A MORTGAGE LOAN IN CANADA

· In June 2006, over +1000 mortgage broker agents produced over 3 billion loans in Quebec alone.

· 75% of the mortgage market is yet to be developed and credit is still extended conventionally.

· Only 5 % of the commercial mortgage market has been developed yet.

· Demand for secondary or alternative financing for residential construction, multi-dwellings, commercial and others is still in spite of financial institutions’ restrictions.

· More than 75% of the credit for residential mortgage market (including 95% of the multi-dwellings and commercial) is still conventionally extended by financial institutions

· No structure for real estate agents and qualified market intermediates. Absence of network for real estate agents and qualified market intermediates.

· Here is an idea of the services that are offered to you by our mortgage agents. Our first task is to do a detailed analysis of your financial situation and your needs. We then supply you with an understanding of all the aspects that a mortgage loan entails.

· Offer yourself services from a mortgage broker. You will able to compare different options that are offered to you and make a clear decision on what you need. You will then feel assured that you are obtaining the best market conditions while benefitting from the lowest rates and broker expertise, all this while allowing you to achieve substantial savings. See our rates located on our home page.

· Lack of suitable mortgage solutions regarding residential, commercial and multi-units dwellings loans.

· No computerized network has been developed to provide services in every regions of Quebec.

· Lack of availability, flexibility and decision-making power from market participant.

· Financial institutions priories their own interest instead of those of their clients.

· Clients have no choice than to resort to traditional financing.