× 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
Ryan La Haye

Ryan La Haye

Mortgage Broker

Language(s):
French
English

rlahaye@planipret.com
(450) 629-3101
(450) 629-3101

1545 Boulevard de l'Avenir , Bureau 220
Laval, QC
H7S 2N5

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

2026-06-11 00:00:00

TERMS BANKS MORTGAGE PLANNERS
1 Year Fixed 6.89% 4.84%
2 Years Fixed 6.34% 4.24%
3 Years Fixed 6.19% 4.04%
3 year closed Variable 5.95% 4.45%
4 Years Fixed 6.24% 4.09%
5 Years Fixed 6.29% 4.09%
5 years Variable 5.40% 3.55%
Refinance Fixed or variable 7.65% 3.80%
7 Years Fixed 6.69% 4.44%
10 Years Fixed 7.14% 5.04%
HELOC 5.45% 4.95%

PARTNERS

Our Tips and Tricks

30-Year Amortization: A Breath of Fresh Air... That Can Cost You Dearly

Since fall 2024, insured buyers can access a 30-year amortization. For many, it's a lifeline. For others, it's a well-packaged trap. Here's Sophie's story, and why she almost made the wrong...

Read More
Separation and Your Mortgage What Nobody Explains When It Happens

When Béatrice and Loïc decided to separate after twelve years together, their first instinct wasn't to call a lawyer. Or a broker. They assumed it would somehow sort itself out. Six...

Read More
Renewing Your Mortgage Just Before Selling: The Mistake That Costs Thousands

Marc and Julie signed their mortgage renewal in January. Five months later, they decided to sell their home and upgrade to something bigger. What they hadn't factored in was how much that decision...

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!