Acquiring real estate involves a substantial investment and a significant financial commitment through a mortgage. Gathering the funds for a down payment can sometimes hinder a real estate project. Fortunately, several solutions now allow future homeowners to bypass this obstacle. Here are various alternatives for buying a house or an apartment in Quebec or Canada […]
Anyone looking to become a property owner should be prepared. Various taxes are to be expected following the purchase of a home. Some of these contributions, such as the welcome tax, must be paid in the months following the acquisition. Learn with your mortgage broker about the different situations in which exemptions apply. What is […]
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 […]
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 […]
Using the services of a mortgage broker has many advantages for future real estate buyers. With their vast knowledge of the mortgage market, your expert is able to accompany you at every stage of your project. There are several important elements to know in order to choose the best mortgage broker. What is a mortgage […]
When the offer is accepted: Cost of the evaluation (freshly conventional SCHL or GE, $400 $) $________ Cost of the inspection (recommended) $________ Deposit(if required) $________ At the notary: Paid out by the capital outlay $________ Notary expenses $________ Taxes of sale on the insurance premium SCHL or GE $________ Cover letter house insurance […]
Before renewing your mortgage: Here are the main questions you will need to ask yourself before renewing your mortgage: Should I choose a short-term mortgage (for example 2 years) or a longer term? Is it better to opt for a fixed rate or a variable rate? What is my risk tolerance? Is this the best […]
Mortgage interest rates have declined significantly in recent years. In September 2009, it was possible to find in some institutions interest rate of 4% on a closed mortgage term of 5 years … Never seen, but what about today? In the current context, more and more homeowners are considering breaking their mortgage, even before term, […]
A word to show you how we can help you, you and yours. You could be eligible in a mortgage loan, event if you went bankrupt, you have a short odds of credit or that you have no credit history. That your debt ratio is raised, that you made a proposal to the certified bankrupt […]
The answer is: no. However, you need to make sure that you have enough protection in case of death, serious illness or disability. There are different types of insurances that protect you against unplanned events. Depending on your situation, you may choose to buy only some of the protections that are available to you: A […]
Construction legal mortgage is a mechanism to protect, sub-contractors and all workers who participated in the construction or renovation of a house. This mechanism is very powerful since it comes before a conventional mortgage from a financial institution. In the event of default, they would have 30 days after completion of the work to record […]
They trust us
1 an fixe
3 ans fixe
5 ans fixe
5 ans variable
7 ans fixe
As of 06/11/24
1 year fixed
3 years fixed
5 years fixed
5 years variable
7 years fixed
