Gilles is a specialized heavy truck operator who is self-employed. He does a lot of deliveries in Quebec, western Canada, and the United States. Being self-employed, he sometimes has a lot of expenses. He wants to buy a home that would have a good…
Mélissa is very hardworking mother of 3 and always pays her bills on time. Unfortunately, she is in the process of divorce. Mélissa wants to buy a new, smaller house in Laval. She has an excellent deposit that will come from the…
Laurie and Maxime are a young couple who just bought a house a couple of years ago. They got really excited about renovating their home. They did not have enough money to complete all the work they wanted to do…
Anna is a proud immigrant to Canada. She worked hard in her country of origin and decided to settle here in Quebec. When she arrived, she bought a duplex in cash to move in with her 2 adult children and their respective spouses. Life was good for many years. When she retired, her income dropped considerably.…
Barbara lives in Longueuil. She is retired and owns 4 apartment building, which are currently rented. She needs extra liquidity to make ends meet and bring urgent repairs to her building. Not having a lot of income from her annuities and not having used her credit cards for a long time, she…
Robert is a firm believer that the early bird gets the worm! he puts in many hours at work and makes sure his family does not lack for anything. Robert is a general contractor and things are going quite well for him. His wife Stacey is a personal support worker and a devoted…
A co-signer is often a family member, friend or relative who signs the mortgage with you. He or she is a co-borrower & co-owner of the building. We take on a co-signer mainly for 2 reasons: Our credit score is…
A mortgage non-renewal is when a bank refuses to renew your mortgage at the end of your term. In other words, they no longer want you as a customer and require full reimbursement of their loan. Several factors cause the…
It is unfortunate, but more and more people are going for a divorce or going their separate ways when their relationship ends. Often the stress of work, the commitments with the children and overcharged routine make couple life difficult. That…
Félicitations! Vous avez récemment renouvelé ou refinancé votre hypothèque avec moi, et je vous en remercie chaleureusement. 🙏 Vous êtes maintenant mieux positionné·e pour faire face aux défis économiques d’obtenir et maintenir un hypothèque Québec 2025 … mais ce n’est…