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Jean-François Chalifoux

Jean-François Chalifoux

Mortgage Broker

Language(s):
French
English

jfchalifoux@planipret.com
(514) 549-3624

1545 boulevard de l'Avenir , 220
Laval, QC
H7S 2N5

Because it’s not just about the rate.

Let us orchestrate the details of your mortgage!

Home buyer
Commercial
Mortgages
Refinance

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

People looking for professional guidance in every step of the mortgage loan process.

Mortgages Planners Tools

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

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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

2026-02-10 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% 3.79%
3 year closed Variable 5.95% 4.45%
4 Years Fixed 6.29% 3.94%
5 Years Fixed 6.34% 3.99%
5 years Variable 5.20% 3.50%
Refinance Fixed or variable 7.65% 3.75%
7 Years Fixed 6.69% 4.49%
10 Years Fixed 7.14% 5.04%
HELOC 5.45% 4.95%

PARTNERS

Our Tips and Tricks

Can I Use the Increase in My Home’s Value to Maximize My RRSP?

With rising real estate values in recent years, many homeowners are asking an important question: Can I use the increase in my home’s value to maximize my RRSP? The answer is yes, in certain...

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Costs to Consider When Buying a Property in Quebec

Buying a home is an exciting milestone—especially for first time buyers—but it also comes with several costs that are often underestimated. Many buyers mistakenly believe that the down...

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Preparing Your Mortgage Application: The First Step Toward Successful Financing

Are you considering purchasing a property or refinancing to bring new projects to life? Before taking the next step, properly preparing your mortgage application is essential. A well-organized file...

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