× Our work Why it's free Our clients About us Our calculators Our tips & tricks Our rates Application Contact us Alert

Because it’s not just about the rate.

Let us orchestrate the details of your mortgage!

Mortgage Planners, who is it for?

Mortgages Planners Tools

Calculate your budget

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


Online Request

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



Whether it’s for a refinance or a new home, Plani-pret will always negotiate and help you understand your mortgage.


January 18 2022

1 Year Fixed 3.24% 2.19%
2 Years Fixed 3.04% 1.99%
3 Years Fixed 5.25% 2.44%
4 Years Fixed 5.25% 2.59%
5 Years Fixed 5.25% 2.34%
5 years Variable 5.25% 1.30%
7 Years Fixed 5.90% 2.79%
10 Years Fixed 6.60% 2.99%
HELOC 3.45% 2.95%


Our Tips and Tricks

Underused Housing Tax: a major change for homeowners living abroad

On January 1, 2022, the federal government introduced a new tax: the UHT, or Underused Housing Tax. The UHT is calculated by multiplying the assessed value of residential real property by the 1% UHT...

Read More
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...

Read More
Creating financial padding by using a line of credit – is it a good idea?

 Let’s say it how it is – the COVID-19 pandemic crisis raises a lot of concerns, on both the health and finance front. Will I still have a job in a week? Will I go back to work...

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!