The Best Mortgage Strategy for Your Reality, Not the Bank's.
The Quebec mortgage broker for situations banks don't understand — self-employed income, bruised credit, complex files — and for anyone who wants to be certain they're getting the best rate.
5 years · 20+ lenders · Complex files welcome
Based in Laval, serving Montreal and all of Quebec.
Prefer to call? (514) 895-4228
Three Steps to Your Best Mortgage
No endless paperwork. No waiting in the dark. Just a clear, structured path to your approval.
Initial Consultation
A 20-minute discovery call where we review your goals, income, credit, and timeline. We explain what you qualify for before running any checks.
Strategy & Comparison
We analyze your complete profile and compare offers across 20+ lenders. You receive a structured comparison with rates, terms, and total cost — no guesswork.
Approval & Closing
We handle lender negotiations, documentation, and coordinate with your notary. You stay informed at every milestone until the keys are in your hand.
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AMF Licensed
Regulated by the Autorité des Marchés Financiers
20+ Lenders
Access to major banks and alternative options
End-to-End Support
From first call to closing day and beyond
4.9★ Google
47 reviews from real Quebec homeowners
Why Clients Trust Mortgage Solution
Faster Approvals
Pre-approval in 24–48 hours. We move fast because the market doesn't wait. Direct lender relationships mean your file gets priority attention, not a queue number.
Zero Hidden Fees
Every rate, fee, and condition is disclosed upfront — in plain language, not fine print. Our compensation comes from lenders, so you pay nothing out of pocket for standard residential mortgages.
Quebec Expertise
Five years navigating Quebec's mortgage landscape with an engineering-trained analytical rigor. We know which lenders are flexible on self-employed income, which accept bruised credit, and how to structure complex files that banks reject.
Tailored Mortgage Services
Five distinct solutions, each designed to move you forward with clarity and confidence.
Property Purchase
From first-time buyers to seasoned investors, we guide you through pre-approval to closing. Access competitive rates across 20+ lenders with full transparency at every step.
Refinancing
Unlock your property's equity to consolidate debt, fund renovations, or invest. We structure the optimal strategy to minimize cost and maximize long-term benefit.
Mortgage Renewal
Don't sign yet. Your bank sent you their best rate — for them. We compare the entire market to reduce your payments, shorten amortization, or restructure. Most clients who renew without shopping leave thousands on the table.
Private Lending
Your bank said no. That's not the end. For complex files or temporary bridge situations, we connect you with carefully vetted private lenders. Every risk, cost, and exit plan explained before you commit — with a clear path back to conventional financing.
Commercial Financing
Multi-unit buildings, retail spaces, and development projects demand specialized structuring. We align financing terms with your investment strategy and negotiate aggressively on your behalf.
Not ready to book yet?
Tell us your situation in 60 seconds
Gabriel calls you back personally within 24h.
What Our Clients Say
Fast, transparent, and human support for every file.
“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
“As a first-time homebuyer, I was overwhelmed by all the options. Gabriel simplified everything and walked me through each step. His patience and expertise made the entire process smooth and stress-free.”
Jennifer
First-time buyer in Longueuil
“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
“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
We shop the market for you — from major banks to specialized lenders — so you always get the best possible terms.
About Gabriel
Gabriel Maatouk is a mortgage broker licensed by the AMF in Laval since 5 years. With an engineering foundation — a rare combination in mortgage brokering — he brings analytical rigor to every file: modeled scenarios, unambiguous comparisons, and recommendations based on your real numbers, not commissions. Whether it's your first purchase, a refinancing, or a file your bank turned down, Gabriel acts as a strategic ally — not a salesperson.
His priority: a transparent, structured, and human approach where numbers are always explained clearly. Whether it's a first purchase, refinancing, or a more complex project, Gabriel acts as a strategic ally to protect your budget and long-term goals.
Frequently Asked Questions
Everything you need to know before starting your mortgage journey.
For standard residential mortgages, our services are compensated by the financial institutions. You therefore benefit from our full support at no out-of-pocket professional fees.
A simple discussion or initial consultation with us has absolutely no impact on your credit score. When the time comes, we will clearly explain the implications of any credit inquiry before proceeding.
A mortgage broker gives you access to multiple banks and lenders, with a neutral analysis of their offers. You benefit from potentially better terms and objective advice tailored to your situation, rather than products from a single institution.
For standard residential mortgages, pre-approval can often be obtained within 24-48 hours. The full approval process typically takes 5-10 business days, depending on the complexity of your file and the lender.
Yes. We work with a variety of lenders, including those who specialize in helping clients with challenging credit situations. We'll review your complete profile and find the best available options for your circumstances.
Talk to us about bad-credit mortgages — no judgment, just solutions.
For prime lenders like major banks, a score of 680+ is ideal. Scores between 600-680 may still qualify with some lenders at slightly higher rates. Below 600, we work with alternative and private lenders who focus on equity and income stability rather than credit score alone. We review your full profile to find the right fit.
The Home Buyers' Plan (HBP) lets you withdraw up to $60,000 from your RRSP for a down payment. The First Home Savings Account (FHSA) offers tax-free savings up to $40,000. Additionally, Quebec offers a partial refund of the welcome tax (taxe de bienvenue) for first-time buyers in certain municipalities, including Laval. We walk you through every program you qualify for.
Fixed rates offer payment stability and protection against rate increases — ideal if you value predictability. Variable rates typically start lower and can save money if rates decline or stay flat, but your payments may fluctuate. We model both scenarios against your risk tolerance, budget flexibility, and market outlook to recommend the right fit.
Lenders use your gross debt service (GDS) and total debt service (TDS) ratios. Generally, your housing costs shouldn't exceed 39% of gross income, and total debt shouldn't exceed 44%. With a $100,000 annual income and minimal debts, you could typically qualify for around $400,000-$450,000, depending on down payment and property taxes. We run precise calculations for your situation.
Yes, absolutely. Self-employed borrowers can qualify using stated income, bank statement programs, or by showing two years of tax returns with increasing income. Some lenders accept lower declared income if cash flow is strong. We work with lenders who understand entrepreneurial income and don't penalize legitimate business deductions.
Self-employed? We understand business income. Book a consultation built for entrepreneurs.
Pre-qualification is a rough estimate based on self-reported information — useful for budgeting but not binding. Pre-approval involves a credit check, income verification, and a lender commitment up to a specific amount, valid for 90-120 days. Sellers and realtors take pre-approval seriously; pre-qualification, not so much. We provide real pre-approvals.
Yes, we serve clients across all of Quebec including Montreal, Brossard, Longueuil, Quebec City, Gatineau, and surrounding areas. While our office is in Laval, most of our process happens remotely via phone, video call, and secure document sharing. We're as accessible in Quebec City as we are down the street.
Still have questions?
Get in TouchContact Us
Your situation is unique. Before running numbers or doing anything else, we start by listening. A 20-minute call, no obligation, no pressure. Just clear answers so you know exactly where you stand.
Prefer to call? (514) 895-4228
Laval, QC