All our brokers follow government directives to offer you a complete and safe experience!

Please note, thanks to our advanced and secured technology, we may provide our services remotely.

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

Sandra Allard

Mortgage Broker
Les hypothèques Sandra Allard Inc

(855) 371-7738
(866) 275-0123

395 rue Barkoff
Trois-Rivières, QC
G8T 2A5

Is it smart to use part of my RRSP’s to pay down debts so I can become a homeowner?

Marie-Pierre decided to buy a nice home in the suburbs.  However, when she applied for a loan with her financial institution, she was refused.  They explained to her that she was...

Read More
Has confinement given you the urge to renovate?

During this crisis period, we find ourselves spending a lot of time at home. And with the arrival of spring, renovations projects are very likely to bloom everywhere! We’d like to take a few...

Read More
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...

Read More
Speed up your mortgage payments and save money!

What is the difference between an accelerated weekly payment and a non-accelerated payment? Simple! If your mortgage costs you $1,000 a month, and you want to pay it weekly, your financial...

Read More
Good or bad debt?

What is a good debt? What is a bad debt? Knowing the difference between the two will make it easier to manage your debts and reduce their burden.   A debt by any other name… No one...

Read More
Should I choose monthly or weekly payments?

You have just completed the mortgage approval process, and the inevitable question from your mortgage broker or bank adviser crops up: do you want to make weekly or monthly payments? If you answer...

Read More
Who can be exempt from paying the welcome tax?

The welcome tax is also known as the land transfer tax. Former Minister Bienvenue had created this tax to allow municipalities to tax real estate transactions carried out on their territory as an...

Read More
Your home can be used as financial leverage.

Geneviève and Éric bought their home 8 years ago.  By refinancing their home for the maximum allowed (80% of the market value), they were able to free up $100,000 that they used as...

Read More
Is my mortgage renewal the ideal opportunity to look at restructuring my mortgage?

The answer to this question depends on your future projects and your current level of debt. In a nutshell, if you already have credit card debts, a line of credit, a personal or car loan, or a...

Read More
A place for your kids to live through university: Better to buy or rent?

With the high cost of rent, especially in Quebec City and Montreal, more and more parents are buying condos for their kids to live in while they’re at school. After all, they could probably...

Read More
Important Notice: If you have a Variable mortgage rate, what should you do?

To the surprise of many economists and analysts the Bank of Canada (BoC) has decided to increase its key lending rate for the second time in 2 months by another 0.25% on September 6th 2017.  This...

Read More
(Français) Le taux variable vous rend frileux? Voici de quoi vous faire changer d’idée!

Sorry, this entry is only available in French.

Read More
(Français) Le taux n’est pas toujours la variable la plus importante

Sorry, this entry is only available in French.

Read More
Down payments soon to be higher on some mortgages

On December 11, without addressing the risk of a potential real estate bubble, Federal Finance Minister Bill Morneau announced that down payments on mortgages between $500,000 and $1 million would be...

Read More
Ne ne?gociez pas avec une seule institution financie?re

Sorry, this entry is only available in French.

Read More
A private lender could help you find the missing funds needed to complete the construction of your home.

Louise and Roger decided to build their own home. Since they have a lot of construction and renovation experience they figured, “Why not build our own dream home and take advantage  of our...

Read More
(Français) Ne sous estimez pas le volet paperasse de la transaction

Sorry, this entry is only available in French.

Read More
(Français) Ne négligez pas l’évolution de vos besoins

Sorry, this entry is only available in French.

Read More
(Français) Ne sous-estimez pas vos besoins réels

Sorry, this entry is only available in French.

Read More

Subscribe to Newsletter


May 25 2020

1 Year Fixed 3.99% 2.49%
2 Years Fixed 3.89% 2.34%
3 Years Fixed 4.34% 2.39%
4 Years Fixed 4.89% 2.44%
5 Years Fixed 4.94% 2.29%
5 years Variable 2.45% 2.20%
7 Years Fixed 5.80% 2.44%
10 Years Fixed 6.60% 2.89%
HELOC 2.45% 3.05%

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!