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Pre-approval
Quebec City, Lévis and the South Shore · free service

Your bank offers you one rate. I offer you 25.

I shop your mortgage with over 25 lenders, I negotiate, and you pay me nothing: I'm paid by the lender chosen. You keep the difference.

Free pre-approval Calculate my savings
Illustrative example
$400,000 mortgage, amortized over 25 years 5-year term
Posted branch rate 5.04%
Negotiated brokerage rate 4.54%
Gap over five years ≈ $10,400

Illustration only, calculated on interest paid during the term. Rates subject to change without notice and subject to lender approval.

25+ Lenders compared
$0 What you pay me
640 Files financed since 2013
218 M$ Total financing obtained
Where to start

Everything to know before you call

01 · The broker Who shops your rate Twelve years in mortgage lending, an AMF licence, and the same person from the first call to the notary. Get acquainted 02 · Services Six situations, one method First purchase, renewal, refinancing, plex or self-employment: the five-step process, and frequently asked questions. View services 03 · Availability Evenings and weekends too At the boulevard Laurier office, at your home or by video call, whenever suits you. See the hours

Broker or branch

The honest comparison, line by line. Your bank does its job well — but it only has one product to sell you: its own.

With me
At the branch
Number of lenders
Over 25: banks, credit unions, virtual lenders and alternative lenders
Just one, the one at the branch you're sitting in
Rate negotiation
I have lenders compete with each other, and I have unadvertised volume rates
The discount depends on what the advisor is authorized to give
Cost of service
Free: the chosen lender pays me when the file closes
Also free, but without comparison between institutions
A refusal, then what?
I present the file elsewhere, often the same week
The file stops there; you start over elsewhere from scratch
Availability
Evenings and weekends, by phone, text or video call
Branch business hours
Who follows you
The same person from the first call to the notary, and at renewal in five years
The advisor may change positions in the meantime

What half a point is worth

On a $400,000 mortgage amortized over 25 years, here's the interest gap paid over a five-year term. Rounded figures, for illustration.

0.25% less
≈ $5,200

About $55 less per month on your payment.

0.50% less
≈ $10,400

About $110 less per month, and principal paid down faster.

0.75% less
≈ $15,300

The typical gap between a posted rate and a well-negotiated one.

What that changes
A 20-minute call

That's all it takes to know where you stand. No commitment, no credit check before your consent.

Examples provided for illustration only, calculated on interest paid over a five-year term, monthly payments. Rates vary by lender, your credit file, the nature of the property and the type of term. Rates subject to change without notice, and any offer remains subject to lender approval.

What Our Clients Say

“My bank offered 5.29% at renewal. Karine found 4.64%. The transfer cost nothing.”

Nathalie D.

“Self-employed, refused twice. Financed in ten days by a lender I'd never heard of.”

Jean-Michel T.

“First home at 26. She explained everything to us twice, without making us feel dumb.”

Camille and Alexis

Get your free pre-approval.

Twenty minutes on the phone, a letter the same day, a rate protected for up to 120 days. No fees, no commitment, and no credit check without your consent.

418 555-0189 Request my pre-approval

Mortgage broker holding a license from the Autorité des marchés financiers. The rates and examples shown on this page are provided for illustration purposes, subject to change without notice, and any financing offer remains subject to lender analysis and approval.

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