Mortgages - Stéphane Dahan - Real Estate and Mortgage Broker

Mes services

Buying a home is an important decision and investment. I will guide you through the entire process, providing valuable information, saving you time and finding the mortgage that best suits your needs.

As an independent expert, estate agent and mortgage broker, I will advise you on the financial options available to you. I am not tied to any specific lender or product, which allows me to offer you mortgages that perfectly meet your needs.

Rather than wasting your valuable time meeting with different mortgage lenders, consult me. I can quickly provide you with a shortlist of lenders who will help you achieve your financial goals. I will make comparing financial products quick, easy and convenient.

New loan

Need a new mortgage? I can help you make the right choice while staying within your budget.

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Renewal

When the time comes to renew your mortgage, I will help you review your options and simplify and facilitate the renewal process.

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Refinancing

Sometimes refinancing is the best option for a variety of reasons. Let me compare the options available to you!

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« No charges will be made to you. »

Types of loans

Are you familiar with personalised mortgages? Not all mortgages are created equal. I will ensure that the mortgage you receive helps you achieve your financial goals.

No stress, no paperwork, no commitment.

A fixed-rate mortgage is considered secure because your interest rate will not change during the entire term you choose. This means you know exactly how much capital and interest you will pay over the life of the loan. Loan terms range from 6 months to 10 years. Fixed-rate mortgages allow you to repay a certain amount in advance, representing 10% to 25% of the initial loan balance each year, depending on the lender. If you wish to repay the entire balance of your mortgage, you will have to pay a penalty equal to 3 months’ simple interest or an interest rate differential. The advantage of this loan is that the interest rate is lower than that of a mortgage loan that can be repaid early. This option is popular with people who do not plan to repay their loan early during the chosen term.

Variable rate

A variable-rate mortgage allows you to take advantage of the current low prime rate. Most variable-rate products offer a rate lower than the prime rate for terms ranging from one to five years. Loan terms vary from three to six years. Monthly payments vary depending on the product or lender chosen. In some cases, it is possible to pay a fixed amount for up to five years, but the interest rate will fluctuate according to the bank’s prime rate. In other cases, monthly payments fluctuate according to changes in the prime rate throughout the term.

Mortgage loan with early repayment

An early repayment mortgage allows you to repay part or all of your loan at any time without penalty. Interest rates are generally higher and are indexed to the bank’s prime rate.

Secured credit line

A secured line of credit allows you to use the equity in your property whenever you want. Rates are indexed to the prime rate and are generally slightly higher than the prime rate. The balance is paid in the form of interest only, which is a wise choice when cash flow is important. Interest rates are lower than those for an unsecured line of credit. You can take out a secured line of credit and a mortgage if the equity in your property is sufficient.

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What our customers say

Testimonials

We had a very good experience with Stephan. He helped us find the perfect home and always had our best interests at heart. He was always available and quick to help us and answer our questions.
I highly recommend him to anyone looking for a top-notch estate agent!

Silvana Carbajal

“I had the pleasure of working with Stéphane, and I can say without hesitation that he exceeded all my expectations. From our very first meeting, Stéphane was professional, knowledgeable and truly attentive to my needs. He took the time to understand exactly what I was looking for and guided me with patience and care through every step of the purchasing process. His expertise in the local market helped me find the perfect home. I highly recommend Stéphane to anyone looking for a reliable and dedicated estate agent.”

Rajesh Goel

Duration	OUR BEST RATES	MOST BANKS
1 year closed	1,84 %	3,59 %
2 years	1,84 %	3,74 %
3 years	1,54 %	3,89 %
4 years	1,59 %	3,94 %
Fixed for 5 years	1,64 %	4,99 %
Variable over 5 years	1,60 %	5,64 %
7 years	1,99 %	5,80 %
10 years	2,14 %	6,10 %

My role

Mortgage brokers play an important role in today’s mortgage industry. They work for their clients. What many Quebecers don’t know is that there are about 20 different lenders in the province, including the major banks, of course, which creates a wide range of mortgage products and rates.

Mortgage brokers can provide you with information on a multitude of mortgage rates and options. Mortgage brokers will act on your behalf.

What is the role of a mortgage broker?

The role of a mortgage broker is to obtain the best interest rate and terms on the market for you, based on your financial profile.

We work with more than 20 financial institutions, including Caisse Desjardins, Toronto-Dominium Bank (BTD), Scotiabank, Laurentian Bank (BLC), and others. We will visit these financial institutions in a single meeting.

Why use a mortgage broker?

Why use a mortgage broker? By working with a TMG Mortgage broker, you will save time and money. Enjoy fast, efficient and personalised service, wherever and whenever you want, free of charge!

Why use my services?

I will negotiate on your behalf. Many people are reluctant to negotiate a mortgage directly with their bank or do not know how to go about it. Even if you already have a relationship with a bank branch, TMG Mortgage negotiates millions of pounds with various credit institutions every year. We therefore have privileged relationships with lenders. I can leverage this relationship to negotiate your loan and guarantee you competitive rates and the most advantageous terms.

I will also ensure that you get the best rates and terms. Even if you have already obtained mortgage pre-approval from your bank or another financial institution, there is no reason not to continue shopping around! I can do the research for you to find a solution that is better suited to your needs.

Are you familiar with customised mortgages? Not all mortgages are created equal. I will make sure that the loan you receive helps you achieve your financial goals. Whether you are borrowing to buy, renovate or benefit from mortgage interest deductions, I can ensure that your mortgage will help you achieve your financial goals.

Let me help you finance the purchase of your home!

I'll take care of the details!

Take advantage of my services for your residential and commercial mortgage transactions, free of charge.

Mes services

New loan

Renewal

Refinancing

Types of loans

No stress, no paperwork, no commitment.

Variable rate

Mortgage loan with early repayment

Secured credit line

What our customers say

Testimonials

Silvana Carbajal

Rajesh Goel

Duration and rate

Payment calculator

My role

What is the role of a mortgage broker?

Why use a mortgage broker?

Need a mortgage?

Why use my services?

Do you have any questions?

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