× Our work Why it's free Our clients About us Our calculators Our tips & tricks Our rates Application Contact us Alert Career
Broker Access
Commercial access
Client access
Melanie Lachaine

Melanie Lachaine

Mortgage Broker

Language(s):
French
English

mlachaine@planipret.com

190 rue Murray , 601
Montréal, QC
H3C 2C7

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

Calculate your budget

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

Calculate

Online Request

Apply online it’s entirely confidential and get your answer today.

Apply

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

2025-08-14 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% 4.04%
3 year closed Variable 6.35% 4.95%
4 Years Fixed 6.29% 4.09%
5 Years Fixed 6.34% 4.14%
5 years Variable 5.40% 4.20%
Refinance Fixed or variable 8.15% 4.24%
7 Years Fixed 6.69% 4.59%
10 Years Fixed 7.14% 5.04%
HELOC 5.95% 5.45%

PARTNERS

Our Tips and Tricks

Changing jobs during the mortgage application process has its risks!

Receiving an exciting job offer while you're in the middle of buying a home may seem like great news. But be careful—a job change at the wrong time can jeopardize your mortgage...

Read More
Paying Off Your Mortgage Early: What You Need to Know About Penalties in 2025

Many homeowners dream of becoming mortgage-free ahead of schedule. But before writing that final cheque or transferring your loan, it’s essential to understand the potential costs involved. In...

Read More
A mortgage for self-employed : Can it be possible?

Yes, it’s possible! The main difference between a salaried employee and a self-employed worker when qualifying for a mortgage lies in how eligible income is determined. Each situation has its...

Read More
More Tips and Tricks

Sign up for our alerts and receive one of the following:

  • Our Tip of the week, and/or
  • Our Monthly summary of our tips, and/or
  • 2-4 emails a year on major changes in the field, and/or
  • Renewal; 3 emails 8 months, 6 months, 3 months before the end of your mortgage loan, and/or
  • Tips and tricks for buyers; sequence of 24 emails over 24 weeks

In addition to receiving the information, you will have access to our calculators, our rates and our contact information.

Let us orchestrate the details of your mortgage!