Define the project
Buying, renewing and refinancing involve different needs. In Quebec, the route currently presented is limited to purchases.
Canada · Mortgage solutions
A mortgage route built around your project.
Buying, renewing or refinancing: prepare the right questions, then review current information and conditions at the official destination.
Availability, pricing, eligibility and conditions vary. No savings or approval is guaranteed.
Practical guide
Before requesting a mortgage solution
A mortgage decision depends on your circumstances, application and lender criteria. No rate, financing or approval is guaranteed.
Prepare documents
Income, down payment, debt, property and identity may be verified. Submit personal information only through the official route.
Compare total cost
Look beyond the rate: term, penalties, fees, prepayment privileges and conditions can affect the full cost.
The right questions before you choose
Buying your first home: where do you start?
Write down your monthly budget, available down payment, target date and other purchase costs. Ask the licensed professional which documents they need and when. An estimate or a conversation does not constitute financing approval.
What is the difference between term and amortization?
The term is the length of your mortgage contract. Amortization is the planned period for repaying the loan. Ask how each choice affects payments and overall cost, and have the calculation assumptions explained.
What should you ask at renewal?
Request a written proposal. Compare the rate, fees, repayment conditions and consequences of switching lenders or selling before the term ends. Also check whether the referral route supports your type of project and province.
What matters beyond the interest rate?
Ask about possible penalties, prepayment privileges, switching costs and refinancing conditions. Have unfamiliar clauses explained before signing. Pageau Connect is an information starting point; it does not provide personalized mortgage advice.
Next step
Review the official information.
Review the current details, prepare your documents and complete every application yourself.
Official destination information always prevails. Complete every application yourself and never send sensitive information by message.
General guide prepared by Pageau Connect · Editorial update: November 12, 2026.
About and approach · IBO 08488032