A bilingual mortgage practice serving Ottawa, Gatineau and surrounding communities.
A mortgage is more than a transaction.
For most of us, a mortgage is the biggest financial commitment of our lives. It will follow us through job changes, growing families, shifting priorities and evolving goals.
The right mortgage isn’t just about rates and numbers. It needs to be about what’s happening in your life, and what your current goals are. These are decisions and ideas that don’t fit neatly on an application. That’s where we come in.
We're on your side of the table.
Unlike the bank’s mortgage advisors, we’re not on the payroll. This means our advice and recommendations are all guided by what’s actually right for you.
That distinction means we can challenge a lender’s decision, recommend waiting over rushing, and put your long term financial position ahead of any single transaction.
Real situations
The structured method
How our method works.
01
Tell us about your situation.
Getting started with us is simple. We begin by getting to know you. We discuss your goals, your finances, and what’s happening in your life or business. No stress about paperwork or credit pulls at this point, just an open and transparent conversation.
02
We analyze the full picture.
We take a close look at your cash flow, debts, assets and overall goals to understand your finances as a whole. We make recommendations that you may not have considered, and provide options that actually work for you.
03
We structure your mortgage.
We recommend a mortgage that fits your situation, explain the benefits and tradeoffs in plain language, and guide you away from deals that don’t serve you.
04
We plan beyond closing.
Your goals, your life and the market will all change. We stay involved. We monitor your file and will contact you if there’s an opportunity to do better, whether that’s at renewal or through a restructure in between.
Frequently Asked Questions
Am I actually pre-approved, or just told a number?
Often, you’re just told a quick number. Our pre-approvals are based on a full review of your documents. We don’t use estimates. This allows us to identify potential problems and address them early, so you can make an offer with confidence.
Fixed vs. variable. How should I decide?
This question isn’t just about rates. The two options differ in how penalties are calculated, how the rate moves with you, how your cash flow holds up over time, and your overall risk tolerance. We consider how long you expect to have the mortgage, how stable your plans are, and how much room your budget has. We will walk you through the pros and cons of each option and help you make the best choice.
Can I simply port my mortgage to my next home?
A lot of people assume that if they move, their lender will carry the mortgage to the new home without friction. Some will. However, porting happens on the lender’s terms, and the rate they offer for the new portion isn’t always competitive. If you’re also facing a large penalty to break early, you can end up in a difficult spot.
The way to avoid this is to choose the mortgage knowing a move might happen. We factor in portability and how penalties are calculated before you commit, so you don’t find yourself in a position where the mortgage is making decisions for you.
My renewal letter came. Do I just sign it?
Your lender’s renewal offer is convenient, but signing it without a second look means accepting whatever rate, terms and structure they’ve decided to extend. A lot can change in 5 years, and your renewal is the best time to reassess. We take another deep dive into your finances six months before your maturity date to give you some honest advice. Sometimes that means staying put with your current lender, sometimes a change is best. Either way, it should always be a choice, never just signing a renewal offer by default.
Is buying a home the same in Ontario and Quebec?
The financial aspect is similar on both sides of the border, but the purchase process is different. In Ontario, you can buy unconditionally without proving financing is in place first. In Quebec, you typically have around ten business days to produce a final approval letter before your conditions come off. That window moves fast, and your file needs to be complete with documents in, income verified, and approval confirmed within that timeframe or the deal is at risk. During the closing process, you will work with a lawyer in Ontario and a notary in Quebec. We hold a licence in Ontario and a certificate in Quebec, and work actively in both provinces. Nothing will get missed regardless of where you’re buying.
Testimonials
Real experiences from real clients.
We cannot thank Étienne enough! He went above and beyond in helping us with our first mortgage. He was incredibly knowledgeable and made our first time home buying experience as smooth as it could possibly be. We would recommend him to absolutely anyone.
First purchase · Ottawa, ON
Étienne was extremely knowledgeable and helped us refinance our home as well as get a mortgage for a new property. He was always available to answer our questions. I would highly recommend Étienne.
Refinance and second property purchase · Orleans, ON
Étienne prend le temps d’analyser chaque situation et peut donner des conseils personnalisés pour une nouvelle hypothèque ou pour un renouvellement. Il nous a grandement aidé, alors n’hésitez pas à le contacter.
Renewal ·
Plantagenet, ON
Contact us
We want to work with you.
We review every enquiry personally and will be in touch within two business days. If we’re a good fit, we’ll send a link to book a time to have our first chat.