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Josée Beauregard

Josée Beauregard

Mortgage Broker

Language(s):
French
English

jobeauregard@planipret.com
(514) 708-2176

9160 boul. Leduc , 410
Brossard, QC
J4Y 0E3

Don't let a new car ruin your dream of home ownership!

Vanessa and Julien decided  it was time to leave their apartment and buy a house. They are excited about becoming home owners.  Bye-bye rent! Following the advice of some friends, they...

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Unlocking Financial Options for Aging in Place: A Guide to Reverse Mortgages for Supporting Your Parents' Independence in Retirement

If your parents wish to age in place but you believe they don't have sufficient funds to cover the cost of such a choice, there is an alternative solution. Reverse mortgages can provide your parents...

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Swap your bungalow for a condo!

Their youngest has just left the nest. Jocelyne and Jean-Luc are in the mood to travel and enjoy some well-deserved R&R. Mowing grass and shoveling snow are not part their retirement dream. They...

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Optimizing Your Assets: The Benefits of Mortgage Refinancing"

Mortgage refinancing sometimes gets a bad rap, often likened to recklessly tapping into one's home equity as though it were an ATM. However, this viewpoint only paints a partial picture. Beyond the...

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Highlights, Economic and Financial Review

Global growth is showing signs of slowing as the full effect of interest rate hikes is starting to be felt more acutely. The central banks have indicated that policy rates will have to remain...

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The secrets to building a solid credit profile!

Whether you are young or have reached a certain age, having a strong credit history is essential to realizing your dream of owning a property. Your credit profile plays a crucial role when applying...

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Mortgage refinancing: a solution for paying off your debts

With the rise in interest rates and inflation, you may be losing your ability to make your credit card payments. Credit card debt with interest rates of 20% or more can be harder to pay off. However,...

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Is it smart to use part of my RRSP’s to pay down debts so I can become a homeowner?

Marie-Pierre decided to buy a nice home in the suburbs.  However, when she applied for a loan with her financial institution, she was refused.  They explained to her that she was...

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A home equity line of credit... Why not?

A home equity line of credit is very useful for real estate projects. Whether you want to renovate your home, buy a second home, or use it as a backup in case of unforeseen circumstances, your...

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Debt consolidation via a mortgage

Debt consolidation consists in borrowing a single amount of money with a financial institution to pay all of your debts. This way, you end up with a single payment which greatly facilitates the...

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First-time home buyer incentive

What is it? The First-Time Home Buyer Incentive (FTHBI) is a government program that helps first-time home buyers* reduce their monthly mortgage payment without increasing their down...

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Should I choose monthly or weekly payments?

You have just completed the mortgage approval process, and the inevitable question from your mortgage broker or bank adviser crops up: do you want to make weekly or monthly payments? If you answer...

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Good or bad debt?

What is a good debt? What is a bad debt? Knowing the difference between the two will make it easier to manage your debts and reduce their burden.   A debt by any other name… No one...

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Your mortgage renewal could reduce your debts.

A car financed at 7%, a line of credit at 9%, credit cards at 19%… Have you ever made a comprehensive list of your current debts?  Many Quebeckers prioritize paying off their mortgage,...

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Do I need to have my mortgage pre-approved if I’m planning to buy a condo?

The short answer is no, but your real estate agent and mortgage broker strongly recommend it. Here’s why: You will be spending a lot of time with your real estate agent because they will be...

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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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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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Could you be exempt from the welcome tax?

The "welcome tax", also known as the "property transfer tax", is an amount that a municipality must collect when a property located on its territory is transferred.  This tax was created to...

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Which Option is Best for You?

Should you stick with the stability of a fixed mortgage rate or roll the dice with a variable? It’s one of the most difficult decisions faced by new homebuyers and homeowners who are renewing...

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

It’s February, 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...

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Purchasing with Peace of Mind : The Impact of the Credit Bureau on Your Buying Plans

Your credit score is a comprehensive record of your financial history, which potential lenders can access to evaluate your capacity to repay your debts. When you’re in the process of buying a...

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After a year of global pandemic, it's time to take a look at your financial situation

At this time last year, we were quietly going about our business. Life was happening at full speed until one day the world plunged into the unknown.This global pandemic has challenged many of our...

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How to find out about your credit rating.

There are essentially two private credit rating firms that produce credit scores which the banks will consider while analyzing your mortgage application. The most well known is Equifax, the other one...

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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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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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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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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

2024-03-28 00:00:00

TERMS BANKS MORTGAGE PLANNERS
6 months Fixed 7.94% 7.55%
1 Year Fixed 7.89% 6.79%
2 Years Fixed 7.49% 6.14%
3 Years Fixed 7.14% 5.09%
4 Years Fixed 6.99% 4.94%
5 Years Fixed 6.84% 4.79%
5 years Variable 7.65% 6.25%
Refinance Fixed or variable 10.40% 5.09%
3 year closed Variable 8.60% 7.20%
7 Years Fixed 7.10% 4.94%
10 Years Fixed 7.49% 5.79%
HELOC 8.20% 7.70%

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