A mortgage broker is a professional who specializes in researching and negotiating mortgage loans or other real estate financial products. They act as an intermediary between you and financial institutions, whether private or alternative, to find you the most advantageous rates and terms. Using a broker saves you time and money, as you don’t have to shop around for each bank or lender yourself. Plus, you benefit from the expertise and advice of a professional who knows the market and negotiates on your behalf.

At Hypothèque Approuve, we offer a full range of financing solutions:

• Mortgage Brokerage: Searching for the best real estate loan (residential or commercial) from partner banks and lenders.
• Bank Financing: Working with all major Canadian financial institutions to obtain the lowest rates.
• Private Financing: Fast and flexible solutions for more complex or urgent projects.
• Alternative Financing: Loans tailored to individuals with atypical incomes or less favorable credit histories.

• Comparison of offers: The broker shops multiple banks and lenders to find the best terms, whereas a bank only offers its own products.
• Potential savings: By comparing rates and fees, you could save on the total cost of your mortgage.
• Personalized support: The broker takes the time to understand your situation, your goals, and your financial profile to offer you a tailor-made solution.
• Time savings: You avoid repetitive procedures and let your broker handle most of the administrative formalities.

1. Complete our online form: We analyze the information you provide (income, debts, goals, etc.).
2. Initial contact: An advisor calls or writes to clarify certain details and refine your profile.
3. Search for financing: We compare offers from our partners (banks, private lenders, alternative lenders) to find the one that best meets your needs.
4. Presentation of options: We explain the rates, repayment terms, and associated conditions.
5. Selection and finalization: You select the solution that suits you, then we assist you until the final signature.

Sometimes, some people are unable to obtain financing through traditional banking channels. In these situations, we can direct you to private or alternative financing solutions. These options are more flexible and suited to a variety of financial profiles (fixed-term contracts, self-employment, difficult credit histories, etc.). While rates may be higher than those of banks, our role is to negotiate the best possible deal for you.