Frequently Asked Questions

Yes, my services are completely free when working with Schedule A banks, which are the major lenders in Canada. In some cases involving alternative or private lending, there may be a broker fee—but this is always discussed upfront and only applies when traditional financing isn't an option. Transparency is key, and you'll never be surprised by hidden costs.

As a mortgage broker, I’m primarily paid by commission directly from the lender once your mortgage is finalized—so there’s no cost to you when working with traditional lenders. I also offer referral fees to real estate brokers, financial planners who refers a client to me, as a thank-you for trusting me with their network. These referrals are greatly appreciated and help more clients get the right mortgage support.

Working with a mortgage broker gives you access to multiple lenders—not just one bank—so you can compare rates, products, and terms to find the best fit for your unique situation. I act as your advocate throughout the process, handling the paperwork, negotiating on your behalf, and saving you time and stress. Unlike a bank, my goal isn’t to sell you one product—it’s to find the mortgage that works best for you.

It’s a good idea to start thinking about your mortgage renewal around 4 to 6 months before your term ends. This gives you time to review your current rate and terms, assess your financial goals, and explore better options if they’re available. Lenders often send a renewal offer close to the end of your term, but don’t feel pressured to accept it right away—there could be more competitive solutions out there. As your broker, I can help you compare and negotiate the best renewal for your needs.

Yes, self-employed individuals can absolutely qualify for a mortgage! The process is a bit different, as lenders typically look for at least two years of income documents, such as tax returns, financial statements, and Notices of Assessment. Some lenders also offer flexible programs designed specifically for business owners. As your broker, I can guide you through the documentation and match you with lenders who understand self-employed income. It’s all about presenting your financial picture in the best light.

Item descriYes, refinancing your mortgage to consolidate high-interest debt—like credit cards or personal loans—can be a smart financial move. By tapping into your home equity, you can roll multiple debts into one lower-interest mortgage payment, which can help improve your monthly cash flow and reduce financial stress. I’ll help you assess if it’s the right time to refinance, run the numbers, and guide you through the process from start to finish.ption

As a licensed mortgage broker in Quebec, I’m able to assist clients across the entire province—from the city of Montreal to the most remote regions. Whether you’re buying your first home on the West Island or refinancing in Quebec City, I’m here to help you find the best mortgage solutions no matter where you are.

Yes, I am fully licensed with the Autorité des marchés financiers (AMF), which is the regulatory body overseeing financial services in Quebec. This means I adhere to strict industry standards and ethics, ensuring you receive professional, transparent, and reliable service throughout the mortgage process.