Mortgage Brokerage in Canada –
Compare Rates & Secure
the Right Loan
Independent mortgage advice that puts your goals first. I compare options from banks and non-bank lenders (through licensed broker partners) to help families, professionals, and investors secure the right residential, commercial, or reverse mortgage. Every solution is integrated with your tax plan to protect income, optimize cash flow, and build long-term stability.
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Residential & Commercial
Mortgage Coordination
Why it’s better than going bank-by-bank
- Full-market view (major banks + non-bank lenders via brokers)
- Transparent quotes with real numbers, not just posted rates
- Volume pricing opportunities and flexible terms
- Single point of contact: I coordinate specialists and paperwork
Residential options
- Fixed-rate (1–10 years; most commonly 5-year fixed)
- Variable-rate (prime-linked)
- Insured/high-ratio & first-time buyer strategies
- Renewals & refinancing beyond your bank’s default offer
Commercial & investor financing
- Rental properties, mixed-use, small commercial
- Payments structured to support rental cash flow
- Interest-deductibility documentation & tax alignment (with your accountant)
- Coordination with commercial brokers and lenders
Licensing note: I provide independent planning and coordination. Mortgage origination is completed by a licensed mortgage broker/lender. Services focus on Québec; for other provinces I connect you with licensed partners.
Why Work With Me
Professional experience
I have been working in financial planning, investments, insurance and mortgages for more than 20 years. My MBA and professional accreditations give me the knowledge to handle both simple and complex cases with confidence.
Personalized approach
I believe every client’s situation is unique. I take the time to understand your goals, needs and priorities, and then build a plan that works specifically for you.
Clear communication
I speak English, French, Russian and Hebrew, so I can explain financial matters in the language you are most comfortable with.
Fast and reliable service
I usually respond within 24–48 hours, ensuring that you always feel supported and never left waiting.
Trusted relationships
I value long-term partnerships with my clients. Many of them stay with me for years because they know I provide ongoing support, not just one-time solutions.
Strong network
When needed, I involve colleagues and experts from across Canada to give you access to the right knowledge and the right opportunities.
Reverse Mortgages (55+)
A reverse mortgage lets homeowners 55+ access a portion of home equity without mandatory monthly payments. Proceeds are not taxable and generally don’t affect OAS/CPP; income-tested benefits (e.g., GIS) can be impacted if funds generate taxable income.
What to expect
- Stay in your home and unlock equity (lump sum, monthly, or a mix)
- Interest accrues; the balance grows over time
- Fees/closing costs apply; independent legal advice recommended
- Estate impact: future equity and inheritance may be reduced
How much can you access?
- It depends on age, property value, type, and location. I provide an estimate and model how the funds fit into your tax and retirement plan.
Mortgage & Tax Planning
Integration
A mortgage is part of your tax-aware cash-flow strategy.
Debt vs. assets
- Separate personal borrowing from investment borrowing
- Use deductibility where CRA rules allow (investment/rental use)
- Align amortization/term with contribution timing (RRSP/TFSA/FHSA)
Fixed vs. variable
- Fixed: payment stability to protect cash flow
- Variable: flexibility if your plan benefits from prepayment/liquidity We model scenarios before you commit.
Rates in context
- Even a 0.50% difference can mean thousands over a term; we redirect savings into registered accounts or principal reduction—whichever best fits your plan.
Who Is My
Mortgage Guidance For
Not every mortgage client has the same goals. Here’s who benefits most from my services:
First-Time Home Buyers
Guidance beyond posted bank rates, with a clear comparison of fixed and variable options, plus help understanding CMHC rules and closing costs.
Families Refinancing or Renewing
Securing better rates than the bank’s default offer, reducing monthly payments, and locking in stability for the next term.
Investors & Business Owners
Commercial mortgage strategies that align financing with rental cash flow, corporate structure, and tax planning.
Retirees
Exploring reverse mortgages to boost retirement income, cover healthcare costs, or support family without selling the home they love.
How My Mortgage
Coordination Works
Initial
Consultation
A free call or meeting to clarify your goals, budget, and timeline. This is where we map out whether you’re buying, refinancing, or exploring a reverse or commercial mortgage.
Rate
Comparison
I gather real mortgage quotes from the banks and independent lenders showing you side-by-side numbers so you can see exactly how much you save.
Customized
Strategy
Together we decide on fixed vs. variable, short vs. long term, and structure the loan to match your cash flow. If relevant, we explore reverse mortgage or commercial financing options.
Tax
Integration
Before finalizing, I coordinate with your accountant (or provide notes) to align debt with deductions, investment accounts, and long-term planning.
Implementation
Once the strategy is locked in, I handle the paperwork and communication with the lender, so you secure the best available rate without added stress.
Annual Review
Mortgages aren’t “set and forget.” At renewal or refinancing, we revisit your plan, compare new rates, and adjust for changes in income, family needs, or market conditions.
Deliverables: What You Get
When you work with me, you don’t just receive advice. You get practical tools you can use immediately:
Mortgage Comparison Report
Side-by-side overview of current mortgage rates and terms from RBC, TD, CIBC, BMO, Scotiabank, and other banks and independent lenders like First National.
Reverse Mortgage Estimate
Clear breakdown of how much equity you can unlock and the tax impact.
Loan Amortization Schedule
Payment projection for both fixed-rate and variable mortgage options.
Tax Integration Notes
Details on how your mortgage interacts with RRSP, TFSA, FHSA, and rental deductions.
Annual Mortgage Review
Adjustments for renewals, refinancing, or changes in interest rates.
Trusted
Partners & Recognition
Finding the right mortgage isn’t just about rates — it’s about who stands behind the advice. I collaborate with Canada’s and Québec’s top lenders and a proven network of financial and legal professionals to ensure every client receives a solution that is secure, compliant, and optimized for long-term success.
Lenders examples:
leading non-bank lenders (e.g., First National, MCAP, etc. via broker partners)
Professional network:
Accountants
Notaries
Tax advisors
Commercial financing specialists
Not an endorsement. Availability and eligibility vary; subject to lender approval.
Mini Case Studies
Case Study 1: Family in Montreal
A professional couple received a renewal offer from their bank at 5.14% for a 5-year fixed mortgage.
What we did:
Compared lenders, negotiated through a brokerage, and aligned with RRSP top-ups.
Result:
Lower total borrowing cost and reduction of taxable income in the first year.
Case Study 2: Retired Couple in Laval
They were considering selling their home to fund retirement.
What we did:
Structured equity release for healthcare and family support; integrated tax and estate notes.
Result:
They stayed in their home, improved cash flow, and preserved their estate for their children.
Case Study 3: Investor in Quebec City
An investor wanted to expand a rental portfolio but was limited by traditional bank terms.
What we did:
Secured a commercial mortgage broker referral, structured payments for tax deductibility, and optimized interest allocation.
Result:
Higher net rental income and a clear cash-flow plan with tax savings.
Frequently Asked Questions
(FAQ)
Are brokered rates better than going direct to a bank?
Often, yes - because you can compare multiple lenders and access volume pricing. Results vary by file and timing.
Can mortgage interest be deductible in Québec?
Personal residence interest isn’t deductible. Borrowing used to earn investment or rental income may be deductible when properly documented. We coordinate with your accountant. Subject to CRA/Revenu Québec rules and documentation.
What’s the usual amortization?
Insured mortgages typically up to 25 years; conventional up to 30 years with mainstream lenders (some alternative programs may offer longer).
Reverse mortgage basics?
Available to homeowners 55+; no mandatory monthly payments; interest accrues; proceeds not taxable; independent legal advice recommended.
Do you handle commercial mortgages?
Yes - through coordination with commercial brokers/lenders, with tax alignment to support rental cash flow and compliance.
What’s the difference between fixed and variable mortgage rates?
A fixed rate mortgage locks your rate for a set term (most common: 5 years). A variable rate follows the Bank of Canada prime rate. The choice depends on risk tolerance, cash flow, and long-term planning.
How do mortgage calculators work?
By entering home price, down payment, interest rate, and amortization, you can estimate monthly or bi-weekly payments. Advanced calculators also include closing costs, land transfer tax, and insurance premiums.
Are closing costs included in my mortgage payment?
No, they are separate. Typical closing costs include legal fees, appraisal fees, title insurance, and land transfer taxes. For first-time buyers, provincial or municipal rebates may reduce these expenses.
Compliance & Scope
Services are designed for Québec residents. I provide independent advice and coordination; mortgage origination is completed by a licensed mortgage broker and/or lender. All approvals are subject to lender underwriting, property, and credit criteria. Reverse mortgages involve compounding interest and fees; consider independent legal/tax advice.
Ready to Secure
the Right Mortgage in Québec?
Whether you are buying your first home, refinancing, investing in commercial property, or exploring a reverse mortgage, I will guide you step by step. Every solution is personalized and fully integrated with tax planning, so your debt, assets, and income work together for long-term stability.
Book a Free ConsultationGet in Touch Today