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Jean-François Choquette

Jean-François Choquette

Mortgage Broker

Language(s):
French
English

jfchoquette@planipret.com
(514) 349-8999

1060 Boulevard Michèle-Bohec, Suite 101
Blainville, QC
J7C5E2

Your home can be used as financial leverage.

Geneviève and Éric bought their home 8 years ago.  By refinancing their home for the maximum allowed (80% of the market value), they were able to free up $100,000 that they used as...

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Is my mortgage renewal the ideal opportunity to look at restructuring my mortgage?

The answer to this question depends on your future projects and your current level of debt. In a nutshell, if you already have credit card debts, a line of credit, a personal or car loan, or a...

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Can refinancing my home solve my debt issues?

This is a question frequently asked concerning mortgage financing… I have credit card debt. Could my house be the solution to my debt issues? The answer is YES, if you have the necessary...

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Refinancing your mortgage can make your dream kitchen a reality!

You may wonder whether there is a way to use your mortgage to finance a specific project, such as a kitchen renovation. Let’s take a look at how it is not only possible, it is actually the most...

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Breaking your mortgage early: Is it worth it?

Mark and Isabelle have a $300,000 mortgage with bank ABC. They had planned to pay off their house over 25 years. They took out a 5-year fixed-rate loan at 4.6%. Two years before the maturity date,...

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Mortgage - 7 questions to ask your banker

Negotiating a mortgage is more complicated than negotiating just a rate. Unfortunately, clients too often lose thousands of dollars because they were poorly advised. Here are 7 questions that your...

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Le taux variable : une option avantageuse ?

Plus les risques sont grands, plus le rendement l’est également. Ce même principe s’applique également lorsque vient le temps de choisir une hypothèque. Opter pour une hypothèque au taux...

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Changing jobs during the mortgage application process has its risks!

Changing your job in the middle of your mortgage application (purchase, refinancing, renewal or investment) can cause you some serious problems. In order to obtain your mortgage approval with all the...

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Itching to renovate your home? Here’s how to make it happen.

After a visit with me at my office, Vanessa and Thomas decided to renovate their home to bring it up-to-date. They even took the opportunity to add a garage! Fifteen years ago, they paid $130,000...

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Refinancing a property can be advantageous.

Certain situations make it worthwhile to refinance your property: To maximize your RRSP in the framework of a plan drawn up by a financial planner; To finance a project at a lower cost (lower...

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How to purchase an income property when you renew your mortgage

For years, you have been thinking about investing in an income property. Why not take advantage of your mortgage renewal to refinance your property and to provide you with the 15% or 20% down payment...

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Christmas was magic! Now, how do I pay the debt racked up on my credit cards?

It’s January, cold and dark, and here you are, faced with a pile of debts and credit card bills that reflect your over-spending on holiday celebrations! You’ve received one or more bills? Can you...

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Important changes coming to mortgage financing standards

The Office of the Superintendent of Financial Institutions (OSFI) is currently studying the possibility of applying another major change that will affect anyone looking to purchase or refinance a...

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Important Notice: If you have a Variable mortgage rate, what should you do?

To the surprise of many economists and analysts the Bank of Canada (BoC) has decided to increase its key lending rate for the second time in 2 months by another 0.25% on September 6th 2017.  This...

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(Français) Le taux variable vous rend frileux? Voici de quoi vous faire changer d’idée!

Sorry, this entry is only available in French.

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Résilier son hypothèque avant terme : toujours rentable??

Marc et Isabelle ont une hypothèque de 300?000 $ avec la banque ABC. Ils ont prévu payer leur maison en 25 ans. Ils ont pris un prêt à taux fixe de 4,6 %, d’une durée de 5 ans. Deux ans...

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CMHC mortgage insurance premiums have been increased.

January 17th, 2017, the CMHC announced an increase in their mortgage insurance premium rates as of March 17th 1st of this year. This means that if you submit your insured financing to your...

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Important changes in the rules regarding mortgage financing effective October 17

On Monday, October 3rd, the Finance Minister of Canada announced a major change to the rules of mortgage financing, which will affect all clients currently in the process of purchasing a new...

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(Français) Le taux n’est pas toujours la variable la plus importante

Sorry, this entry is only available in French.

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A private lender could help you find the missing funds needed to complete the construction of your home.

Louise and Roger decided to build their own home. Since they have a lot of construction and renovation experience they figured, “Why not build our own dream home and take advantage  of our...

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What happens to a residence in a divorce?

William called me a few weeks ago to tell me that he is breaking up with his girlfriend. He wants to buy her part of the house they bought together 3 years ago. I had negotiated their initial...

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Make sure you have cash on hand to act quickly on a good deal!

Emmanuel and Julie were looking for an attractive rental property to invest the equity they had accumulated over the years on their home. Several criteria guided their search: they wanted one near...

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Get rid of your credit card debt!

Imagine this: your son is in immediate need of braces, but all your credit cards as well as those of your partner have reached their spending limit. Are you in a momentary bind? What if I told you I...

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Refinancing a property can be advantageous.

Certain situations make it worthwhile to refinance your property: To maximize your RRSP in the framework of a plan drawn up by a financial planner; To finance a project at a lower cost (lower...

Read More
When back to school expenses and your summer vacation leave you strapped for cash.

Your summer vacation was great, but your budget took a hit; back to school brings its own new expenses, and you have been carrying some credit card debt for far too long. Clearly, the passing time...

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Consider a 10-year term for your mortgage if you are worried about future interest rate increases.

Economic experts will tell you that, aside from 2 or 3 exceptions over the last 25 years, it has always been wise to take out a 1-year term or a variable mortgage. That being said, rates are...

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Secure a mortgage credit line without changing your current mortgage and WITHOUT ANY NOTARY FEES?

It is now possible to obtain a mortgage credit line at very competitive interest rates without changing you current loan, i.e. without any penalties. Effectively, if you have the necessary equity to...

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Make sure you are ready to sign at the notary.

You recently lived the hectic experience of finding a home: negotiating a price, getting the property inspected, preparing the documents needed for your mortgage application. You were also on the...

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Is a line of home equity credit (HELOC) accessible to everyone? Yes, but only if…

If  you need to finance less than 80% of the total value of your property,  you could have a portion of your mortgage in the form of a line of credit. The portion of your mortgage that comprises...

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RATES OF

April 19 2019

TERMS BANKS MORTGAGE PLANNERS
1 Year Fixed 4.09% 3.34%
2 Years Fixed 3.89% 3.19%
3 Years Fixed 4.44% 3.09%
4 Years Fixed 4.89% 3.24%
5 Years Fixed 5.34% 3.09%
5 years Variable 3.95% 2.95%
7 Years Fixed 5.80% 3.79%
10 Years Fixed 6.60% 4.14%
HELOC 3.95% 4.45%

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