Mortgage solutions designed for every project
Benefit from end-to-end support to secure financing that fits your reality, ambitions, and timelines.
Access to more than 25 lending institutions
Tailored solutions for every buyer profile
Human guidance from the first call to closing
What you get
A clear plan to buy, renew, or refinance without stress
Qualified pre-approval with advice on your down payment.
Rate monitoring and proactive renegotiation when the market shifts.
A Multi-Prêts team simplifying every step
Fast pre-approval
We review your file and lock a competitive rate in under 24 hours so you can shop with confidence.
Personalized strategies
Optimise your file with recommendations tailored to your down payment, goals, and timeline.
Proactive follow-up
Our team monitors the market and adapts your strategy to benefit from rate movements.
Mortgage pre-approval — the essential step before buying
With a pre-approval you refine your search, avoid surprises, and negotiate with confidence. Équipe Caron quickly identifies lenders who welcome your profile and helps optimise your borrowing power.
- Continuous analysis of your file to direct you toward lenders that truly match your criteria.
- Guidance to gather the right documents and present a spotless file.
- Strategies to protect your credit score while comparing the best options.
Frequently asked pre-approval questions
Once you know how much you can borrow, you can refine your search and avoid considering homes outside your budget. You also learn which lenders are most likely to approve your loan.
Most lenders lock your rate for up to 120 days. During that period your broker watches the market so you can benefit from a lower rate if conditions improve.
Your Équipe Caron broker limits unnecessary enquiries. They know which institutions to approach for your profile, helping protect your credit score.
Pre-approval is not definitive: job changes, divorce, or new debts can alter the final decision. Your broker will adjust the strategy if required.
Your Équipe Caron Multi-Prêts broker guides you through 5 simple steps
From preparing your file to the final signature, we stay by your side to make every decision clear.
Step 1: identify your lender
STEP 2: Calculate your repayment capacity
STEP 3: Calculate your debt ratio
STEP 4: Apply
- Personal information
- Credit score: this must also be considered. The higher your score, the greater your chances of being approved.
- Financial information: pay slips, previous years’ tax returns, funds in your bank accounts, major assets you own, debts, etc.
Step 5: choose the best offer
Pre-qualification: get a head start
Think about pre-qualification as soon as you are ready to begin your search. This simple, fast step gives you an estimate of your borrowing power and prepares you to negotiate effectively.
- Get a clear picture of how much you can borrow before you start shopping.
- Lock your rate months in advance to protect yourself from increases.
- Strengthen your credibility with sellers and save time at offer stage.
Get your mortgage prequalification letter easily and free of charge from your Multi-Prêts Équipe Caron broker. To do so, they’ll ask for proof of income, family income, residence, and other relevant documents depending on your situation (for example, whether you’re an employee or self-employed). The broker will help you understand both the bank-approved budget — which complies with lender and insurer ratios — and your personal budget, based on your own financial reality.
Thanks to prequalification, you can lock in your interest rate to protect yourself from potential increases — sometimes for up to 6 months. The best part? It doesn’t commit you to anything. And if interest rates drop, you can still take advantage of the new, lower rates. A true win-win situation!
Many potential buyers who don’t work with a mortgage broker wait too long to gather all the information needed to make an offer — not to mention the steps and waiting periods required by the different parties involved in their file. The result? They run out of time to get their mortgage approved and risk missing out on an opportunity that might not come around again anytime soon. When you work with a mortgage broker, they handle everything so you’re ready to purchase your property on time. Our brokers are used to working under tight deadlines — where every single day counts.
How do I secure a mortgage loan?
Get your mortgage prequalification letter easily and free of charge from your Multi-Prêts Équipe Caron broker. This essential document helps you understand how much you can borrow and shows sellers that you’re a serious buyer. To obtain it, your broker will ask for specific documents such as proof of income, family income, proof of residence, and other details depending on your situation — whether you’re an employee, self-employed, or a real estate investor. Your broker will then analyze your file in detail to establish two key budgets: the bank-approved budget, which follows the ratios required by lenders and mortgage insurers, and your personal budget, based on your actual expenses and financial goals. This dual approach ensures you know not only how much the bank will lend you, but also how much you can comfortably afford without affecting your lifestyle. In other words, prequalification isn’t just a formality — it’s the foundation for a smart, confident, and financially secure home purchase.
I want to buy
Plenty of documentation to gather
- Recent pay stubs or federal/provincial tax assessments.
- Your credit score and debt ratios.
- Property appraisal and purchase agreement.
The application itself
Lenders have you complete a full application and may request extra financial details before issuing an approval — or a decline. Your broker makes sure your file meets expectations.
Signing the commitment
Before the final signature, the lender may require additional details about the property. Once satisfied, they sign the commitment so you can close the transaction.
Renegotiate your mortgage to your advantage
When your mortgage comes due, you can revisit the rate, adjust payments, and adapt your strategy to your current reality. Équipe Caron helps you negotiate and compare competitive offers.
- How will I know my mortgage is up for renewal?
- What happens if I ignore the renewal notice?
- Life changes that may impact your ability to pay.
- Competition works for you: compare before you sign.
Questions to ask at renewal
Should I make extra payments? Do I shorten the amortisation? Do I need a fixed or variable rate for the next few years? Your broker helps you find the best combination.
Your property: the key to reaching your goals
Refinancing lets you borrow at lower rates to pay off debt or fund projects. Your broker analyses options, potential penalties, and whether refinancing makes sense for your situation.
- Complete major renovations.
- Purchase a recreational vehicle or major equipment.
- Expand your home or finance a rental property.
- Start a business or consolidate high-interest debt.
Refinancing before the end of the term may trigger penalties. Équipe Caron compares the costs with other financing solutions to confirm whether the move remains worthwhile.
You can refinance up to 80% of your property’s market value — whether it’s a house, cottage, condo, or plex.
Multi-unit financing: solutions for larger projects
We understand that multi-unit projects are complex and require specialised financing. Our team helps you build a strategy tailored to your portfolio and return objectives.
We assess the economic value of the property, build a robust file, and negotiate across a wide network of lenders to secure the ideal terms.
Need to speak with a mortgage expert?
Share your details and a member of Équipe Caron will call you back shortly to discuss your project.
100% free service — response in under 24 hours.