Reverse Mortgage - Mathieu St-Onge

Reverse mortgage > Specifically designed for elderly homeowners in Quebec who wish to leverage the accumulated value of their residence while staying in their homes.

A reverse mortgage allows homeowners to convert a portion of their home's net value into cash without having to sell their property. It is a popular option for retirees who want to improve their quality of life, finance medical expenses, pay off debts, or simply enjoy their retirement without financial worries.

Access to liquidity

A reverse mortgage allows you to unlock a portion of your home's net value as liquid funds. You can use these funds as you see fit, whether it's for financing projects, travel, healthcare expenses, or any other financial need.

Retention of ownership and occupancy rights

Unlike a traditional sale, you retain ownership of your home and continue living in it as the owner. This provides you with the security and stability of being a homeowner.

No monthly repayments required

One of the unique advantages of a reverse mortgage is that typically no monthly repayments are required. The advanced amounts are repaid when the house is sold, often upon the owner's death or when they permanently leave the residence.

Use of liquid funds

Project financing
Home renovations, real estate investments.

Travel
Travel and adventures you've always dreamed of.

Healthcare
Coverage for medical expenses or long-term care.

Financial needs
Debt repayment, investments, family assistance.

Benefits of Working with Us

Expertise and Experience

My team consists of experienced professionals in the field of mortgages. We possess in-depth knowledge of the mortgage market and best practices to guide you through your real estate purchase process.

Access to a Wide Network of Lenders

Through our network of financial partners, we have access to a diverse range of lenders, allowing us to present you with competitive and diverse mortgage options.

Thorough Analysis of Your Financial Situation

We conduct a detailed analysis of your financial situation, including your income, debts, credit history, and other relevant factors. This thorough analysis enables us to provide personalized recommendations that take into account your specific needs.

Searching for the Best Rates and Conditions

We compare interest rates, repayment conditions, and other important aspects to help you find the best offers in the market. Our objective is to secure advantageous conditions for your residential mortgage.

Support Throughout the Process

We are there for you at every step of the process, from the initial application to the closing of your residential mortgage. We answer your questions, provide guidance, and assist you with all necessary procedures.

Beyond the principal of the loan, it's crucial to understand the other costs involved in securing a mortgage. Closing costs, interest, mortgage insurance, appraisal and inspection fees, and other associated expenses can add up. My team and I work to help you understand these costs and incorporate them into your overall financial plan. We want to ensure that you are fully prepared and comfortable with all aspects of your real estate investment.

Serving All Regions of Quebec

As a dedicated mortgage broker, I take pride in offering services across all regions of Quebec. From the metropolitan areas of Montreal and Quebec City to the culturally rich regions of Eastern Townships and Saguenay–Lac-Saint-Jean, from the breathtaking beauty of Gaspésie and the North Shore to the vibrant community of Outaouais and the charming villages of Chaudière-Appalaches, we are well-equipped to serve clients from every corner of this diverse province. Regardless of where you are located, my team and I are committed to helping you navigate the home buying process and secure the most suitable residential mortgage for your needs.

A Deep Understanding of Quebec's Varied Real Estate Market

Every region of Quebec offers a unique real estate landscape, and understanding these variations is key to securing the best mortgage. With our extensive experience and broad coverage, we have gained a deep understanding of Quebec's varied real estate markets. Whether you're looking to purchase a historic home in Old Quebec, a contemporary condo in downtown Montreal, a waterfront property in Charlevoix, or a rustic cottage in the Laurentians, we will leverage our knowledge and expertise to find a financing solution that aligns with your financial situation and homeownership goals.

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Mortgages

Purchase of property

I can assist you in obtaining a mortgage financing for the purchase of a residential property, whether it is your first home or a real estate investment.

Mortgage Pre-Approval

If you are considering buying a property, my team can assist you in obtaining a quick and easy mortgage pre-approval. This will allow you to know how much you can afford to spend before you begin your property search.

Residential Mortgage

I offer residential mortgages for a variety of needs, including fixed-rate and variable-rate loans, as well as hybrid mortgages.

Mortgage Refinancing

If you're looking to refinance your mortgage to obtain better interest rates or to consolidate your debts, my team and I can assist you in finding a refinancing solution that suits your financial situation.

Mortgage Renewal

When your mortgage reaches its maturity date, my team and I can assist you in finding a new mortgage loan with competitive interest rates.

Home Equity Line of Credit (HELOC)

If you are looking for a flexible financing solution to meet your financial needs, a home equity line of credit could be the ideal solution for you. When your mortgage reaches its maturity date, my team and I can assist you in finding a new mortgage loan with competitive interest rates.

Secondary Residences

If you dream of having your own haven of peace for summer getaways or family stays, my team and I are here to accompany you and help you make your project a reality.

Rental Properties and Projects

Que vous envisagiez l'acquisition d'un immeuble résidentiel multifamilial ou d'un bâtiment commercial, nous comprenons les particularités de ces propriétés et sommes prêts à vous accompagner dans le processus de financement.

Commercial Mortgage

Obtain financing tailored to your expansion and real estate development projects. Our team specializes in commercial mortgages and we can assist you in obtaining the necessary funds to achieve your entrepreneurial ambitions.

Flip Mortgage

If you are a real estate investor seeking financing for quick renovation and resale projects, we are here to help you obtain a flip mortgage tailored to your needs.

Private Lender

Custom mortgage financing solutions tailored to your specific needs. Whether you have unique circumstances or unconventional loan criteria, we will work with you to find a personalized solution that meets your financial requirements.

Self-Employed Individuals

Hypothecary Solutions for Self-Employed Individuals: Obtain financing tailored to your specific needs.

Reverse Mortgage

We can help you find a reverse mortgage that allows you to convert a portion of your home's equity into cash while retaining ownership and the right to occupy your house.

Interim Mortgage (Bridge Loan)

If you need a temporary financing solution for a specific period, we are here to help you obtain an interim mortgage loan tailored to your specific needs.

Mortgage with Renovations

If you're considering purchasing a property that requires renovations or improvements, we are here to guide you through this exciting process. We can help you obtain a tailored mortgage loan that includes the necessary funds for renovations, allowing you to transform the property according to your desires.

Mortgage for International Purchase

If you're considering acquiring a property abroad, whether it's for vacation purposes, investment, or establishing your primary or secondary residence, my team and I are here to help you realize your project.

Newcomers to Canada

If you have recently arrived in the country and wish to fulfill your dream of becoming a homeowner, my team and I are here to support you throughout this process.

Mortgage for Non-Residents

If you are a non-resident of Canada and wish to invest in real estate in the country, my team and I are here to assist you in obtaining a mortgage loan tailored to your situation.

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A reverse mortgage is a retirement financing option that allows homeowners to convert the value of their real estate property into income. The reverse home loan, also known as an income mortgage, is designed for seniors seeking to improve their financial retirement. To understand how reverse mortgage works, it's essential to understand the underlying mortgage calculation.

Borrowers of a senior mortgage loan must consider their age when considering this retirement funding option. Wealth management is a key aspect of retirement financial planning to maximize the benefits of reverse mortgage. Deferred payment mortgage is an important feature of reverse mortgage, allowing borrowers to postpone repayments.

One of the advantages of reverse mortgage is the possibility for seniors to stay in their homes while accessing funds for their retirement. Homeowners can use their real estate ownership as collateral to obtain a reverse mortgage. Retirement financial planning should take into account the advantages and disadvantages of reverse mortgage.

The disadvantages of reverse mortgage include the reduction of the property's net value over time. Reverse mortgage can offer flexible retirement solutions based on the borrower's financial needs. It's essential to discuss with a qualified financial advisor before getting a reverse mortgage. Mortgage repayment can be postponed until the end of the borrower's life in the case of a reverse mortgage.The advantages of reverse mortgage include financial security for seniors and a reduction in the burden of mortgage payments. Income mortgage is becoming an increasingly popular retirement funding option due to its unique benefits.

Retirement financing can be a challenge, but reverse mortgage can provide a viable solution.Homeowners must weigh the advantages and disadvantages of reverse mortgage based on their personal financial situation.

Retirement financial planning should take into account the value of real estate ownership and its potential role in retirement. Reverse mortgage offers seniors the opportunity to convert their real estate wealth into a stable income stream. A reverse home loan can be a valuable tool for those looking to improve their financial retirement through the value of their home.