Get the best mortgage rate

We find in less than 24 hours the mortgage for your needs in the best conditions and all in a single request.

I want to buy / renew / refinance

Your Xperto broker = Over 25 financial partners

We negotiate for you with more than 25 financial partners including the largest banks, caisses and financial institutions in Canada to find the best rates on the market and in the best conditions as well as to obtain quick mortgage pre-approvals.

Get your rate

Xperto Mortgage Rates

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Rate Xperto Mortgages

Obtenez ce taux

Rates displayed

Rate Xperto Mortgages

Obtenez ce taux

Rates displayed

Rate Xperto Mortgages

Obtenez ce taux

Rates displayed

Rate Xperto Mortgages

Obtenez ce taux

Rates displayed

Get your rate

* Certain conditions may apply. Subject to change without notice. Rates may vary depending on the amount borrowed, guarantees offered or other factors. Please refer to your broker Yves St-Denis for more details.

The advantages of Xperto Mortgages

Savings

We have an excellent understanding of the market, we negotiate the most favorable and relevant mortgage, unlike financial institutions or banks, which are obliged to provide you only with their products, which allows you to save considerably.

Lowest rate

Xperto has access to the best rates in the market thanks to the high volume of mortgages created (more than 44 billion). Simultaneously, we have access to a diverse range of rates offered and promoted by a variety of banks and institutions. We find the best prices for you.

100% FREE

Mortgage brokers provide you with completely free services. There are no additional fees or commissions to be paid. The broker is remunerated by banks and financial organizations for the promotion of mortgage products. Thus, we offer our services free of charge.

Time management

You won’t have to meet a crowd of banks and financial institutions, or fill out a mountain of paperwork to get the best offer. Follow-ups will be provided by your broker, who will also keep you informed of any changes to your file and write all the necessary documents and contracts. The procedures are simplified, and you save a lot of time.

Discover the services offered By our brokers Xperto Mortgages.

Pre-approval

If you want to buy a house and start your search, it is important to get pre-approved for a mortgage so that you can make an offer to purchase.

Learn more

Pre-qualification

Pre-qualification for a mortgage is a crucial estimate that confirms your borrowing capability.It is essential to show your credibility to your seller.

Learn more

Buying

It makes no difference whether it’s for a primary or secondary residence. Multi-prêts hypothèque will assist you in obtaining the most favorable financing terms for your situation.

Learn more

Renewal

It’s time to pay off your mortgage. You’ve received a renewal offer from your financial institution, and you want to evaluate if it’s competitive.

Learn more

Refinancing

Xperto looks for the most cost-effective refinancing option for you. All of the costs associated with your refinancing are estimated for you, including appraisal, cash back, and notary fees.

Learn more

A mortgage adapted to your situation

The benefits of Xperto Mortgages services

Important financial savings

We have a complete understanding of the market, which allows us to aggressively negotiate for you the most favorable and affordable mortgage, unlike banks or financial institutions, which are forced to provide you only with their products, which allows you to save a lot of money.

Lowest rate

Due to the high volume of mortgage loans generated (more than 44 billion), Xperto has access to the best rates on the market. At the same time, we have access to a wide range of rates offered and promoted by several banks and institutions. For you, we locate the best prices.

100% FREE

Mortgage brokers provide you with completely free services. There are no hidden fees or commissions. Indeed, the broker is paid for the marketing of mortgage products by banks and financial institutions. Therefore, we provide our services free of charge.

Save time

To get the best rate, you won’t have to meet a bunch of banks and financial institutions and submit a thousand documents. Your broker will take care of all follow-ups, keep you informed of any changes to your file and write all essential documents and contracts. The procedures are simplified, and you save a lot of time.

Xperto Mortgages offers you very low rates

Due to the huge amount of loans (about 44 billion mortgages), Xperto has simultaneous access to a variety of rates offered by many banks and financial organizations. Unlike bank and financial institution advisors, who are confined to selling their own products, we can find you the best rates from a wide range of options. You will then have access to several different financial lenders, some of which only accept applications through mortgage brokers, which will allow you to weigh all your possibilities.

In addition, Xperto’s mortgage brokers have extensive market expertise, allowing them to advise you on how to get the best mortgage rate. We also answer all your questions to help you make an informed decision (fixed or variable rate, long or short term, etc.).

Professionalism

Our mortgage brokers are market specialists who have been trained to understand and quickly respond to your true needs.

Time is a precious commodity.

Thanks to your Xperto mortgage broker, you will receive proposals from various financial institutions in a single request. You will not have to meet a host of different lenders and give dozens of different documents to each of them. Your broker takes care of everything.

Set up of funds

For starters, the services of a mortgage broker are completely free. Not only does it negotiate the most favorable and cheapest mortgage for you (compared to banks), but it also offers you a selection of additional financial services to help you save or grow your money.

Working hours are very flexible

We can meet you at our Quebec City office or at your home, seven days a week.

Xperto, your own financial advisor

Our mortgage brokers are in daily contact with more than 25 different financial partners across Canada (banks, funds, insurance companies, etc.). We are always on the lookout for changes in the market and opportunities that could be of interest to our customers. We can also find you the best conditions and mortgage rates by examining the offers of several different institutions at the same time, including some to which you may not have direct access.

Un pret hypothécaire adapté à votre situation

The benefits of Xperto Mortgages services
Important financial savings
We have a complete understanding of the market, which allows us to aggressively negotiate the most favorable and affordable mortgage for you, unlike banks or financial institutions, which are obliged to provide you with only their products, which saves you a lot of money
Lowest rate
Due to the high volume of mortgages generated (more than 44 billion), Xperto has access to the best rates in the market. At the same time, we have access to a wide range of rates offered and promoted by several banks and institutions. For you, we identify the best prices.
100% FREE
Morgagage brokers provide you with completely free services. There are no hidden fees or commissions. Indeed, the broker is paid for the marketing of mortgage products by banks and financial institutions. Therefore, we provide our services free of charge.
Save time
To get the best rate, you won’t have to meet a lot of banks and financial institutions and submit a thousand documents. Your broker will take care of all follow-ups, keep you informed of any changes to your file and write all essential documents and contracts. The procedures are simplified, and you save a lot of time.
Xperto Mortgages offers you very low rates
Due to the huge amount of loans (about 44 billion mortgages), Xperto has simultaneous access to a variety of rates offered by many banks and financial organizations. Unlike bank and financial institution advisors, who are confined to selling their own products, we can find you the best rates from a wide range of options. You will then have access to several different financial lenders, some of which only accept applications through mortgage brokers, which will allow you to weigh all your possibilities.
In addition, Xperto’s mortgage brokers have extensive market expertise, allowing them to advise you on how to get the best mortgage rate. We also answer all your questions to help you make an informed decision (fixed or variable rate, long or short term, etc.).
Xperto Mortgages brokers are distinguished from other brokers by the following.
Professionalism
Our mortgage brokers are market specialists who have been trained to understand and quickly respond to your true needs.
Time is a precious commodity.
Thanks to your Xperto mortgage broker, you will receive proposals from various financial institutions in a single request. You will not have to meet a host of different lenders and give dozens of different documents to each of them. Your broker takes care of everything.
Set up of funds
For starters, the services of a mortgage broker are completely free. Not only does it negotiate the most favorable and cheapest mortgage for you (compared to banks), but it also offers you a selection of additional financial services to help you save or grow your money.
Working hours are very flexible
We can meet you at our Quebec City office or at your home, seven days a week.
Xperto Mortgages, your own financial advisor
Our mortgage brokers are in daily contact with more than 25 different financial partners across Canada (banks, funds, insurance companies, etc.). We are always on the lookout for changes in the market and opportunities that could be of interest to our customers. We can also find you the best conditions and mortgage rates by examining the offers of several different institutions at the same time, including some to which you may not have direct access.
The partner financial institutions we work with
Banque Équitable
Banque Scotia
Banque Nationale
Banque Laurentienne
SécurFinance
Banque Manuvie
B2B Banque
Banque HomeEquity
FCT
Régime protection hypothécaire
Merix Financial – Lendwise
Genworth Financial
CMHC – SCHL
Canada Guaranty
TD Canada Trust
Desjardins
CHIP – Programme de revenu résidentiel
Financière First National
MCAP
Home Trust
Pentor
Financement Unik
Multi-Plans
Simplici-T
AdapT

A Xperto broker to get the best rate!

Xperto :
Gets a quick pre-approval for a mortgage;
Helps you get the best mortgage rate available;
Advises you on the type of rate (fixed or variable? ), the amortization period (for example, 10, 20 or 30 years?) And the duration (for example, 3, 5 or 10 years?) ;
Explain the different mortgage products currently available;
Gives you access to various online tools to help you in your search.
Why use a mortgage broker rather than a bank?
A broker has a considerable advantage over a bank. Without having to negotiate with each financial institution, the broker negotiates the best prices for you and gets rate reductions. Whether you need pre-approval, renewal or refinancing for your home or condo, we can help you.
Depending on your needs and financial situation, your Xperto mortgage broker will find the best mortgage products for you. It will also negotiate with several banks and financial institutions to save you as much money as possible.
What is the role of a mortgage broker?
Your mortgage broker works for you for free to find you the best possible mortgage rate based on your situation:
– He is available and responsive, and can help you in various ways, including obtaining a mortgage pre-approval so that you know how much you can borrow;
– Calculate the amount of your mortgage payments and down payment for a home;
– Create a budget that takes into account all expenses related to buying a property;
– Assist in finding programs and incentives that could facilitate The purchase of your home;
– Support the search for the most advantageous mortgage according to your situation, needs and market trends.
During your real estate search, your Xperto mortgage broker can also offer you a free rate guarantee to protect you against mortgage rate increases.
The services of a mortgage broker are free of charge.
Do you want to be able to examine all your options by talking to various financial lenders, some of whom only accept mortgage broker applications? Do you want to be sure that you get the best possible conditions based on your current financial situation and credit history?
Do you want professional help to choose a product and financial institution that suits you? If you answered yes to one or more of these questions, working with a mortgage broker is the best way to achieve your goals.
Whether you buy your first home, a second home or a rental property, you will benefit from the free services of a mortgage broker. You will put all the chances on your side to get the best mortgage rates, as well as expert advice that will simplify all your operations.
Our Xperto mortgage brokers are paid by the banks with which they operate. They do not work on commission, but their income is determined by the amount of money borrowed. No mortgage broker wants you to sign a loan more expensive than necessary. Therefore, when you work with us, you can be sure that you will get the best possible mortgage rate.
As you can see, transparency is always a major concern for us. Our goal is to give you as much information as possible so that you can make an informed decision and choose the best mortgage formula for you while avoiding penalties.
Experienced mortgage brokers at your service

Why an Xperto Mortgages broker in Laval?

You get fast and efficient service from the Xperto-Plus team of Martin Charbonneau, Xperto mortgage broker in Laval, to get the best rates from more than 25 financial institutions in Canada. Francis has a great deal of expertise in the mortgage field. He will be able to get the best rate for your needs thanks to his experience and in-depth understanding of the mortgage market.

Why contact a mortgage broker in Laval?

Laval and its surroundings are represented in a few figures.
Laval, located between the Lower Laurentians and Greater Montreal, attracts a growing number of residents and visitors thanks to its pleasant living environment, its accessibility by public transport, its cultural dynamism and its tourist attraction.
Here is an overview of the real estate activity observed in the region.
Laval
Sales and prices
The market recorded a strong increase in sales at the beginning of the year, especially with an increase of 35% in January. Median prices also increased, reaching about $600,000 for single-family homes and $410,000 for condominiums in the spring.
Market dynamics
Despite an 18% increase in new registrations, the market remains to the advantage of sellers, which indicates a gradual rebalancing.
Commercial sector
The year 2025 was also marked by a large-scale transaction in the commercial sector, with the sale of five office towers of Place Laval by Cominar to Luc Poirier, with a revitalization perspective.
General trends
The Laval real estate market performed very well in 2025, even surpassing that of Montreal in some segments, especially on the banks.
Why contact a mortgage broker in Laval?

Testestimonials

Professionalism and quality

I was taken care of quickly, very efficient, hard work for its customers, always looking for solutions and very diplomatic. I recommend it 100%. We are in the process of buying a house and Mr. supports us even on the weekend, responds quickly to our messages and phone calls. A great trust in this man.

Thank you very much. 🙂

Trycia Deroy

Professionalism, quality, responsiveness and value

Superb personalized customer service! He listens to our needs and takes the time to clearly explain the different options available to us. He is available to answer all our questions. I would recommend Martin Charbonneau to everyone!

Pierre-Luk Jean

Reactivity

Very pro-active, Martin always answers our questions, even on weekends and/or evenings.

We had a very good job with him.

Mere Nature

Professionalism, quality and responsiveness

When buying our house, Mr. Charbonneau offered us impeccable service. He has a very human approach, good responsiveness and is always willing to answer questions. He accompanied us throughout the purchase process. I would recommend his services to my loved ones.

Soa Ramasindraibe

Professionalism, quality, responsiveness and value

Martin explained to us very well the whole process of buying houses and guided us throughout by being available for our questions and to find us the best rate in a very short time. Thank you for your good advice and your time Martin, much appreciated.

Florence Hamel

Quick request online

All you have to do is fill out this form and receive the best offers with the best rates and conditions in less than 24 hours depending on your situation.

Get the best mortgage rate

We find in less than 24 hours the mortgage for your needs in the best conditions and all in a single request.

Your Xperto broker = Over 25 financial partners

Xperto Mortgage Rates

Rates displayed

The advantages of Xperto Mortgages

Savings

Lowest rate

100% FREE

Time management

Discover the services offered By our brokers Xperto Mortgages.

Pre-approval

Pre-qualification

Buying

Renewal

Refinancing

A mortgage adapted to your situation

Important financial savings

Lowest rate

100% FREE

Save time

Un pret hypothécaire adapté à votre situation

A Xperto broker to get the best rate!

Why an Xperto Mortgages broker in Laval?

Why contact a mortgage broker in Laval?

Testestimonials

Professionalism and quality

Professionalism, quality, responsiveness and value

Reactivity

Professionalism, quality and responsiveness

Professionalism, quality, responsiveness and value

Quick request online

Get a phone callback very fast