Thank you, we received your request. A broker on the team will get back to you shortly.
Mortgage brokers · Montréal and across Quebec
The right mortgage terms when you're buying refinancing renewing
Renewals are our specialty. We hold your current lender's offer up against 30 others — before the rate shock lands.
Where are you at?
More than 20 brokers
More than 30 lenders compared
One single meeting
About the team
A team, one same reflex :
read your file before talking rates.
Our mission is to find the best mortgage conditions for you. In a moving market, we analyze your needs well beyond the rate and our advice is tailored to your situation. In just one appointment, we shop for you with more than 20 lenders: you have access not only to financial institutions with storefronts but also to several other lenders you wouldn't otherwise have access to. Our services are free* and we work in your best interest: our priority is you. * Residential mortgages.
Équipe Premium Multi-Prêts · Residential mortgage brokerage, across Quebec
Our brokers answer the questions that come up most often on video and welcome guests in the Financièrement Vôtres series. We also work hand in hand with a network of partner real estate brokers.
20+
Brokers on the team
30+
Lenders compared
12
Specialists featured here
Our lenders
Banks, credit unions, alternative lenders: one meeting, and your file is shopped with more than 20 lenders.
Access to lenders that deal with brokers only
Have my file reviewed
Frequently asked
The questions we hear every single week
No jargon, no hidden fine print. Clear answers first, then a call if you want to dig into your own file.
See every question01 What exactly is a mortgage pre-approval?
A pre-approval is a preliminary assessment of your borrowing capacity. It gives you a maximum amount you can borrow and a rate held for a set period, usually 90 to 120 days.
02 What is the difference between a fixed and a variable rate?
A fixed rate stays the same for the whole term, which keeps your payments stable. A variable rate moves with the Bank of Canada policy rate: it can work in your favour, but it carries more risk.
03 How much of a down payment do I need?
In Canada, the minimum down payment is 5% on homes under $500,000, 10% on the portion between $500,000 and $1M, and 20% on homes above $1M. We can help you look at your options.
04 When should I start working on my renewal?
Pull out your contract and find your term’s maturity date. Reach out several months ahead: that leaves time to review your file and weigh your current lender’s offer against the others before the deadline catches up with you.
05 Why are your services free?
Our services are free* and we work in your best interest: you come first. In a single meeting, we shop your file across our lenders, including several you could not reach on your own.* Residential mortgages.
Your situation doesn’t match any of these answers? That happens often. Just ask us directly.
Buy · Refinance · Renew
Three situations, one method
We always start from your file, never from a product to sell. You decide, we negotiate.
Pre-approval
Buy with your file in order
We confirm what you can borrow before you fall for a place. You visit with a real number in hand, not a rough guess.
What buyers ask us
Talk to a broker
What does a pre-approval actually lock in?
A maximum borrowing amount and a held rate for a set period, usually 90 to 120 days. Final approval also depends on the property you end up choosing.
How much down payment do I need?
In Canada the minimum is 5% under $500,000, 10% on the portion between $500,000 and $1M, and 20% above $1M. Then we look at where the money comes from.
Do your services cost me anything?
Our services are free for residential mortgages. We shop your file with more than 20 lenders and work in your interest.
Cost analysis
Refinance with the math done
Renovations, debts to bundle, a project to fund: we price the option with its costs, not just its rate. If it isn't worth it, we say so.
What owners ask us
Have my file reviewed
Can I refinance before my term ends?
Often yes, but breaking a term comes with a penalty. We get it calculated by your lender and weigh it against the expected savings before moving.
How much equity can I pull out?
It depends on the lender's retained value, your loan balance and your income. We give you a number once those three are confirmed, not before.
What does consolidating debts change month to month?
One payment instead of several, and often a lighter monthly amount. We also look at the total paid over time, not just the monthly figure.
Before maturity
Renewal is our specialty
The offer your lender mails you is rarely the best one — it's the easiest one for them. We compare it, negotiate it, and open your file well before maturity.
What renewers ask us
Prepare my renewal
When should I start looking at my renewal?
Several months before maturity. A file opened early leaves time to compare and negotiate instead of signing under pressure the day before the deadline.
Do I have to stay with my current lender?
No. At the end of your term you can transfer to another lender. We check the transfer's costs and conditions before recommending anything.
Fixed or variable for my next term?
Fixed keeps the same payment for the whole term. Variable follows the Bank of Canada's policy rate: more movement, sometimes more upside. We decide on your comfort level, not on a trend.
The team · More than 20 brokers
Real people, not a call centre
Your file stays with your broker, from the first call to the signing at the notary. No handoffs from one department to the next.
See all the specialists
Renewals · Our specialty
Your term is coming up for renewal?
The renewal letter shows up in the mail. Signing it on the spot is rarely the move that pays off.
A term signed a few years ago doesn't always renew on the same terms. We measure the gap, then put lenders in competition before the deadline.
Six months out
Maturity date
Milestone 01
Six months before
Milestone 02
File review
Milestone 03
Shopping the lenders
Milestone 04
Signing
Step 1 of 4
01
We open the file
Balance, maturity date, plans for the next few years. One call is enough to see what's possible.
Step 2 of 4
02
We read the whole picture
Income, debts, property value, breakage costs if any. We check what transfers and what can be renegotiated.
Step 3 of 4
03
We put lenders to work
Your file goes out to our lenders, then gets compared with your current institution's offer. You see the differences in writing.
Step 4 of 4
04
You choose, we execute
Documents prepared, lender coordinated, deadlines respected. Your broker stays the same from the first call to the signature.
The earlier your file starts, the more room we have to negotiate. Six months before maturity is the right time to reach out.
Have my renewal reviewed
Tools
Run the numbers before you call
A monthly payment, a borrowing capacity, a welcome tax to plan for. Come in with your numbers and we work on your actual file.
Principal
Interest
Illustrative diagram. The interest share shrinks as the term advances.
01
Estimate your monthly payment
Change the price, rate and amortization to see the effect on the payment. The result is a starting point, not a financing promise.
02
Rates posted by our lenders
A reference point, nothing more: the conditions offered vary with the file, the down payment and the property type.
Next step
Let's talk about your file
A real person calls you back, looks at your full situation and tells you straight what actually holds up. No commitment.
Main line
(514) 317-2800
Email
equipepremium@estatefunnel.com
Équipe Premium Multi-Prêts · https://equipepremiummulti-prets954.estatefunnel.com
Montréal | Équipe Premium Multi-Prêts
Across Quebec
One single meeting
Our services are free* and we work in your best interest. * Residential mortgages.
Tell us where you stand
Two minutes to fill out. A broker on the team picks up your file and comes back with the next steps.
Your information is used only to review your request and stays confidential.