100% free service for you
The best rate,
without the shopping around.
Hypothèque Avantage negotiates on your behalf with more than 30 financial institutions and private lenders. Founded in Saint-Constant in 2016 — full support from the first call to signing.
30+
partner institutions
9 ans
of financing expertise
24-48h
average response time
100% gratuit
for you, paid by the lender
Always free for you
Mortgage pre-approval
Free
Know your budget before you start house-hunting, within a few business days.
First home purchase
Free
Full support for your first purchase, from file preparation to signing.
Mortgage renewal
Free
We recheck the market before your term ends so you don't auto-renew at the same rate.
Refinancing
Free
Free up equity for a project, or consolidate debt at a better rate.
Self-employed financing
Free
Specialized expertise for building non-traditional files with the right lenders.
Financial consultation
Free
A clear, honest picture of your financial situation, no fees or pressure.
Partner institution since 2016
30+ institutions
and private lenders
100% free
for you, paid by the lender
Fast approval
24-48h average response
Online store
Full catalog →Brokerage stays free. These specialized consultations and tools are billed separately, if you need them.
Popular
In-depth financial analysis (1h)
$150
Home purchase game plan
$99
Strategic refinancing consultation
$125
Full credit report
$35
First-time buyer's guide
$19
Borrowing capacity calculator
$49
Annual renewal follow-up
$89
Limited edition
Official pre-qualification certificate
$25
We'd been shopping for our first mortgage ourselves for two months. Catherine found a better rate in a week, and we paid nothing for it.Sophie Gagnon & Marc-Antoine Dubé, first-time buyers — Saint-Constant
Our 4-step approach
01
Consultation
We discuss your situation, goals and timeline — free of charge.
02
Shopping around
We submit your file to over 30 institutions to find the best rate.
03
Approval
Average response in 24-48h, with conditions clearly explained.
04
Signing
We support you all the way to the notary, and stay available after.
Ready to negotiate your mortgage without lifting a finger?
A free consultation, no obligation — we take care of the shopping around.
Request your free consultation