HypothèqueAvantage
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Mortgage brokerage — Saint-Constant, since 2016

The best rate,without the shopping around.

We negotiate for you with more than 30 financial institutions and private lenders — pre-approval, purchase, renewal or refinancing, entirely free for you.

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30+
partner institutions
100%
free for you
9 years
of field expertise
« Approved in 48h, stress-free. »
— The Tremblay family, Saint-Constant
100% FREE SERVICE FOR YOU —OVER 30 FINANCIAL INSTITUTIONS —FAST APPROVAL —

Full support, at every step of your financing

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Free
Buying your first home
Free
Mortgage renewal
Free
Self-employed financing
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Calculate your mortgage payment in real time

Adjust the amount, rate and amortization to estimate your payments — then we'll refine it together with the real rate negotiated for you.

Loan amount$350,000
Interest rate5,25 %
Amortization
Monthly payment
$0
Total estimated interest
$0

We shop over 30 institutions for you — here's a preview

Institution A — major bank
Institution B — regional bank
Institution C — credit union
Institution D — alternative lender
Institution E — national bank
Fixed and variable rates editable under each line : Institution A — major bank — fixed 5.19 / variable 5.65Institution B — regional bank — fixed 5.34 / variable 5.7Institution C — credit union — fixed 5.09 / variable 5.55Institution D — alternative lender — fixed 5.49 / variable 5.9Institution E — national bank — fixed 5.29 / variable 5.6

Illustrative rates for reference only — the rate negotiated for your file depends on your situation. Book your free consultation for a personalized rate.

Our 4-step approach

01
Consultation
Full analysis of your financial situation.
02
Shopping around
Comparing the best rates for you.
03
Approval
File prepared and submitted quickly.
04
Signing
Support all the way to the keys.
Catherine Roy
9 years
of experience in mortgage brokerage
What sets us apart

Founded by Catherine Roy in 2016, to simplify your financing

A mortgage broker for 9 years, Catherine built Hypothèque Avantage to negotiate the best rates on behalf of her clients — without ever charging them a cent. Complex files, self-employed borrowers, credit rebuilding: she has the expertise to move your file forward.

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Ready to get your best rate?

A free consultation, no obligation — in person or virtual.

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Our story

Simplifying real estate financing, one family at a time

From Saint-Constant, Hypothèque Avantage supports Quebecers through one of the most important financial decisions of their lives — without ever charging them a cent.

Founded in 2016, in Saint-Constant

After several years working on the financial institution side, Catherine Roy noticed a recurring problem: borrowers rarely shopped more than one or two banks, for lack of time and expertise — and often paid more for their mortgage than necessary.

She founded Hypothèque Avantage to reverse this dynamic: an independent brokerage that shops over 30 institutions on the client's behalf, negotiates the best possible rate, and gets paid by the lender — never by the family buying.

Our service philosophy

Transparency
Every option, every fee, every condition explained clearly — never any surprise fine print.
Expertise in complex files
Self-employed, credit rebuilding, variable income — we find the right door.
End-to-end support
From pre-approval to key handover — we stay with you every step.

Hypothèque Avantage in numbers

9
years of experience
30+
partner institutions
2016
year founded
100%
free for the client
Catherine Roy

« My role is to negotiate as if it were my own money — and to make real estate financing less intimidating for everyone. »

Catherine Roy
Founder and mortgage broker, Hypothèque Avantage

Let's talk about your project

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Our services

A complete service — and free for you, from start to finish

We're paid by the financial institution that gets your mortgage, never by you. Here's what we offer.

Mortgage pre-approval
Know your real budget before you even visit — shop for your property with confidence.
Free
First home purchase
Full support for first-time buyers — programs, down payment, choosing the right lender.
Free
Mortgage renewal
Before automatically renewing with your current lender, we check if a better rate exists elsewhere.
Free
Refinancing
Unlock your property's equity to consolidate debt or fund an important project.
Free
Self-employed financing
Variable income or an atypical file? We know the lenders who know how to assess your reality.
Free
Financial consultation
Not ready to act yet? An honest conversation about where you stand and your options.
Free
Interactive widget

Estimate your borrowing capacity

Enter your income and monthly debts to see a ballpark figure — we'll refine the real number during your consultation.

Gross annual family income$95,000
Monthly debts (auto, cards, etc.)$400 / month
Estimated borrowing capacity
$0
Calculation assumptions (adjustable) : max debt ratio 44%, assumed rate 5.25%, amortization 25 years

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Availability

We see you whenever works for you

In person in Saint-Constant, or by virtual appointment — evenings and weekends too.

Office hours

Monday - Friday 8 AM – 8 PM
Saturday 9 AM – 2 PM
Sunday Closed
Virtual appointments available at any time during these hours

Find us in Saint-Constant

Our office is located on Saint-Pierre Street, easily accessible from Highway 30.

Address — 300, rue Saint-Pierre, Saint-Constant, Quebec J5A 1B1
Phone — 4505551076
Email — info@hypothequeavantage.ca
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Book your free consultation
Free consultation

Let's talk about your mortgage project

Quick response, no obligation. We'll contact you to set up an in-person or virtual appointment.

Your Project
Address
300, rue Saint-Pierre
Saint-Constant, Quebec J5A 1B1
Phone
4505551076
Email
info@hypothequeavantage.ca
Format
In-person or virtual appointment
Saint-Constant, Quebec
Steps from Highway 30
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