Get the best mortgage rate.

We find in less than 24 hours the mortgage for your needs in the best conditions and all in a single application.

I want to purchase / renew / refinance

Your Xperto broker = Over 25 financial partners

We negotiate for you with more than 25 financial partners including the largest banks, caisses and financial institutions in Canada to find the best rates on the market and in the best conditions as well as to obtain quick mortgage pre-approvals.

Get your rate

Get the best rates on the market

Xperto rate

Mortgage rates as of today

Multi-Prêt rate

Get this rate

Mortgage rates as of today

Multi-Prêt rate

Get this rate

Mortgage rates as of today

Multi-Prêt rate

Get this rate

Mortgage rates as of today

Multi-Prêt rate

Get this rate

Mortgage rates as of today

Get your rate

* Some conditions may apply. Subject to change without notice. Rates may vary depending on amount borrowed, collateral offered or other factors. Contact your broker at Martin Charbonneau Mortgage Brokers for more information.

The advantages of Xperto

Savings

We have a complete understanding of the market, allowing us to aggressively negotiate for you the most favorable and affordable mortgage loan, as opposed to banks or financial institutions, which are obligated to provide you just their goods, allowing you to save significantly.

Lowest rate

Xperto has access to the best rates in the market due to the large volume of mortgages created (over 44 billion). Simultaneously, we have access to a diverse range of rates offered and promoted by a variety of banks and institutions. We find the greatest prices for you.

100% free

Mortgage brokers supply you with completely free services. There are no additional fees or commissions to pay. Indeed, the broker is compensated by banks and financial organizations for promoting mortgage products. As a result, we offer our services for free.

Time management

You won’t have to meet with a slew of banks and financial institutions or fill out a mountain of paperwork to get the best deal. The follow-ups will be handled by your broker, who will also keep you informed about any changes to your file and draft all necessary documentation and contracts. Procedures are streamlined, and you save a significant amount of time.

Discover the services offered by Xperto brokers.

Pre-approval

If you want to buy a house and start your search, it is important to get pre-approved for a mortgage so that you can make an offer to purchase.

Learn more

Pre-qualification

Pre-qualification for a mortgage is a crucial estimate that confirms your borrowing capability.It is essential to show your credibility to your seller.

Learn more

Buying

It makes no difference whether it’s for a primary or secondary residence. Multi-prêts hypothèque will assist you in obtaining the most favorable financing terms for your situation.

Learn more

Renewal

It’s time to pay off your mortgage. You’ve received a renewal offer from your financial institution, and you want to evaluate if it’s competitive.

Learn more

Refinancing

Xperto looks for the most cost-effective refinancing option for you. All of the costs associated with your refinancing are estimated for you, including appraisal, cash back, and notary fees.

Learn more

A mortgage adapted to your situation

The Benefits of Using Xperto

We have a thorough knowledge of the market, which allows us to intensively negotiate for you the most favorable and cheapest mortgage loan, compared to banks or financial institutions, which are forced to offer you only their products, allowing you to make significant financial savings.

Lowest Rate

Due to the high volume of mortgages generated (over 44 billion), Xperto has access to the best rates in the market. At the same time, we have access to a wide range of rates offered and promoted by a number of banks and institutions. For you, we locate the best pricing.

100% FREE

Mortgage brokers provide entirely free services to you. There are no hidden costs or commissions. Indeed, the broker is compensated for marketing mortgage products by banks and financial institutions. As a result, we provide our services at no cost.

Saving time

To receive the best rate, you won’t have to meet with a bunch of banks and financial institutions and submit a thousand paperwork. Your broker will handle all follow-ups, keep you updated on any changes to your file, and draft all essential documentation and contracts. Procedures are simplified, and you save a lot of time.

Xperto offers you very low rates

Due to the large amount of loans (over 44 billion mortgages), Xperto has simultaneous access to a variety of rates provided by several banks and financial institutions. Contrary to the advisors of banks and financial institutions, who are limited to offering their own products, this allows us to find you the best rates from a large selection. You then have access to a variety of financial lenders, some of which only accept applications through mortgage brokers, allowing you to evaluate all available options.

Furthermore, Xperto’ mortgage brokers have an in-depth knowledge of the market, which allows them to advise you on how to obtain the lowest mortgage rate. Furthermore, we answer all your questions in order to facilitate your decision (fixed or variable rate, long or short term, etc.).

Professionalism

Our mortgage brokers are market specialists who have been trained to understand and respond rapidly to your true needs.

Time is a valuable commodity.

Thanks to your Xperto mortgage broker, you will receive proposals from a variety of financial institutions in one single request. You won’t have to meet with a slew of different lenders and hand over a zillion different documents to each one. Your broker is in charge of everything.

Setting up funds

To begin with, a mortgage broker’s services are entirely free. He or she not only negotiates the most favorable and least expensive mortgage for you (in comparison to the banks), but he or she also offers a selection of additional financial services to help you save or grow your money.

The working hours are very flexible.

We may meet with you at our Québec office or at your home seven days a week.

Xperto, your own financial advisor

On a daily basis, our mortgage brokers communicate with over 25 different financial partners across Canada (banks, caisses, insurance companies, and so on). We are constantly monitoring market movements and opportunities that may be of interest to our clients. We can also help you locate the best mortgage terms and rates by comparing offers from a variety of lenders, some of which you may not have direct access to.

A mortgage adapted to your situation

The Benefits of Using Xperto

The Benefits of Using Xperto

We have a thorough knowledge of the market, which allows us to intensively negotiate for you the most favorable and cheapest mortgage loan, compared to banks or financial institutions, which are forced to offer you only their products, allowing you to make significant financial savings.

Lowest Rate

Due to the high volume of mortgages generated (over 44 billion), Xperto has access to the best rates in the market. At the same time, we have access to a wide range of rates offered and promoted by a number of banks and institutions. For you, we locate the best pricing.

100% FREE

Mortgage brokers provide entirely free services to you. There are no hidden costs or commissions. Indeed, the broker is compensated for marketing mortgage products by banks and financial institutions. As a result, we provide our services at no cost.

Saving time

To receive the best rate, you won’t have to meet with a bunch of banks and financial institutions and submit a thousand paperwork. Your broker will handle all follow-ups, keep you updated on any changes to your file, and draft all essential documentation and contracts. Procedures are simplified, and you save a lot of time.
Xperto offers you very low rates

Xperto offers you very low rates

Due to the large amount of loans (over 44 billion mortgages), Xperto has simultaneous access to a variety of rates provided by several banks and financial institutions. Contrary to the advisors of banks and financial institutions, who are limited to offering their own products, this allows us to find you the best rates from a large selection. You then have access to a variety of financial lenders, some of which only accept applications through mortgage brokers, allowing you to evaluate all available options.

Furthermore, Xperto’ mortgage brokers have an in-depth knowledge of the market, which allows them to advise you on how to obtain the lowest mortgage rate. Furthermore, we answer all your questions in order to facilitate your decision (fixed or variable rate, long or short term, etc.).
Xperto brokers differ from other brokers in the following ways.

Xperto brokers differ from other brokers in the following ways.

Professionalism

Our mortgage brokers are market specialists who have been trained to understand and respond rapidly to your true needs.

Time is a valuable commodity.

Thanks to your Xperto mortgage broker, you will receive proposals from a variety of financial institutions in one single request. You won’t have to meet with a slew of different lenders and hand over a zillion different documents to each one. Your broker is in charge of everything.

Setting up funds

To begin with, a mortgage broker’s services are entirely free. He or she not only negotiates the most favorable and least expensive mortgage for you (in comparison to the banks), but he or she also offers a selection of additional financial services to help you save or grow your money.

The working hours are very flexible.

We may meet with you at our Québec office or at your home seven days a week.
Xperto, your own financial advisor
Xperto, your own financial advisor

On a daily basis, our mortgage brokers communicate with over 25 different financial partners across Canada (banks, caisses, insurance companies, and so on). We are constantly monitoring market movements and opportunities that may be of interest to our clients. We can also help you locate the best mortgage terms and rates by comparing offers from a variety of lenders, some of which you may not have direct access to.

The partner financial institutions we work with

ADAP-T / CML

B2B Banking

Fair Trade Bank

Manulife Bank

Caisses Populaires Desjardins

Canada Guaranty

CHIP – Home Income Plan

CMHC / CMHC

Multi-Plane

Pentor

PeoplesTrust

SecurFinance

Simplici-T

SSQ

TD Canada Trust

CTF

Unik Financing

First National Financial

Haventree Financial

FNF

SAGEN / Genworth Financial

Home Trust

MCAP

Merix Financial – Lendwise

HomeEquity Bank

National Bank

Scotiabank

Laurentian Bank

Equitable Bank

A Xperto broker to get the best rate!

Since 1982, Xperto
Obtains a quick pre-approval for a mortgage loan;

Assists you in obtaining the best mortgage rate available; advises you on the type of rate (fixed or variable? ), the amortization period (for example, 10, 20, or 30 years?), and the term (for example, 3, 5, or 10 years? );

Explains the various mortgage products currently available;

Explains the various mortgage products currently available;

Gives you access to various online tools to help you in your search; provides you with access to various online tools to help with your search.

Provides you with access to various online tools to help with your search.
Why use a mortgage broker instead of a bank?

A broker has a significant edge over a bank. Without having to negotiate with each financial institution, the broker negotiates the best prices for you and obtains rate discounts. Whether you need a pre-approval, a renewal, or a refinance for your house or condo, we can help.

Based on your needs and financial situation, your Xperto mortgage broker will find the best mortgage products for you. He will also negotiate with a number of banks and financial institutions in order to save you as much money as possible.
What are the responsibilities of a mortgage broker?

Depending on your circumstances, your mortgage broker will work for free to find you the best mortgage rate.

He or she is accessible and responsive and can assist you with a variety of tasks, such as:

– Obtaining a mortgage pre-approval so you know how much you can borrow;

– Calculating the amount of your mortgage payments and your down payment on a home; and obtaining a mortgage pre-approval so you know how much you can borrow.

– Putting together a budget that accounts for all of the costs associated with purchasing a home;

– Investigating programs and incentives that could assist you in purchasing a home;

– Looking for the best mortgage for your situation, demands, and market conditions.

Your Xperto mortgage broker can arrange a rate guarantee at no cost to you during your real estate search to protect you from rising mortgage rates.
A mortgage broker's services are free of charge.

Do you want to be able to investigate all of your options by speaking with a variety of financial lenders, some of whom only accept mortgage broker applications? Do you want to be sure you’re getting the best terms possible depending on your current financial situation and credit history?

Would you like professional assistance in selecting a product and a financial institution that is both appropriate for you? If you answered yes to one or more of these questions, working with a mortgage broker is the best way to achieve your goals.

Whether you are buying your first home, a second home, or a rental property, you will benefit from the free services of a mortgage broker. You will have all of the chances in your favor in order to obtain the best mortgage rates, as well as specialist counsel that will streamline all of your operations.

Our Xperto mortgage brokers are paid by the banks with which they operate. They do not work on commission; instead, their income is determined by the amount of money borrowed. No mortgage broker wants you to sign a loan that is more expensive than the one next to it. As a consequence, when you work with us, you can rest guaranteed that you’ll get the best mortgage rate possible.

As you can see, transparency is always a major concern for us. Our goal is to give you as much information as possible so that you can make an informed decision and choose the best mortgage formula for you while avoiding penalties.
Mortgage brokers with experience at your service

A mortgage broker, often known as a mortgage agent, is a person that serves as a go-between for you and potential mortgage lenders (banks, private lenders, etc.).

Thanks to their skills, resources, and financial partners, they are the most knowledgeable person to assist you in your quest for a mortgage loan, its renewal, and refinancing.

As a result, you should contact the mortgage broker for any mortgage-related needs.

Why a Xperto mortgage broker in Laval?

You get fast and efficient service from Martin Charbonneau a, Xperto mortgage broker in Laval, to get the best rates from more than 25 financial institutions in Canada. Martin has a lot of expertise in the mortgage industry. He will be able to obtain the best rate for your needs thanks to his experience and comprehensive understanding of the mortgage market.

A Xperto broker in Laval City to get the best rate!

Laval and its environs are depicted in a few figures.

Quebec City, part of the National Capital Region is attracting an increasing number of visitors because of its inviting living environment and easy access to its attractions by public transit, Its cultural activity, and its tourism.

The number of real estate transactions in the region in 2021 is shown below.

Great Québec Area: 9,750
Why should you contact a mortgage broker in Laval?

Our mortgage brokers in Quebec City have in-depth knowledge of the local market and are thus in the best position to offer you sound advice while looking for a mortgage. They’re always on the lookout for market shifts and trends, making them the best friends for maximizing the value of your loan, whether it’s renewed or refinanced.

The following is the average household income in the surrounding cities:

In Quebec City, $92,799

Testimonials

Professionalism, Quality

I was taken care of quickly, very efficient, works hard for his clients, always looks for solutions and very diplomatic. I recommend him 100%. We are in the process of buying a house and Mr. supports us even on weekends, responds quickly to our messages and phone calls. A great confidence in this man.
Thank you so much. 🙂

Trycia Deroy

Professionalism, Quality, Responsiveness, Value

Francis M-Johnson is a truly qualified and professional person who will talk to you and answer any questions you have without delay. I have never had to wait for an answer. Always very polite and clear in explaining the requirements to meet, I always felt completely confident and well taken care of, as a client AND as an individual going through an important stage in his life! I would recommend him to anyone looking to buy a home, whether they are experienced or not in this transaction!

Mother Nature

Professionalism, Quality, Responsiveness

When we bought our house, Mr. Mathieu-Johnson offered us impeccable service. He has a very human approach, is very responsive and is always willing to answer questions. He accompanied us throughout the entire purchase process. I would recommend his services to my friends and family.

Sarah Champagne

Professionalism, Quality, Responsiveness

Soa Ramasindraibe

Professionalism, Quality, Responsiveness, Value

Francis explained the whole home buying process very well and guided us through it by being available for our questions and finding us the best rate in a very short time. Thank you for your good advice and your time Francis, much appreciated.

Florence Hamel

Quick online request

Simply fill out this form and receive the best offers with the best rates and conditions in less than 24 hours tailored to your situation.

Get the best mortgage rate.

We find in less than 24 hours the mortgage for your needs in the best conditions and all in a single application.

Your Xperto broker = Over 25 financial partners

Get the best rates on the market

Xperto rate

Mortgage rates as of today

The advantages of Xperto

Savings

Lowest rate

100% free

Time management

Discover the services offered by Xperto brokers.

Pre-approval

Pre-qualification

Buying

Renewal

Refinancing

A mortgage adapted to your situation

The Benefits of Using Xperto

Lowest Rate

100% FREE

Saving time

A mortgage adapted to your situation

A Xperto broker to get the best rate!

Why a Xperto mortgage broker in Laval?

A Xperto broker in Laval City to get the best rate!

Testimonials

Professionalism, Quality

Professionalism, Quality, Responsiveness, Value

Professionalism, Quality, Responsiveness

Professionalism, Quality, Responsiveness

Professionalism, Quality, Responsiveness, Value

Quick online request

Request a call