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100% free service for you

The best rate,
without the shopping around.

Hypothèque Avantage negotiates on your behalf with more than 30 financial institutions and private lenders. Founded in Saint-Constant in 2016 — full support from the first call to signing.

30+
partner institutions
9 ans
of financing expertise
24-48h
average response time
Hypothèque Avantage
100% gratuit
for you, paid by the lender

Always free for you

Mortgage pre-approval
Free
Know your budget before you start house-hunting, within a few business days.
First home purchase
Free
Full support for your first purchase, from file preparation to signing.
Mortgage renewal
Free
We recheck the market before your term ends so you don't auto-renew at the same rate.
Refinancing
Free
Free up equity for a project, or consolidate debt at a better rate.
Self-employed financing
Free
Specialized expertise for building non-traditional files with the right lenders.
Financial consultation
Free
A clear, honest picture of your financial situation, no fees or pressure.
Partner institution since 2016
Smiling family receiving the keys to their new home
30+ institutions

and private lenders

100% free

for you, paid by the lender

Fast approval

24-48h average response

We'd been shopping for our first mortgage ourselves for two months. Catherine found a better rate in a week, and we paid nothing for it.
Sophie Gagnon & Marc-Antoine Dubé, first-time buyers — Saint-Constant

Our 4-step approach

01

Consultation

We discuss your situation, goals and timeline — free of charge.

02

Shopping around

We submit your file to over 30 institutions to find the best rate.

03

Approval

Average response in 24-48h, with conditions clearly explained.

04

Signing

We support you all the way to the notary, and stay available after.

Ready to negotiate your mortgage without lifting a finger?

A free consultation, no obligation — we take care of the shopping around.

Request your free consultation

Since

Our story

Founded in Saint-Constant in 2016, Hypothèque Avantage was built on a simple belief: shopping for a mortgage should never be the client's burden. Since then, the firm negotiates on behalf of its clients with more than 30 financial institutions and private lenders, with a service that's always free — paid by the lender, never by you.

Hypothèque Avantage
01

Transparency

02

Accessibility

03

Rigor

Catherine Roy

The founder

Catherine Roy

A mortgage broker for 9 years, Catherine founded Hypothèque Avantage in 2016. She's known for her transparent approach to financing, where listening and clear explanations come before financial jargon.

18 ans
of Experience
2011
founding year

30+ institutions

and private lenders

Free

100% free

for you, paid by the lender

Free

Fast approval

24-48h average response

Free

Rate comparator

Indicative rates by lender type

To be confirmed with your file. Book a free consultation for a precise, no-obligation offer.

Bank — fixed rate
5 years
5.44%
Bank — variable rate
5 years
5.20%
Credit union — fixed rate
5 years
5.29%
Trust company — fixed rate
3 years
5.55%
Private lender — non-standard file
1 year
7.90%
Book my consultation
  • Monday - Wednesday 9 AM – 5 PM
  • Thursday 9 AM – 7 PM
  • Friday 9 AM – 5 PM
  • Saturday - Sunday Closed

Address

300, boul. Monseigneur-Langlois
Saint-Constant (Québec) J5A 1B1 (Quebec)

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Parking available on site.

Send us a message

Reply within 24 business hours. For a booking, please use our Services page.

Home purchase Renewal Refinancing General question Other

Contact information

📍 300, boul. Monseigneur-Langlois, Saint-Constant (Québec) J5A 1B1
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