What I do for you
Six situations, one way of working: I build your file once, present it to several lenders, and explain every option in dollars per month.
Your first purchase
Minimum down payment, HBP, FHSA, land transfer tax rebate, CMHC insurance: we cover everything you're entitled to before you even start visiting.
Don't sign your bank's letter
The renewal rate sent by mail is almost always higher than the market rate. Write to me 120 days before maturity.
Using your home's equity
Consolidate high-interest debt, finance a renovation, help a child buy. We calculate together whether the monthly savings justify the breakage penalty.
Second property and plex
Four-season cottage, duplex or triplex: down payment rules and rental income calculations vary from lender to lender.
When the bank said no
Business income, dividends, two years of financial statements: some lenders are made for these files. A branch refusal isn't a final answer.
Know your budget before you visit
Rate guaranteed for 90 to 120 days, confirmed amount, letter same day. A solid pre-approval is often worth more than an extra thousand dollars on your offer.
Broker or branch
The honest comparison, line by line. Your bank does its job well — but it only has one product to sell you: its own.
What half a point is worth
On a $400,000 mortgage amortized over 25 years, here's the interest gap paid over a five-year term. Rounded figures, for illustration.
About $55 less per month on your payment.
About $110 less per month, and principal paid down faster.
The typical gap between a posted rate and a well-negotiated one.
That's all it takes to know where you stand. No commitment, no credit check before your consent.
Examples provided for illustration only, calculated on interest paid over a five-year term, monthly payments. Rates vary by lender, your credit file, the nature of the property and the type of term. Rates subject to change without notice, and any offer remains subject to lender approval.
Five steps, three weeks
From the first call to signing at the notary's. You only need to provide your documents once.
Call and pre-approval
Twenty minutes on the phone: income, debts, down payment, project. Pre-approval letter provided the same day in most cases.
Rate shopping
I submit your profile to several lenders and come back with a comparison table: rate, payment, penalty and prepayment privileges.
Building the file
Pay stubs, notice of assessment, bank statements, accepted offer. You send them to me through a secure portal.
Final approval
Property appraisal if the lender requires it, conditions lifted, mortgage commitment signed and sent to the notary.
At the notary's
I verify that the deed's numbers match what we negotiated, then stay available until renewal.
Karine Bédard
Twelve years in mortgage lending, six of them as an account manager at a financial institution before moving into brokerage in 2013. It was from the other side of the desk that I realized how rarely the posted rate is actually the best one available.
Affiliated with Multi-Prêts Hypothèques, I work mainly with first-time buyers and self-employed clients in the Quebec City area. I answer my own calls, including in the evening.
Holder of a mortgage broker license issued by the Autorité des marchés financiers (AMF). Services offered in French and English.
Availability
An offer submitted on the weekend? Text me: I work at the market's pace, not office hours.
Get in touch
Multi-Prêts Hypothèques, 3130, boulevard Laurier, bureau 610, Québec, QC G1V 4T3Meetings at the office, at your home, or by video call. Documents sent through a secure portal.
418 555-0189 karine@bedardhypotheque.caWhat I need to get started
- —Your income: last two pay stubs, or two notices of assessment if self-employed
- —Your debts: card balances, lines of credit, car loan, child support
- —Your down payment and its source (savings, HBP, FHSA, family gift)
- —No credit check is done before your written authorization
Get your free pre-approval.
Twenty minutes on the phone, a letter the same day, a rate protected for up to 120 days. No fees, no commitment, and no credit check without your consent.
Mortgage broker holding a license from the Autorité des marchés financiers. The rates and examples shown on this page are provided for illustration purposes, subject to change without notice, and any financing offer remains subject to lender analysis and approval.
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