RESIDENTIAL

Hypoteck Avantage is now associated with an independent pan-Canadian broker giving itself a new advantage over the competition.

You will find below a small overview of all services and products our agents can offer you.

First, after thoroughly analyzing your financial situation and understanding your need, your agent will explain you all possible option. Than he will choose the most suitable option for you.

•  Financing up to 95% of the purchase price with a low down payment insured mortgage (SCHL, Genworth or AIF depending on employer criteria, revenue, credit, and others)

•  Amortization

•  Reimbursement of up to 6 months of interest

•  Home Buyers Plan (HBP) allows first time buyers to use a part of their RRSP as down payment

•  Access to more than 20 lenders offering the best conditions, rates, efficient and easy approvals

•  Considering rental revenue from 50 to 100 % when qualifying for a mortgage

REFINANCING

•  Equity Withdrawal up to 90% of the market value for all kinds of projects = Boats, Recreational Vehicles, Vacations, and others.

•  Equity line of credit, paying interest only on a monthly basis with principal payments at your discretion

•  Debt consolidation and long term refinancing

ALTERNATIVE FINANCING

•  First and second mortgages available

•  Fewer requirements on employment and revenue conditions

•  Financing facility in case of poor credit history, bankruptcy, self-employed, non-conventional revenue source

•  Debt consolidation to help you rebuild an healthy financial situation

•  Competitive rates, terms and amortization periods

•  No computerized structure for all customers throughout the Quebec region

•  Lack of availability, flexibility, information, and decision power by the intermediates Financial institutions take priority over customer interests

•  The Customer can only obtain traditional services Flexible structures that accommodate groups of agents permitting them to obtain the maximum gratification on volume lenders