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Paolo Folco

Paolo Folco

Mortgage Broker

Language(s):
French
English

pfolco@planipret.com
(514) 602-2932

740 Rue St-Maurice , bur. 600
Montréal, QC
H3C 1L5

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

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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

2026-01-07 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% 3.89%
3 year closed Variable 5.95% 4.45%
4 Years Fixed 6.29% 3.99%
5 Years Fixed 6.34% 3.94%
5 years Variable 5.20% 3.60%
Refinance Fixed or variable 7.65% 4.00%
7 Years Fixed 6.69% 4.59%
10 Years Fixed 7.14% 5.04%
HELOC 5.45% 4.95%

PARTNERS

Our Tips and Tricks

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December 2, 2025 marks a major milestone in the Canadian banking sector: Fairstone Bank of Canada has acquired Laurentian Bank for $1.9 billion. This strategic alliance paves the way for a more...

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Real Estate and Remote Work: A Lasting Trend or a Shift? What It Means for Your Mortgage

Since 2020, remote work has transformed our habits and the Quebec real estate market. But a new directive from the Canadian government, which plans a gradual return to the office for its employees,...

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