Artificial intelligence tools can help explain the basics of mortgage financing. However, in her discussion with Les Affaires, Véronique Caron, an associate mortgage broker with Multi-Prêts, pointed out that AI cannot build a true strategy. Explaining a rate or an amortization period, yes. Tailoring a mortgage to a personal situation, no.
Where AI Reaches Its Limits
As soon as a situation goes beyond numbers, the limitations become clear. Planning for a future family, assessing the impact of a career change, choosing a structure aligned with long-term goals, these are elements AI cannot anticipate. Most importantly, it cannot account for emotions. Finding the perfect home while yours has not yet sold may make sense on paper, but are you truly comfortable carrying two mortgages for several weeks? As Véronique notes, these human nuances are completely beyond the reach of automated tools.
The Right Questions That Change Everything
This is exactly where the broker’s role becomes essential. A professional sees what AI cannot: hesitation, unspoken concerns, and subtle signals that influence financial decisions. A broker asks the critical questions, even those you might not think to ask yourself, whether they involve family plans, a future move, or changes in income. A well-adapted strategy can often translate into thousands of dollars in savings.
Guidance That Goes Far Beyond a Rate
AI can be a useful starting point, but it does not replace human expertise. At Multi-Prêts, our mortgage brokers take the time to assess your entire situation in order to propose a solution that truly reflects your needs. A mortgage is not just about the rate, it is a thoughtfully designed structure, tailored to your reality and built with an expert who supports you from start to finish.