5 stars out of 5
« Very effective teamwork! continue the good work! »
Martin M.
5 stars out of 5
« I highly recommend using their services. »
Sophie D.· translated
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Mortgage brokerage firm
4.54 %
Fixed. 5 years
Estimated payment
$2,501 /month
Rates published by Multi-Prêts Hypothèques (Quebec) — surveyed on .
Some conditions apply. Subject to change without prior notice. Rates may vary according to the amount borrowed, your credit rating, guarantees offered and other factor. Please refer to your Multi-Prêts broker for more information. Payment estimated from the rate above, 25-year amortization, for illustration only — not contractual, subject to file review.
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First-time buyer
Down payment, pre-approval, file: well prepared from the start.
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Renewal
The first offer isn't always the best one. We compare before you sign.
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Refinancing
Your equity can fund renovations, projects or debt consolidation.
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Non-standard file
Self-employed, newcomer, income property: we know where to present your file.
Why work with a mortgage broker?
Our services
Buying, pre-qualification, renewal, refinancing: each path has its own page, written to answer the real questions before the first call.
All about mortgages: your future purchase
Do you dream of buying or building your first home? Ask a member of Team Prospero for guidance to ensure your project is financed most efficiently!
Mortgage Prequalification
Are you shopping for real estate? You’ll need a mortgage pre-qualification to determine your borrowing capacity! Fill out our form and become pre-qualified!
Mortgage refinancing
Needing to refinance your mortgage? At Multi-Prêts, our team of mortgage brokers are equipped to secure you an advantageous rate.
Mortgage Renewal
Looking to renew your mortgage and find advantageous terms? The mortgage brokers at Équipe Prospero can help. Contact us for your mortgage renewal!
Where do we start?
A broker replies within one business day. No obligation.
Going further
Worth reading before you sign
Articles written by our brokers and reviewed by the firm before publication.
Signed by a broker
Refinancement hypothécaire: 3 Questions essentielles à poser à votre courtier avant de signer
Un refinancement hypothécaire peut permettre d’accéder à la valeur nette de votre propriété, de réorganiser certaines dettes ou de modifier votre financement.
Signed by a broker2 min read
Consolider ses dettes avec son hypothèque : est-ce avantageux?
Vos dettes prennent trop de place dans votre budget? Découvrez comment un refinancement hypothécaire pourrait alléger vos paiements et les points à vérifier pour savoir si cette solution vous convient.
Published
Signed by a broker4 min read
Comprendre les ratios d’endettement hypothécaire au Québec
Published
Signed by a broker4 min read
Marché immobilier à Montréal : les acheteurs auront plus de pouvoir
Le marché du Grand Montréal se rééquilibre. Plus de propriétés, moins de ventes : découvrez ce que cela change pour les acheteurs et leur hypothèque.
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The firm behind the team
A mortgage brokerage firm registered with the Autorité des marchés financiers.
Multi-Prêts Hypothèques negotiates with more than 30 lenders to defend your interests — the same rate doesn't cost the same depending on the file, and that's where the team makes the difference.
Our lending partners
Meet your112 brokers.
8 of 108
The Prospero team
Coming soon
Immediate assistance
Coming soonClient reviews
They put their trust in the team.
- Martin M.« Very effective teamwork! continue the good work! »
- Francis C.« […] He was friendly, knowledgeable and pro-active throughout the entire process. […] »
- Connor S.« Fast and professional service that was catered to our specific needs. 10/10 […] »
- Patsy M.« […] She was so kind and understanding and most of all patient! I will never not use her in the future! […] »
- Sophie D.« I highly recommend using their services. »Translated from French
What people ask most often
Short answers, before the first call.
How much does a broker cost?
For a standard residential file, the lender selected pays the broker a commission. No fee is charged to the client, and the rate obtained is not marked up.
Does this affect my credit file?
A single credit check is done, and it is used for all lenders consulted — rather than a separate check per institution if you shop around yourself.
What down payment do I need?
At least 5% on the portion up to $500,000, then 10% on the portion between $500,000 and $1.5M, and 20% above that. Below 20%, an insurance premium is added to the loan.
What is the interest rate stress test?
Lenders qualify a file at a rate higher than the contract rate: the contract rate plus two percentage points, or the floor rate set by the Office of the Superintendent of Financial Institutions, whichever is higher. The actual payment remains based on the rate obtained.
I am self-employed. Is it more complicated?
The file usually takes longer to document — two years of notices of assessment and financial statements are typically requested — but remains a normal file for a broker.
How long before I get an answer?
Timing varies by broker and file; a pre-approval usually takes 24 to 72 hours once documents are received.