Full-time employee
Employed full time?
We have great rates for you.
And even the answers to questions you haven’t asked yourself yet.
FULL-TIME EMPLOYEE
What is the minimum down payment for a newcomer to Canada?
If you are a full-time employee with no probationary period, you have access to the widest choice of mortgage solutions available.
You have a wide choice of banks with attractive rates and the most flexible terms.
It is important to know how to combine the two, and to find the right mortgage at the right time because they do not always go together.
This is our business and we know it well.
We will find you the best rate with the best conditions. That’s a great rate.
FULL-TIME EMPLOYEE
Our goal:
To make you spend as little money as possible.
And sometimes, it’s not the lowest rate at the time that’s the best option, some banks won’t tell you about mortgage penalties or loan portability and yet this is often the biggest risk of a loan.
Trusting your bank is good but…
… it also means closing the door to many other alternatives.
Solutions that are often better for you and do not risk committing you to a costly scenario.
It seems obvious, but a mortgage rate also comes with strings attached.
It is with these conditions that banks and lenders will really make money on you.
Sometimes terrible conditions in case of resale or refinancing.
We have already seen clients who wanted to sell during the term or refinance their property and who discover the initial conditions of their financing, it is often too late.
We are here to advise you, call us, everything is free.
SUPER RATE
We know and understand your situation.
At hypotheques.ca we seek to have a mix between the best rate and the best conditions.
This is what we call the SUPER rate!
A super rate for us is the one that will make you statistically spend the least money over the next 5 years.
The SUPER rate is the one that will make you see the future serenely without surprises. No matter what life throws at you.
We are here to help you in all your process, and this from the moment you have the idea of wanting to buy until the signature at the notary and even after we remain available.
In addition our services are 100% free.
Better! By coming to see us, you will probably even save thousands of $$$.
FULL-TIME EMPLOYEE
Being accompanied is good, but you have to be WELL accompanied.
Can you imagine for a moment:
- You don’t hear from your mortgage professional or broker for days?
- That your file does not pass because your situation is not presented as it should be?
- That he tries to force it into other banks with worse conditions without warning you?
- That your broker is drowning you in incomprehensible technical terms?
- That he disappears as soon as his commission is received?
If it’s unthinkable for you, it’s unthinkable for us.
Hypotheques.ca is here to explain everything from A to Z.
When you put your file in the hands of professionals, you expect that the follow-up will be done, that you don’t have to worry about the little details anymore and you even expect to understand things.
That’s why we explain everything you need to know throughout our guidance without tanning you.
We’re not here to train you in the trade, but rather to explain the implications on our daily lives.
Start your experience now with Hypotheques.ca
SUPER RATE
How do we find the right rate for you?
We talk to you human to human, take the time to understand your situation and find the best possible product for you based on current market conditions.
We have access to over 20 private lenders and banks for your financing. We have privileged contacts with them others. We know their eligibility requirements inside and out.
Once we know you, we hold all the cards to go out and get you the great rate.
We present and organize your file so that you can get the best from the lender from the first time they present it.
It’s a simple solution and yet many of our competitors don’t apply it. They prefer to work on volume than on the quality of the files.
Sometimes a real knowledge of your situation allows us to change the way we present the file and make sure you get the best conditions.
A human who talks to you and explains things to you throughout the process means a better put together file. Less risk of rejection and time saved for everyone.
FULL-TIME EMPLOYEE
To help you, the best thing is that you tell us where you are in your project?
Our promise to you at Mortgages.ca is to have someone there to help you avoid mistakes.
NOUVEL ARRIVANT
The 5 biggest pitfalls to avoid when taking out a mortgage.
If you still haven’t decided to contact us for your mortgage, we don’t want to leave you alone in this jungle. We have made a PDF document to be emailed and kept entitled:
Understanding the 5 biggest mortgage traps in Quebec.
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FULL-TIME EMPLOYEE
Policy of transparency and understanding.
At mortgages.ca we have a policy of total transparency.
Ifyou don’t understand a term, we have made a lexicon to help you.
Everything must be clear for you. This is our commitment.