Mortgage Expertise

Mortgage services in Quebec, Lévis and the surrounding areas

Personalized mortgage solutions to assist you with a first property purchase, mortgage refinancing, renewal, or an investment project. I help my clients from Quebec, Lévis, and the surrounding areas compare multiple lenders in order to find a mortgage loan suited to their situation and at the best available rates.

services_page
Services

Our Mortgage Services

We offer a comprehensive range of mortgage services to guide you through each step of your mortgage journey.

Buy your first property

We guide you through the process of buying your first property, helping you understand the available options and getting the best rate.

  • Pre-approval
  • Advice on programs
  • Customized guidance

Mortgage Refinancing

Optimize your current mortgage to free up funds, reduce monthly payments or finance important renovations.

  • Access to net value of your property
  • Consolidation of high-interest debt
  • Financing of important projects

Mortgage Renewal

Get the best conditions when renewing your mortgage, without stress or administrative hassles.

  • Negotiation of best rates
  • Review of your financial situation
  • Comparison of market offers

Real Estate Investment

Finance your real estate investment projects with tailored solutions to your long-term growth goals.

  • Location-based real estate financing
  • Portfolio growth strategies
  • Rentability analysis

Consolidation of Debt

Consolidate your debt at high-interest rates into a single mortgage at favorable rates to save your money.

  • Monthly payment reduction
  • Simplification of your finances
  • Substantial interest savings

Mortgage Insurance

Protect your investment and family with customized insurance solutions tailored to your mortgage.

  • Mortgage life insurance
  • Protection in case of injury
  • Protection in case of serious illness
Our Difference

WHY CHOOSE A MORTGAGE BROKER?

Discover the benefits of working with a mortgage broker for your next real estate mortgage.

why_choose_broker
01

Access to multiple brokers

Unlike banks that only offer their own products, we have access to over 25 financial institutions to offer you the best options.

02

Negotiation of best rates

We negotiate with your name to get the best rates and favorable terms that you wouldn't get alone.

03

Free and without obligation

Our services are generally free for you, as we are paid by mortgage lenders when a mortgage is finalized.

04

Expertise and personalized advice

Get expert advice tailored to your unique situation and an ongoing support throughout the process.

PROCESS

A Simplified Process

A simple and effective process to guide you through each step of your mortgage loan.

01

Initial consultation

We discuss your needs, goals, and financial situation to understand your project.

Duration: 30-60 minutes
Assessment of your needs
Analysis of your credit capacity
consultation
02

Collect Documents

We gather the necessary documents to prepare your mortgage application.

Customized list based on your situation
Identity documents and personal documents
Proof of income and employment
collect
03

Negotiation and Search

We search for the best offers from our financial partners and negotiations with your name.

Access to more than 25 financial institutions
Comparison of available offers
Negotiation of rates and conditions
negociation
04

Approval and Finalization

We assist you until the final approval and signature of documents at the notary.

Support continues until finalization
Obtaining final approval
Coordination with the notary
approbation
Market Rates

Competitive Rates

* Some conditions may apply. Subject to change without notice.

1 year

4.89%

Fixed

3 years

4.04%

Fixed

5 years

4.09%

Fixed

7 years

4.59%

Fixed

Variable

3.55%

Variable
What Clients Say

TESTIMONIALS

Discover what our clients say about their experience with Olivier Robitaille Nolin

"Super service. Très engagé et proactif pour trouver les meilleurs solutions de financement! (Translated by Google) Excellent service. Very committed and proactive in finding the best financing solutions!"

A

Alexandre Gaudreault

"Nous avions presque abandonné notre maison de rêve après avoir été refusé par notre institution financière avec qui nous faisons affaires (autant pour nos entreprises que pour nos dossiers personnels) depuis plusieurs années. Étant travailleurs autonomes, nos dossiers ne sont pas simples et stables au travers les années, il est donc facile de ne pas cadrer dans les critères de financement de la majorité des créanciers. Olivier a tout de suite su que notre projet était faisable. Il a pris en charge notre dossier avec expertise et professionnalisme. Il travaille efficacement et rapidement, en plus d’être humain et à l’écoute. On a senti qu’il était en équipe avec nous pour nous permettre de réaliser ce projet qui nous tenait tellement à cœur. Résultat : nous avons obtenu notre lettre de financement dans les délais et avec un taux compétitif. Nous vous recommandons Olivier sans hésiter. Merci Oli ! (Translated by Google) We had almost given up on our dream home after being turned down by our financial institution, with whom we've been doing business (for both our companies and personal finances) for several years. As self-employed individuals, our finances aren't always straightforward or stable, making it easy to fall outside the financing criteria of most lenders. Olivier immediately knew our project was feasible. He handled our case with expertise and professionalism. He works efficiently and quickly, and is also personable and attentive. We felt he was a true team player, working with us to help us achieve this project that meant so much to us. The result: we received our financing letter on time and at a competitive rate. We recommend Olivier without hesitation. Thank you, Oli!"

A

Alex Nadeau

"Reponse rapide et sincère 👍 (Translated by Google) Quick and sincere response 👍"

S

Simon Gravel

"Un service professionnel et de qualité. L accompagnement de la promesses d achat jusqu'au notaire fut impeccable. Je le recommande fortement (Translated by Google) Professional and high-quality service. The support from the preliminary purchase agreement to the closing at the notary's office was impeccable. I highly recommend them."

S

Steve Bédard

"Service professionnel et efficace! (Translated by Google) Professional and efficient service!"

M

Mathieu Labonté

"Merci Olivier pour ton excellent service (Translated by Google) Thank you Olivier for your excellent service."

S

Sylvain Dufour

"Très bon service! Est à l’écoute de nos besoins et a nos intérêts à cœur! (Translated by Google) Excellent service! They listen to our needs and have our best interests at heart!"

A

Alexandra Vigneault

"Excellente expérience avec Olivier. (Translated by Google) Excellent experience with Olivier."

J

JP R

"Merci beaucoup Olivier pour tes services! (Translated by Google) Thank you very much Olivier for your services!"

W

William Garneau

"J’ai eu la chance d'avoir Olivier comme conseiller pour un dossier hypothécaire assez complexe, rempli d’imprévus et de corrections à gérer en cours de route. Malgré toutes ces difficultés, Olivier a toujours été disponible, attentif et extrêmement professionnel. Il a pris le temps de bien expliquer les étapes, d’assurer un suivi rigoureux et de trouver des solutions adaptées aux obstacles. Je recommande vivement ses services à toute personne qui cherche un courtier sérieux, dévoué et rigoureux. Merci encore pour ton soutien et ton professionnalisme. (Translated by Google) I was fortunate to have Olivier as my advisor for a rather complex mortgage application, filled with unforeseen events and adjustments to make along the way. Despite all these challenges, Olivier was always available, attentive, and extremely professional. He took the time to thoroughly explain the steps, ensured rigorous follow-up, and found solutions tailored to the challenges. I highly recommend his services to anyone looking for a reliable, dedicated, and thorough broker. Thank you again for your support and professionalism."

F

Fredson Nogueira da Silva

"Excellent service de la part d’Olivier. À l’écoute, disponible et rapide. (Translated by Google) Excellent service from Olivier. Attentive, available, and quick."

P

Pascal Lariviere

"Très disponible, professionnel et patient avec nos questions! (Translated by Google) Very available, professional and patient with our questions!"

V

Valéry Beauchemin

"Merci de ton suivi et de ton professionalisme (Translated by Google) Thank you for your follow-up and professionalism."

D

Dave Tremblay

"Service personnalisé et très à l'écoute. Olivier est un partenaire vraiment apprécié pour nous aider à réaliser notre rêve. Il est très impliqué. Recommandation à coup sûr. (Translated by Google) Personalized and attentive service. Olivier is a truly valued partner who helped us achieve our dream. He is very dedicated. Highly recommended."

J

Jocelyne Boivin

"Si ce n'avait pas été pour Olivier, notre projet n'aurait jamais vu le jour. Professionnel et dévoué, je recommande ses services sans hésiter. (Translated by Google) If it hadn't been for Olivier, our project would never have seen the light of day. Professional and dedicated, I recommend his services without hesitation."

T

Tommy Massé

"Excellent service, humain, calme, et professionnel. (Translated by Google) Excellent service, humane, calm, and professional."

G

George K

"Nous sommes entièrement satisfaits du travail exceptionnel d’Olivier Robitaille Nolin. Nous l’avons rencontré lors de l’achat de notre première propriété, et son soutien a été inestimable tout au long de ce processus. M. Olivier a été présent du début à la fin, toujours disponible pour répondre à nos questions, nous guider et surtout nous motiver. Il se distingue par son écoute attentive, sa rapidité dans le traitement des dossiers et sa passion pour le travail bien fait. Grâce à son expertise et à son professionnalisme, nous avons vécu une expérience sans stress et sommes maintenant propriétaires avec confiance et sérénité. Nous le recommandons à 100 % à toute personne à la recherche d’un courtier hypothécaire de confiance et dévoué. Merci, Olivier, pour ton excellent travail! (Translated by Google) We are completely satisfied with the exceptional work of Olivier Robitaille Nolin. We met him when we purchased our first property, and his support was invaluable throughout the entire process. Mr. Olivier was there from start to finish, always available to answer our questions, guide us, and, above all, motivate us. He stands out for his attentive listening, his speed in processing files, and his passion for doing a good job. Thanks to his expertise and professionalism, we had a stress-free experience and are now homeowners with confidence and peace of mind. We wholeheartedly recommend him to anyone looking for a trustworthy and dedicated mortgage broker. Thank you, Olivier, for your excellent work!"

S

SERGE EFFIMBRA

"Olivier est un homme patient qui a tout fait pour nous accommode. Merci Olivier ! (Translated by Google) Olivier is a patient man who did everything to accommodate us. Thank you, Olivier!"

J

Jean-Pierre R. Caron

"Super service, rapide et efficace, réponds aux questions en un temps éclair. Service A1. (Translated by Google) Excellent service, fast and efficient, answers questions in a flash. Top-notch service."

A

Alain Roy

"Mon courtier hypothécaire de choix! Je le recommande à tous mes clients sans exception. Très habile et compétant dans le domaine hypothécaire. Vous êtes entre bonnes mains lorsque vous confiez votre financement à Olivier. (Translated by Google) My mortgage broker of choice! I recommend him to all my clients without exception. Very skilled and knowledgeable in the mortgage field. You are in good hands when you entrust your financing to Olivier."

V

Vincent Deshaies

"Excellent service de la part d’Olivier! Je vous le recommande fortement! (Translated by Google) Excellent service from Olivier! I highly recommend him!"

V

Vicky Bernard

"Super bon service !!! (Translated by Google) Excellent service!!!"

V

Veronique tremblay

"Super de bon service, Olivier est a l'écoute et disponible du besoins de ses clients! (Translated by Google) Super good service, Olivier is attentive and available to the needs of his customers!"

O

Olivier

"Olivier est une personne de confiance. Il a un très grand sens des responsabilités. Comme j'ai eu besoin de ces conseils à maintes reprises, il a démontré une patience qui m'a beaucoup rassuré. Si l'occasion se présente, je n'hésiterai pas à le recommander. Merci beaucoup Olivier pour ton dévouement. (Translated by Google) Olivier is a trustworthy person. He has a very strong sense of responsibility. As I have needed his advice on numerous occasions, his patience has been very reassuring. If the opportunity arises, I will not hesitate to recommend him. Thank you very much, Olivier, for your dedication."

C

Chantal Gaudreau

"M. Robitaille-Nolin offre un suivi prompt et efficace. (Translated by Google) Mr. Robitaille-Nolin provides prompt and effective follow-up."

F

François Cossette

"Super service ! Olivier est un courtier tres attentionné (Translated by Google) Excellent service! Olivier is a very attentive broker."

P

Philippe Lescault

"J'ai vraiment aimé le service de Oliver ! Il m'a permis de financer ma propriété dans les meilleur délais tout en trouvant le meilleur taux d'intérêt pour moi. Je le recommande fortement ! (Translated by Google) I really appreciated Oliver's service! He helped me finance my property as quickly as possible while finding the best interest rate for me. I highly recommend him!"

C

charles coté

"Super service de la part de Olivier pour l'achat de ma propriété! Merci encore! (Translated by Google) Excellent service from Olivier during the purchase of my property! Thank you again!"

J

Jonathan Croteau

"Service personnalisé et rapide. Très bonne écoute :) (Translated by Google) Personalized and fast service. Very good listening skills :)"

J

Jerome Goulet

"Olivier a été très professionnel et à l’écoute de nos besoins. Il nous offert un suivi exemplaire. Merci ! (Translated by Google) Olivier was very professional and attentive to our needs. He provided exemplary follow-up. Thank you!"

S

Sabrina Lafrance

"Très efficace (Translated by Google) Very effective"

L

Loukym Michaud

"Olivier est professionnel et nous a accompagné avec rigueur tout au long du processus. (Translated by Google) Olivier is professional and guided us rigorously throughout the entire process."

R

Remi Ouimet Fontaine

"Super service. Très engagé et proactif pour trouver les meilleurs solutions de financement! (Translated by Google) Excellent service. Very committed and proactive in finding the best financing solutions!"

A

Alexandre Gaudreault

"Nous avions presque abandonné notre maison de rêve après avoir été refusé par notre institution financière avec qui nous faisons affaires (autant pour nos entreprises que pour nos dossiers personnels) depuis plusieurs années. Étant travailleurs autonomes, nos dossiers ne sont pas simples et stables au travers les années, il est donc facile de ne pas cadrer dans les critères de financement de la majorité des créanciers. Olivier a tout de suite su que notre projet était faisable. Il a pris en charge notre dossier avec expertise et professionnalisme. Il travaille efficacement et rapidement, en plus d’être humain et à l’écoute. On a senti qu’il était en équipe avec nous pour nous permettre de réaliser ce projet qui nous tenait tellement à cœur. Résultat : nous avons obtenu notre lettre de financement dans les délais et avec un taux compétitif. Nous vous recommandons Olivier sans hésiter. Merci Oli ! (Translated by Google) We had almost given up on our dream home after being turned down by our financial institution, with whom we've been doing business (for both our companies and personal finances) for several years. As self-employed individuals, our finances aren't always straightforward or stable, making it easy to fall outside the financing criteria of most lenders. Olivier immediately knew our project was feasible. He handled our case with expertise and professionalism. He works efficiently and quickly, and is also personable and attentive. We felt he was a true team player, working with us to help us achieve this project that meant so much to us. The result: we received our financing letter on time and at a competitive rate. We recommend Olivier without hesitation. Thank you, Oli!"

A

Alex Nadeau

"Reponse rapide et sincère 👍 (Translated by Google) Quick and sincere response 👍"

S

Simon Gravel

"Un service professionnel et de qualité. L accompagnement de la promesses d achat jusqu'au notaire fut impeccable. Je le recommande fortement (Translated by Google) Professional and high-quality service. The support from the preliminary purchase agreement to the closing at the notary's office was impeccable. I highly recommend them."

S

Steve Bédard

"Service professionnel et efficace! (Translated by Google) Professional and efficient service!"

M

Mathieu Labonté

"Merci Olivier pour ton excellent service (Translated by Google) Thank you Olivier for your excellent service."

S

Sylvain Dufour

"Très bon service! Est à l’écoute de nos besoins et a nos intérêts à cœur! (Translated by Google) Excellent service! They listen to our needs and have our best interests at heart!"

A

Alexandra Vigneault

"Excellente expérience avec Olivier. (Translated by Google) Excellent experience with Olivier."

J

JP R

"Merci beaucoup Olivier pour tes services! (Translated by Google) Thank you very much Olivier for your services!"

W

William Garneau

"J’ai eu la chance d'avoir Olivier comme conseiller pour un dossier hypothécaire assez complexe, rempli d’imprévus et de corrections à gérer en cours de route. Malgré toutes ces difficultés, Olivier a toujours été disponible, attentif et extrêmement professionnel. Il a pris le temps de bien expliquer les étapes, d’assurer un suivi rigoureux et de trouver des solutions adaptées aux obstacles. Je recommande vivement ses services à toute personne qui cherche un courtier sérieux, dévoué et rigoureux. Merci encore pour ton soutien et ton professionnalisme. (Translated by Google) I was fortunate to have Olivier as my advisor for a rather complex mortgage application, filled with unforeseen events and adjustments to make along the way. Despite all these challenges, Olivier was always available, attentive, and extremely professional. He took the time to thoroughly explain the steps, ensured rigorous follow-up, and found solutions tailored to the challenges. I highly recommend his services to anyone looking for a reliable, dedicated, and thorough broker. Thank you again for your support and professionalism."

F

Fredson Nogueira da Silva

"Excellent service de la part d’Olivier. À l’écoute, disponible et rapide. (Translated by Google) Excellent service from Olivier. Attentive, available, and quick."

P

Pascal Lariviere

"Très disponible, professionnel et patient avec nos questions! (Translated by Google) Very available, professional and patient with our questions!"

V

Valéry Beauchemin

"Merci de ton suivi et de ton professionalisme (Translated by Google) Thank you for your follow-up and professionalism."

D

Dave Tremblay

"Service personnalisé et très à l'écoute. Olivier est un partenaire vraiment apprécié pour nous aider à réaliser notre rêve. Il est très impliqué. Recommandation à coup sûr. (Translated by Google) Personalized and attentive service. Olivier is a truly valued partner who helped us achieve our dream. He is very dedicated. Highly recommended."

J

Jocelyne Boivin

"Si ce n'avait pas été pour Olivier, notre projet n'aurait jamais vu le jour. Professionnel et dévoué, je recommande ses services sans hésiter. (Translated by Google) If it hadn't been for Olivier, our project would never have seen the light of day. Professional and dedicated, I recommend his services without hesitation."

T

Tommy Massé

"Excellent service, humain, calme, et professionnel. (Translated by Google) Excellent service, humane, calm, and professional."

G

George K

"Nous sommes entièrement satisfaits du travail exceptionnel d’Olivier Robitaille Nolin. Nous l’avons rencontré lors de l’achat de notre première propriété, et son soutien a été inestimable tout au long de ce processus. M. Olivier a été présent du début à la fin, toujours disponible pour répondre à nos questions, nous guider et surtout nous motiver. Il se distingue par son écoute attentive, sa rapidité dans le traitement des dossiers et sa passion pour le travail bien fait. Grâce à son expertise et à son professionnalisme, nous avons vécu une expérience sans stress et sommes maintenant propriétaires avec confiance et sérénité. Nous le recommandons à 100 % à toute personne à la recherche d’un courtier hypothécaire de confiance et dévoué. Merci, Olivier, pour ton excellent travail! (Translated by Google) We are completely satisfied with the exceptional work of Olivier Robitaille Nolin. We met him when we purchased our first property, and his support was invaluable throughout the entire process. Mr. Olivier was there from start to finish, always available to answer our questions, guide us, and, above all, motivate us. He stands out for his attentive listening, his speed in processing files, and his passion for doing a good job. Thanks to his expertise and professionalism, we had a stress-free experience and are now homeowners with confidence and peace of mind. We wholeheartedly recommend him to anyone looking for a trustworthy and dedicated mortgage broker. Thank you, Olivier, for your excellent work!"

S

SERGE EFFIMBRA

"Olivier est un homme patient qui a tout fait pour nous accommode. Merci Olivier ! (Translated by Google) Olivier is a patient man who did everything to accommodate us. Thank you, Olivier!"

J

Jean-Pierre R. Caron

"Super service, rapide et efficace, réponds aux questions en un temps éclair. Service A1. (Translated by Google) Excellent service, fast and efficient, answers questions in a flash. Top-notch service."

A

Alain Roy

"Mon courtier hypothécaire de choix! Je le recommande à tous mes clients sans exception. Très habile et compétant dans le domaine hypothécaire. Vous êtes entre bonnes mains lorsque vous confiez votre financement à Olivier. (Translated by Google) My mortgage broker of choice! I recommend him to all my clients without exception. Very skilled and knowledgeable in the mortgage field. You are in good hands when you entrust your financing to Olivier."

V

Vincent Deshaies

"Excellent service de la part d’Olivier! Je vous le recommande fortement! (Translated by Google) Excellent service from Olivier! I highly recommend him!"

V

Vicky Bernard

"Super bon service !!! (Translated by Google) Excellent service!!!"

V

Veronique tremblay

"Super de bon service, Olivier est a l'écoute et disponible du besoins de ses clients! (Translated by Google) Super good service, Olivier is attentive and available to the needs of his customers!"

O

Olivier

"Olivier est une personne de confiance. Il a un très grand sens des responsabilités. Comme j'ai eu besoin de ces conseils à maintes reprises, il a démontré une patience qui m'a beaucoup rassuré. Si l'occasion se présente, je n'hésiterai pas à le recommander. Merci beaucoup Olivier pour ton dévouement. (Translated by Google) Olivier is a trustworthy person. He has a very strong sense of responsibility. As I have needed his advice on numerous occasions, his patience has been very reassuring. If the opportunity arises, I will not hesitate to recommend him. Thank you very much, Olivier, for your dedication."

C

Chantal Gaudreau

"M. Robitaille-Nolin offre un suivi prompt et efficace. (Translated by Google) Mr. Robitaille-Nolin provides prompt and effective follow-up."

F

François Cossette

"Super service ! Olivier est un courtier tres attentionné (Translated by Google) Excellent service! Olivier is a very attentive broker."

P

Philippe Lescault

"J'ai vraiment aimé le service de Oliver ! Il m'a permis de financer ma propriété dans les meilleur délais tout en trouvant le meilleur taux d'intérêt pour moi. Je le recommande fortement ! (Translated by Google) I really appreciated Oliver's service! He helped me finance my property as quickly as possible while finding the best interest rate for me. I highly recommend him!"

C

charles coté

"Super service de la part de Olivier pour l'achat de ma propriété! Merci encore! (Translated by Google) Excellent service from Olivier during the purchase of my property! Thank you again!"

J

Jonathan Croteau

"Service personnalisé et rapide. Très bonne écoute :) (Translated by Google) Personalized and fast service. Very good listening skills :)"

J

Jerome Goulet

"Olivier a été très professionnel et à l’écoute de nos besoins. Il nous offert un suivi exemplaire. Merci ! (Translated by Google) Olivier was very professional and attentive to our needs. He provided exemplary follow-up. Thank you!"

S

Sabrina Lafrance

"Très efficace (Translated by Google) Very effective"

L

Loukym Michaud

"Olivier est professionnel et nous a accompagné avec rigueur tout au long du processus. (Translated by Google) Olivier is professional and guided us rigorously throughout the entire process."

R

Remi Ouimet Fontaine

FAQ

FREQUENTLY ASKED QUESTIONS

Find answers to your most frequently asked questions

faq_image

01. How much can I borrow for a mortgage in Québec?

Your borrowing capacity depends on your income, debts, and down payment. A mortgage broker in Québec can calculate your exact affordability based on your situation.

02. What is the best mortgage rate in Québec right now?

The best mortgage rate depends on your financial profile and loan type. A mortgage broker compares multiple lenders to secure the best available rate.

03. Should I choose a fixed or variable mortgage rate?

A fixed rate offers stability, while a variable rate may offer savings depending on market conditions. The right choice depends on your risk tolerance.

04. Is it better to use a mortgage broker or a bank?

A mortgage broker compares multiple lenders and negotiates for you, while a bank only offers its own products, which can limit your options.

05. Do I need a down payment to buy a home in Québec?

Yes, the minimum down payment is typically 5% of the purchase price. A larger down payment can improve your mortgage terms.

06. How do I get pre-approved for a mortgage?

You need to provide income, credit, and financial information. A mortgage broker can speed up the pre-approval process and guide you.

07. Can I refinance my mortgage in Québec?

Yes, refinancing allows you to lower payments, consolidate debt, or access your home equity depending on your financial goals.

08. Do I have to renew my mortgage with my current lender?

No, you can shop around at renewal and compare better options to save money and improve your terms.

09. What are the hidden costs of a mortgage?

Costs can include penalties, legal fees, and insurance. A mortgage broker helps you understand the full picture before committing.

10. Why work with a mortgage broker in Québec?

A mortgage broker helps you compare, negotiate, and build the best mortgage strategy, often saving you thousands over time.

Schedule an Appointment

Book a personalized consultation to discuss your mortgage needs and get tailored advice.

Personalized Consultation
Analysis of your situation
Expert Advice