Josée Gariépy Mortgage Broker
Mortgage broker at Multi-Prêts since 2010, I am committed to the interests of my clients. I make sure to find the best mortgage financing conditions based on each person's needs and projects, because having the best rate is not a guarantee that you will have the best mortgage for you. Every client has their own story and specificities, and I am here to support you in your steps, advise you, and above all, simplify your transaction as much as possible. It is important to me to ensure that you will be comfortable with the product you choose!
Helping you overcome financing hurdles with tailored solutions.
Test Josée Gariépy, Mortgage Broker
Mortgage Broker at Multi-Prêts since 2010, I am committed to putting my clients' interests first. I make it my priority to find the best mortgage financing terms based on each client's unique needs and goals, because the lowest rate does not necessarily mean the best mortgage solution for you. Every client has a unique story and specific circumstances, and I am here to support you throughout the process, provide expert advice, and, above all, make your transaction as simple and stress-free as possible. It is important to me to ensure that you feel confident and comfortable with the mortgage product you choose.
Your Path to Approval
Choose the speed that fits your lifestyle and financial goals.
The Planner
Not sure where to start? Let's talk strategy. Book a 15-minute discovery call to map out your options.
The Fast Track
Ready to move? Our secure online application takes less than 10 minutes and jumpstarts your approval process.
OFFERED SERVICES
Tailored mortgage solutions to guide you through every step of your journey — whether it's a first purchase, refinancing, or an investment project.
Competitive Rates
* Some conditions may apply. Subject to change without notice.
1 year
4.59%
Fixed3 years
4.04%
Fixed5 years
4.19%
Fixed7 years
4.59%
FixedVariable
3.55%
VariableFREQUENTLY ASKED QUESTIONS
Find answers to your most frequently asked questions
01. What is a mortgage pre-approval?
A pre-approval is a preliminary assessment of your borrowing capacity. It gives you a maximum amount you can borrow and a guaranteed rate for a set period, usually 90 to 120 days.
02. What is the difference between fixed and variable rates?
A fixed rate stays constant throughout the term, offering payment stability. A variable rate fluctuates with the Bank of Canada's key rate, potentially more advantageous but with more risk.
03. How much down payment do I need?
In Canada, the minimum down payment is 5% for properties under $500,000, 10% for the portion between $500,000 and $1M, and 20% for properties over $1M. I can help you explore your options.
Schedule an Appointment
Book a personalized consultation to discuss your mortgage needs and get tailored advice.