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Mortgage Planners, who is it for?

People looking to get the right loan at the right conditions, because interest rates are not everything

First-time house buyers looking to start the process

People wanting to avoid costly penalty fees

People looking to renovate their property

People renewing their mortgage loan

People looking to re-borrow on their house loan for a project (investment, business project)

People looking to consolidate their debts

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RATES OF

2026-01-07 00:00:00

TERMS BANKS MORTGAGE PLANNERS
1 Year Fixed 7.14% 4.89%
2 Years Fixed 6.69% 4.24%
3 Years Fixed 6.35% 3.89%
3 year closed Variable 5.95% 4.45%
4 Years Fixed 6.29% 3.99%
5 Years Fixed 6.34% 3.94%
5 years Variable 5.20% 3.60%
Refinance Fixed or variable 7.65% 4.00%
7 Years Fixed 6.69% 4.59%
10 Years Fixed 7.14% 5.04%
HELOC 5.45% 4.95%

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Our Tips and Tricks

Debt Consolidation: Regain Control After the Holidays

The holiday season is magical—full of joy, family, and celebration. But let’s be honest: it can also leave behind a financial burden. Between gifts, festive meals, and little extras,...

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Fairstone and Laurentian Bank: A Powerful Partnership Bringing Greater Benefits to Clients

December 2, 2025 marks a major milestone in the Canadian banking sector: Fairstone Bank of Canada has acquired Laurentian Bank for $1.9 billion. This strategic alliance paves the way for a more...

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Real Estate and Remote Work: A Lasting Trend or a Shift? What It Means for Your Mortgage

Since 2020, remote work has transformed our habits and the Quebec real estate market. But a new directive from the Canadian government, which plans a gradual return to the office for its employees,...

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