Mortgage guide
Why use a mortgage broker?
What you gain by having several lenders compared instead of walking into one bank.
Access to several lenders and mortgage products
A broker isn’t tied to one institution. Mathieu can look at banks, credit unions, virtual lenders, alternative lenders and private options if your file calls for it. That range helps find the lender that actually understands your income, down payment, property type and deadline.
Expertise in conditions, not only rates
The lowest advertised rate isn’t always the best mortgage. Penalties, prepayment rights, portability, insurer rules, fees and approval conditions change what an offer is really worth. A broker reads all that before recommending anything.
Research and negotiation on your side
Mathieu compares the offers, the lenders' appetite, the costs and the conditions, so you don’t repeat the same story at five institutions. Where the file allows, he negotiates terms too, or picks the lender who handles your profile better.
Time saved during the mortgage process
Buying, refinancing or renewing already means decisions, paperwork and deadlines. The broker gathers the right information, builds the submission, follows the lender’s requests and cuts the back-and-forth between lender, insurer, realtor and notary.
A recommendation based on the file
A first purchase, a rental property, a renewal, a self-employed application and a refinance each need different income proof and meet different lender criteria. Mathieu compares structure, cost and conditions against your real documents.
Support from pre-approval to final funding
It doesn’t stop once a lender says yes. Mathieu follows the conditions, the documents, the deadlines and the final approval so nothing gets lost before signing. On most standard residential deals you pay no direct fee, because the lender pays the broker after funding.
To prepare
What to gather.
- Several lenders compared
- Rate and conditions read closely
- Negotiation when there’s room
- Document follow-up
- Advice built on your file
- Usually no direct fee on standard deals
Frequently asked
Why not apply directly with one bank?
One bank can only offer its own products. A broker can compare several lenders and see which one suits your file, your timeline and the type of property.
Does a broker only compare rates?
No. The comparison also covers penalties, prepayment options, portability, fees, conditions and how much room the lender gives you.
Is a broker useful for refinancing or renewal?
Yes. A broker can put your current offer next to the alternatives and check whether switching lenders, refinancing or staying put is actually worth it.
Have your file reviewed before you commit.
Have my file reviewedFinancing types
Pick the situation closest to yours.
Contact
Tell Mathieu about your project
Buying, renewing, refinancing, or something a bit out of the ordinary: tell us where you’re at, even if it’s still fuzzy. Mathieu gets back to you with next steps and the documents to pull together.
- Your request goes directly to Mathieu
- Across Quebec, in French and English
- No fee on most residential files