Customized services for all your needs
Tailored mortgage solutions to guide you through every step of your journey — whether it's a first purchase, refinancing, or an investment project.
Our Mortgage Services
We offer a comprehensive range of mortgage services to guide you through each step of your mortgage journey.
Buy your first property
We guide you through the process of buying your first property, helping you understand the available options and getting the best rate.
- Pre-approval
- Advice on programs
- Customized guidance
Mortgage Refinancing
Optimize your current mortgage to free up funds, reduce monthly payments or finance important renovations.
- Access to net value of your property
- Consolidation of high-interest debt
- Financing of important projects
Mortgage Renewal
Get the best conditions when renewing your mortgage, without stress or administrative hassles.
- Negotiation of best rates
- Review of your financial situation
- Comparison of market offers
Real Estate Investment
Finance your real estate investment projects with tailored solutions to your long-term growth goals.
- Location-based real estate financing
- Portfolio growth strategies
- Rentability analysis
Consolidation of Debt
Consolidate your debt at high-interest rates into a single mortgage at favorable rates to save your money.
- Monthly payment reduction
- Simplification of your finances
- Substantial interest savings
Mortgage Insurance
Protect your investment and family with customized insurance solutions tailored to your mortgage.
- Mortgage life insurance
- Protection in case of injury
- Protection in case of serious illness
WHY CHOOSE A MORTGAGE BROKER?
Discover the benefits of working with a mortgage broker for your next real estate mortgage.
Access to multiple brokers
Unlike banks that only offer their own products, we have access to over 25 financial institutions to offer you the best options.
Negotiation of best rates
We negotiate with your name to get the best rates and favorable terms that you wouldn't get alone.
Free and without obligation
Our services are generally free for you, as we are paid by mortgage lenders when a mortgage is finalized.
Expertise and personalized advice
Get expert advice tailored to your unique situation and an ongoing support throughout the process.
A Simplified Process
A simple and effective process to guide you through each step of your mortgage loan.
Initial consultation
We discuss your needs, goals, and financial situation to understand your project.
Collect Documents
We gather the necessary documents to prepare your mortgage application.
Negotiation and Search
We search for the best offers from our financial partners and negotiations with your name.
Approval and Finalization
We assist you until the final approval and signature of documents at the notary.
Competitive Rates
* Some conditions may apply. Subject to change without notice.
1 year
4.59%
Fixed3 years
4.04%
Fixed5 years
4.19%
Fixed7 years
4.59%
FixedVariable
3.55%
VariableOur Client Reviews
Discover what our clients say about their experience with Simon Desgranges-Jean
"Une très belle expérience avec Simon. A su répondre à mes questions rapidement et il est très efficace. Je recommande! (Translated by Google) A very positive experience with Simon. He answered my questions quickly and was very efficient. I highly recommend him!"
Mélanie Olmstead Photographe
"J’ai adoré faire affaire avec Simon Excellent service Merci beaucoup à toi (Translated by Google) I loved doing business with Simon. Excellent service. Thank you so much!"
Nathalie Dallaire
"Wowowowowow"
Alex Chenail
"Lache pas mon chum, t’es la personne qui a le plus de coeur dans une équipe (Translated by Google) Don't give up, my friend, you're the person with the most heart on the team"
Alex Pelo
"Super de bonne personne! J’ai adoré faire affaire avec toi. Je recommande à 100%!! (Translated by Google) What a great person! I loved doing business with you. I recommend you 100%!"
Léa-Maude Fontaine
"Très très beau. (Translated by Google) Very, very beautiful."
Denkillua
"Merveilleux, professionnel et fantastique sont 3 mots qui me vient en tête quand je pense à mon experience avec Simon. (Translated by Google) Wonderful, professional and fantastic are 3 words that come to mind when I think about my experience with Simon."
Maxime Brousseau
"Très bon service! Il est vraiment sympathique et à l'écoute (Translated by Google) Excellent service! He is very friendly and attentive."
Gab 18
"Super marrant, très motivant et attentionné. J’le kiffe Simon (Translated by Google) Super funny, very motivating and thoughtful. I love Simon."
Alice Roy
"Super service et efficace! Merci pour tout! (Translated by Google) Excellent and efficient service! Thank you for everything!"
Yamthe Wamba
"Was fantastic belle homme!"
Ricardo Chavez
"Awesome service!! Would highly recommend!!"
shayne weldrick jones
"Service courtois et professionnel (Translated by Google) Courteous and professional service"
Sylvain Dumont
"Reliable, hard working, trustworthy and pretty chill. I highly recommend Simon!"
Ellie Desgranges
"Personne de confiance ,professionnel et tres aimable je vous le recommande (Translated by Google) A trustworthy, professional, and very friendly person; I highly recommend him."
Sylvie Banville
"Super expérience ! Il a réussi à me guider niveau finance et je sais pas mal où je pars là-dedans maintenant. Je vous le recommande ! (Translated by Google) Great experience! He was able to guide me financially, and I have a pretty good idea of where I'm going with that now. I highly recommend him!"
Maxanthony Dube
"Excellent service , professionnel et à l'écoute de ses clients. (Translated by Google) Excellent service, professional and attentive to its customers."
jessica hottote
"Un service impeccable, je le recommande fortement! (Translated by Google) Impeccable service, I highly recommend it!"
Antoine Piche
"Super expérience ! Il est très à l’écoute de nos besoins, a un excellent sens de l’humour et se montre très disponible. Je le recommande vivement ! (Translated by Google) Fantastic experience! He listened carefully to our needs, had a great sense of humor, and was very available. I highly recommend him!"
Roda Montoya
"Très bon , passionner pas son travail et super efficace (Translated by Google) Very good, passionate about his work and super efficient"
Frederic Boucher
"Rapide et super sympathique, merci (Translated by Google) Quick and super friendly, thank you!"
cynthia messier
"Très bon service, excellent accompagnement de A a Z (Translated by Google) Excellent service, superb support from start to finish"
don michael
"Excellent service ! Merci pour tout ! (Translated by Google) Excellent service! Thank you for everything!"
Mathieu S
"He really helped me with my finances. Always positive"
stevio050891
"Super service, très a l'écoute et compétent ! (Translated by Google) Excellent service, very attentive and competent!"
Francois Robert
"Une très belle expérience avec Simon. A su répondre à mes questions rapidement et il est très efficace. Je recommande! (Translated by Google) A very positive experience with Simon. He answered my questions quickly and was very efficient. I highly recommend him!"
Mélanie Olmstead Photographe
"J’ai adoré faire affaire avec Simon Excellent service Merci beaucoup à toi (Translated by Google) I loved doing business with Simon. Excellent service. Thank you so much!"
Nathalie Dallaire
"Wowowowowow"
Alex Chenail
"Lache pas mon chum, t’es la personne qui a le plus de coeur dans une équipe (Translated by Google) Don't give up, my friend, you're the person with the most heart on the team"
Alex Pelo
"Super de bonne personne! J’ai adoré faire affaire avec toi. Je recommande à 100%!! (Translated by Google) What a great person! I loved doing business with you. I recommend you 100%!"
Léa-Maude Fontaine
"Très très beau. (Translated by Google) Very, very beautiful."
Denkillua
"Merveilleux, professionnel et fantastique sont 3 mots qui me vient en tête quand je pense à mon experience avec Simon. (Translated by Google) Wonderful, professional and fantastic are 3 words that come to mind when I think about my experience with Simon."
Maxime Brousseau
"Très bon service! Il est vraiment sympathique et à l'écoute (Translated by Google) Excellent service! He is very friendly and attentive."
Gab 18
"Super marrant, très motivant et attentionné. J’le kiffe Simon (Translated by Google) Super funny, very motivating and thoughtful. I love Simon."
Alice Roy
"Super service et efficace! Merci pour tout! (Translated by Google) Excellent and efficient service! Thank you for everything!"
Yamthe Wamba
"Was fantastic belle homme!"
Ricardo Chavez
"Awesome service!! Would highly recommend!!"
shayne weldrick jones
"Service courtois et professionnel (Translated by Google) Courteous and professional service"
Sylvain Dumont
"Reliable, hard working, trustworthy and pretty chill. I highly recommend Simon!"
Ellie Desgranges
"Personne de confiance ,professionnel et tres aimable je vous le recommande (Translated by Google) A trustworthy, professional, and very friendly person; I highly recommend him."
Sylvie Banville
"Super expérience ! Il a réussi à me guider niveau finance et je sais pas mal où je pars là-dedans maintenant. Je vous le recommande ! (Translated by Google) Great experience! He was able to guide me financially, and I have a pretty good idea of where I'm going with that now. I highly recommend him!"
Maxanthony Dube
"Excellent service , professionnel et à l'écoute de ses clients. (Translated by Google) Excellent service, professional and attentive to its customers."
jessica hottote
"Un service impeccable, je le recommande fortement! (Translated by Google) Impeccable service, I highly recommend it!"
Antoine Piche
"Super expérience ! Il est très à l’écoute de nos besoins, a un excellent sens de l’humour et se montre très disponible. Je le recommande vivement ! (Translated by Google) Fantastic experience! He listened carefully to our needs, had a great sense of humor, and was very available. I highly recommend him!"
Roda Montoya
"Très bon , passionner pas son travail et super efficace (Translated by Google) Very good, passionate about his work and super efficient"
Frederic Boucher
"Rapide et super sympathique, merci (Translated by Google) Quick and super friendly, thank you!"
cynthia messier
"Très bon service, excellent accompagnement de A a Z (Translated by Google) Excellent service, superb support from start to finish"
don michael
"Excellent service ! Merci pour tout ! (Translated by Google) Excellent service! Thank you for everything!"
Mathieu S
"He really helped me with my finances. Always positive"
stevio050891
"Super service, très a l'écoute et compétent ! (Translated by Google) Excellent service, very attentive and competent!"
Francois Robert
FREQUENTLY ASKED QUESTIONS
Find answers to your most frequently asked questions
01. What is a mortgage pre-approval?
A pre-approval is a preliminary assessment of your borrowing capacity. It gives you a maximum amount you can borrow and a guaranteed rate for a set period, usually 90 to 120 days.
02. What is the difference between fixed and variable rates?
A fixed rate stays constant throughout the term, offering payment stability. A variable rate fluctuates with the Bank of Canada's key rate, potentially more advantageous but with more risk.
03. How much down payment do I need?
In Canada, the minimum down payment is 5% for properties under $500,000, 10% for the portion between $500,000 and $1M, and 20% for properties over $1M. I can help you explore your options.
Schedule an Appointment
Book a personalized consultation to discuss your mortgage needs and get tailored advice.