Skip to content

Your mortgage broker.

Black-and-white aerial view of Montreal and the Farine Five Roses sign
Purchase · Renewal · RefinancingAcross Québec

I compare offers from more than twenty lenders and negotiate for you.

Share my situation

What I’ll do for you.

I put lenders in competition

Your bank offers its own products. I make more than twenty lenders compete on the same file: same balance, same horizon, same terms.

I build a file that holds up

Variable income, self-employment, a partial down payment: every lender reads these situations its own way. I know which one looks at what, and I present yours accordingly.

I negotiate through to signing

Payment, interest, fees, penalty method: I compare the terms, make the case for your file, and stay on it through the notary.

Three steps.

We start by talking. The file comes after.

Black-and-white view of a Quebec bridge crossing the river

You write to me

Your project, the date that matters, what you already know. Five minutes is enough.

I build the file

I flag the missing pieces, then compare lenders on the same balance and horizon: payment, interest, fees, penalty.

You decide

What’s confirmed, what still depends on the lender, what’s left to sign. Nothing goes out without you.

See Mathieu’s role
Mathieu St-Onge, mortgage broker

A bank offers its products. I compare products from several lenders.

I prepare the application, present the options, and stay on the file through signing at the notary. The lender keeps the final say on credit and the property, but between you and them, there’s someone negotiating on your side.

About Mathieu

A service for every situation.

Buying, renewing, refinancing, or a rental project: we start from your situation, never from a template.

Quebec residential landscape surrounded by autumn coloursHome purchaseQuebec residential neighbourhoodFirst purchaseQuebec residential neighbourhood along the waterMortgage renewalAerial view of Montreal at sunsetMortgage refinancingUrban view of MontrealDebt consolidationA self-employed worker’s workspaceSelf-employedQuebec residential buildingsRental propertySamuel De Champlain Bridge at sunset with Montreal on the horizonNewcomerQuebec cityscape at duskPrivate mortgageAerial view of a Quebec town and its river in autumnMortgage pre-approvalResidential towers along the river at sunsetHome equity line of creditThe ferris wheel and the Old Port basin in MontrealPurchase plus improvementsThe Laviolette Bridge over the St. Lawrence RiverSecond homeThe highway leading to the Quebec City bridgesBridge loanThe Port of Montreal and downtown at sunriseCommercial mortgageThe Samuel De Champlain Bridge lit at duskFlip mortgageDowntown Montreal and the Farine Five Roses sign in winterReverse mortgageThe Samuel De Champlain Bridge and the river at duskSeparation and buyoutThe Quebec City bridges over the riverCo-signer and guarantorDowntown Montreal and its construction cranes at sunsetSelf-buildThe Laviolette Bridge seen from the river shore at sunsetMortgage after a bankruptcyThe Farine Five Roses sign and downtown MontrealPorting your mortgageSee all services

Your deductions work against you. Not with everyone.

You deduct expenses to pay less tax, and your net income looks smaller than your real capacity. Some lenders have programs that recognize gross income or add back eligible expenses. I know which ones.

View the service

The guides, to prepare before you call.

One guide per project: what to gather, what the lender checks, and where it usually stalls.

Buying a property in Quebec

Down payment, documents, prequalification and the financing condition, in order.

Renewing without deciding on the rate alone

Compare the offer you received with other lenders, on the same balance and term.

Refinancing with a clear goal

The total cost, the penalty, and what is actually left once the fees are paid.

Analyzing a rental property

The rents the lender counts, the expenses, and the required down payment.

All guides

Across Québec, without the drive.

The file comes together by phone, video call and document exchange. Local notes, city by city:

The questions that keep coming up.

When should I call you?

Before making an offer, a few months before a renewal deadline, or as soon as a refinancing project takes shape. The earlier you call, the more options you have.

Which documents should I prepare?

For the first call, none. We talk, I understand your situation, and then I tell you which records to pull. Usually: your income proof, your debts, and your down-payment statements.

Does prequalification guarantee financing?

No, and that matters before you remove a financing condition. The lender still has to review your current documents, your credit and the property. I tell you what is confirmed and what isn’t.

Can you check my renewal offer?

Yes, and you should let me. Send it over as soon as it arrives: I compare it with what other lenders will do on your balance. Sometimes staying is the right call. You’ll know it from the numbers.

Compare mortgage terms from different lenders.

Major banks, credit unions, and specialized lenders each apply their own criteria, products, and terms. A logo does not mean that a mortgage will be offered or approved.

Mortgage lender logos

Buying, renewing, or refinancing?