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Lilianne Benoit

Lilianne Benoit

Mortgage Broker

Language(s):
French
English
Spanish

lbenoit@planipret.com
(514) 884-4221

1545 Boul. de l’Avenir , 220
Laval, QC
H7S 2N5

Making sense of a pre-qualification and a pre-authorization

Thinking of buying a property? You must first find out how much you can actually afford to pay for this important purchase. Your financial institution (or lender) must take many factors into...

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Find out how to calculate the mortgage you can afford

To determine the maximum mortgage amount you are eligible for, it is essential to consider several factors, including your repayment capacity and the limits imposed by financial institutions and the...

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Buying a new home? You may be eligible for a GST and QST rebate!

Buying a new home can be an exciting project, but it comes with its share of government fees. Traditionally, when you buy a new home, you must pay the Goods and Services Tax (GST) and the Quebec...

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CHMC: WHAT IS IT, ANYWAY?

You want to buy a house, but don’t have the required 20% down payment. This is when you are offered the CMHC loan insurance. But what is the CMHC?  Why do we offer this insurance?  Is...

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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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Key factors for mortgage approval

Getting ready to start looking for a property? To do so, you will need a mortgage pre-approval. Although this is the maximum amount you could get, it does not guarantee that you will obtain a proper...

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Simulation of expenses related to the purchase of a $400,000 property

For those looking to find out the costs related to buying a property, here is an example: Scenario: $400,000 home with a 5% down payment Standard rate: 95% financing: 4.00% 90%...

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Becoming a homeowner with an income property - something to think about!

Before buying a house with rent income, you must consider several key points. The Mortgage Planners team invites you to consider both sides of the coin. Advantages An extra, steady income The...

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Documents to include with your mortgage application

1) Proof of income: Of all the documents you need to provide for your loan application, proof of income is the most important, the most difficult to find, and the one that will take the most effort....

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Strategies to Avoid, Reduce, or Navigate Mortgage Penalties

If you are currently tied to a mortgage for several more years, you might feel trapped. Whether considering refinancing, mortgage transfer, or even early renewal, you could face substantial...

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Discover CMHC's "Homebuying Step by Step" Guide

Canada Mortgage and Housing Corporation is giving you a guide for everything you need to buy a home in Canada.This workbook provides worksheets, calculators and checklists for each step in the...

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The HBP – your ally when purchasing your first property

The down payment required to purchase your first property is often a daunting financial headache. But did you know that the Home Buyers' Plan (HBP) can be a feasible solution to obtain the required...

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Buying your first home? 5 mistakes to avoid

Looking for your first home? What exciting project! At Mortgage Planners, we have your best interests at heart. Therefore, we want to warn you against the most common mistakes made by our...

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Housing Market Highlights

Source: Housing and Mortgage Market Review   The Bank of Canada’s soft landing is on track…for now   Highlights: The inflation fight is progressing well, but the Bank...

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Tips for improving your credit rating

You've been thinking about starting the process of buying your first home in the next few months and you're concerned about the viability of your credit rating. Is your concern caused by poor credit...

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The FHSA: a new ally for first-time homebuyers

Last year, the Canadian government announced the creation of a registered account that can help you save money, tax-free, for your first home purchase. In this article, we invite you to learn about...

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Everything about the house is perfect except for the kitchen. What are my options?

Although the kitchen, the bathrooms as well as the floors are rarely to our taste when we visit houses for sale, is this a reason to reject a house that has many other assets? The CMHC...

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Falling in love with your dream house - how to get the information you need to help you with your decision

Karen and Carl live in a beautiful, cozy house in the Laurentians. During a walk on a beautiful Sunday, they found a house for sale, hidden in the woods. The real estate broker was there and showed...

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Buying a house owned by your parents - the equity gift

Seven years ago, Emrick and the mother of his children separated. At the time of the break-up, an important decision was made: Emrick would become the owner of the family home. To do so, he asked his...

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Save $240 per month with the Government of Canada's First-Time Homebuyer Incentive!

You may already be aware of this, but did you know that the federal government's first-time homebuyer incentive can help you buy your first home? In fact, this incentive helps you without increasing...

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Affordability 101: tips for future homeowners

AFFORDABILITY 101: TIPS FOR FUTURE HOMEOWNERS Always dreamt of owning a home but confused by all that complex real estate lingo? Don't worry, we’re here to help! Today we’re going...

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All you need to know about subsidy programs that make homeownership easier!

Over the past few years, housing affordability has become a forgotten dream for some. The advent of the COVID-19 pandemic, the fluctuations of the economy linked to this same pandemic - but also...

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Incentive programs and measures available for the purchase of a property

Are you considering buying a house or a condo? Are you wondering if there are incentive programs and measures available and tailored to your financial situation? The first thing to do is to reach out...

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Buying a home when you’re new to Canada: It’s easier than you think!

Are you new to Canada and think that buying a home is out of reach? Think again! With good planning and sound advice from real estate and mortgage brokers, it can be done. Common myths New...

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The booming Quebec real estate market

version française

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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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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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