× Our work Why it's free Our clients About us Our calculators Our tips & tricks Our rates Application Contact us Alert Career
Dany Giroux

Dany Giroux

Mortgage Broker

Language(s):
French
English

dgiroux@planipret.com
(819) 640-1192

1188 Avenue Union , 136
Montréal, QC
H3B 0E5

Because it’s not just about the rate.

Let us orchestrate the details of your mortgage!


Mortgage Planners, who is it for?

Mortgages Planners Tools

Calculate your budget

Let us help you budget your mortgage so there are no surprises

Calculate

Online Request

Apply online it’s entirely confidential and get your answer today.

Apply

WHY CHOOSE US

Whether it’s for a refinance or a new home, Plani-pret will always negotiate and help you understand your mortgage.

RATES OF

2026-03-13 00:00:00

TERMS BANKS MORTGAGE PLANNERS
1 Year Fixed 6.89% 4.89%
2 Years Fixed 6.34% 4.24%
3 Years Fixed 6.19% 3.84%
3 year closed Variable 5.95% 4.45%
4 Years Fixed 6.24% 3.89%
5 Years Fixed 6.29% 3.89%
5 years Variable 5.20% 3.50%
Refinance Fixed or variable 7.65% 3.75%
7 Years Fixed 6.69% 4.34%
10 Years Fixed 7.14% 5.04%
HELOC 5.45% 4.95%

PARTNERS

Our Tips and Tricks

Is Buying with a 5% Down Payment a Smart Move or a Risky Decision?

For many first time buyers, the same question often comes up. Is it a good idea to buy a property with only a 5% down payment? Some people say it is too risky. Others say you should enter the market...

Read More
5 Mistakes to Avoid When Buying Your First Home

Buying your first home is a major milestone and often an emotional one. Between the excitement of property visits and important financial decisions, it’s easy to make mistakes that can be...

Read More
What You Absolutely Need to Understand About Mortgage Penalties Before Signing

When comparing mortgages, your focus naturally goes to the interest rate. That’s normal! However, many homeowners discover too late that the advertised rate is not the true cost of a...

Read More
More Tips and Tricks

Sign up for our alerts and receive one of the following:

  • Our Tip of the week, and/or
  • Our Monthly summary of our tips, and/or
  • 2-4 emails a year on major changes in the field, and/or
  • Renewal; 3 emails 8 months, 6 months, 3 months before the end of your mortgage loan, and/or
  • Tips and tricks for buyers; sequence of 24 emails over 24 weeks

In addition to receiving the information, you will have access to our calculators, our rates and our contact information.

Let us orchestrate the details of your mortgage!