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Your mortgage broker.

Black-and-white aerial view of Montreal and the Farine Five Roses sign
Purchase · Renewal · RefinancingAcross Québec

I compare offers from more than twenty lenders and negotiate for you.

Share my situation

What I’ll do for you.

I make lenders compete

Your bank offers its own products. I ask several lenders to quote on the same balance and term.

I build a file that holds up

Every lender reads variable income, self-employment or a partial down payment its own way. I know which one looks at what, and I present yours accordingly.

I negotiate through to signing

I compare the payment, interest, fees and penalty method, make the case for your file, and stay with you until the notary.

Three steps.

We start by talking. The file comes after.

Black-and-white view of a Quebec bridge crossing the river

You write to me

Your project, the date that matters, what you already know. Five minutes is enough.

I build the file

I flag the missing pieces, send the file to lenders and compare their offers.

You decide

What’s confirmed, what still depends on the lender, what’s left to sign. Nothing goes out without you.

How I work
Mathieu St-Onge, mortgage broker

Mathieu St-Onge, mortgage broker since 2023.

I prepare the application and walk you through the options. The lender keeps the final say on credit and the property.

About Mathieu

A service for every situation.

Every project has its page: what I check, the documents to gather, and the questions that come up.

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Your net income doesn’t tell the whole story.

You deduct expenses to pay less tax, and your net income looks smaller than your real capacity. Some lenders have programs that recognize gross income or add back eligible expenses. I point you to those.

View the service

The guides, to prepare before you call.

One guide per project: what to gather, what the lender checks, and where it usually stalls.

Buying a property in Quebec

Down payment, documents, prequalification and the financing condition, in order.

Renewing without going by the rate alone

Compare the offer you received with other lenders, on the same balance and term.

Refinancing with a clear goal

The total cost, the penalty and what’s left once the fees are paid.

Analyzing a rental property

The rents the lender counts, the expenses, and the required down payment.

All guides

Across Quebec, without the drive.

The file comes together by phone, video call and document exchange. Local notes, city by city:

Frequently asked questions

When should I call you?

Before making an offer, a few months before a renewal deadline, or as soon as a refinancing project takes shape. The earlier you call, the more options you have.

Which documents should I prepare?

For the first call, none. We talk, I understand your situation, and then I tell you which records to pull. Usually: proof of income, your debts and your down-payment statements.

Does prequalification guarantee financing?

No, and that matters before you remove a financing condition. The lender still has to review your current documents, your credit and the property. I tell you what is confirmed and what isn’t.

Can you check my renewal offer?

Yes, and you should let me. Send it over as soon as it arrives: I compare it with what other lenders will do on your balance. Sometimes staying is the right call. You’ll know it from the numbers.

Compare mortgage terms from different lenders.

Major banks, credit unions, and specialized lenders each apply their own criteria, products, and terms. A logo does not mean that a mortgage will be offered or approved.

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Buying, renewing, or refinancing?