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Our Tips and Tricks

Mortgage renewal

Faster mortgage repayments.

It’s simple. Just make early refunds for the duration of your loan, thus reducing interest costs and, at the same time, accelerating the repayment of your mortgage debt. You can increase the...

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Should you renegotiate your mortgage before maturity?

Marc and Isabelle have a $300,000 mortgage with the ABC Bank. They planned to pay off their house in 25 years. They took a loan at a fixed rate of 3.45% on a 5-year term. Two years before the date of...

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Your mortgage renewal could reduce your debts.

A car financed at 5%, a line of credit at 9%, credit cards at 19%… Have you ever made a comprehensive list of your current debts?  Many Quebeckers prioritize paying off their mortgage,...

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Changing jobs during the mortgage application process has its risks!

Changing your job in the middle of your mortgage application (purchase, refinancing, renewal or investment) can cause you some serious problems. In order to obtain your mortgage approval with all the...

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Everything about the house is perfect except for the kitchen. What are my options?

Although the kitchen, the bathrooms as well as the floors are rarely to our taste when we visit houses for sale, is this a reason to reject a house that has many other assets? The CMHC...

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Itching to renovate your home? Here's how to make it happen.

After a visit with me at my office, Vanessa and Thomas decided to renovate their home to bring it up-to-date. They even took the opportunity to add a garage! Fifteen years ago, they paid $130,000...

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How to purchase an income property when you renew your mortgage

For years, you have been thinking about investing in an income property. Why not take advantage of your mortgage renewal to refinance your property and to provide you with the 15% or 20% down payment...

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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...

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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...

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Can I shop my mortgage renewal ?

When the time comes to renew your mortgage, are you the type to accept the first offer or to shop around to get the best possible product? Surprisingly, barely half of Quebecers try to get a better...

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Christmas was magic! Now, how do I pay the debt racked up on my credit cards?

It’s January, cold and dark, and here you are, faced with a pile of debts and credit card bills that reflect your over-spending on holiday celebrations! You’ve received one or more bills? Can you...

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Important changes coming to mortgage financing standards

The Office of the Superintendent of Financial Institutions (OSFI) is currently studying the possibility of applying another major change that will affect anyone looking to purchase or refinance a...

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

Sorry, this entry is only available in French.

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CMHC mortgage insurance premiums have been increased.

January 17th, 2017, the CMHC announced an increase in their mortgage insurance premium rates as of March 17th 1st of this year. This means that if you submit your insured financing to your...

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Renegotiate your mortgage before it comes up for renewal

Karine contracted a mortgage loan three years ago and there are two years remaining before the end of the term. Her mortgage interest rate is 4%. During a discussion with a colleague, she learns...

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

Sorry, this entry is only available in French.

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(Français) Transiger avec un courtier hypothécaire Planiprêt se fait sans frais

Sorry, this entry is only available in French.

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Get rid of your credit card debt!

Imagine this: your son is in immediate need of braces, but all your credit cards as well as those of your partner have reached their spending limit. Are you in a momentary bind? What if I told you I...

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Discover the grants available when you become a homeowner.

Did you know…? You can obtain government grants when you purchase your first home. You are entitled to free services concerning energy efficiency (Éconologis) when you are a new homeowner;...

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Consider a 10-year term for your mortgage if you are worried about future interest rate increases.

Economic experts will tell you that, aside from 2 or 3 exceptions over the last 25 years, it has always been wise to take out a 1-year term or a variable mortgage. That being said, rates are...

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Secure a mortgage credit line without changing your current mortgage and WITHOUT ANY NOTARY FEES?

It is now possible to obtain a mortgage credit line at very competitive interest rates without changing you current loan, i.e. without any penalties. Effectively, if you have the necessary equity to...

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Is a line of home equity credit (HELOC) accessible to everyone? Yes, but only if…

If  you need to finance less than 80% of the total value of your property,  you could have a portion of your mortgage in the form of a line of credit. The portion of your mortgage that comprises...

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August 13 2020

1 Year Fixed 3.99% 1.94%
2 Years Fixed 3.89% 1.94%
3 Years Fixed 4.34% 1.94%
4 Years Fixed 4.89% 1.94%
5 Years Fixed 4.94% 2.04%
5 years Variable 2.45% 1.95%
7 Years Fixed 6.00% 2.19%
10 Years Fixed 6.60% 2.64%
HELOC 2.45% 3.05%