Mortgage broker in Montréal We don't just find a mortgage. We build a strategy around your goals.

We compete on rate and win it — with 30+ lenders in competition, our pricing is sharp, and not every rate we access can be published online. But a rate you can't keep, or one attached to a penalty that traps you, isn't a saving. We start with the strategy and negotiate the rate inside it.

About 30 minutes. We ask where you want to be in one, five and ten years, then go through income, property, debts, carrying costs and timing. No credit check to start, nothing to sign. You get a written summary with two or three options and our honest read on each.

No. Our service is free to you — the lender compensates us when a mortgage funds. There's zero obligation or cost at any stage, and we never share your information with third parties. On the alternative and private side, any lender or broker fee is disclosed to you in writing before you commit to anything.

It's most of what we do. Self-employed income, dividends and retained earnings, multiple corporations, rental portfolios, bonus or commission income, newcomers with foreign assets — each has lenders who read it properly and lenders who won't. Presenting the file correctly is usually the difference between declined and approved.

A decline is a data point, not a verdict — it usually means the file went to the wrong lender or was presented badly. We look at alternative and private options for the short term, then build the 12–24 month plan that moves you back to a prime lender at a normal rate.

Often, significantly — moving 20% credit-card debt into secured financing changes the monthly picture far more than a small rate improvement. It has to be done with eyes open: you're converting short-term debt into long-term debt, and there are penalties and costs to weigh. We quantify all of it, and we'll say so plainly when it isn't worth doing.

Completely. Your information goes to lenders only when you tell us to submit, it's never shared with third parties, and much of our work is with clients whose situations are personal or commercially sensitive. Discretion is part of the service.

Greater Montréal, across Québec and throughout Ontario, from our head office in Saint-Laurent. We work in English, French, Russian and Bulgarian — in person, by phone or by video, whichever suits you.

Check that the broker is authorized by the AMF, how many lenders they work with, and whether they explain options in writing — including penalties, prepayment terms and total cost. Experience with your situation matters too: self-employed income, plexes, renewals or credit repair. Stan Rashev has 22 years of experience and works with 30+ lenders.

A bank can only offer its own products. A mortgage broker compares many lenders — banks, monolines, credit unions, alternative and private lenders — and negotiates on your behalf. For most residential mortgages, the lender pays the broker, so the service costs you nothing.

Mortgage brokerages like ours review your situation, shop the market, prepare and submit your file, negotiate the rate and terms, and coordinate with the notary through closing. We also review your mortgage again before every renewal.