{"id":39,"date":"2022-05-04T22:51:15","date_gmt":"2022-05-05T02:51:15","guid":{"rendered":"http:\/\/meilleures-hypotheques.ca\/yves-st-denis-courtier-hypothecaire\/"},"modified":"2026-09-08T20:47:48","modified_gmt":"2026-09-09T00:47:48","slug":"yves-st-denis-mortgage-broker","status":"publish","type":"page","link":"https:\/\/xpertoplus.ca\/en\/","title":{"rendered":"Martin Charbonneau &#8211; Mortgage Broker"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-39\" data-postid=\"39\" class=\"themify_builder_content themify_builder_content-39 themify_builder tf_clear\">\n                    <div  data-css_id=\"usai795\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_usai795 tb_first tf_w wow\" data-tf-animation=\"fadeInDown\">\n            <span  class=\"builder_row_cover tf_abs\" data-lazy=\"1\"><\/span>            <div class=\"row_inner col_align_bottom tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_1t29797 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_lpnj798   \" data-lazy=\"1\" data-lax-translate-y=\"(vh*0.3) 0,(vh*0) -70\" data-lax=\"true\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Get the best mortgage rate<\/h1>\n<h2>We find in less than 24 hours the mortgage for your needs in the best conditions and all in a single request.<\/h2>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_zb1h502 buttons-horizontal solid   tb_gs408627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\" class=\"ui builder_button tf_in_flx tb_default_color\" >\n                                                I want to buy \/ renew \/ refinance                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_k1j6802 last\">\n                            <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"06sm795\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_06sm795 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_dc8i803 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_0t2e803    tb_gs1383628\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h3 style=\"text-align: center;\">Your Xperto broker = <span style=\"color: #ff9d00;\">Over 25 financial partners<\/span><\/h3>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_k9il796 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_c5ez804 first\">\n                    <!-- module gallery -->\n<div  class=\"module gallery module-gallery tb_r69k716 layout-grid  \" data-lazy=\"1\">\n    <div class=\"module-gallery-grid\" style=\"--gald:5;--galt:2;--galm:2\">\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/B2B-Bank-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-1960\" title=\"B2B Bank\" alt=\"B2B Bank\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/B2B-Bank-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/B2B-Bank.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Scotia-1-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-328\" title=\"Banque Scotia\" alt=\"Banque Scotia\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Scotia-1-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Scotia-1-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Scotia-1.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-HomeEquity-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-75\" title=\"Banque HomeEquity\" alt=\"Banque HomeEquity\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-HomeEquity-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-HomeEquity-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-HomeEquity.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/CMHC-SCHL-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-77\" title=\"CMHC - SCHL\" alt=\"CMHC - SCHL\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/CMHC-SCHL-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/CMHC-SCHL-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/CMHC-SCHL.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Financie\u0300re-First-National-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-71\" title=\"Financie\u0300re First National\" alt=\"Financie\u0300re First National\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Financie\u0300re-First-National-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Financie\u0300re-First-National-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Financie\u0300re-First-National.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Merix-Financial-\u2013-Lendwise-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-67\" title=\"Merix Financial \u2013 Lendwise\" alt=\"Merix Financial \u2013 Lendwise\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Merix-Financial-\u2013-Lendwise-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Merix-Financial-\u2013-Lendwise-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Merix-Financial-\u2013-Lendwise.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Manuvie-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-69\" title=\"Banque Manuvie\" alt=\"Banque Manuvie\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Manuvie-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Manuvie-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Manuvie.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/MCAP-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-63\" title=\"MCAP\" alt=\"MCAP\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/MCAP-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/MCAP-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/MCAP.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Nationale-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-59\" title=\"Banque Nationale\" alt=\"Banque Nationale\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Nationale-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Nationale-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Banque-Nationale.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/TD-Canada-Trust-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-55\" title=\"TD Canada Trust\" alt=\"TD Canada Trust\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/TD-Canada-Trust-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/TD-Canada-Trust-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/TD-Canada-Trust.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/SSQ-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-57\" title=\"SSQ\" alt=\"SSQ\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/SSQ-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/SSQ-130x38.png 130w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/SSQ.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Home-Trust-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-722\" title=\"Home Trust\" alt=\"Home Trust\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Home-Trust-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/Home-Trust.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/SAGEN-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-1971\" title=\"SAGEN\" alt=\"SAGEN\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/SAGEN-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/SAGEN.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/Banque-Equitable-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-1929\" title=\"Banque \u00c9quitable\" alt=\"Banque \u00c9quitable\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/Banque-Equitable-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/Banque-Equitable.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/AdapT-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-1927\" title=\"AdapT\" alt=\"AdapT\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/AdapT-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/AdapT.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n            <dl class=\"gallery-item\">\n            <dt class=\"gallery-icon\">\n            <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/Pentor-120x35.png\" width=\"120\" height=\"35\" class=\"wp-post-image wp-image-1931\" title=\"Pentor\" alt=\"Pentor\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/Pentor-120x35.png 120w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/06\/Pentor.png 220w\" sizes=\"(max-width: 120px) 100vw, 120px\" \/>            <\/dt>\n                    <\/dl>\n    <\/div>\n<\/div>\n<!-- \/module gallery --><!-- module text -->\n<div  class=\"module module-text tb_e68f807   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>We <strong>negotiate for you<\/strong> with more than 25 financial partners including the largest banks, caisses and financial institutions in Canada to <strong>find the best rates<\/strong> on the market and in the best conditions as well as to obtain <strong>quick mortgage pre-approvals<\/strong>.<\/p>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_qj5m14 buttons-horizontal solid   tb_gs408627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx tb_default_color\" >\n                                                Get your rate                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"tiud482\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth tb_tiud482 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_pqz6482 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_q994482 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h5 class=\"current-date\"id=\"date\"><\/h5>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_qb04482 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div id=\"response\" style=\"display:none;\"><\/div>\n<script>\n    var Vjson = \"\";\n    var taux1 = \"k\";\n    var today = new Date();\n    var dd = today.getDate();\n    var mm = today.getMonth() + 1; \/\/January is 0!\n    var yyyy = today.getFullYear();\n    if (dd < 10) {\n        dd = '0' + dd;\n    }\n    if (document.documentElement.lang == 'en-CA') {\n        var month = 'January';\n        switch (mm) {\n            case 1:\n                month = 'January';\n                break;\n            case 2:\n                month = 'February';\n                break;\n            case 3:\n                month = 'March';\n                break;\n            case 4:\n                month = 'April';\n                break;\n            case 5:\n                month = 'May';\n                break;\n            case 6:\n                month = 'June';\n                break;\n            case 7:\n                month = 'July';\n                break;\n            case 8:\n                month = 'August';\n                break;\n            case 9:\n                month = 'September';\n                break;\n            case 10:\n                month = 'October';\n                break;\n            case 11:\n                month = 'November';\n                break;\n            case 12:\n                month = 'December';\n                break;\n        }\n        var neew = document.getElementById('date');\n        neew.innerHTML = 'Updated to ' + dd + ' ' + month + ' ' + yyyy;\n        var textDown = document.getElementById('text_bottom');\n        const url = \"https:\/\/components.devyent.ca\/hypothecaire\/rates-dominion.php\";\n        fetch(url)\n            .then(response => response.json())\n            .then(data => {\n                document.getElementById('taux1').innerHTML = data[1][0] + ' ' + '%';\n                document.getElementById('years_fiexe1').innerHTML = '1 Year fixe';\n                document.getElementById('tax_total1').innerHTML = data[1][1] + ' ' + '%';\n                document.getElementById('taux2').innerHTML = data[3][0] + ' ' + '%';\n                document.getElementById('years_fiexe2').innerHTML = '3 Years fixe';\n                document.getElementById('tax_total2').innerHTML = data[3][1] + ' ' + '%';\n                document.getElementById('taux3').innerHTML = data[5][0] + ' ' + '%';\n                document.getElementById('years_fiexe3').innerHTML = '5 Years fixe';\n                document.getElementById('tax_total3').innerHTML = data[5][1] + ' ' + '%';\n                document.getElementById('taux4').innerHTML = data[6][0] + ' ' + '%';\n                document.getElementById('years_fiexe4').innerHTML = '7 Years fixe';\n                document.getElementById('tax_total4').innerHTML = data[6][1] + ' ' + '%';\n\n                document.getElementById('taux1m').innerHTML = data[1][0] + ' ' + '%';\n                document.getElementById('years_fiexe1m').innerHTML = '1 Year fixe';\n                document.getElementById('tax_total1m').innerHTML = data[1][1] + ' ' + '%';\n                document.getElementById('taux2m').innerHTML = data[3][0] + ' ' + '%';\n                document.getElementById('years_fiexe2m').innerHTML = '3 Years fixe';\n                document.getElementById('tax_total2m').innerHTML = data[3][1] + ' ' + '%';\n                document.getElementById('taux3m').innerHTML = data[5][0] + ' ' + '%';\n                document.getElementById('years_fiexe3m').innerHTML = '5 Years fixe';\n                document.getElementById('tax_total3m').innerHTML = data[5][1] + ' ' + '%';\n                document.getElementById('taux4m').innerHTML = data[6][0] + ' ' + '%';\n                document.getElementById('years_fiexe4m').innerHTML = '7 Years fixe';\n                document.getElementById('tax_total4m').innerHTML = data[6][1] + ' ' + '%';\n            });\n    } else {\n        var month = 'janvier';\n        switch (mm) {\n            case 1:\n                month = 'janvier';\n                break;\n            case 2:\n                month = 'f\u00e9vrier';\n                break;\n            case 3:\n                month = 'mars';\n                break;\n            case 4:\n                month = 'avril';\n                break;\n            case 5:\n                month = 'mai';\n                break;\n            case 6:\n                month = 'juin';\n                break;\n            case 7:\n                month = 'juillet';\n                break;\n            case 8:\n                month = 'ao\u00fbt';\n                break;\n            case 9:\n                month = 'septembre';\n                break;\n            case 10:\n                month = 'octobre';\n                break;\n            case 11:\n                month = 'novembre';\n                break;\n            case 12:\n                month = 'd\u00e9cembre';\n                break;\n        }\n        var neew = document.getElementById('date');\n        neew.innerHTML = 'En date du ' + dd + ' ' + month + ' ' + yyyy;\n        const url = \"https:\/\/components.devyent.ca\/hypothecaire\/rates-dominion.php\";\n        fetch(url)\n            .then(response => response.json())\n            .then(data => {\n                document.getElementById('taux1').innerHTML = data[1][0] + ' ' + '%';\n                document.getElementById('years_fiexe1').innerHTML = '1 Ann&eacute;e fixe';\n                document.getElementById('tax_total1').innerHTML = data[1][1] + ' ' + '%';\n                document.getElementById('taux2').innerHTML = data[3][0] + ' ' + '%';\n                document.getElementById('years_fiexe2').innerHTML = '3 Ans fixe';\n                document.getElementById('tax_total2').innerHTML = data[3][1] + ' ' + '%';\n                document.getElementById('taux3').innerHTML = data[5][0] + ' ' + '%';\n                document.getElementById('years_fiexe3').innerHTML = '5 Ans fixe';\n                document.getElementById('tax_total3').innerHTML = data[5][1] + ' ' + '%';\n                document.getElementById('taux4').innerHTML = data[6][0] + ' ' + '%';\n                document.getElementById('years_fiexe4').innerHTML = '7 Ans fixe';\n                document.getElementById('tax_total4').innerHTML = data[6][1] + ' ' + '%';\n\n                document.getElementById('taux1m').innerHTML = data[1][0] + ' ' + '%';\n                document.getElementById('years_fiexe1m').innerHTML = '1 Ann&eacute;e fixe';\n                document.getElementById('tax_total1m').innerHTML = data[1][1] + ' ' + '%';\n                document.getElementById('taux2m').innerHTML = data[3][0] + ' ' + '%';\n                document.getElementById('years_fiexe2m').innerHTML = '3 Ans fixe';\n                document.getElementById('tax_total2m').innerHTML = data[3][1] + ' ' + '%';\n                document.getElementById('taux3m').innerHTML = data[5][0] + ' ' + '%';\n                document.getElementById('years_fiexe3m').innerHTML = '5 Ans fixe';\n                document.getElementById('tax_total3m').innerHTML = data[5][1] + ' ' + '%';\n                document.getElementById('taux4m').innerHTML = data[6][0] + ' ' + '%';\n                document.getElementById('years_fiexe4m').innerHTML = '7 Ans fixe';\n                document.getElementById('tax_total4m').innerHTML = data[6][1] + ' ' + '%';\n            });\n    }\n<\/script>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top gutter-none tb_col_count_5 tb_v6ko482\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_inw3482 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_hz9e483  hide-tablet hide-mobile\" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 >Xperto Mortgage Rates<\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_8ubl483  hide-tablet hide-mobile\" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"multi_white_rate\">Rates displayed<\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_o1kk483\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_f9pa483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h2 class=\"taux-hypothecaire\"id=\"taux1\"><\/h2>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_hvx9483    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_v35a483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"years_fiexe1\"class=\"year1\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_aurh483 buttons-horizontal outline botones \" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx transparent\"  id=\"btn\">\n                                                Obtenez ce taux                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_w4f2483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"tax_total1\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_icz4483    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rates displayed<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_g7wr483\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_8e9p483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h2 class=\"taux-hypothecaire\"id=\"taux2\"><\/h2>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_c1cq483    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_6jai483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"years_fiexe2\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_d0ri483 buttons-horizontal outline botones \" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx transparent\"  id=\"btn\">\n                                                Obtenez ce taux                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_lp8d483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"tax_total2\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_3pyr483    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rates displayed<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_fhnr483\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_rj1m483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h2 class=\"taux-hypothecaire\"id=\"taux3\"><\/h2>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_3xpi483    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_0lnb483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"years_fiexe3\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_fxf6483 buttons-horizontal outline botones \" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx transparent\"  id=\"btn\">\n                                                Obtenez ce taux                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_7n71483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"tax_total3\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_wbz1483    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rates displayed<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_8vyw483 last\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_awfq483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h2 class=\"taux-hypothecaire\"id=\"taux4\"><\/h2>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_6eyu483    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_tg94483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"years_fiexe4\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_ktjz483 buttons-horizontal outline botones \" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx transparent\"  id=\"btn\">\n                                                Obtenez ce taux                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_h6nb483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"tax_total4\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_8jb6483    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rates displayed<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_c2rp483\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_a4xx483 first\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_0a1f483 buttons-horizontal solid btn  tb_gs408627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx transparent\" >\n                                                Get your rate                                        <em><svg  class=\"tf_fa tf-ti-angle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-right\" xlink:href=\"#tf-ti-angle-right\"><\/use><\/svg><\/em>                            <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_o44a483 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <p id=\"text_bottom\">* 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.<\/p>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-desktop-padding=\"2em,2em\" data-parallax-bg=\"desktop\" data-anchor=\"Avantages\" data-css_id=\"0iu1796\" data-lazy=\"1\" class=\"module_row themify_builder_row RowAvantages fullwidth_row_container tb_has_section tb_section-Avantages tb_0iu1796 tf_w\">\n            <span  class=\"builder_row_cover tf_abs\" data-lazy=\"1\"><\/span>            <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_lz8i807 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_bh67808   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>The advantages of Xperto Mortgages<\/h2>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_4 tb_7bpm808\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col4-1 tb_8j9n809 first\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_9toh809 image-center   tf_mw\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img decoding=\"async\" src=\"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/des_economies.png\" width=\"70\" height=\"512\" alt=\"\">    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <\/div>\n<!-- \/module image --><!-- module text -->\n<div  class=\"module module-text tb_l98o809 see_more_js  \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4 style=\"text-align: center;\">Savings<\/h4>\n<p>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.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-1 tb_hnns810\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_dfmh810 image-center   tf_mw\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img decoding=\"async\" src=\"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/affaires_finances.png\" width=\"70\" height=\"512\" alt=\"\">    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <\/div>\n<!-- \/module image --><!-- module text -->\n<div  class=\"module module-text tb_0ra9307 see_more_js  \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4 style=\"text-align: center;\">Lowest rate<\/h4>\n<p>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.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-1 tb_9r9u811\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_pilu811 image-center   tf_mw\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img decoding=\"async\" src=\"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/100-por-ciento.png\" width=\"70\" height=\"512\" alt=\"\">    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <\/div>\n<!-- \/module image --><!-- module text -->\n<div  class=\"module module-text tb_2l7l466 see_more_js  \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4 style=\"text-align: center;\">100% FREE<\/h4>\n<p>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.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-1 tb_a7ij811 last\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_yvx9812 image-center   tf_mw\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img decoding=\"async\" src=\"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/clock-with-dollar-sign.png\" width=\"70\" height=\"512\" alt=\"\">    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <\/div>\n<!-- \/module image --><!-- module text -->\n<div  class=\"module module-text tb_00x5929 see_more_js  \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4 style=\"text-align: center;\">Time management<\/h4>\n<p>You won&#8217;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.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"93xn796\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth tb_93xn796 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_45n0828 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_mkhs393  inline-fancy-heading tb_hide_divider\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading tf_textc\">\n    <span class=\"main-head tf_inline_b\">\n                    Discover the services offered            <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                    By our brokers Xperto Mortgages.            <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module template_part -->\n<div  class=\"module module-layout-part tb_4n41272 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-693 themify_builder not_editable_builder in_the_loop\" data-postid=\"693\">\n                        <div  data-css_id=\"jbt9171\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth tb_jbt9171 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_qvm8172 first\">\n                    <!-- module post -->\n<div  class=\"module module-post tb_spay689 \">\n        <div  class=\"builder-posts-wrap loops-wrapper grid5 polaroid tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"post-1158\" class=\"post tf_clearfix post-1158 type-post status-publish format-standard has-post-thumbnail hentry category-services-en has-post-title no-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t    \n\t                <figure class=\"post-image tf_clearfix\">\n                                                            <a href=\"https:\/\/xpertoplus.ca\/en\/pre-approval\/\">\n                                        <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/approbation-70x70.png\" width=\"70\" height=\"70\" class=\"wp-post-image wp-image-159\" title=\"approbation\" alt=\"Pr\u00e9approbation\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/approbation-70x70.png 70w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/approbation-300x300.png 300w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/approbation-150x150.png 150w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/approbation.png 512w\" sizes=\"(max-width: 70px) 100vw, 70px\" \/>                                                                    <\/a>\n                                                                <\/figure>\n                    \t<div class=\"post-content\">\n\t\t<div class=\"post-content-inner\">\n\n\t\t\t\n\t\t\t<h3 class=\"post-title entry-title\"><a href=\"https:\/\/xpertoplus.ca\/en\/pre-approval\/\">Pre-approval<\/a><\/h3>\n\t\t\t\n\t\t\t\n\t\t\t        <div class=\"entry-content\">\n\n                                        <p class=\"wp-block-paragraph\">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.<\/p>\n<!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-1158 themify_builder not_editable_builder in_the_loop\" data-postid=\"1158\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_1icw929 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6ntt932 first\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_y27c933 buttons-horizontal solid  tb_gs407627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/mortgage-services\/#Preapproval\" class=\"ui builder_button tf_in_flx tb_default_color\" >\n                                                Learn more                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content-->            \n        <\/div><!-- \/.entry-content -->\n        \n\t\t<\/div>\n\t\t<!-- \/.post-content-inner -->\n\t<\/div>\n\t<!-- \/.post-content -->\n\t\n<\/article>\n<!-- \/.post -->\n<article id=\"post-1156\" class=\"post tf_clearfix post-1156 type-post status-publish format-standard has-post-thumbnail hentry category-services-en has-post-title no-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t    \n\t                <figure class=\"post-image tf_clearfix\">\n                                                            <a href=\"https:\/\/xpertoplus.ca\/en\/pre-qualification\/\">\n                                        <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/qualifie-70x70.png\" width=\"70\" height=\"70\" class=\"wp-post-image wp-image-153\" title=\"qualifie\" alt=\"Pr\u00e9qualification\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/qualifie-70x70.png 70w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/qualifie-300x300.png 300w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/qualifie-150x150.png 150w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/qualifie.png 512w\" sizes=\"(max-width: 70px) 100vw, 70px\" \/>                                                                    <\/a>\n                                                                <\/figure>\n                    \t<div class=\"post-content\">\n\t\t<div class=\"post-content-inner\">\n\n\t\t\t\n\t\t\t<h3 class=\"post-title entry-title\"><a href=\"https:\/\/xpertoplus.ca\/en\/pre-qualification\/\">Pre-qualification<\/a><\/h3>\n\t\t\t\n\t\t\t\n\t\t\t        <div class=\"entry-content\">\n\n                                        <p class=\"wp-block-paragraph\">Pre-qualification for a mortgage is a crucial estimate that confirms your borrowing capability.It is essential to show your credibility to your seller.<\/p>\n<!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-1156 themify_builder not_editable_builder in_the_loop\" data-postid=\"1156\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_c96n611 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_5kat612 first\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_u38e612 buttons-horizontal solid  tb_gs407627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/mortgage-services\/#Prequalification\" class=\"ui builder_button tf_in_flx tb_default_color\" >\n                                                Learn more                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content-->            \n        <\/div><!-- \/.entry-content -->\n        \n\t\t<\/div>\n\t\t<!-- \/.post-content-inner -->\n\t<\/div>\n\t<!-- \/.post-content -->\n\t\n<\/article>\n<!-- \/.post -->\n<article id=\"post-1157\" class=\"post tf_clearfix post-1157 type-post status-publish format-standard has-post-thumbnail hentry category-services-en has-post-title no-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t    \n\t                <figure class=\"post-image tf_clearfix\">\n                                                            <a href=\"https:\/\/xpertoplus.ca\/en\/purchase\/\">\n                                        <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/achat_maison-70x70.png\" width=\"70\" height=\"70\" class=\"wp-post-image wp-image-165\" title=\"achat_maison\" alt=\"Achat\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/achat_maison-70x70.png 70w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/achat_maison-300x300.png 300w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/achat_maison-150x150.png 150w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/achat_maison.png 512w\" sizes=\"(max-width: 70px) 100vw, 70px\" \/>                                                                    <\/a>\n                                                                <\/figure>\n                    \t<div class=\"post-content\">\n\t\t<div class=\"post-content-inner\">\n\n\t\t\t\n\t\t\t<h3 class=\"post-title entry-title\"><a href=\"https:\/\/xpertoplus.ca\/en\/purchase\/\">Buying<\/a><\/h3>\n\t\t\t\n\t\t\t\n\t\t\t        <div class=\"entry-content\">\n\n                                        <p class=\"wp-block-paragraph\">It makes no difference whether it&#8217;s for a primary or secondary residence. Multi-pr\u00eats hypoth\u00e8que will assist you in obtaining the most favorable financing terms for your situation.<\/p>\n<!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-1157 themify_builder not_editable_builder in_the_loop\" data-postid=\"1157\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_zpmz40 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_4ir541 first\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_ultq716 buttons-horizontal solid  tb_gs407627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/mortgage-services\/#Purchase\" class=\"ui builder_button tf_in_flx tb_default_color\" >\n                                                Learn more                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content-->            \n        <\/div><!-- \/.entry-content -->\n        \n\t\t<\/div>\n\t\t<!-- \/.post-content-inner -->\n\t<\/div>\n\t<!-- \/.post-content -->\n\t\n<\/article>\n<!-- \/.post -->\n<article id=\"post-1159\" class=\"post tf_clearfix post-1159 type-post status-publish format-standard has-post-thumbnail hentry category-services-en has-post-title no-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t    \n\t                <figure class=\"post-image tf_clearfix\">\n                                                            <a href=\"https:\/\/xpertoplus.ca\/en\/renewal\/\">\n                                        <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/renouvellement-70x70.png\" width=\"70\" height=\"70\" class=\"wp-post-image wp-image-167\" title=\"renouvellement\" alt=\"Renouvellement\" srcset=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/renouvellement-70x70.png 70w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/renouvellement-300x300.png 300w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/renouvellement-150x150.png 150w, https:\/\/xpertoplus.ca\/wp-content\/uploads\/2022\/05\/renouvellement.png 512w\" sizes=\"(max-width: 70px) 100vw, 70px\" \/>                                                                    <\/a>\n                                                                <\/figure>\n                    \t<div class=\"post-content\">\n\t\t<div class=\"post-content-inner\">\n\n\t\t\t\n\t\t\t<h3 class=\"post-title entry-title\"><a href=\"https:\/\/xpertoplus.ca\/en\/renewal\/\">Renewal<\/a><\/h3>\n\t\t\t\n\t\t\t\n\t\t\t        <div class=\"entry-content\">\n\n                                        <p class=\"wp-block-paragraph\">It&#8217;s time to pay off your mortgage. You&#8217;ve received a renewal offer from your financial institution, and you want to evaluate if it&#8217;s competitive.<\/p>\n<!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-1159 themify_builder not_editable_builder in_the_loop\" data-postid=\"1159\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_lkyu998 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6qd3998 first\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_xjnl999 buttons-horizontal solid  tb_gs407627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/mortgage-services\/#Renewal\" class=\"ui builder_button tf_in_flx tb_default_color\" >\n                                                Learn more                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content-->            \n        <\/div><!-- \/.entry-content -->\n        \n\t\t<\/div>\n\t\t<!-- \/.post-content-inner -->\n\t<\/div>\n\t<!-- \/.post-content -->\n\t\n<\/article>\n<!-- \/.post -->\n<article id=\"post-1155\" class=\"post tf_clearfix post-1155 type-post status-publish format-standard has-post-thumbnail hentry category-services-en has-post-title no-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t    \n\t                <figure class=\"post-image tf_clearfix\">\n                                                            <a href=\"https:\/\/xpertoplus.ca\/en\/refinancing\/\">\n                                        <img decoding=\"async\" src=\"https:\/\/xpertoplus.ca\/wp-content\/uploads\/2026\/04\/affaires_finances-70x70-1-70x70.png\" width=\"70\" height=\"70\" class=\"wp-post-image wp-image-3319\" title=\"affaires_finances-70x70\" alt=\"affaires_finances-70x70\">                                                                    <\/a>\n                                                                <\/figure>\n                    \t<div class=\"post-content\">\n\t\t<div class=\"post-content-inner\">\n\n\t\t\t\n\t\t\t<h3 class=\"post-title entry-title\"><a href=\"https:\/\/xpertoplus.ca\/en\/refinancing\/\">Refinancing<\/a><\/h3>\n\t\t\t\n\t\t\t\n\t\t\t        <div class=\"entry-content\">\n\n                                        <p class=\"wp-block-paragraph\">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.<\/p>\n<!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-1155 themify_builder not_editable_builder in_the_loop\" data-postid=\"1155\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_wp1t742 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_9jbc742 first\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_cde5743 buttons-horizontal solid   tb_gs407627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/mortgage-services\/#Refinance\" class=\"ui builder_button tf_in_flx tb_default_color\" >\n                                                Learn more                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content-->            \n        <\/div><!-- \/.entry-content -->\n        \n\t\t<\/div>\n\t\t<!-- \/.post-content-inner -->\n\t<\/div>\n\t<!-- \/.post-content -->\n\t\n<\/article>\n<!-- \/.post -->\n    <\/div><!-- .builder-posts-wrap -->\n                <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"n1fi796\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_n1fi796 tf_w hide-tablet hide-mobile\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_sx68829 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_gg3t830  inline-fancy-heading tb_hide_divider\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading tf_textl\">\n    <span class=\"main-head tf_inline_b\">\n                    A mortgage adapted to            <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                    your situation            <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module tab -->\n<div  id=\"tb_ukvo497\" class=\"module ui module-tab tb_ukvo497 vertical rounded tb_default_color  tb_gs239626\" data-lazy=\"1\">\n        <div class=\"tab-nav-current-active tf_hide\">\n\t\t<span class=\"tab_burger_icon_wrap\">\n\t        <span class=\"tab_burger_icon tf_rel\"><\/span>\n\t\t<\/span>\n        <span class=\"tb_activetab_title\">\n            <span class=\"tb_tab_title\">The benefits of Xperto Mortgages services<\/span>\n                    <\/span>\n    <\/div>\n    <ul class=\"tab-nav tf_clearfix tf_scrollbar\">\n                <li class=\"current\" aria-expanded=\"true\">\n            <a href=\"#tab-tb_ukvo497-0\">\n                <em><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/em>                <span class=\"tb_tab_title\">The benefits of Xperto Mortgages services<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_ukvo497-1\">\n                <em><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/em>                <span class=\"tb_tab_title\">Xperto Mortgages offers you very low rates<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_ukvo497-2\">\n                <em><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/em>                <span class=\"tb_tab_title\">Xperto Mortgages brokers are distinguished from other brokers by the following.<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_ukvo497-3\">\n                <em><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/em>                <span class=\"tb_tab_title\">Xperto Mortgages, your own financial advisor<\/span>                                            <\/a>\n        <\/li>\n            <\/ul>\n            <div data-id=\"tab-tb_ukvo497-0\" class=\"tab-content tf_clear\" aria-hidden=\"false\">\n                    <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_vm30497\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_d10b497 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_u8n5497   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>Important financial savings<\/h4>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h4>Lowest rate<\/h4>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h4>100% FREE<\/h4>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h4>Save time<\/h4>\n<p><span style=\"font-weight: 400;\">To get the best rate, you won&#8217;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.<\/span><\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <\/div>\n            <div data-id=\"tab-tb_ukvo497-1\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                    <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_f9sf497\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_t0e0497 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_w1up497   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>Xperto Mortgages offers you very low rates<\/h4>\n<p>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.<\/p>\n<p>In addition, Xperto&#8217;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.).<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <\/div>\n            <div data-id=\"tab-tb_ukvo497-2\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                    <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_1l22497\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_fmie497 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_mn18497   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>Professionalism<\/h4>\n<p><span style=\"font-weight: 400;\">Our mortgage brokers are market specialists who have been trained to understand and quickly respond to your true needs.<\/span><\/p>\n<h4>Time is a precious commodity.<\/h4>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h4>Set up of funds<\/h4>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h4>Working hours are very flexible<\/h4>\n<p>We can meet you at our Quebec City office or at your home, seven days a week.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <\/div>\n            <div data-id=\"tab-tb_ukvo497-3\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                    <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_jsee497\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_c96l497 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_xtv8497   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>Xperto, your own financial advisor<\/h4>\n<p>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.<\/p>\n<h4>The partner financial institutions with which we work<\/h4>\n<ul>\n<li>Equitable Bank<\/li>\n<li>Scotia Bank<\/li>\n<li>National Bank<\/li>\n<li>Laurentian Bank<\/li>\n<li>SecurFinance<\/li>\n<li>Manulife Bank<\/li>\n<li>B2B Bank<\/li>\n<li>HomeEquity Bank<\/li>\n<li>FCT<\/li>\n<li>Mortgage protection scheme<\/li>\n<li>Merix Financial &#8211; Lendwise<\/li>\n<li>Genworth Financial<\/li>\n<li>CMHC-CHC<\/li>\n<li>Canada Guaranty<\/li>\n<li>TD Canada Trust<\/li>\n<li>CHIP &#8211; Residential Income Program<\/li>\n<li>First National Financial<\/li>\n<li>MCAP<\/li>\n<li>Home Trust<\/li>\n<li>Pentor<\/li>\n<li>Unik financing<\/li>\n<li>Multi-Plans<\/li>\n<li>Simplici-T<\/li>\n<li>AdapT<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <\/div>\n    <\/div>\n<!-- \/module tab -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"psav819\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_psav819 tf_w hide-desktop hide-tablet_landscape\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_wrxt819 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_0ryv819  inline-fancy-heading tb_hide_divider\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading tf_textl\">\n    <span class=\"main-head tf_inline_b\">\n                    Un pret hypoth\u00e9caire adapt\u00e9 \u00e0             <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                    votre situation            <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_k6if819 hide-desktop hide-tablet_landscape\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_4tnh819 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_79aa819 acc_movil\" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded transparent\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-79aa819-0\" class=\"tb_title_accordion\" aria-controls=\"acc-79aa819-0\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">The benefits of Xperto Mortgages services<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-79aa819-0\" data-id=\"acc-79aa819-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_yk6h819\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_iz5k819 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_qimd819   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>Important financial savings<\/h4>\n<p>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<strong><\/strong><\/p>\n<h4>Lowest rate<\/h4>\n<p>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.<\/p>\n<h4>100% FREE<\/h4>\n<p>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.<\/p>\n<h4>Save time<\/h4>\n<p>To get the best rate, you won&#8217;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.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-79aa819-1\" class=\"tb_title_accordion\" aria-controls=\"acc-79aa819-1\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Xperto Mortgages offers you very low rates<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-79aa819-1\" data-id=\"acc-79aa819-1\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_8g4b819\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_0xvb819 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_5yvh819   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><span style=\"font-weight: 400;\"> 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.<br \/>In addition, Xperto&#8217;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.).<br \/><\/span><\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-79aa819-2\" class=\"tb_title_accordion\" aria-controls=\"acc-79aa819-2\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Xperto Mortgages brokers are distinguished from other brokers by the following.<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-79aa819-2\" data-id=\"acc-79aa819-2\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_9o90819\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_rbkm819 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_3nup819   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>Professionalism<\/h4>\n<p><span style=\"font-weight: 400;\">Our mortgage brokers are market specialists who have been trained to understand and quickly respond to your true needs.<\/span><\/p>\n<h4>Time is a precious commodity.<\/h4>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h4>Set up of funds<\/h4>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h4>Working hours are very flexible<\/h4>\n<p>We can meet you at our Quebec City office or at your home, seven days a week.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-79aa819-3\" class=\"tb_title_accordion\" aria-controls=\"acc-79aa819-3\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Xperto Mortgages, your own financial advisor<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-79aa819-3\" data-id=\"acc-79aa819-3\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_39f5819\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_wfa9819 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_dpr5819   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>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.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-79aa819-4\" class=\"tb_title_accordion\" aria-controls=\"acc-79aa819-4\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">The partner financial institutions we work with<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-79aa819-4\" data-id=\"acc-79aa819-4\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_r8ki819\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_nriz819 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_t4dy819   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <ul>\n<li>Banque \u00c9quitable<\/li>\n<li>Banque Scotia<\/li>\n<li>Banque Nationale<\/li>\n<li>Banque Laurentienne<\/li>\n<li>S\u00e9curFinance<\/li>\n<li>Banque Manuvie<\/li>\n<li>B2B Banque<\/li>\n<li>Banque HomeEquity<\/li>\n<li>FCT<\/li>\n<li>R\u00e9gime protection hypoth\u00e9caire<\/li>\n<li>Merix Financial \u2013 Lendwise<\/li>\n<li>Genworth Financial<\/li>\n<li>CMHC &#8211; SCHL<\/li>\n<li>Canada Guaranty<\/li>\n<li>TD Canada Trust<\/li>\n<li>Desjardins<\/li>\n<li>CHIP \u2013 Programme de revenu r\u00e9sidentiel<\/li>\n<li>Financi\u00e8re First National<\/li>\n<li>MCAP<\/li>\n<li>Home Trust<\/li>\n<li>Pentor<\/li>\n<li>Financement Unik<\/li>\n<li>Multi-Plans<\/li>\n<li>Simplici-T<\/li>\n<li>AdapT<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"1lze796\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_1lze796 tf_w\">\n            <span  class=\"builder_row_cover tf_abs\" data-lazy=\"1\"><\/span>            <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_jz80840 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_urf3840  inline-fancy-heading tb_hide_divider tb_gs1383628\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading tf_textl\">\n    <span class=\"main-head tf_inline_b\">\n                    A Xperto broker to get <span class=\"greenText\">the best rate!<\/span>            <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                                <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module accordion -->\n<div  class=\"module module-accordion tb_httt156 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-httt156-0\" class=\"tb_title_accordion\" aria-controls=\"acc-httt156-0\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Xperto :<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-httt156-0\" data-id=\"acc-httt156-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_9pvw723\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_2oe5723 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_tcg7723   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <ul>\n<li>Gets a quick pre-approval for a mortgage;<\/li>\n<li>Helps you get the best mortgage rate available; <\/li>\n<li>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?) ;<\/li>\n<li>Explain the different mortgage products currently available;<\/li>\n<li> Gives you access to various online tools to help you in your search.<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-httt156-1\" class=\"tb_title_accordion\" aria-controls=\"acc-httt156-1\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Why use a mortgage broker rather than a bank?<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-httt156-1\" data-id=\"acc-httt156-1\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_njyu723\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_cytr723 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_jpo9723   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>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.<\/p>\n<p>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.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-httt156-2\" class=\"tb_title_accordion\" aria-controls=\"acc-httt156-2\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">What is the role of a mortgage broker?<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-httt156-2\" data-id=\"acc-httt156-2\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_c40v724\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_py16724 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_1s3n724   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Your mortgage broker works for you for free to find you the best possible mortgage rate based on your situation:<br \/>&#8211; 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;<br \/>&#8211; Calculate the amount of your mortgage payments and down payment for a home;<br \/>&#8211; Create a budget that takes into account all expenses related to buying a property;<br \/>&#8211; Assist in finding programs and incentives that could facilitate The purchase of your home;<br \/>&#8211; Support the search for the most advantageous mortgage according to your situation, needs and market trends.<\/p>\n<p>During your real estate search, your Xperto mortgage broker can also offer you a free rate guarantee to protect you against mortgage rate increases.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-httt156-3\" class=\"tb_title_accordion\" aria-controls=\"acc-httt156-3\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">The services of a mortgage broker are free of charge.<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-httt156-3\" data-id=\"acc-httt156-3\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_yqoi724\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_kq5a724 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_j82a724   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><span style=\"font-weight: 400;\">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? <\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<br \/>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.<\/span><\/p>\n<p>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.<br \/>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.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-httt156-4\" class=\"tb_title_accordion\" aria-controls=\"acc-httt156-4\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Experienced mortgage brokers at your service<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-httt156-4\" data-id=\"acc-httt156-4\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_ngm3724\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_t9bw724 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_filt724   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>A mortgage broker, often called a mortgage agent, is a person who serves as an intermediary between you and potential mortgage lenders (banks, private lenders, etc.).<\/p>\n<p>Thanks to his skills, resources and financial partners, he is the best person to help you in your search for a mortgage, renewal and refinancing.<\/p>\n<p>Therefore, you should contact the mortgage broker for all your mortgage-related needs.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_2 tb_4xqn44\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col4-3 tb_m4nz44 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_87i9859  tb_hide_divider tb_gs1383628\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading tf_textl\">\n    <span class=\"main-head tf_block\">\n                    Why an Xperto Mortgages broker in Laval?            <\/span>\n\n    \n    <span class=\"sub-head tf_block tf_rel\">\n                                <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module text -->\n<div  class=\"module module-text tb_6a5s859   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>You get fast and efficient service from the Xperto-Plus team of Martin Charbonneau, <span class=\"greenText\"><b>Xperto mortgage broker<\/b><\/span> in Laval, to get the best rates from more than <span class=\"greenText\"><b>25 financial institutions in Canada<\/b><\/span>. Francis has a great deal of expertise in the mortgage field. He will be able to get the <span class=\"greenText\"><b>best rate<\/b><\/span> for your needs thanks to his experience and in-depth understanding of the mortgage market.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_kccm860  inline-fancy-heading tb_hide_divider tb_gs1383628\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading tf_textl\">\n    <span class=\"main-head tf_inline_b\">\n                    Why contact a mortgage broker in Laval?            <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                                <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module accordion -->\n<div  class=\"module module-accordion tb_vnrm860 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-vnrm860-0\" class=\"tb_title_accordion\" aria-controls=\"acc-vnrm860-0\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Laval and its surroundings are represented in a few figures.<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-vnrm860-0\" data-id=\"acc-vnrm860-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_enyu724\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_zaga724 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_647x724   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p class=\"p1\">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.<\/p>\n<p class=\"p1\">Here is an overview of the real estate activity observed in the region.<\/p>\n<p class=\"p3\"><b>Laval<\/b><b><\/b><\/p>\n<p class=\"p3\"><b>Sales and prices<br \/><\/b><b><\/b>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.<\/p>\n<p class=\"p3\"><b>Market dynamics<br \/><\/b>Despite an 18% increase in new registrations, the market remains to the advantage of sellers, which indicates a gradual rebalancing.<\/p>\n<p class=\"p3\"><b>Commercial sector<br \/><\/b><b><\/b>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.<\/p>\n<p class=\"p3\"><b>General trends<br \/><\/b><b><\/b>The Laval real estate market performed very well in 2025, even surpassing that of Montreal in some segments, especially on the banks.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-vnrm860-1\" class=\"tb_title_accordion\" aria-controls=\"acc-vnrm860-1\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-right\" xlink:href=\"#tf-ti-arrow-circle-right\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Why contact a mortgage broker in Laval?<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-vnrm860-1\" data-id=\"acc-vnrm860-1\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_fo9k725\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_j74p725 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_w1oj725   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p class=\"p1\">Qu\u00e9bec mortgage brokers know very well the reality of the market here, which allows them to guide you effectively in your financing procedures. With their constant monitoring of trends and changes in the sector, they can help you make informed choices and make the most of your mortgage loan, whether you want to renew or refinance it.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-1 tb_ya0645 last\">\n                            <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"wv2m828\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_wv2m828 tf_w\">\n            <span  class=\"builder_row_cover tf_abs\" data-lazy=\"1\"><\/span><span class=\"tb_row_frame_wrap tf_overflow tf_abs\" data-lazy=\"1\"><span class=\"tb_row_frame tb_row_frame_bottom  tf_abs tf_hide tf_overflow tf_w\"><\/span><\/span>            <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_27fa828 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_daji828   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2 style=\"text-align: left;\">Testestimonials<\/h2>    <\/div>\n<\/div>\n<!-- \/module text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_c4rm828\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_j7cd829 first\">\n                    <div  class=\"module themify_builder_slider_wrap tf_clearfix module-testimonial-slider tb_fbx7829  image-bottom  \" data-lazy=\"1\">\n        <div class=\"themify_builder_slider tf_carousel tf_swiper-container tf_rel tf_overflow\" data-lazy=\"1\"        data-visible=\"1\"\n        data-tab-visible=\"\"\n        data-mob-visible=\"\"\n        data-scroll=\"\"\n                            data-auto=\"4000\"\n            data-controller=\"0\"\n                data-pause_hover=\"1\"\n        data-speed=\"1\"\n        data-wrapvar=\"1\"\n        data-slider_nav=\"1\"\n        data-pager=\"1\"\n        data-effect=\"scroll\"\n        data-height=\"variable\"\n        data-css_url=\"https:\/\/xpertoplus.ca\/wp-content\/themes\/themify-ultra\/themify\/themify-builder\/css\/modules\/sliders\/carousel,https:\/\/xpertoplus.ca\/wp-content\/themes\/themify-ultra\/themify\/themify-builder\/css\/modules\/sliders\/testimonial-slider\"\n                    >\n        <div class=\"tf_swiper-wrapper tf_lazy tf_rel tf_w tf_h tf_textc\">\n                <div class=\"post tf_swiper-slide\">            <div class=\"testimonial-item\">\n                                <div class=\"testimonial-content\">\n                                            <h3 class=\"testimonial-title\">Professionalism and quality<\/h3>\n                                                                                    <div class=\"testimonial-entry-content\">\n                            <p data-pm-slice=\"1 1 []\">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.<\/p>\n<p>Thank you very much. \ud83d\ude42<\/p>\n                        <\/div>\n                                        \n                                            <div class=\"testimonial-author\">\n                                                            <div class=\"person-name\">Trycia Deroy<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div><!-- .post -->            <div class=\"post tf_swiper-slide\" style=\"content-visibility:hidden\">            <div class=\"testimonial-item\">\n                                <div class=\"testimonial-content\">\n                                            <h3 class=\"testimonial-title\">Professionalism, quality, responsiveness and value<\/h3>\n                                                                                    <div class=\"testimonial-entry-content\">\n                            <p>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! <\/p>\n                        <\/div>\n                                        \n                                            <div class=\"testimonial-author\">\n                                                            <div class=\"person-name\">Pierre-Luk Jean<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div><!-- .post -->            <div class=\"post tf_swiper-slide\" style=\"content-visibility:hidden\">            <div class=\"testimonial-item\">\n                                <div class=\"testimonial-content\">\n                                            <h3 class=\"testimonial-title\">Reactivity<\/h3>\n                                                                                    <div class=\"testimonial-entry-content\">\n                            <p data-pm-slice=\"1 1 []\">Very pro-active, Martin always answers our questions, even on weekends and\/or evenings.<\/p>\n<p>We had a very good job with him.<\/p>\n                        <\/div>\n                                        \n                                            <div class=\"testimonial-author\">\n                                                            <div class=\"person-name\">Mere Nature<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div><!-- .post -->            <div class=\"post tf_swiper-slide\" style=\"content-visibility:hidden\">            <div class=\"testimonial-item\">\n                                <div class=\"testimonial-content\">\n                                            <h3 class=\"testimonial-title\">Professionalism, quality and responsiveness<\/h3>\n                                                                                    <div class=\"testimonial-entry-content\">\n                            <p data-pm-slice=\"1 1 []\">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.<\/p>\n                        <\/div>\n                                        \n                                            <div class=\"testimonial-author\">\n                                                            <div class=\"person-name\">Soa Ramasindraibe<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div><!-- .post -->            <div class=\"post tf_swiper-slide\" style=\"content-visibility:hidden\">            <div class=\"testimonial-item\">\n                                <div class=\"testimonial-content\">\n                                            <h3 class=\"testimonial-title\">Professionalism, quality, responsiveness and value<\/h3>\n                                                                                    <div class=\"testimonial-entry-content\">\n                            <p data-pm-slice=\"1 1 []\">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.<\/p>\n                        <\/div>\n                                        \n                                            <div class=\"testimonial-author\">\n                                                            <div class=\"person-name\">Florence Hamel<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div><!-- .post -->                <\/div>\n    <\/div>\n<\/div>\n        <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_3c3v829\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_ka8q829 first\">\n                            <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"DemandeRapide\" data-css_id=\"bcco796\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_has_section tb_section-DemandeRapide tb_bcco796 tf_w wow\" data-tf-animation=\"fadeInUp\">\n            <span class=\"tb_row_frame_wrap tf_overflow tf_abs\" data-lazy=\"1\"><span class=\"tb_row_frame tb_row_frame_top  tf_abs tf_hide tf_overflow tf_w\"><\/span><span class=\"tb_row_frame tb_row_frame_bottom  tf_abs tf_hide tf_overflow tf_w\"><\/span><\/span>            <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_pvuv623 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_xra8165   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>Quick request <span class=\"greenText\"> online<\/span><\/h2>\n<p>All you have to do is fill out this form and receive the <strong><span class=\"greenText\">best offers<\/span><\/strong> with the <span class=\"greenText\"><strong>best rates<\/strong><\/span> and conditions in less than <strong><span class=\"greenText\">24 hours<\/span><\/strong> depending on your situation.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_u2sy617 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-1015 themify_builder not_editable_builder in_the_loop\" data-postid=\"1015\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_xhqm191 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_rbpk192 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_dhmu192 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div id=\"service_form\"><\/div>\n<script type=\"text\/javascript\">\njQuery().ready(function() {\njQuery('#service_form').service_form('en', false, 'version=xperto');\n});\n<\/script>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"AppelRapide\" data-css_id=\"x9v7372\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_has_section tb_section-AppelRapide tb_x9v7372 tf_w wow\" data-tf-animation=\"fadeInUp\">\n            <span class=\"tb_row_frame_wrap tf_overflow tf_abs\" data-lazy=\"1\"><span class=\"tb_row_frame tb_row_frame_top  tf_abs tf_hide tf_overflow tf_w\"><\/span><\/span>            <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_dumm372 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_100m580  inline-fancy-heading tb_hide_divider\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading tf_textl\">\n    <span class=\"main-head tf_inline_b\">\n                    Get a phone callback <span class=\"greenText\">very fast<\/span>            <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                                <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_f2lb648 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-755 themify_builder not_editable_builder in_the_loop\" data-postid=\"755\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_1pd8904 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_h3cg904 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_ug4h838 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div id=\"call_form\"><\/div>\n<script type=\"text\/javascript\">\njQuery().ready(function() {\n\tjQuery( \"#call_form\" ).call_form('en', false, false, 'version=xperto');\n});\n<\/script>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>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.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-39","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Multi-Prets Mortgage Broker in Quebec City<\/title>\n<meta name=\"description\" content=\"Multi-Prets mortgage broker in Quebec. Get the best interest rates for your mortgage. We negotiate with over 25 lenders and financial institutions\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/xpertoplus.ca\/en\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Multi-Prets Mortgage Broker in Quebec City\" \/>\n<meta property=\"og:description\" content=\"Multi-Prets mortgage broker in Quebec. Get the best interest rates for your mortgage. We negotiate with over 25 lenders and financial institutions\" \/>\n<meta property=\"og:url\" content=\"https:\/\/xpertoplus.ca\/en\/\" \/>\n<meta property=\"og:site_name\" content=\"Martin Charbonneau\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-09T00:47:48+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"45 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/\",\"url\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/\",\"name\":\"Multi-Prets Mortgage Broker in Quebec City\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/meilleures-hypotheques.ca\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/des_economies.png\",\"datePublished\":\"2022-05-05T02:51:15+00:00\",\"dateModified\":\"2026-09-09T00:47:48+00:00\",\"description\":\"Multi-Prets mortgage broker in Quebec. Get the best interest rates for your mortgage. We negotiate with over 25 lenders and financial institutions\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/#primaryimage\",\"url\":\"https:\\\/\\\/meilleures-hypotheques.ca\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/des_economies.png\",\"contentUrl\":\"https:\\\/\\\/meilleures-hypotheques.ca\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/des_economies.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Martin Charbonneau &#8211; Mortgage Broker\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/\",\"name\":\"Martin Charbonneau\",\"description\":\"Courtier Hypoth\u00e9caire\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/xpertoplus.ca\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Multi-Prets Mortgage Broker in Quebec City","description":"Multi-Prets mortgage broker in Quebec. Get the best interest rates for your mortgage. We negotiate with over 25 lenders and financial institutions","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/xpertoplus.ca\/en\/","og_locale":"en_US","og_type":"article","og_title":"Multi-Prets Mortgage Broker in Quebec City","og_description":"Multi-Prets mortgage broker in Quebec. Get the best interest rates for your mortgage. We negotiate with over 25 lenders and financial institutions","og_url":"https:\/\/xpertoplus.ca\/en\/","og_site_name":"Martin Charbonneau","article_modified_time":"2026-09-09T00:47:48+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"45 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/xpertoplus.ca\/en\/","url":"https:\/\/xpertoplus.ca\/en\/","name":"Multi-Prets Mortgage Broker in Quebec City","isPartOf":{"@id":"https:\/\/xpertoplus.ca\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/xpertoplus.ca\/en\/#primaryimage"},"image":{"@id":"https:\/\/xpertoplus.ca\/en\/#primaryimage"},"thumbnailUrl":"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/des_economies.png","datePublished":"2022-05-05T02:51:15+00:00","dateModified":"2026-09-09T00:47:48+00:00","description":"Multi-Prets mortgage broker in Quebec. Get the best interest rates for your mortgage. We negotiate with over 25 lenders and financial institutions","breadcrumb":{"@id":"https:\/\/xpertoplus.ca\/en\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/xpertoplus.ca\/en\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/xpertoplus.ca\/en\/#primaryimage","url":"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/des_economies.png","contentUrl":"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/des_economies.png"},{"@type":"BreadcrumbList","@id":"https:\/\/xpertoplus.ca\/en\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/xpertoplus.ca\/en\/"},{"@type":"ListItem","position":2,"name":"Martin Charbonneau &#8211; Mortgage Broker"}]},{"@type":"WebSite","@id":"https:\/\/xpertoplus.ca\/en\/#website","url":"https:\/\/xpertoplus.ca\/en\/","name":"Martin Charbonneau","description":"Courtier Hypoth\u00e9caire","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/xpertoplus.ca\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"}]}},"builder_content":"<h1>Get the best mortgage rate<\/h1> <h2>We find in less than 24 hours the mortgage for your needs in the best conditions and all in a single request.<\/h2>\n<a href=\"\/en\/obtenir-mon-taux\" > I want to buy \/ renew \/ refinance <\/a>\n<h3 style=\"text-align: center;\">Your Xperto broker = Over 25 financial partners<\/h3>\n[gallery ids=\"1959,329,74,76,70,66,68,62,58,54,56,721,1970,1928,1926,1930\"]\n<p>We <strong>negotiate for you<\/strong> with more than 25 financial partners including the largest banks, caisses and financial institutions in Canada to <strong>find the best rates<\/strong> on the market and in the best conditions as well as to obtain <strong>quick mortgage pre-approvals<\/strong>.<\/p>\n<a href=\"\/en\/obtenir-mon-taux\/\" > Get your rate <\/a>\n<h5id=\"date\"><\/h5>\n\n<h3 >Xperto Mortgage Rates<\/h3>\n<h3 id=\"multi_white_rate\">Rates displayed<\/h3>\n<h2id=\"taux1\"><\/h2>\n<p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n<h3 id=\"years_fiexe1\"class=\"year1\"><\/h3>\n<a href=\"\/en\/obtenir-mon-taux\/\" id=\"btn\"> Obtenez ce taux <\/a>\n<h3 id=\"tax_total1\"><\/h3>\n<p style=\"text-align: center;\">Rates displayed<\/p>\n<h2id=\"taux2\"><\/h2>\n<p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n<h3 id=\"years_fiexe2\"><\/h3>\n<a href=\"\/en\/obtenir-mon-taux\/\" id=\"btn\"> Obtenez ce taux <\/a>\n<h3 id=\"tax_total2\"><\/h3>\n<p style=\"text-align: center;\">Rates displayed<\/p>\n<h2id=\"taux3\"><\/h2>\n<p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n<h3 id=\"years_fiexe3\"><\/h3>\n<a href=\"\/en\/obtenir-mon-taux\/\" id=\"btn\"> Obtenez ce taux <\/a>\n<h3 id=\"tax_total3\"><\/h3>\n<p style=\"text-align: center;\">Rates displayed<\/p>\n<h2id=\"taux4\"><\/h2>\n<p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n<h3 id=\"years_fiexe4\"><\/h3>\n<a href=\"\/en\/obtenir-mon-taux\/\" id=\"btn\"> Obtenez ce taux <\/a>\n<h3 id=\"tax_total4\"><\/h3>\n<p style=\"text-align: center;\">Rates displayed<\/p>\n<a href=\"\/en\/obtenir-mon-taux\/\" > Get your rate <em><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-right\" xlink:href=\"#tf-ti-angle-right\"><\/use><\/svg><\/em> <\/a>\n<p id=\"text_bottom\">* 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.<\/p>\n<h2>The advantages of Xperto Mortgages<\/h2>\n<img src=\"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/des_economies.png\" width=\"70\" height=\"512\" alt=\"\">\n<h4 style=\"text-align: center;\">Savings<\/h4> <p>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.<\/p>\n<img src=\"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/affaires_finances.png\" width=\"70\" height=\"512\" alt=\"\">\n<h4 style=\"text-align: center;\">Lowest rate<\/h4> <p>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.<\/p>\n<img src=\"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/100-por-ciento.png\" width=\"70\" height=\"512\" alt=\"\">\n<h4 style=\"text-align: center;\">100% FREE<\/h4> <p>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.<\/p>\n<img src=\"https:\/\/meilleures-hypotheques.ca\/wp-content\/uploads\/2022\/05\/clock-with-dollar-sign.png\" width=\"70\" height=\"512\" alt=\"\">\n<h4 style=\"text-align: center;\">Time management<\/h4> <p>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.<\/p>\n<h2>Calculate your <br\/> Payments<\/h2>\n[themify_layout_part id=\"539\"]\n<p>These figures and calculations are for informational purposes only and cannot be used for contractual purposes. Certain conditions apply. Subject to change without notice.<\/p>\n<h2>Discover the services offered<br\/>By our brokers Xperto Mortgages.<\/h2>\n<h2>A mortgage adapted to<br\/>your situation<\/h2>\n<ul><li><h4>The benefits of Xperto Mortgages services<\/h4><h4>Important financial savings<\/h4> <p>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.<\/p> <h4>Lowest rate<\/h4> <p>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.<\/p> <h4>100% FREE<\/h4> <p>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.<\/p> <h4>Save time<\/h4> <p>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.<\/p><\/li><li><h4>Xperto Mortgages offers you very low rates<\/h4><h4>Xperto Mortgages offers you very low rates<\/h4> <p>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.<\/p> <p>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.).<\/p><\/li><li><h4>Xperto Mortgages brokers are distinguished from other brokers by the following.<\/h4><h4>Professionalism<\/h4> <p>Our mortgage brokers are market specialists who have been trained to understand and quickly respond to your true needs.<\/p> <h4>Time is a precious commodity.<\/h4> <p>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.<\/p> <h4>Set up of funds<\/h4> <p>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.<\/p> <h4>Working hours are very flexible<\/h4> <p>We can meet you at our Quebec City office or at your home, seven days a week.<\/p><\/li><li><h4>Xperto Mortgages, your own financial advisor<\/h4><h4>Xperto, your own financial advisor<\/h4> <p>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.<\/p> <h4>The partner financial institutions with which we work<\/h4> <ul> <li>Equitable Bank<\/li> <li>Scotia Bank<\/li> <li>National Bank<\/li> <li>Laurentian Bank<\/li> <li>SecurFinance<\/li> <li>Manulife Bank<\/li> <li>B2B Bank<\/li> <li>HomeEquity Bank<\/li> <li>FCT<\/li> <li>Mortgage protection scheme<\/li> <li>Merix Financial - Lendwise<\/li> <li>Genworth Financial<\/li> <li>CMHC-CHC<\/li> <li>Canada Guaranty<\/li> <li>TD Canada Trust<\/li> <li>CHIP - Residential Income Program<\/li> <li>First National Financial<\/li> <li>MCAP<\/li> <li>Home Trust<\/li> <li>Pentor<\/li> <li>Unik financing<\/li> <li>Multi-Plans<\/li> <li>Simplici-T<\/li> <li>AdapT<\/li> <\/ul><\/li><\/ul>\n<h4>Important financial savings<\/h4> <p>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.<\/p> <h4>Lowest rate<\/h4> <p>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.<\/p> <h4>100% FREE<\/h4> <p>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.<\/p> <h4>Save time<\/h4> <p>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.<\/p>\n<h4>Xperto Mortgages offers you very low rates<\/h4> <p>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.<\/p> <p>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.).<\/p>\n<h4>Professionalism<\/h4> <p>Our mortgage brokers are market specialists who have been trained to understand and quickly respond to your true needs.<\/p> <h4>Time is a precious commodity.<\/h4> <p>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.<\/p> <h4>Set up of funds<\/h4> <p>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.<\/p> <h4>Working hours are very flexible<\/h4> <p>We can meet you at our Quebec City office or at your home, seven days a week.<\/p>\n<h4>Xperto, your own financial advisor<\/h4> <p>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.<\/p> <h4>The partner financial institutions with which we work<\/h4> <ul> <li>Equitable Bank<\/li> <li>Scotia Bank<\/li> <li>National Bank<\/li> <li>Laurentian Bank<\/li> <li>SecurFinance<\/li> <li>Manulife Bank<\/li> <li>B2B Bank<\/li> <li>HomeEquity Bank<\/li> <li>FCT<\/li> <li>Mortgage protection scheme<\/li> <li>Merix Financial - Lendwise<\/li> <li>Genworth Financial<\/li> <li>CMHC-CHC<\/li> <li>Canada Guaranty<\/li> <li>TD Canada Trust<\/li> <li>CHIP - Residential Income Program<\/li> <li>First National Financial<\/li> <li>MCAP<\/li> <li>Home Trust<\/li> <li>Pentor<\/li> <li>Unik financing<\/li> <li>Multi-Plans<\/li> <li>Simplici-T<\/li> <li>AdapT<\/li> <\/ul>\n<h2>Un pret hypoth\u00e9caire adapt\u00e9 \u00e0 <br\/>votre situation<\/h2>\n<ul><li><h4>The benefits of Xperto Mortgages services<\/h4><h4>Important financial savings<\/h4> <p>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<strong><\/strong><\/p> <h4>Lowest rate<\/h4> <p>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.<\/p> <h4>100% FREE<\/h4> <p>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.<\/p> <h4>Save time<\/h4> <p>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.<\/p><\/li><li><h4>Xperto Mortgages offers you very low rates<\/h4><p> 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.<br \/>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.).<br \/><\/p><\/li><li><h4>Xperto Mortgages brokers are distinguished from other brokers by the following.<\/h4><h4>Professionalism<\/h4> <p>Our mortgage brokers are market specialists who have been trained to understand and quickly respond to your true needs.<\/p> <h4>Time is a precious commodity.<\/h4> <p>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.<\/p> <h4>Set up of funds<\/h4> <p>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.<\/p> <h4>Working hours are very flexible<\/h4> <p>We can meet you at our Quebec City office or at your home, seven days a week.<\/p><\/li><li><h4>Xperto Mortgages, your own financial advisor<\/h4><p>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.<\/p><\/li><li><h4>The partner financial institutions we work with<\/h4><ul> <li>Banque \u00c9quitable<\/li> <li>Banque Scotia<\/li> <li>Banque Nationale<\/li> <li>Banque Laurentienne<\/li> <li>S\u00e9curFinance<\/li> <li>Banque Manuvie<\/li> <li>B2B Banque<\/li> <li>Banque HomeEquity<\/li> <li>FCT<\/li> <li>R\u00e9gime protection hypoth\u00e9caire<\/li> <li>Merix Financial \u2013 Lendwise<\/li> <li>Genworth Financial<\/li> <li>CMHC - SCHL<\/li> <li>Canada Guaranty<\/li> <li>TD Canada Trust<\/li> <li>Desjardins<\/li> <li>CHIP \u2013 Programme de revenu r\u00e9sidentiel<\/li> <li>Financi\u00e8re First National<\/li> <li>MCAP<\/li> <li>Home Trust<\/li> <li>Pentor<\/li> <li>Financement Unik<\/li> <li>Multi-Plans<\/li> <li>Simplici-T<\/li> <li>AdapT<\/li> <\/ul><\/li><\/ul>\n<h4>Important financial savings<\/h4> <p>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<strong><\/strong><\/p> <h4>Lowest rate<\/h4> <p>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.<\/p> <h4>100% FREE<\/h4> <p>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.<\/p> <h4>Save time<\/h4> <p>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.<\/p>\n<p> 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.<br \/>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.).<br \/><\/p>\n<h4>Professionalism<\/h4> <p>Our mortgage brokers are market specialists who have been trained to understand and quickly respond to your true needs.<\/p> <h4>Time is a precious commodity.<\/h4> <p>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.<\/p> <h4>Set up of funds<\/h4> <p>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.<\/p> <h4>Working hours are very flexible<\/h4> <p>We can meet you at our Quebec City office or at your home, seven days a week.<\/p>\n<p>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.<\/p>\n<ul> <li>Banque \u00c9quitable<\/li> <li>Banque Scotia<\/li> <li>Banque Nationale<\/li> <li>Banque Laurentienne<\/li> <li>S\u00e9curFinance<\/li> <li>Banque Manuvie<\/li> <li>B2B Banque<\/li> <li>Banque HomeEquity<\/li> <li>FCT<\/li> <li>R\u00e9gime protection hypoth\u00e9caire<\/li> <li>Merix Financial \u2013 Lendwise<\/li> <li>Genworth Financial<\/li> <li>CMHC - SCHL<\/li> <li>Canada Guaranty<\/li> <li>TD Canada Trust<\/li> <li>Desjardins<\/li> <li>CHIP \u2013 Programme de revenu r\u00e9sidentiel<\/li> <li>Financi\u00e8re First National<\/li> <li>MCAP<\/li> <li>Home Trust<\/li> <li>Pentor<\/li> <li>Financement Unik<\/li> <li>Multi-Plans<\/li> <li>Simplici-T<\/li> <li>AdapT<\/li> <\/ul>\n<h2>A Xperto broker to get the best rate!<br\/><\/h2>\n<ul><li><h4>Xperto :<\/h4><ul> <li>Gets a quick pre-approval for a mortgage;<\/li> <li>Helps you get the best mortgage rate available; <\/li> <li>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?) ;<\/li> <li>Explain the different mortgage products currently available;<\/li> <li> Gives you access to various online tools to help you in your search.<\/li> <\/ul><\/li><li><h4>Why use a mortgage broker rather than a bank?<\/h4><p>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.<\/p> <p>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.<\/p><\/li><li><h4>What is the role of a mortgage broker?<\/h4><p>Your mortgage broker works for you for free to find you the best possible mortgage rate based on your situation:<br \/>- 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;<br \/>- Calculate the amount of your mortgage payments and down payment for a home;<br \/>- Create a budget that takes into account all expenses related to buying a property;<br \/>- Assist in finding programs and incentives that could facilitate The purchase of your home;<br \/>- Support the search for the most advantageous mortgage according to your situation, needs and market trends.<\/p> <p>During your real estate search, your Xperto mortgage broker can also offer you a free rate guarantee to protect you against mortgage rate increases.<\/p><\/li><li><h4>The services of a mortgage broker are free of charge.<\/h4><p>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? <\/p> <p>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.<br \/>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.<\/p> <p>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.<br \/>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.<\/p><\/li><li><h4>Experienced mortgage brokers at your service<\/h4><p>A mortgage broker, often called a mortgage agent, is a person who serves as an intermediary between you and potential mortgage lenders (banks, private lenders, etc.).<\/p> <p>Thanks to his skills, resources and financial partners, he is the best person to help you in your search for a mortgage, renewal and refinancing.<\/p> <p>Therefore, you should contact the mortgage broker for all your mortgage-related needs.<\/p><\/li><\/ul>\n<ul> <li>Gets a quick pre-approval for a mortgage;<\/li> <li>Helps you get the best mortgage rate available; <\/li> <li>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?) ;<\/li> <li>Explain the different mortgage products currently available;<\/li> <li> Gives you access to various online tools to help you in your search.<\/li> <\/ul>\n<p>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.<\/p> <p>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.<\/p>\n<p>Your mortgage broker works for you for free to find you the best possible mortgage rate based on your situation:<br \/>- 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;<br \/>- Calculate the amount of your mortgage payments and down payment for a home;<br \/>- Create a budget that takes into account all expenses related to buying a property;<br \/>- Assist in finding programs and incentives that could facilitate The purchase of your home;<br \/>- Support the search for the most advantageous mortgage according to your situation, needs and market trends.<\/p> <p>During your real estate search, your Xperto mortgage broker can also offer you a free rate guarantee to protect you against mortgage rate increases.<\/p>\n<p>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? <\/p> <p>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.<br \/>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.<\/p> <p>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.<br \/>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.<\/p>\n<p>A mortgage broker, often called a mortgage agent, is a person who serves as an intermediary between you and potential mortgage lenders (banks, private lenders, etc.).<\/p> <p>Thanks to his skills, resources and financial partners, he is the best person to help you in your search for a mortgage, renewal and refinancing.<\/p> <p>Therefore, you should contact the mortgage broker for all your mortgage-related needs.<\/p>\n<h2>Why an Xperto Mortgages broker in Laval?<br\/><\/h2>\n<p>You get fast and efficient service from the Xperto-Plus team of Martin Charbonneau, <b>Xperto mortgage broker<\/b> in Laval, to get the best rates from more than <b>25 financial institutions in Canada<\/b>. Francis has a great deal of expertise in the mortgage field. He will be able to get the <b>best rate<\/b> for your needs thanks to his experience and in-depth understanding of the mortgage market.<\/p>\n<h2>Why contact a mortgage broker in Laval?<br\/><\/h2>\n<ul><li><h4>Laval and its surroundings are represented in a few figures.<\/h4><p>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.<\/p> <p>Here is an overview of the real estate activity observed in the region.<\/p> <p><b>Laval<\/b><b><\/b><\/p> <p><b>Sales and prices<br \/><\/b><b><\/b>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.<\/p> <p><b>Market dynamics<br \/><\/b>Despite an 18% increase in new registrations, the market remains to the advantage of sellers, which indicates a gradual rebalancing.<\/p> <p><b>Commercial sector<br \/><\/b><b><\/b>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.<\/p> <p><b>General trends<br \/><\/b><b><\/b>The Laval real estate market performed very well in 2025, even surpassing that of Montreal in some segments, especially on the banks.<\/p><\/li><li><h4>Why contact a mortgage broker in Laval?<\/h4><p>Qu\u00e9bec mortgage brokers know very well the reality of the market here, which allows them to guide you effectively in your financing procedures. With their constant monitoring of trends and changes in the sector, they can help you make informed choices and make the most of your mortgage loan, whether you want to renew or refinance it.<\/p><\/li><\/ul>\n<p>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.<\/p> <p>Here is an overview of the real estate activity observed in the region.<\/p> <p><b>Laval<\/b><b><\/b><\/p> <p><b>Sales and prices<br \/><\/b><b><\/b>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.<\/p> <p><b>Market dynamics<br \/><\/b>Despite an 18% increase in new registrations, the market remains to the advantage of sellers, which indicates a gradual rebalancing.<\/p> <p><b>Commercial sector<br \/><\/b><b><\/b>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.<\/p> <p><b>General trends<br \/><\/b><b><\/b>The Laval real estate market performed very well in 2025, even surpassing that of Montreal in some segments, especially on the banks.<\/p>\n<p>Qu\u00e9bec mortgage brokers know very well the reality of the market here, which allows them to guide you effectively in your financing procedures. With their constant monitoring of trends and changes in the sector, they can help you make informed choices and make the most of your mortgage loan, whether you want to renew or refinance it.<\/p>\n<h2 style=\"text-align: left;\">Testestimonials<\/h2>\n<h3>Professionalism and quality<\/h3> <p data-pm-slice=\"1 1 []\">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.<\/p> <p>Thank you very much. :)<\/p> Trycia Deroy <h3>Professionalism, quality, responsiveness and value<\/h3> <p>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! <\/p> Pierre-Luk Jean <h3>Reactivity<\/h3> <p data-pm-slice=\"1 1 []\">Very pro-active, Martin always answers our questions, even on weekends and\/or evenings.<\/p> <p>We had a very good job with him.<\/p> Mere Nature <h3>Professionalism, quality and responsiveness<\/h3> <p data-pm-slice=\"1 1 []\">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.<\/p> Soa Ramasindraibe <h3>Professionalism, quality, responsiveness and value<\/h3> <p data-pm-slice=\"1 1 []\">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.<\/p> Florence Hamel\n<h2>Quick request online<\/h2> <p>All you have to do is fill out this form and receive the <strong>best offers<\/strong> with the <strong>best rates<\/strong> and conditions in less than <strong>24 hours<\/strong> depending on your situation.<\/p>\n[themify_layout_part id=\"1015\"]\n<h2>Get a phone callback very fast<br\/><\/h2>\n[themify_layout_part id=\"755\"]","_links":{"self":[{"href":"https:\/\/xpertoplus.ca\/en\/wp-json\/wp\/v2\/pages\/39","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xpertoplus.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/xpertoplus.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/xpertoplus.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xpertoplus.ca\/en\/wp-json\/wp\/v2\/comments?post=39"}],"version-history":[{"count":27,"href":"https:\/\/xpertoplus.ca\/en\/wp-json\/wp\/v2\/pages\/39\/revisions"}],"predecessor-version":[{"id":3646,"href":"https:\/\/xpertoplus.ca\/en\/wp-json\/wp\/v2\/pages\/39\/revisions\/3646"}],"wp:attachment":[{"href":"https:\/\/xpertoplus.ca\/en\/wp-json\/wp\/v2\/media?parent=39"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}