Contact a mortgage consultant
Today's Rates
SEPT
22010
| Term | Posted rates |  |
| Variable | 2.75 %* | 2.10 % |
| 1 year | 4.30 % | 2.44 % |
| 3 years | 4.65 % | 3.45 % |
| 5 years | 5.49 % | 3.74 % |
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Multi-Prêts is your one stop shop giving you access to more than 20 financial institutions.
Find the mortgage financing option that fits your needs
Buying a home often represents the most important investment in a lifetime. Multi-Prêts, with over 25 years of experience, can help you make the best out of this investment. Our consultants are trained to support you through your project and based on your individual situation, walk you through the steps towards finding you the perfect mortgage.
Renting or home ownership? Ask yourself these questions...
You are getting ready to invest in a new home, suddenly the doubt bug hits you. Is this the right time? What would be the amount of my mortgage payments?
To get a clearer picture, please enter your data in our calculator and you will get an estimate of your mortgage payments.
What you should know
Purchasing a home requires :
- A minimum downpayment of 5% of your purchase price and an extra 1.5% pertaining to other related acquisition fees.
- You must demonstrate you can afford to pay all other closing costs (notary, moving expenses, etc.)
Putting together the money required for a downpayment can be quite a challenge. Multi-Prêts will help you choose the solutions which suit your lifestyle, budget
and long-term financial needs. Whatever your requirements might be, we have the solution for you!
Obtain a mortgage that fits your financial position!
Thinking of purchasing a home? Take a step back and assess the pros and cons. Draft a realistic budget that will not put your financial health or lifestyle at risk. By determining your borrowing capacity, you will be in a better position to evaluate the feasibility of your project.
Once your financial capacity has been established, your Multi-Prets advisor will
work with you to find the mortgage that matches best your situation.
Our mortgage experts could also refer you to a real estate professional who
will guide you in finding the right neighborhood where you can live safely and fulfill yourself.
When should you contact a mortgage consultant?
Right from the start! Multi-Prêts’s mortgage consultants will accompany you through the entire mortgage financing process. They will determine with you which mortgage product best suits your needs while walking you through the different programs and subsidies available. They will also point out the closing costs related to buying a home.
Why do you need a pre-approval?
A pre-approved mortgage is the first step in the process of buying your home.
It allows you to :
- Determine your borrowing capacity.
- Establish the global budget for your purchase.
- Protect you from interest rate increases for up to 180 days, while allowing you to benefit from eventual rate cuts.
- Strengthen and add credibility to your negociations.
Pre-qualification : Allows you to protect yourself against interest rate increases.
No credit check is performed therefore there is no guarantee you will be able to
borrow the amount needed to buy your property.
Pre-approval : Offers you peace of mind and speeds up the process of your mortgage application. Since all your personal information will have been analyzed, you will only need to forward us the offer to purchase in order to complete the process.
