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.
Prefer to call? (514) 895-4228
Who This Is For
First-Time Buyers
Navigating your first purchase with expert guidance through every milestone
Growing Families
Upsizing with a strategy that protects your long-term budget
Investors
Building your portfolio with optimized financing structures
How It Works
Discovery Call
We review your goals, income, credit, and savings. You receive a clear picture of what you qualify for before any credit checks.
Pre-Approval
Lock in your buying power with a certified pre-approval letter. Know your exact budget before you start visiting properties.
Rate Comparison
We compare offers from 20+ lenders and present a structured breakdown of rates, terms, and total cost of borrowing.
Offer Support
When you find the right property, we help structure a competitive offer and ensure your financing is solid before conditions are waived.
Closing Day
We coordinate with your notary, lender, and realtor to ensure a seamless closing. You pick up the keys with confidence.
What You Get
24-48h Pre-Approval
Know your budget fast and shop with confidence
Rate Comparison
Side-by-side lender offers with total cost analysis
Zero Hidden Fees
Every cost disclosed upfront in plain language
Closing Support
We handle lender coordination until keys in hand
Common Questions
For most residential purchases, the minimum is 5% for properties under $500,000. Between $500,000 and $1M, it's 5% on the first $500K and 10% on the remainder. Properties over $1M require 20% down. We help you structure the optimal down payment for your situation.
Absolutely. Many first-time buyers purchase with as little as 5% down. The tradeoff is mortgage default insurance (CMHC/Sagen), which protects the lender and is added to your mortgage balance. We'll explain the full cost impact before you decide.
Yes, absolutely. Pre-approval gives you a clear budget, shows sellers you're serious, and prevents the heartbreak of falling in love with a property outside your reach. Our pre-approvals are typically valid for 90-120 days.
Typically: two years of tax returns and notices of assessment, recent pay stubs, employment letter, bank statements for down payment source, ID, and a list of assets and debts. For self-employed or investment income, additional documentation may apply. We guide you through every document.
“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
Ready to Get Started?
Book a free 20-minute consultation. We'll review your situation and outline the best path forward — no obligation, no pressure.
Prefer to call? (514) 895-4228