Renewing a mortgage is an essential step for most homeowners. Yet, many fail to optimize this crucial process. From interest rates to contract terms, every detail deserves careful attention. A lack of vigilance or a hasty decision can result in significant long-term costs. Here’s an overview of common mistakes and strategies to save thousands of […]
Embarking on a real estate project inevitably involves addressing financing. Obtaining a mortgage is not something to improvise; it requires careful preparation, whether you are buying your first property or refinancing an existing loan. Let’s explore the essential steps to maximize your chances of obtaining the desired approval, from choosing the right professionals to securing […]
Securing financing for a home is a significant milestone in life, but sometimes a mortgage application is rejected. This often disappointing scenario raises many questions about the reasons behind the refusal and the options available afterward. Analyzing this setback can open the door to effective strategies that may help revive your real estate project. What […]
When a property changes hands in Quebec, the real estate transfer duty—also known as the welcome tax—is added to the bill. This mandatory cost can amount to several thousand dollars, depending on the value of the property and the municipality. In 2025, as many cities have adjusted their thresholds and new assistance programs appear, it […]
Does the idea of a massive down payment hold you back from your real estate project? Good news: a collateral guarantee could be the key. This solution allows you to leverage the value of your existing property as financial backing for purchasing a new home. Learn how this strategy works and decide to bring your […]
In Quebec and Canada, homeowners can refinance their homes to access funds for an ambitious project or to optimize their financial situation. Discover everything you need to know about home refinancing and understand the implications of this process to choose the strategy that best suits your needs. Mortgage Refinancing: What Does It Mean to Refinance? […]
L’acquisition d’un bien immobilier est une décision majeure. Ce choix représente généralement un investissement conséquent et, pour beaucoup d’acheteurs, il suppose un engagement financier de grande ampleur à travers une hypothèque. Réunir la somme pour la mise de fonds peut parfois être un frein à un projet immobilier. Heureusement, plusieurs solutions permettent aujourd’hui aux futurs […]
Canada has several tools to regulate its domestic market, including national monetary policy. A key element of this policy is the policy interest rate, which the Bank of Canada uses to promote economic growth and control inflation. Understanding what this policy interest rate represents is essential. Additionally, the rate has varied significantly over the past […]
Working with Multi-prêts Hypothèques MR is like a smooth limousine ride. Trust our mortgage professionals to help you cross the road that leads to homeownership with peace of mind. Their mission is to find the best solutions to meet your needs in order to save you both time and money. And you know what’s event better? You […]
Fixed rate or variable rate: the best for your mortgage You’ve finally decided to take out a mortgage to buy your property. However, you’re faced with a thorny dilemma: fixed or variable rate? In our article, we’ll explain what you need to know about each of these options. So you can decide which is best […]
Recourir aux prestations d’un courtier hypothécaire présente de nombreux avantages pour les futurs acquéreurs d’un bien immobilier. Doté d’une vaste connaissance du marché hypothécaire, votre expert est habilité à vous accompagner à chaque étape de votre projet. Plusieurs éléments d’importance sont à connaître pour choisir le meilleur courtier hypothécaire. Qu’est-ce qu’un courtier hypothécaire ? Un courtier […]
If you have a mortgage, it’s a good idea to renew it at the right time. This allows you to renegotiate the interest rate and benefit from more attractive conditions for the repayment of your loan. However, there are a few important things you should know before renewing your mortgage. Find out more about mortgage […]
When you buy a property, it may happen that your new acquisition requires renovation. However, the expenses involved in this work can have a major impact on your budget. Several solutions are available to you to finance the purchase of your property including future renovations, including the renovation mortgage loan. Find out more about this […]
Interest rates on bank loans are correlated to the policy rate. When the Bank of Canada raises its key interest rate, there can be an immediate impact on the amount of money you have to pay on variable interest rate mortgages. What to do if interest rates go up? Find out from your mortgage broker. […]
Banks are competing to offer a variety of bank loan packages. From cash cards to various consumer loans, bank users are spoilt for choice when it comes to accessing credit. It is relatively easy to sign up for one or more offers. However, when a person juggles with the management of his budget to repay […]
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