{"id":17010,"date":"2020-04-07T13:53:27","date_gmt":"2020-04-07T13:53:27","guid":{"rendered":"https:\/\/hypotheques.ca\/accueil\/"},"modified":"2025-11-27T16:36:29","modified_gmt":"2025-11-27T16:36:29","slug":"accueil","status":"publish","type":"page","link":"https:\/\/hypotheques.ca\/en\/","title":{"rendered":"Homepage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"17010\" class=\"elementor elementor-17010 elementor-8040\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c8d6a43 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8d6a43\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;shape_divider_bottom&quot;:&quot;mountains&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a42fb89\" data-id=\"a42fb89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27ac4a4 elementor-widget elementor-widget-heading\" data-id=\"27ac4a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage Broker<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2f55d1 elementor-widget elementor-widget-heading\" data-id=\"f2f55d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your mortgage, at the best rates and conditions.<br>\nIt's that simple!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfe6279 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"dfe6279\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-medium\">We have access to more than 20 banks or mortgage lenders in Quebec and in most <strong>Canadian<\/strong> provinces. Just one appointment to have a comparison of everything that is available on the market.<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5453d elementor-widget elementor-widget-spacer\" data-id=\"6c5453d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d464c0 elementor-widget elementor-widget-spacer\" data-id=\"7d464c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8186a38 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"8186a38\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d680c6 elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-18857 elementor-widget-html\" data-id=\"7d680c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"zf_div_du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4\"><\/div><script type=\"text\/javascript\">(function() {\ntry{\nvar f = document.createElement(\"iframe\");\nf.src = 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data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a8ddc7b\" data-id=\"a8ddc7b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f15ff3 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1f15ff3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Services :<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb9765 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1bb9765\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4eab8c9 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"4eab8c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9fe7c71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9fe7c71\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0206398\" data-id=\"0206398\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6cb55d icon-box-vertical-align-center elementor-widget__width-initial content-align-mobile-left icon-position-mobile-top icon-vertical-align-mobile-start content-align-left icon-position-left icon-vertical-align-start elementor-widget elementor-widget-the7_icon_box_grid_widget\" data-id=\"a6cb55d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_box_grid_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-box-grid-wrapper the7-elementor-widget loading-effect-none the7_icon_box_grid_widget-a6cb55d\">\t\t\t<div class=\"dt-css-grid\">\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/mortgage-pre-qualification\/\" aria-label=\"Pre-qualification\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-search-dollar\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPre-qualification\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Need a pre-qualification? \nMake a personalized appointment with our mortgage brokers at no charge.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/first-purchase\/\" aria-label=\" First purchase\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-receipt-cutoff\" viewBox=\"0 0 16 16\"><path d=\"M3 4.5a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 0 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 0 1 0 1h-6a.5.5 0 0 1-.5-.5zM11.5 4a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 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class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t First purchase\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Taking the plunge for your first purchase?<\/br>\nAre you making your first mortgage loan?<\/br>\nMake an appointment.\n\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/mortgage-renewal\/\" aria-label=\"Renewal\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-calculator\" viewBox=\"0 0 16 16\"><path d=\"M12 1a1 1 0 0 1 1 1v12a1 1 0 0 1-1 1H4a1 1 0 0 1-1-1V2a1 1 0 0 1 1-1h8zM4 0a2 2 0 0 0-2 2v12a2 2 0 0 0 2 2h8a2 2 0 0 0 2-2V2a2 2 0 0 0-2-2H4z\"><\/path><path d=\"M4 2.5a.5.5 0 0 1 .5-.5h7a.5.5 0 0 1 .5.5v2a.5.5 0 0 1-.5.5h-7a.5.5 0 0 1-.5-.5v-2zm0 4a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm3-6a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm3-6a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v4a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-4z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRenewal\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Is your term up? Renew to take advantage of the best conditions on the market.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/refinancing-mortgage\/\" aria-label=\"Re-Financing\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-cash-coin\" viewBox=\"0 0 16 16\"><path fill-rule=\"evenodd\" d=\"M11 15a4 4 0 1 0 0-8 4 4 0 0 0 0 8zm5-4a5 5 0 1 1-10 0 5 5 0 0 1 10 0z\"><\/path><path d=\"M9.438 11.944c.047.596.518 1.06 1.363 1.116v.44h.375v-.443c.875-.061 1.386-.529 1.386-1.207 0-.618-.39-.936-1.09-1.1l-.296-.07v-1.2c.376.043.614.248.671.532h.658c-.047-.575-.54-1.024-1.329-1.073V8.5h-.375v.45c-.747.073-1.255.522-1.255 1.158 0 .562.378.92 1.007 1.066l.248.061v1.272c-.384-.058-.639-.27-.696-.563h-.668zm1.36-1.354c-.369-.085-.569-.26-.569-.522 0-.294.216-.514.572-.578v1.1h-.003zm.432.746c.449.104.655.272.655.569 0 .339-.257.571-.709.614v-1.195l.054.012z\"><\/path><path d=\"M1 0a1 1 0 0 0-1 1v8a1 1 0 0 0 1 1h4.083c.058-.344.145-.678.258-1H3a2 2 0 0 0-2-2V3a2 2 0 0 0 2-2h10a2 2 0 0 0 2 2v3.528c.38.34.717.728 1 1.154V1a1 1 0 0 0-1-1H1z\"><\/path><path d=\"M9.998 5.083 10 5a2 2 0 1 0-3.132 1.65 5.982 5.982 0 0 1 3.13-1.567z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRe-Financing\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Taking the plunge for your first purchase?\nAre you making your first mortgage loan?\nMake an appointment.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d74817 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d74817\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c0d1954\" data-id=\"c0d1954\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bc7b67c elementor-widget elementor-widget-heading\" data-id=\"bc7b67c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">For your loan application, we offer you the lowest rates and the best conditions in full transparency.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76873d5 elementor-grid-4 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"76873d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:17126,&quot;columns&quot;:4,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-17126\">.elementor-17126 .elementor-element.elementor-element-fd836d7 > .elementor-element-populated{border-style:solid;border-width:0px 0px 0px 5px;border-color:var( --e-global-color-151a287 );}.elementor-17126 .elementor-element.elementor-element-fd836d7 > .elementor-element-populated, .elementor-17126 .elementor-element.elementor-element-fd836d7 > .elementor-element-populated > .elementor-background-overlay, .elementor-17126 .elementor-element.elementor-element-fd836d7 > .elementor-background-slideshow{border-radius:0px 0px 0px 0px;}.elementor-17126 .elementor-element.elementor-element-4404d4f .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:60px;font-weight:400;text-transform:none;line-height:54px;word-spacing:0.1em;color:var( --e-global-color-151a287 );}.elementor-17126 .elementor-element.elementor-element-ca799da .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:30px;font-weight:400;text-transform:none;line-height:1.4em;color:var( --e-global-color-151a287 );}@media(max-width:1100px){.elementor-17126 .elementor-element.elementor-element-4404d4f .elementor-heading-title{font-size:44px;}.elementor-17126 .elementor-element.elementor-element-ca799da .elementor-heading-title{font-size:28px;}}@media(max-width:767px){.elementor-17126 .elementor-element.elementor-element-4404d4f .elementor-heading-title{font-size:34px;line-height:40px;}.elementor-17126 .elementor-element.elementor-element-ca799da .elementor-heading-title{font-size:15px;}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"17126\" class=\"elementor elementor-17126 elementor-12975 elementor-12975 e-loop-item e-loop-item-17109 post-17109 taux type-taux status-publish hentry affichage_taux-accueil-en description-off\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9aef55 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9aef55\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd836d7\" data-id=\"fd836d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4404d4f elementor-widget elementor-widget-heading\" data-id=\"4404d4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">4.29<sup>%<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca799da elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ca799da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">2 years fixed<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"17126\" class=\"elementor elementor-17126 elementor-12975 elementor-12975 e-loop-item e-loop-item-17110 post-17110 taux type-taux status-publish hentry affichage_taux-accueil-en description-off\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9aef55 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9aef55\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd836d7\" data-id=\"fd836d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4404d4f elementor-widget elementor-widget-heading\" data-id=\"4404d4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">4.04<sup>%<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca799da elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ca799da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">3 years fixed<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"17126\" class=\"elementor elementor-17126 elementor-12975 elementor-12975 e-loop-item e-loop-item-17112 post-17112 taux type-taux status-publish hentry affichage_taux-accueil-en description-off\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9aef55 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9aef55\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd836d7\" data-id=\"fd836d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4404d4f elementor-widget elementor-widget-heading\" data-id=\"4404d4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">4.14<sup>%<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca799da elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ca799da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">5 years fixed<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"17126\" class=\"elementor elementor-17126 elementor-12975 elementor-12975 e-loop-item e-loop-item-17113 post-17113 taux type-taux status-publish hentry affichage_taux-accueil-en description-off\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9aef55 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9aef55\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fd836d7\" data-id=\"fd836d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4404d4f elementor-widget elementor-widget-heading\" data-id=\"4404d4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">3.6<sup>%<\/sup><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca799da elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ca799da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Variable 5 years<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02dadc0 elementor-widget elementor-widget-text-editor\" data-id=\"02dadc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It may even be possible to do better than that. It all depends on your situation.<br \/>We have other rates with other terms.<\/p><p>Mortgage.ca&#8217;s brokerage services are provided by Planipret | Mortgage Brokerage Firm<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65b46db elementor-widget elementor-widget-spacer\" data-id=\"65b46db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84235dc elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-align-center elementor-widget elementor-widget-the7_button_widget\" data-id=\"84235dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\" class=\"box-button elementor-button elementor-size-lg\">Discover our services<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8eaa799 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8eaa799\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b49716e\" data-id=\"b49716e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70979e9 elementor-widget elementor-widget-spacer\" data-id=\"70979e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ba548b elementor-widget elementor-widget-heading\" data-id=\"9ba548b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our different services as a mortgage broker<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-adac649 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"adac649\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-20af41b\" data-id=\"20af41b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a40ad05 elementor-widget elementor-widget-text-editor\" data-id=\"a40ad05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Mortgage pre-qualification<\/h3><p>For people who are just starting out on their buying journey, our pre-qualification services can help you discover your borrowing capacity and secure an\u00a0interest rate.<\/p><p>Depending on whether your project involves the purchase of a house, a duplex, a triplex&#8230; or a condo, he will be able to confirm the maximum loan amount for which you could be eligible according to your income. Thanks to this service, it will be possible for you to proceed with your real estate research in all serenity.\u00a0<\/p><h3>First purchase<\/h3><p>A first purchase (house, condo, Plex&#8230;) is often a first step into the unknown. First time buyers should take advantage of the resources of a\u00a0mortgage broker\u00a0who can guide them through the various stages of their purchase. Our brokers will explain the different types of loans and how they work, help them identify potential lenders and advise them on down payment assistance programs available in their area. We strive to make the process as simple as possible so that first-time homebuyers can find the right loan for their budget and lifestyle. This will make it easier for them to find a property that meets their target price and financial capabilities.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-079d4f0\" data-id=\"079d4f0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60972f8 elementor-widget elementor-widget-text-editor\" data-id=\"60972f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Mortgage Renewal<\/h3><p>Mortgages are renewed at the\u00a0end of\u00a0your contract. This means that the bank that originally gave you the loan will offer to renew it on their terms. Many people mistakenly think that every 5 years you have to renew your mortgage with the same bank! This is not true. In fact, it is in your best interest to change banks and make use of the competition because it is often at the time of\u00a0renewal\u00a0that the banks take advantage of the opportunity to change the contract in their favor without you really realizing it.\u00a0<\/p><h3>Mortgage refinancing<\/h3><p>Mortgage\u00a0refinancing\u00a0allows you to use a mortgage loan to get money for projects such as: going back to school, renovating your home, buying a vehicle, making a new investment, paying off debts, etc. This financing is based on the\u00a0equity\u00a0in your home and can allow you to consolidate your costly debts into one loan at a reduced rate and over a longer\u00a0amortization period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-253675b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"253675b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2302406\" data-id=\"2302406\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4567c42 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4567c42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Book an appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e946bde elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e946bde\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a0dc75a\" data-id=\"a0dc75a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d43d46 elementor-widget elementor-widget-spacer\" data-id=\"1d43d46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebcd992 elementor-widget elementor-widget-heading\" data-id=\"ebcd992\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Find out what our customers think of us<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e48aaf2 elementor-widget elementor-widget-text-editor\" data-id=\"e48aaf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">The people who speak best about us are our customers!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fc2341 elementor-star-rating--align-center elementor--star-style-star_unicode elementor-widget elementor-widget-star-rating\" data-id=\"2fc2341\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\">\n\t\t\t\t<i class=\"elementor-star-full\" aria-hidden=\"true\">&#9733;<\/i><i class=\"elementor-star-full\" aria-hidden=\"true\">&#9733;<\/i><i class=\"elementor-star-full\" aria-hidden=\"true\">&#9733;<\/i><i class=\"elementor-star-full\" aria-hidden=\"true\">&#9733;<\/i><i class=\"elementor-star-full\" aria-hidden=\"true\">&#9733;<\/i>\t\t\t\t<span itemprop=\"ratingValue\" class=\"elementor-screen-only\">Rated 5 out of 5<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e42e13 elementor-widget elementor-widget-text-editor\" data-id=\"7e42e13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">based on 382 Google reviews<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0ed8e0 elementor-arrows-yes elementor-pagination-type-bullets elementor-review--has-separator elementor--star-style-star_fontawesome elementor-widget elementor-widget-reviews\" data-id=\"b0ed8e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"reviews.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial elementor-repeater-item-70f15d3\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__header\">\n\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Louis Simard<\/span><div class=\"elementor-star-rating\"><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><\/div><\/cite>\t\t\t\t\t<div class=\"elementor-testimonial__icon elementor-icon elementor-icon-\" aria-label=\"Read More\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tExcellent 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.\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial elementor-repeater-item-f2c4623\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__header\">\n\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Nicolas Aubr\u00e9e<\/span><div class=\"elementor-star-rating\"><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><\/div><\/cite>\t\t\t\t\t<div class=\"elementor-testimonial__icon elementor-icon elementor-icon-\" aria-label=\"Read More\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tA 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!\nI recommend them 100% and we will not hesitate to call on them for a next project!\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial elementor-repeater-item-d167fa3\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__header\">\n\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Florent jamet<\/span><div class=\"elementor-star-rating\"><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><\/div><\/cite>\t\t\t\t\t<div class=\"elementor-testimonial__icon elementor-icon elementor-icon-\" aria-label=\"Read More\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tA 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 \ud83d\ude42\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial elementor-repeater-item-ca5548f\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__header\">\n\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Aur\u00e9line Fallourd-Pasquier<\/span><div class=\"elementor-star-rating\"><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><i class=\"elementor-star-full\">&#xE934;<\/i><\/div><\/cite>\t\t\t\t\t<div class=\"elementor-testimonial__icon elementor-icon elementor-icon-\" aria-label=\"Read More\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tOur experience was absolutely positive!\nWe 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!\nThanks to them, we have our first house!\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6ffb56 elementor-widget elementor-widget-image\" data-id=\"c6ffb56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.google.com\/search?q=vincent+le+saux+avis&#038;sxsrf=APq-WBsbo1b15Y4FyHvQ-dz8Iio9L0uOgg%3A1649601355273&#038;ei=S-tSYvKtEKHf9APJ5auACw&#038;ved=0ahUKEwiy_7T224n3AhWhL30KHcnyCrAQ4dUDCA4&#038;uact=5&#038;oq=vincent+le+saux+avis&#038;gs_lcp=Cgdnd3Mtd2l6EAMyBQghEKABMgUIIRCgAToHCCMQsAMQJzoICAAQsAMQywE6BwgAELADEB46BQgAEMsBOgYIABAWEB46AggmOggIIRAWEB0QHkoECEEYAUoECEYYAFCKAljJDmCuE2gCcAB4AIABhQGIAYAFkgEDMi40mAEAoAEByAEEwAEB&#038;sclient=gws-wiz#lrd=0x4cc91a5755f8824d:0xaf2da82e29510a45,1,,,#\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"145\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 300 145'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/6252ec5d16d5074f30e6f661_google-reviews-jpg-300x145.jpeg\" class=\"lazy-load attachment-medium size-medium wp-image-16585\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/6252ec5d16d5074f30e6f661_google-reviews-jpg-300x145.jpeg 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/6252ec5d16d5074f30e6f661_google-reviews-jpg-768x370.jpeg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/6252ec5d16d5074f30e6f661_google-reviews-jpg.jpeg 940w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1194636 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1194636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Start your adventure with us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6eb29ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6eb29ff\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-45cab2b\" data-id=\"45cab2b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3c0744 elementor-widget elementor-widget-spacer\" data-id=\"c3c0744\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c2be80 elementor-widget elementor-widget-heading\" data-id=\"5c2be80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5 Reasons to Use a Mortgage Broker<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1c4f23 elementor-widget elementor-widget-spacer\" data-id=\"c1c4f23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3cb1b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3cb1b7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff5fd72\" data-id=\"ff5fd72\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b0a2505 animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"b0a2505\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1851\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1851\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">1. Best Mortgage Rate Guaranteed<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1851\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1851\"><p>When looking for a mortgage loan, it is natural to look for the best possible rate. The role of a broker is to accompany you in this search. As a seasoned market analyst, he or she knows the best options available.<\/p><p>However, there are other important factors to consider such as the portability of the mortgage, mortgage penalties, and specific contract restrictions. Often, it is complicated for a non-insider to understand the terms and conditions (link to penalties article). Choosing the lowest interest rate often has a negative impact on other aspects of the financial product offered to you. There is a common misconception that the interest percentage is the most important thing. This often hides a penalty in case of early termination or restrictions that can have serious consequences.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1852\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1852\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">2. A free service<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1852\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1852\"><p>Mortgage brokers are paid by the lender. Their intervention is not linked to the interests of the bank but to those of the client. For the client, the service will be completely free. Mortgage.ca employees are not paid on commission and will not tend to favour one offer over another.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1853\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1853\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">3. Personalized support for your mortgage application<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1853\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1853\"><p>Mortgage brokers can give you personalized advice on how to structure your loan to best suit your needs and financial situation. They can help you better understand the terms and conditions of the loan and the specific implications of comparing the available offers.<\/p><p>Save time and effort: Don&#8217;t deprive yourself of an expert, mortgage brokers compare offers for you. They will search for the best rates and conditions for financing your property, saving you time and money.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1854\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1854\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">4. Compare over 20 lenders with great rates<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1854\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1854\"><p>Mortgage brokers often have established relationships with several lenders and can therefore negotiate favourable terms and interest rates for you. Negotiated interest rates can often be lower than those offered directly by the banks.<\/p><p>Even if you have scrupulously compared the offers of banks such as: Royal Bank of Canada (RBC), Bank of Montreal (BMO), Scotia Bank, Tangerine, Les Caisses Desjardins, National Bank of Canada (NBC), Laurentian Bank of Canada (LBC), Canadian Bank of Commerce (CIBC), Toronto Dominion Bank (TD Bank)&#8230; your ability to analyze as an individual will remain limited. A professional will always be aware of the various offers on the market at the time you wish to submit your application. His intervention saves you a long list of appointments with different financial institutions.<\/p><p>In addition, brokers like Mortgages.ca have access to offers with the major banks but we can also help people compare all offers by adding many banks such as First National, MCAP, Lendwise, Manulife Bank, Merix, CMLS, Equitable Bank, Home Trust, Haventhree Bank&#8230;<\/p><p>Thus we offer you interesting alternatives that you cannot access without a professional.<\/p><p>It is important not to confuse the mortgage broker with the mortgage finder who works exclusively for a bank and who by definition can only offer you the products of this bank.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1855\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1855\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">5. Professional supervised by the Autorit\u00e9 des March\u00e9s Financiers (AMF)<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1855\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1855\"><p>The profession is regulated in Quebec by the Autorit\u00e9 des march\u00e9s financiers (AMF). The mortgage brokerage professional is supervised by this institution, which guarantees the consumer his ethics and expertise.<\/p><p>In addition, your broker has been trained according to guidelines and has completed an academic program before being allowed to practice. After an initial course of several months, brokers must pass their theory exam and complete an internship of several months. Throughout their career, they are required to attend training to keep their skills up to date with the changing market.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1447782 elementor-widget elementor-widget-spacer\" data-id=\"1447782\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-708d1a3 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"708d1a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Going through a Mortgage Broker<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43b1583 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43b1583\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;mountains&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7d611a1 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"7d611a1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a218dd elementor-widget elementor-widget-image\" data-id=\"4a218dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"910\" height=\"1024\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 910 1024'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq-910x1024.jpg\" class=\"lazy-load attachment-large size-large wp-image-16651\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq-910x1024.jpg 910w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq-267x300.jpg 267w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq-768x864.jpg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-faq.jpg 960w\" sizes=\"(max-width: 910px) 100vw, 910px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8ecff90\" data-id=\"8ecff90\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a2f8847 elementor-widget elementor-widget-heading\" data-id=\"a2f8847\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgage Broker - FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0992f5 elementor-widget elementor-widget-spacer\" data-id=\"f0992f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c3051f animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"5c3051f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-9661\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9661\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a mortgage broker?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-9661\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9661\"><p>The broker is an expert intermediary in mortgages whose role is to allow you to send personal documents in complete security. His role is to accompany you to facilitate the financing process and to give you the details of the loan and its conditions by comparing the various offers from banks and financial institutions.<\/p><p>He will help his clients better understand the advantages and disadvantages of one bank or credit offer over another.<\/p><p>Finally, this professional can help you find the mortgage that best suits your needs and save you money over the long term with low negotiated interest rates, no surprises and, best of all, no cost to the customer.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-9662\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9662\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How does a mortgage broker make money?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-9662\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9662\"><p>The mortgage broker is paid by the lender. The broker receives a commission from the financial institution and that&#8217;s it, there are no other fees.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-9663\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9663\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is there an exclusivity clause to working with a mortgage broker in Quebec?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-9663\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9663\"><p>Some brokers may ask you to sign an exclusivity clause to take over your file.<a href=\"https:\/\/hypotheques.ca\/en\/\">\u00a0Hypotheques.ca<\/a>\u00a0will not make you sign any exclusivity clause, but only a simple consent that will not oblige you to use its services.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-9664\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-9664\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What are the obligations of the mortgage broker?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-9664\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-9664\"><p>In Quebec, mortgage brokers are regulated by the Autorit\u00e9 des March\u00e9s Financiers. They have several obligations to respect in order to offer professional, ethical services that comply with the regulations in effect.<br \/>Here are some of the main obligations:<\/p><p>1. Licensing and Education: Mortgage brokers must hold a valid license issued by the AMF and undergo continuing education.<\/p><p>2. Compliance with Laws and Regulations: Mortgage brokers are required to comply with applicable laws and regulations, including the Real Estate Brokerage Act and AMF Regulations.<\/p><p>3. Disclosure: Mortgage brokers must inform and advise their clients in an objective and transparent manner. They must disclose all relevant information about the mortgage, including terms, interest rates, fees and penalties, if any.<\/p><p>4. Fair Representation: Mortgage brokers must represent the interests of their clients in a fair manner, ensuring that they obtain the best possible terms for the mortgage.<\/p><p>5. Confidentiality: Mortgage brokers must protect their clients&#8217; confidential information and may only disclose it with their consent or as required by law.<\/p><p>6. Conflicts ofInterest: Mortgage brokers must avoid conflicts ofinterest and place their clients&#8217; interests ahead of their own or those of others.<\/p><p>7. Record Keeping: Mortgage brokers are required to keep complete and current records for each transaction, as required by the AMF.<\/p><p>8. Professional Liability: Mortgage brokers must carry professional liability insurance to protect their clients in the event of fault or negligence.<\/p><p>9. Cooperation with the AMF: Mortgage brokers are required to cooperate with the AMF in the event of an investigation,inspection or complaint.<\/p><p>10. Code of Ethics: Mortgage brokers must comply with the AMF Code of Ethics, which sets out the professional and ethical standards to be followed in the performance of their duties.<br \/>These obligations are designed to protect consumers and maintain a high level of professionalism and ethics in the mortgage brokerage industry in Quebec.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d10cd34 elementor-widget elementor-widget-spacer\" data-id=\"d10cd34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1992d52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1992d52\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-985e9bb\" data-id=\"985e9bb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bde035 elementor-widget elementor-widget-heading\" data-id=\"2bde035\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">BORROWING CAPACITY<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-437bf9e elementor-widget elementor-widget-heading\" data-id=\"437bf9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Estimate your mortgage capacity now.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93c879f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"93c879f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d924b21 elementor-widget elementor-widget-text-editor\" data-id=\"d924b21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Before you buy, you need to budget and know how much your real estate purchase will cost you each month.<\/p><p>Our brokers and calculators will confirm your borrowing capacity without obligation.<\/p><p>You can also use our calculators to estimate your mortgage payments.<\/p><p>And if you like it, call us!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eefa92 elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-the7_button_widget\" data-id=\"2eefa92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"\/en\/our-tools\" class=\"box-button elementor-button elementor-size-lg\">Use our tools now<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12ac3bb elementor-widget elementor-widget-spacer\" data-id=\"12ac3bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c7d1a4d\" data-id=\"c7d1a4d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cbad426 elementor-widget elementor-widget-image\" data-id=\"cbad426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 1024 576'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-estimer-1024x576.jpg\" class=\"lazy-load attachment-large size-large wp-image-16649\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-estimer-1024x576.jpg 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-estimer-300x169.jpg 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-estimer-768x432.jpg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-estimer-1536x864.jpg 1536w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-estimer.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5fbdc0a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5fbdc0a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ed2d1f3\" data-id=\"ed2d1f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-941374c elementor-widget elementor-widget-heading\" data-id=\"941374c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What type of mortgage is right for you?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1395bf elementor-widget elementor-widget-spacer\" data-id=\"f1395bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d62c7d elementor-widget elementor-widget-text-editor\" data-id=\"5d62c7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are several types of mortgages that differ, among other things, according to the type of rate you will be offered.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-da2bc77 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"da2bc77\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-13c977c\" data-id=\"13c977c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cf95e7 elementor-widget elementor-widget-text-editor\" data-id=\"3cf95e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Fixed rate<\/h3><p>A fixed rate is the rate of your loan contract at signing. It will remain unchanged throughout the\u00a0term. The monthly payments of this loan will not change if you choose this option.\u00a0<\/p><h3>Variable rate<\/h3><p>A variable rate is a rate that is subject to change according to the decisions of the Central Bank of Canada (BoC). This type of rate can be lower than a fixed rate at the beginning of the\u00a0term. On the other hand, its evolution is more uncertain for the borrower insofar as it is very difficult, if not impossible, to foresee the variability upwards or downwards of the medium and long\u00a0term\u00a0rates.\u00a0<\/p><p><a href=\"https:\/\/hypotheques.ca\/en\/blogue\/taux-fixe-ou-taux-variable\/\">Variable or fixed rate<\/a>? Take into account the economic situation before making your decision. Opting for a fixed rate is interesting if the Bank of Canada&#8217;s\u00a0key rate\u00a0is expected to increase over the next few months\/years. Conversely, a variable rate is more suitable if the\u00a0key rate\u00a0is expected to decrease, which will work in your favour.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b59c9e\" data-id=\"3b59c9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cabf54d elementor-widget elementor-widget-text-editor\" data-id=\"cabf54d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>CMHC Option<\/h3><p>CMHC mortgage loan insurance (Genworth,\u00a0Sagen) allows you to obtain a mortgage loan with a minimum down payment of 5% of the purchase price of a home.<\/p><p>It allows access to more attractiveinterest\u00a0rates because of the limited risk to the financial institution. If your mortgage is uninsured, you may not pay an insurance premium, but you will get a higher\u00a0interest rate.<br \/>The cost of mortgage insurance\u00a0is more than offset by the savings for most borrowers.<\/p><h3>Mixed rate and Cape variable<\/h3><p>A blended\/cape\u00a0rate\u00a0is a combination of your current interest\u00a0rate\u00a0and the rate currently being offered for a\u00a0new\u00a0term.<\/p><p>This rate allows you to combine your current rate with a new rate, borrowing with a mixed rate is to make a loan with a variable\u00a0interest rate, which has a &#8220;cap&#8221; rate which means that the maximum rate is known at the time of signing the loan, it should be noted that the capped rate is often higher than the conventional variable rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a94824 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a94824\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a77d80\" data-id=\"8a77d80\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4df4df6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4df4df6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Discuss with a Professional<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf6dfae elementor-widget elementor-widget-spacer\" data-id=\"cf6dfae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7795744 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7795744\" data-element_type=\"section\" data-e-type=\"section\" id=\"services\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cb07bab\" data-id=\"cb07bab\" data-element_type=\"column\" data-e-type=\"column\" id=\"services\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c566c0f elementor-widget elementor-widget-heading\" data-id=\"c566c0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">SERVICES<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db5430 elementor-widget elementor-widget-heading\" data-id=\"8db5430\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our mortgage services are perfectly suited to your situation.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65f38e5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"65f38e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94af86f elementor-widget elementor-widget-text-editor\" data-id=\"94af86f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Down payment, income, credit record, borrowing capacity&#8230;<br \/>We study all your criteria and discuss your needs together.<br \/><br \/>Our goal: to\u00a0<strong>provide you with the best mortgage offer<\/strong>, with the best mortgage rate and the lowest\u00a0penalties. We have over 150 combinations available.<br \/>\u200d<br \/>One appointment to get a comparison of everything on the market.<br \/><strong class=\"white\">Tell us who you are, we&#8217;ll tell you what you can have\u00a0<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d868a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d868a4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e28b858\" data-id=\"e28b858\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2db2c09 content-align-left icon-box-vertical-align-top preserve-img-ratio-cover icon-vertical-align-start elementor-widget elementor-widget-the7_image_box_grid_widget\" data-id=\"2db2c09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_image_box_grid_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-box-grid-wrapper the7-elementor-widget loading-effect-none the7_image_box_grid_widget-2db2c09\">\t\t\t<div class=\"dt-css-grid\">\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-image-box-wrapper the7-box-wrapper the7-elementor-widget box-hover\" href=\"\/en\/self-employer-business-owner\/\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-image-div \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\"><img decoding=\"async\" width=\"480\" height=\"346\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%20480%20346&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 480px) 100vw, 480px\" style=\"--ratio: 480 \/ 346;\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4b8c6309819acd089883_6234aeeb490adb8951cd11a2_travailleurautonome_1_1_10.jpeg\" loading=\"eager\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4b8c6309819acd089883_6234aeeb490adb8951cd11a2_travailleurautonome_1_1_10.jpeg 480w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4b8c6309819acd089883_6234aeeb490adb8951cd11a2_travailleurautonome_1_1_10-300x216.jpeg 300w\" \/><\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">Self-employed \/ <br>business owner<\/h3><div class=\"box-description\">company manager\nYou are working for yourself and not for someone else.\n\n<\/div><div class=\"box-button elementor-button elementor-size-sm\">See<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-image-box-wrapper the7-box-wrapper the7-elementor-widget box-hover\" href=\"\/en\/mortgages-full-time-employee\/\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-image-div \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\"><img decoding=\"async\" width=\"480\" height=\"346\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%20480%20346&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 480px) 100vw, 480px\" style=\"--ratio: 480 \/ 346;\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4d1a58351c5c9f1ead39_6234af237c41377f796742e3_employe_10.jpeg\" loading=\"eager\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4d1a58351c5c9f1ead39_6234af237c41377f796742e3_employe_10.jpeg 480w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4d1a58351c5c9f1ead39_6234af237c41377f796742e3_employe_10-300x216.jpeg 300w\" \/><\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">Employee \/<br>Salaried<\/h3><div class=\"box-description\">You perform work on behalf of a company for a fee.\nSee\n<\/div><div class=\"box-button elementor-button elementor-size-sm\">See<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-image-box-wrapper the7-box-wrapper the7-elementor-widget box-hover\" href=\"\/en\/newcomers-to-canada\/\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-image-div \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\"><img decoding=\"async\" width=\"480\" height=\"346\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%20480%20346&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 480px) 100vw, 480px\" style=\"--ratio: 480 \/ 346;\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/6234af54b1bdac245fa06643_3.jpg\" loading=\"eager\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/6234af54b1bdac245fa06643_3.jpg 480w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/6234af54b1bdac245fa06643_3-300x216.jpg 300w\" \/><\/div>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">Permanent or<br> temporary resident<\/h3><div class=\"box-description\">You are legally authorized to enter and work in Canada for temporary or permanent purposes. (PVT, JP, RP...)\n<\/div><div class=\"box-button elementor-button elementor-size-sm\">See<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be2b6a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be2b6a5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-55f2e1e\" data-id=\"55f2e1e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a7eb63 animated-fast elementor-invisible elementor-widget elementor-widget-image\" data-id=\"0a7eb63\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"633\" height=\"595\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 633 595'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4f79d178880cd4ac4a5c_623373b397a5ed45d5332c5e_equipe_copie_1_30.jpeg\" class=\"lazy-load attachment-large size-large wp-image-16580\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4f79d178880cd4ac4a5c_623373b397a5ed45d5332c5e_equipe_copie_1_30.jpeg 633w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/01\/624c4f79d178880cd4ac4a5c_623373b397a5ed45d5332c5e_equipe_copie_1_30-300x282.jpeg 300w\" sizes=\"(max-width: 633px) 100vw, 633px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e63faf2 animated-fast elementor-invisible\" data-id=\"e63faf2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70ba611 elementor-widget elementor-widget-heading\" data-id=\"70ba611\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">HYPOTHEQUES.CA<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d04a32 elementor-widget elementor-widget-text-editor\" data-id=\"9d04a32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Whatever your situation, we have the right mortgage product to finance your property.<\/p><p>Whether you are an employee, business owner, self-employed, permanent resident or temporary resident.<br \/>We have access to more than 20 banks or mortgage lenders.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be3ce5d elementor-widget elementor-widget-spacer\" data-id=\"be3ce5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-641c96e elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-align-center elementor-widget elementor-widget-the7_button_widget\" data-id=\"641c96e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"#services\" class=\"box-button elementor-button elementor-size-lg\">Discover our services<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a2b2c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a2b2c3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8eac683\" data-id=\"8eac683\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6930c6 elementor-widget elementor-widget-heading\" data-id=\"d6930c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">BLOGUE<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0752e2b elementor-widget elementor-widget-heading\" data-id=\"0752e2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">To make the mortgage simple and understandable to you.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f836045 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f836045\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72e0a91 elementor-widget elementor-widget-text-editor\" data-id=\"72e0a91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our job is our passion. We are always aware of new regulations, rules and tricks.<br \/>We always explain them to you simply.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e8a280c elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"e8a280c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a3252c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a3252c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-767c414\" data-id=\"767c414\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbaf474 img-align-top icon-box-vertical-align-top image-vertical-align-start preserve-img-ratio-cover slide-h-position-left elementor-widget elementor-widget-the7-elements-simple-posts\" data-id=\"fbaf474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7-elements-simple-posts.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-simple-widget-posts the7-elementor-widget the7-elements-simple-posts-fbaf474 jquery-filter jquery-filter\" data-post-limit=\"-1\" data-pagination-mode=\"none\" data-scroll-offset=\"\" aria-live=\"assertive\">\t\t\t<div class=\"dt-css-grid custom-pagination-handler\" data-columns=\"{&quot;d&quot;:3,&quot;t&quot;:2,&quot;p&quot;:1,&quot;wd&quot;:&quot;&quot;}\">\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell visible \">\n\t\t\t\t\t\t<article class=\"post visible wrapper post-20285 type-post status-publish format-standard has-post-thumbnail hentry category-hypotheques\">\n\n\t\t\t\t\t\t\t<div class=\"post-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"the7-simple-post-thumb\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" aria-label=\"Post image\" href=\"https:\/\/hypotheques.ca\/en\/blog\/how-much-down-payment-home\/\"><img decoding=\"async\" width=\"1536\" height=\"1024\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201536%201024&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1536px) 100vw, 1536px\" style=\"--ratio: 1536 \/ 1024;\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/quelle-mise-de-fonds-maison-prevoir-featured.webp\" loading=\"eager\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/quelle-mise-de-fonds-maison-prevoir-featured.webp 1536w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/quelle-mise-de-fonds-maison-prevoir-featured-300x200.webp 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/quelle-mise-de-fonds-maison-prevoir-featured-1024x683.webp 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/quelle-mise-de-fonds-maison-prevoir-featured-768x512.webp 768w\" \/><span class=\"the7-hover-icon\"><\/span><\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"post-entry-content\">\n\t\t\t\t\t\t\t\t\t<h4 class=\"heading\"><a href=\"https:\/\/hypotheques.ca\/en\/blog\/how-much-down-payment-home\/\" rel=\"bookmark\" title=\"How Much Down Payment Should You Plan for a Home?\" class=\"post-title\">How Much Down Payment Should You Plan for a Home?<\/a><\/h4><p class=\"short-description\">How much down payment is needed to buy a home in Canada? Minimums, rules, hidden costs, and strategies to buy without weakening your finances.<\/p><a href=\"https:\/\/hypotheques.ca\/en\/blog\/how-much-down-payment-home\/\" target=\"\" aria-label=\"Read more about How Much Down Payment Should You Plan for a Home?\" class=\"box-button elementor-button elementor-size-sm\">Read the article<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t<div class=\"wf-cell visible \">\n\t\t\t\t\t\t<article class=\"post visible wrapper post-20277 type-post status-publish format-standard has-post-thumbnail hentry category-mortgages\">\n\n\t\t\t\t\t\t\t<div class=\"post-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"the7-simple-post-thumb\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" aria-label=\"Post image\" href=\"https:\/\/hypotheques.ca\/en\/blog\/fixed-or-variable-mortgage-canada\/\"><img decoding=\"async\" width=\"1536\" height=\"1024\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201536%201024&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1536px) 100vw, 1536px\" style=\"--ratio: 1536 \/ 1024;\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/taux-fixe-ou-variable-hypotheque-au-canada-featured.webp\" loading=\"eager\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/taux-fixe-ou-variable-hypotheque-au-canada-featured.webp 1536w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/taux-fixe-ou-variable-hypotheque-au-canada-featured-300x200.webp 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/taux-fixe-ou-variable-hypotheque-au-canada-featured-1024x683.webp 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/taux-fixe-ou-variable-hypotheque-au-canada-featured-768x512.webp 768w\" \/><span class=\"the7-hover-icon\"><\/span><\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"post-entry-content\">\n\t\t\t\t\t\t\t\t\t<h4 class=\"heading\"><a href=\"https:\/\/hypotheques.ca\/en\/blog\/fixed-or-variable-mortgage-canada\/\" rel=\"bookmark\" title=\"Fixed or Variable Mortgage Rate in Canada?\" class=\"post-title\">Fixed or Variable Mortgage Rate in Canada?<\/a><\/h4><p class=\"short-description\">Taux fixe ou variable hypoth\u00e8que: comparez paiements, risques et flexibilit\u00e9 pour choisir l\u2019option adapt\u00e9e \u00e0 votre achat ou renouvellement.<\/p><a href=\"https:\/\/hypotheques.ca\/en\/blog\/fixed-or-variable-mortgage-canada\/\" target=\"\" aria-label=\"Read more about Fixed or Variable Mortgage Rate in Canada?\" class=\"box-button elementor-button elementor-size-sm\">Read the article<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t<div class=\"wf-cell visible \">\n\t\t\t\t\t\t<article class=\"post visible wrapper post-20247 type-post status-publish format-standard has-post-thumbnail hentry category-hypotheques category-mortgages\">\n\n\t\t\t\t\t\t\t<div class=\"post-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"the7-simple-post-thumb\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"post-thumbnail-rollover layzr-bg img-css-resize-wrapper\" aria-label=\"Post image\" href=\"https:\/\/hypotheques.ca\/en\/blog\/assumable-mortgage-how-does-it-work\/\"><img decoding=\"async\" width=\"1536\" height=\"1024\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D&#039;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&#039;%20viewBox%3D&#039;0%200%201536%201024&#039;%2F%3E\" class=\"attachment-full size-full preload-me aspect lazy lazy-load\" alt=\"\" sizes=\"(max-width: 1536px) 100vw, 1536px\" style=\"--ratio: 1536 \/ 1024;\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/hypotheque-transferable-comment-ca-marche-featured.webp\" loading=\"eager\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/hypotheque-transferable-comment-ca-marche-featured.webp 1536w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/hypotheque-transferable-comment-ca-marche-featured-300x200.webp 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/hypotheque-transferable-comment-ca-marche-featured-1024x683.webp 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2026\/03\/hypotheque-transferable-comment-ca-marche-featured-768x512.webp 768w\" \/><span class=\"the7-hover-icon\"><\/span><\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"post-entry-content\">\n\t\t\t\t\t\t\t\t\t<h4 class=\"heading\"><a href=\"https:\/\/hypotheques.ca\/en\/blog\/assumable-mortgage-how-does-it-work\/\" rel=\"bookmark\" title=\"Assumable Mortgage: How Does It Work?\" class=\"post-title\">Assumable Mortgage: How Does It Work?<\/a><\/h4><p class=\"short-description\">Assumable mortgage: how does it work in Quebec and Canada? Learn how it works, the benefits, the limits, and what to check before buying.<\/p><a href=\"https:\/\/hypotheques.ca\/en\/blog\/assumable-mortgage-how-does-it-work\/\" target=\"\" aria-label=\"Read more about Assumable Mortgage: How Does It Work?\" class=\"box-button elementor-button elementor-size-sm\">Read the article<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/article>\n\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d11dbee elementor-widget elementor-widget-spacer\" data-id=\"d11dbee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f728eee elementor-align-center elementor-widget elementor-widget-the7_button_widget\" data-id=\"f728eee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"\/en\/blog\" class=\"box-button elementor-button elementor-size-lg\">See all articles<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-arrow-right-short\" viewBox=\"0 0 16 16\"><path fill-rule=\"evenodd\" d=\"M4 8a.5.5 0 0 1 .5-.5h5.793L8.146 5.354a.5.5 0 1 1 .708-.708l3 3a.5.5 0 0 1 0 .708l-3 3a.5.5 0 0 1-.708-.708L10.293 8.5H4.5A.5.5 0 0 1 4 8z\"><\/path><\/svg><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgage Broker Your mortgage, at the best rates and conditions. It&#8217;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 Need a pre-qualification? Make a&hellip;<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-17010","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17010","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/comments?post=17010"}],"version-history":[{"count":79,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17010\/revisions"}],"predecessor-version":[{"id":19782,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17010\/revisions\/19782"}],"wp:attachment":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/media?parent=17010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}