Your mortgage, at the best rates and conditions.
It's that simple!

We have access to more than 20 banks or mortgage lenders in Quebec and in most Canadian provinces.Just one appointment to have a comparison of everything that is available on the market.

Our Services :

For your loan application, we offer you the lowest rates and the best conditions in full transparency.

5.74^%

2 years fixed

5.19^%

3 years fixed

4.79^%

5 years fixed

5.05^%

Variable 5 years

It may even be possible to do better than that. It all depends on your situation.
We have other rates with other terms.

Mortgage.ca's brokerage services are provided by Planipret | Mortgage Brokerage Firm

Find out what our customers think of us

The people who speak best about us are our customers!

★★★★★ 5/5

based on 382 Google reviews

Excellent customer service, complex files do not scare them. Several financing options. They took a lot of time to process our file and were really patient. They listened well and answered our questions, directed us to the right resources and also gave us advice on what to evaluate and what to focus on. They are excellent at actively following up and following through so that the file moves forward and is completed in a timely manner.

A big thank you to Thibaut and the whole team for their reactivity, their listening and especially their professionalism! They took the time to explain everything to us with transparency, to answer our questions and they gave us very good advice. For a first real estate purchase, it was exactly the support we needed, so thank you! I recommend them 100% and we will not hesitate to call on them for a next project!

A big thank you for this incredible support for our first purchase! The team was able to answer all our questions in a very educational way. They are super friendly and responsive, our purchase was done quickly (3 weeks which is rare). I highly recommend it 🙂

Our experience was absolutely positive! We were accompanied by Thibeault Coquel, recommended by a friend. We were not disappointed! He and the team are always available, responsive, and precise! They always took the time to explain each step clearly. And above all, they saved us and found us a notary when we were without one! Thanks to them, we have our first house!

SERVICES

Our mortgage services are perfectly suited to your situation.

Down payment, income, credit record, borrowing capacity...
We study all your criteria and discuss your needs together.

Our goal: to provide you with the best mortgage offer, with the best mortgage rate and the lowest penalties. We have over 150 combinations available.
‍
One appointment to get a comparison of everything on the market.
Tell us who you are, we'll tell you what you can have .

Self-employed /
company manager

You are working for yourself and not for someone else.

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Employee /
Employee

You perform work on behalf of a company for a fee.

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Permanent resident
or temporary resident

You are legally authorized to enter and work in Canada for temporary or permanent purposes. (PVT, JP, RP...)

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How much do our services cost?

We are paid by the banks and not by the customers.

Why deprive yourself?

In one case, the bank pays an employee,
In the other case, it pays us.
In both cases, it is free for you.

Don't limit yourself in your options.
With a mortgage broker, you will save time and money by comparing among more than 20 lenders.

Are there any hidden costs to doing business with one of our brokers?

No, there are no surprises.

When you buy a house or a condo, you have to pay certain mandatory taxes or for certain insurances, we will explain you all that.

But for our fees at hypotheques.ca, there really are none. Our fees are paid 100% by the banks. You will have peace of mind.

What is your interest in doing business with us instead of a bank?

Every 5 years on average you have to renegotiate your loan. We know that's not your favorite thing to do. It's time-consuming to shop around for banks and financial institutions, compare their offers and make an informed choice when you've talked to as many advisors as banks.

We save you the trouble, we know them all.

To accompany you every time and find the best mortgage for you is our goal. We aim to have loyal customers. And for that, nothing better than making you happy with your mortgage.

For your loan application, take advantage of our network! We have them all!

We have access to more than 20 lenders.
Whether you're looking to finance small assets or larger projects, we have the means to match your ambitions. And we'll tell you again: it's free.

BORROWING CAPACITY

Estimate your mortgage capacity now.

Before you buy, you need to budget and know how much your real estate purchase will cost you each month.

Our brokers and calculators will confirm your borrowing capacity without obligation.

You can also use our calculators to estimate your mortgage payments.

And if you like it, call us!

Use our tools now

HYPOTHEQUES.CA

Whatever your situation, we have the right mortgage product to finance your property.

Whether you are an employee, business owner, self-employed, permanent resident or temporary resident.
We have access to more than 20 banks or mortgage lenders.

A single appointment to have a comparison of everything that is done on the market. No need to run from bank to bank to compare offers, we do it for you.

Discover our services

BLOG

To make the mortgage simple and understandable to you.

Our job is our passion. We are always aware of new regulations, rules and tricks.
We always explain them to you simply.

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Your mortgage, at the best rates and conditions.
It's that simple!

We have access to more than 20 banks or mortgage lenders in Quebec and in most Canadian provinces.Just one appointment to have a comparison of everything that is available on the market.

Our Services :

Pre-qualification

First purchase

Renewal

Re-Financing