in under 24 hours so you can shop with confidence.
Personalized strategies
Optimise your file with recommendations tailored to your down payment, goals, and timeline.
Proactive follow-up
Our team monitors the market and adapts your strategy to benefit from rate movements.
Mortgage pre-approval — the essential step before buying
With a pre-approval you refine your search, avoid surprises, and negotiate with confidence. Équipe Premium quickly identifies lenders who welcome your profile and helps optimise your borrowing power.
- Continuous analysis of your file to direct you toward lenders that truly match your criteria.
- Guidance to gather the right documents and present a spotless file.
- Strategies to protect your credit score while comparing the best options.
Frequently asked pre-approval questions
Once you know how much you can borrow, you can refine your search and avoid considering homes outside your budget. You also learn which lenders are most likely to approve your loan.
Most lenders lock your rate for up to 120 days. During that period your broker watches the market so you can benefit from a lower rate if conditions improve.
Your Équipe Premium broker limits unnecessary enquiries. They know which institutions to approach for your profile, helping protect your credit score.
Pre-approval is not definitive: job changes, divorce, or new debts can alter the final decision. Your broker will adjust the strategy if required.
Your Équipe Premium Multi-Prêts broker guides you through 5 simple steps
From preparing your file to the final signature, we stay by your side to make every decision clear.
Step 1: identify your lender
Step 1 content.
Step 2: prepare your file
Step 2 content.
Step 3: validate your borrowing power
Step 3 content.
Step 4: submit your application
Step 4 content.
Step 5: choose the best offer
Step 5 content.
Pre-qualification: get a head start
Think about pre-qualification as soon as you are ready to begin your search. This simple, fast step gives you an estimate of your borrowing power and prepares you to negotiate effectively.
- Get a clear picture of how much you can borrow before you start shopping.
- Lock your rate months in advance to protect yourself from increases.
- Strengthen your credibility with sellers and save time at offer stage.
Multi-Prêts tools help you estimate borrowing power, but a pre-qualification letter strengthens your file and reassures sellers.
Pre-qualification can freeze your rate for up to 6 months. If rates drop, you still benefit from the better conditions.
With Équipe Premium you anticipate every step. We prepare your documents and guide you right through to closing.
How do I secure a mortgage loan?
Most home purchases involve a mortgage. Équipe Premium handles the paperwork, centralises the documents, and spares you the back-and-forth with lenders.
I want to buy
Plenty of documentation to gather
- Recent pay stubs or federal/provincial tax assessments.
- Your credit score and debt ratios.
- Property appraisal and purchase agreement.
The application itself
Lenders have you complete a full application and may request extra financial details before issuing an approval — or a decline. Your broker makes sure your file meets expectations.
Signing the commitment
Before the final signature, the lender may require additional details about the property. Once satisfied, they sign the commitment so you can close the transaction.
Renegotiate your mortgage to your advantage
When your mortgage comes due, you can revisit the rate, adjust payments, and adapt your strategy to your current reality. Équipe Premium helps you negotiate and compare competitive offers.
- How will I know my mortgage is up for renewal?
- What happens if I ignore the renewal notice?
- Life changes that may impact your ability to pay.
- Competition works for you: compare before you sign.
Questions to ask at renewal
Should I make extra payments? Do I shorten the amortisation? Do I need a fixed or variable rate for the next few years? Your broker helps you find the best combination.
Your property: the key to reaching your goals
Refinancing lets you borrow at lower rates to pay off debt or fund projects. Your broker analyses options, potential penalties, and whether refinancing makes sense for your situation.
- Complete major renovations.
- Purchase a recreational vehicle or major equipment.
- Expand your home or finance a rental property.
- Start a business or consolidate high-interest debt.
Refinancing before the end of the term may trigger penalties. Équipe Premium compares the costs with other financing solutions to confirm whether the move remains worthwhile.
You can refinance up to 80% of your property’s market value — whether it’s a house, cottage, condo, or plex.
Multi-unit financing: solutions for larger projects
We understand that multi-unit projects are complex and require specialised financing. Our team helps you build a strategy tailored to your portfolio and return objectives.
We assess the economic value of the property, build a robust file, and negotiate across a wide network of lenders to secure the ideal terms.
Need to speak with a mortgage expert?
Share your details and a member of Équipe Premium will call you back shortly to discuss your project.
100% free service — response in under 24 hours.