Reduce Your Monthly Payments by Up to 50%.
You're juggling three payments, two interest rates, and a bank that keeps saying no. There's a cleaner path. Mortgage refinancing lets you fold it all into one lower monthly payment — and keep more of what you earn.
5 years · 20+ lenders · Complex files welcome
100% free — no obligation
Results vary based on your debts, rates, and available equity.
Prefer to call? (514) 895-4228
My Specialty: Mortgage Refinancing
Five distinct solutions, each designed to move you forward with clarity and confidence. Refinancing is my primary focus.
Refinancing
Consolidate your debts. Reduce your monthly payments by up to 50%. One payment, one lender, one solution.
Private Lending
Your bank said no. That's not the end. I connect you with vetted private lenders for complex files — with a clear plan to move to conventional financing when you're ready.
Mortgage Renewal
Don't sign yet. Your bank sent you their best rate — for them. I compare the entire market to reduce your payments, shorten amortization, or restructure. Most clients who renew without shopping leave thousands on the table.
Property Purchase
From first-time buyers to seasoned investors, I guide you through pre-approval to closing. Access competitive rates across 20+ lenders with full transparency at every step.
Commercial Financing
Multi-unit buildings, retail spaces, and development projects demand specialized structuring. I align financing terms with your investment strategy and negotiate aggressively on your behalf.
AMF Licensed
Regulated by the Autorité des Marchés Financiers
Response in 24h
From first contact to clear plan
End-to-End Support
From first call to closing day and beyond
No Fees if Not Approved
You pay nothing if your file doesn't close
Why Quebec Homeowners Choose Me
Fast, Clear Analysis
I build your debt consolidation plan within 48–72 hours. You see your payment scenarios, lender options, and projected savings before committing to anything.
Zero Hidden Fees
Every rate, fee, and condition is disclosed upfront — in plain language, not fine print. My compensation comes from lenders, so you pay nothing out of pocket for standard residential mortgages.
Quebec Expertise
Five years helping Quebec homeowners consolidate debt through mortgage refinancing. I know which lenders work for complex files, impaired credit, and self-employed income — and I get results banks can't match.
How It Works — Four Simple Steps
No endless paperwork. No waiting in the dark. Just a clear, structured path to your approval.
Check Your Eligibility
Fill out a short questionnaire or call me directly. I'll tell you honestly if refinancing makes sense for your situation — no credit check, no commitment.
15-Minute Pre-Qualification Call
A focused 15-minute call to understand your debts, income, and property. I'll tell you honestly if I can help and what your options look like.
Your Personalized Plan
I build a complete debt consolidation analysis — payment scenarios, lender options, and projected savings. You see the full picture before deciding anything.
I Handle Everything
I structure the file, submit to my lender network, and coordinate with the notary. You relax. I keep you updated at every milestone.
Most clients go from first call to clear plan in under 72 hours.
What Clients Say
Fast, transparent, and human support for every file.
“Did we help you reduce your monthly payments? Share your experience — it helps other Quebec homeowners find us.”
“We used Mortgage Solution for refinancing to renovate our home. The process was incredibly efficient, and Gabriel found us terms that saved us thousands over the life of our mortgage. Truly exceptional service.”
David & Sarah
Owners in Montreal
“Gabriel took the time to truly understand our situation before presenting options. In just a few days, he found us a much better rate than our bank, while explaining every detail clearly. We felt confident from start to finish.”
Marie & Jonathan
Buyers in Laval
“I had a renewal coming up with very little time to shop around. Gabriel quickly compared several lenders and presented the numbers transparently. I was able to make an informed decision without stress.”
Alexandre
Owner in Brossard
“Our file was a bit more complex due to business income, but Gabriel found tailored solutions. He responded quickly to our questions and always sent complete information, nothing hidden. We recommend his services to all our loved ones.”
Sofia & Miguel
Investors in Montreal
“I approached Gabriel for a commercial property investment. His knowledge of the Quebec market and his network of lenders made what seemed impossible, possible. Professional from start to finish.”
Robert
Investor in Quebec City
Access to Over 20 Financial Institutions & Alternative Lenders
I shop the market for you — from major banks to specialized lenders — so you always get the best possible terms.
Not ready to book yet? That's fine.
Leave your number. Gabriel calls you back personally within 24 hours.
Gabriel calls you back personally within 24h.
About Gabriel
I'm Gabriel — AMF-licensed mortgage broker, Laval-based, five years working with Quebec homeowners on debt consolidation and refinancing. Before this, I was an engineer. The precision stuck.
Most people who call me have already been told no. By their bank. Sometimes twice. My job isn't to judge the situation — it's to find what actually works for it. Clear scenarios, real numbers, no pressure.
The first call is always free. And always honest. If I can help you, I'll tell you exactly how. If I can't, I'll tell you that too.
5+
Years in Quebec
20+
Lender Partners
100%
Free Analysis
Based in Laval, serving Montreal and all of Quebec.
Frequently Asked Questions
Everything you need to know before starting your mortgage journey.
Many Quebec homeowners reduce their total monthly payments by up to 50% when consolidating consumer debt through mortgage refinancing. The exact amount depends on your current debts, interest rates, and available equity. Book a free call and I'll build your exact scenario.
For standard residential mortgages, my services are compensated by the financial institutions — you benefit from my full support at no out-of-pocket professional fees. For complex files involving private or alternative lenders, a broker fee may apply. This will always be disclosed clearly and upfront before you commit to anything — no surprises. Either way, one rule never changes: if your file does not close, you pay nothing.
Yes. I work with a variety of lenders, including those who specialize in helping clients with challenging credit situations, complex income, or files banks simply don't want. I review your complete profile and find the best available options for your circumstances.
Talk to me about bad-credit mortgages — no judgment, just solutions.
A simple discussion or initial consultation with me has absolutely no impact on your credit score. When the time comes, I'll clearly explain the implications of any credit inquiry before proceeding.
600 is the minimum for insured mortgages. 680+ typically gets the best rates with A lenders. Below 600, I work with B lenders and private lenders who focus on equity and repayment history rather than credit score alone. I review your full profile to find the right fit.
Your total mortgage after refinancing cannot exceed 80% of your property's appraised value. For example, if your home is worth $500,000, the maximum new mortgage is $400,000. If your current mortgage is $280,000, you have up to $120,000 available to consolidate debt or access equity. I calculate this precisely in your free analysis.
Still have questions?
Get in TouchContact Us
No forms. No pitch. Just a 20-minute call where you talk, I listen, and we figure out together if there's a path worth taking. No obligation — ever.
Prefer to call? (514) 895-4228
Laval, QC