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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

What do we do if we just made an offer on a house, but haven’t sold our condo yet?

Start by asking yourself this one all-important questions: could you qualify for 2 mortgage loans – your current one on your condo and a new one for the house you want to buy? In effect, even...

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Can’t find the property you want to buy?

Shabby carpeting , splintered moldings, a bathroom from a bygone era, and a kitchen with old melamine cabinets…There always seems to be something wrong when looking around for a potential new...

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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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7 questions to ask yourself before buying a house to renovate

You found a house to die for, but it needs a lot of TLC? You want to buy a house to renovate it and sell it in 2, 5 or 10 years? Before starting a project of this scale, ask yourself the following 7...

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5 astuces pour rendre votre maison plus verte

Développement durable, efficacité énergétique, écoresponsabilité… il ne s’agit pas d’une mode passagère, mais plutôt d’un mode de vie. En effet, selon une étude réalisée en 2017...

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The questions you need to ask before deciding to move or upgrade your home

We often want to move because we want a bigger home. However, several factors, such as hesitating to leave a neighbourhood your family is fond of or the high cost of a larger home, might lead us to...

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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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Buying a property needing major renovation? Careful planning will bring big savings!

For over 5 years, you can no longer refinance* a mortgage for more than 80% of the market value of a home. Over the last 15 years, we have noticed that many of our clients return to our offices...

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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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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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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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Ne ne?gociez pas avec une seule institution financie?re

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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(Français) Ne sous estimez pas le volet paperasse de la transaction

Sorry, this entry is only available in French.

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(Français) Ne négligez pas l’évolution de vos besoins

Sorry, this entry is only available in French.

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(Français) Ne sous-estimez pas vos besoins réels

Sorry, this entry is only available in French.

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Use your RRSP as a down payment on a your real estate purchase.

How can you use your RRSP as a down payment on a real estate purchase? How do financial institutions manage this procedure? It’s really quite simple. If you are considered a first-time buyer*, ...

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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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Discover the grants available when you become a homeowner.

Did you know…? You can obtain government grants when you purchase your first home. You are entitled to free services concerning energy efficiency (Éconologis) when you are a new homeowner;...

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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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