Team Distinction – Mortgage brokers Greater Montreal

Best market rates among more than 25 institutions

Are you in search of a mortgage broker for future financing?
Team Distinction of Multi-Prêts Hypothèques, consisting of fifty mortgage brokers, is eager to serve you.

ABOUT

Multi-Loan Mortgage

Team Distinction at Multi-Prêts Hypothèques

The Distinction team at Multi-Prêts Hypothèques sets the standard in mortgage financing across Quebec. Adhering to the Multi-Prêts Hypothèques philosophy, our team seeks out the lowest mortgage rates for our customers. But our services extend beyond just rates. The Distinction team’s expertise encompasses personalized advice on all types of mortgages.

Our primary objective is to streamline the mortgage process for our clients. We leverage a variety of technological tools to automate specific tasks, allowing us to focus on each individual’s unique financial situation. This innovative approach to mortgage financing is our greatest asset. Additionally, our services are free.

We cater to residents of the South Shore, Laval, North Shore, Laurentians, Montreal, and throughout Quebec. Simply contact one of our mortgage brokers, and we’ll be delighted to visit your home to discuss your project. Alternatively, you can visit us at one of our offices, or easily connect via videoconference, phone, or email to get pre-qualified within the day.

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Who is Multi-Prêts Hypothèques?

Multi-Prêts Hypothèques has been delivering personalized services and advice to Quebec customers for over 40 years. The firm boasts extensive experience and expertise in mortgage rates, refinancing, and mortgage loans, helping both first-time buyers and owners looking to access their equity. Representing over twenty banks and mortgage companies in Quebec, Multi-Prêts is your trusted source for mortgage solutions.

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ABOUT

Mortgage broker

Why use a mortgage broker?

Multi-Prêts Hypothèques prioritizes the interests of borrowers above all. Our primary mission is to provide expert advice and help our clients find mortgage financing solutions tailored to their personal situations. The Distinction team embodies these same values.

Our customers are our priority

Our mortgage brokers maintain close relationships with banks, credit unions, and financial institutions that offer mortgage products. This proximity allows us to offer the best financing terms while providing unbiased advice. Our commitment to our clients is evident in the strong relationships we build, which is why many people we assist recommend us to their friends and family.

Team Distinction brokers save you time

Finally, the help of a Team Distinction mortgage broker saves you time. You don’t have to prospect every bank or financial institution in Quebec. The broker takes care of all the procedures involved in your mortgage financing. They will prepare your credit file and present you with various loan options and scenarios. The interest rate is not the only important criterion, and the mortgage broker must explain the other advantages, disadvantages, and financing conditions related to the proposed options. But you have the last word: if you’re not happy with the final proposal, you don’t have to sign any mortgage contract, and you don’t have to pay any fees.

Who uses a Multi-Prêts Mortgage Broker

Multi-Prêts Hypothèques handles requests from customers of all profiles. The Distinction team does the same. Our services are available to any individual who wants to obtain good financing conditions. Our services target several types of profiles:

First-time home buyers

Banks can be demanding with borrowers who are buying a home for the first time. The risk of default is deemed higher, and obtaining a loan is often more complicated for a first home buyer. From calculating the downpayment to applying for a mortgage, from applying for a mortgage pre-authorization to calculating payments and the debt ratio, the assistance of a mortgage broker is indispensable.

Customers looking for mortgage refinancing

Would you like to negotiate the terms of an existing mortgage or increase the amount to obtain more liquidity? This is an attractive option if you have major expenses to finance, such as a new investment or work on your property. Multi-Prêts’ Distinction team is with you every step of the way to refinance or renew your mortgage.

In fact, we’re practically the only ones to accompany our customers beyond the term of their mortgage. If you obtain financing today, your Distinction broker will still be there in 5 years’ time to help you renew your loan with the same or another mortgage lender in the mortgage industry. This privilege does not exist in financial institutions, where advisors are often replaced or transferred to new positions.

Customers who need to renew their mortgage

Mortgage renewal is crucial to optimizing your finances. At the end of your mortgage term, Multi-Prêts helps you explore your options: negotiate new rates, adjust the term of the loan, or modify conditions to better suit your needs. Our experienced brokers offer our clients the best mortgage products and stay by your side for a stress-free renewal, perfectly tailored to your situation.

Individuals who want to consolidate their debts

Debt consolidation is the process of combining your existing loans (mortgage, personal credit, etc.) into a single contract. So, instead of paying several monthly installments, you end up with a single monthly payment. This greatly simplifies your budget management.

Real estate investors

Are you looking to invest in real estate, or are you already a real estate investor? Our brokers can guide you through the multi-residential and commercial mortgage financing process.

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Pre–
qualification

Why pre-qualify for a mortgage?

Our mortgage brokers can help you put together your mortgage file. During this process, one of our brokers will help you pre-qualify with several banks. Prequalification lets you know your borrowing capacity and the maximum amount the bank is prepared to grant you. It’s a key step in financing your project.

However, pre-qualification does not guarantee a loan. Once a promise to purchase has been accepted, your file will be submitted to the loan insurer (if applicable), and the financial institution will decide whether the property represents good collateral in its eyes. Once the file has been reviewed and accepted, the lender will give you your final, official mortgage approval. We can help you with this process. The Distinction team knows how to adapt to every situation: we are fully aware of our customers’ difficulties and desires. In addition to being mortgage brokers, we are or have been employees, self-employed workers, business owners, parents, singles, separated or divorced people who have already gone through the same stages as you.

Our expertise is just a bonus that enables us to speak the banks’ language and negotiate financing that really matches your profile.

pre-qualification

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Mortgage Calculator

Calculate and optimize your mortgage payments

The Distinction team uses a mortgage calculator provided by Multi-Prêts. This accurate and reliable tool give borrowers an overview of their future mortgage financing. We invite you to simulate your loan on this calculator before making an appointment with one of our brokers.

If the calculator reveals a financing amount that could weigh heavily on your finances, we’ll tell you straight out. We prefer to maintain a long-term relationship with our customers, which is why we are committed to transparency and honesty. The number-one rule is to be perfectly comfortable with the monthly payments of the new financing. It’s important to respect your personal budget and not rely solely on the amount the bank is prepared to grant you.