Mortgage Broker in Montreal & Quebec

Compare lenders, understand your options, and get mortgage guidance for buying, renewing, or refinancing in Quebec.

Current Rates

More Quebec homeowners are facing higher mortgage payments at renewal than at any time in recent years.

As low-rate mortgages expire, many borrowers are seeing significant payment increases. I help you compare lenders, reassess your mortgage, and find solutions that fit today’s market reality.

Current Rates

Current variable mortgage rate is

3.70%

Current prime rate is

4.45%

- Terms
- Bank Rates
- Payment Per $100k
- Our Rates
- Payment Per $100k
- Savings
- 6 Months
- 7.89%
- $756.21
- 4.59%
- $558.49
- $197.72
- 1 Year
- 6.15%
- $648.75
- 4.59%
- $558.49
- $90.26
- 2 Years
- 5.44%
- $606.90
- 4.39%
- $547.37
- $59.53
- 3 Years
- 4.62%
- $560.16
- 4.34%
- $544.61
- $15.55
- 4 Years
- 6.01%
- $640.40
- 4.39%
- $547.37
- $93.03
- 5 Years
- 4.56%
- $556.81
- 4.39%
- $547.37
- $9.44
- 7 Years
- 6.41%
- $664.38
- 4.59%
- $558.49
- $105.89
- 10 Years
- 6.81%
- $688.72
- 4.59%
- $558.49
- $130.24

_{Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. E.& O.E.}

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Calculators

Use our interactive mortgage calculators to estimate payments, compare scenarios, and better understand what you can afford before buying, refinancing, or renewing your mortgage in Quebec.

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How to Apply

Mortgage decisions in Quebec today are about strategy, not just applications. I help you compare lenders, evaluate your options, and structure financing around your current financial reality — whether you’re buying, renewing, or refinancing.

Simple process. Informed decisions. Better clarity.

Apply Now

Mortgage Broker in Montreal & Quebec

I help home buyers, homeowners, self-employed borrowers, and newcomers compare mortgage options from multiple lenders across Quebec. Mortgage guidance is available in English, French, and Spanish for clients in Montreal, Laval, and throughout Quebec.

Need to Know What Mortgage Options You Have?

Tell me about your situation and I'll help you understand your next step, whether you are buying, renewing, refinancing, self-employed, or new to Canada.

English • Français • Español

Start My Mortgage Review Call or Text 438-883-1726

How Can I Help You?

Choose the mortgage solution that best matches your situation.

Buying a Home

Explore mortgage options for your first home or your next property purchase.

Refinancing

Access your home equity, consolidate debt, or improve your monthly cash flow.

Mortgage Renewal

Compare your renewal options before signing with your current lender.

Working With a Mortgage Broker

Instead of being limited to one bank's products, I help you compare mortgage options from banks, credit unions, monoline lenders, and alternative lenders.

Access to multiple lenders
Personalized mortgage advice
Support throughout the application process
Solutions for home buyers, homeowners, self-employed borrowers, and newcomers
Service in Montreal, Laval, and throughout Quebec

Thelma Pareras Varela, mortgage broker in Montreal and Quebec

Meet Thelma Pareras Varela

Hi, I'm Thelma Pareras Varela, a licensed mortgage broker helping clients in Montreal, Laval, and throughout Quebec better understand the mortgage process.

Whether you are buying your first home, renewing your mortgage, refinancing your home, or exploring financing options as a self-employed borrower or newcomer to Canada, I help you compare mortgage solutions based on your goals and financial situation.

Ready to Talk About Your Mortgage?

Whether you are buying, renewing, or refinancing, let's talk about your situation and your next step.

Call or Text Thelma

Mortgage Broker Services in Montreal, Laval & Quebec

I work with clients in Montreal, Laval, and throughout Quebec to help them compare mortgage rates, understand approval requirements, and find financing options suited to their financial situation.

Frequently Asked Mortgage Questions

Can newcomers qualify for a mortgage in Quebec?

Yes. Several mortgage programs can help newcomers obtain financing in Canada.

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How much down payment do I need?

Down payment requirements vary, but some buyers may qualify with as little as 5% down.

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Can I qualify if I am self-employed?

Yes. Self-employed borrowers can qualify through traditional or alternative lenders.

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What credit score is needed for a mortgage?

Credit requirements vary depending on the lender and mortgage type.

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