From a first condo to a duplex with rental income, Montréal offers several ways to make a home and invest in property. The mortgage behind that choice shapes monthly spending, renovation plans, and the flexibility to move or refinance later.
This list compares ten mortgage brokerages with offices in Montréal, Québec, Canada, through their services, business backgrounds, consultation options, and fees. A mortgage broker acts as an intermediary between borrowers and lenders; the lender decides whether to approve the loan. The entries include residential providers and a commercial specialist, with their different services identified below.
How This List Was Compiled
Selection considered Montréal office presence, mortgage-brokerage registration with the Autorité des marchés financiers (AMF), and identifiable services. Business registrations were checked through the AMF register, with service descriptions, addresses, and company histories checked against official company material.
Entries are alphabetical; numbering does not indicate a ranking. Shared networks and connected lenders are noted where identified. Some businesses belong to the same corporate group, so separate names do not necessarily represent unrelated providers. Arrange office visits with the professional handling your enquiry before travelling.
Montréal Mortgage Brokers at a Glance
| Brokerage | Montréal Office | Mortgage Services |
|---|---|---|
| Alliance Hypothécaire | Avenue Viger Ouest | Purchases, pre-approval, renewals, and refinancing |
| Hypotheca | Rue Fleury Est, Montréal-Nord | Residential, multi-residential, and commercial mortgages |
| Les Architectes hypothécaires | Rue Hochelaga | Purchases, renewals, refinancing, and investment properties |
| Multi-Prêts Hypothèques | Avenue Viger Ouest | Purchases, renewals, refinancing, and specialised applications |
| Nord Est / North East | Boulevard Décarie, Saint-Laurent | Purchases, renewals, refinancing, and self-employed applications |
| Orbis Mortgage Group | Place d’Youville | Residential, commercial, construction, and cross-border financing |
| Planiprêt | Côte du Beaver Hall | Purchases, renewals, refinancing, and mortgage planning |
| PMML | Rue Saint-Paul Ouest; Chemin Queen Mary | Commercial and multifamily property financing |
| Ratehub.ca | Rue Jean-Talon Est | Purchases, renewals, refinancing, and investment properties |
| Team Levine | Rue Metcalfe | Purchases, renewals, and refinancing |
10 Mortgage Brokers in Montréal to Consider
1. Alliance Hypothécaire
Alliance Hypothécaire is the Québec banner of Mortgage Alliance, connecting borrowers with mortgage professionals for purchases, renewals, and refinancing. Its services extend from preparing a purchase application to reviewing an existing mortgage or arranging equity borrowing for renovations and debt consolidation.
The network offers a broker finder and online enquiry routes, giving borrowers a way to identify a professional before discussing their income, property, and plans. Its Montréal corporate office shares an address with Multi-Prêts Hypothèques. The businesses have separate AMF registrations but belong to the same M3 Financial Group, a relationship worth recognising when comparing providers.
- Address: 525 Avenue Viger Ouest, Bureau 502, Montréal, QC H2Z 0B2
- Services: Home purchases and pre-approval, renewals, refinancing, and equity borrowing for renovations or debt consolidation.
- Consultations: Telephone, email, online enquiries, and a broker finder; arrange meeting details with your chosen professional.
- Fees and affiliations: Part of M3 Financial Group. Request written brokerage compensation, borrower fees, and transaction costs for the proposed mortgage.
- Registered business: The Mortgage Alliance Company of Canada Inc., AMF registration 605206.
Ask about: Which lenders were considered, how the recommendation was selected, and whether any related business is involved.
2. Hypotheca
Hypotheca brings together mortgage professionals working across home purchases, renewals, transfers, and refinancing. Its Fleury office in Montréal-Nord provides a local contact for residential borrowing, alongside multi-residential, commercial, and selected specialist financing needs.
Its service offering includes refinancing for renovations or debt consolidation, separation-related buyouts, and reverse mortgages. The breadth of those categories makes the experience of the individual handling the application an important part of the comparison. The Fleury office operates through the registered business identified below; borrowers can use that identity to distinguish it from other firms using the Hypotheca banner.
- Address: 3344 Rue Fleury Est, Montréal-Nord, QC H1H 2R5
- Services: Purchases and pre-approval, renewals and transfers, refinancing, multi-residential and commercial mortgages, separation-related buyouts, and reverse mortgages.
- Consultations: Telephone contact, online enquiries, and application tools, with appointment options through individual broker profiles.
- Fees and affiliations: Fleury-office brokers advertise free client representation. Confirm the terms and any borrower-paid or third-party charges for your transaction.
- Registered business: 2518228 Canada Inc., operating under Hypotheca trade names, AMF registration 604607.
Ask about: The professional’s experience with your property type and the costs, conditions, and repayment requirements of any specialist financing.
3. Les Architectes hypothécaires
Les Architectes hypothécaires, also known as Mortgage Architects, combines a national brokerage network with local mortgage professionals. Its Montréal office on Rue Hochelaga offers a contact point for purchases, renewals, refinancing, and borrowing against home equity.
The company’s approach starts with affordability and the borrower’s needs, then considers lender options, mortgage structure, and supporting documents. Its local profile addresses houses, condos, cottages, multi-unit buildings, and commercial properties. The wider brokerage also discusses renovation and debt-consolidation purposes, allowing homeowners to consider how a proposed change fits their existing mortgage and longer-term budget.
- Address: 5600 Rue Hochelaga, Bureau 136, Montréal, QC H1N 3L7
- Services: Purchases and pre-approval, renewals, refinancing, home-equity borrowing, renovation financing, and investment properties.
- Consultations: Local telephone contact and online applications. The Hochelaga office’s listed professional offers French, English, and Italian.
- Fees and affiliations: Part of DLCG Mortgage Group. Advertises no-cost service on approved credit, while its refinancing material acknowledges possible brokerage and transaction charges. Obtain written terms for your application.
- Registered business: MA Mortgage Architects Inc., AMF registration 605437.
Ask about: How the proposed mortgage balances payment costs, prepayment privileges, portability, and the possibility of refinancing before maturity.
4. Multi-Prêts Hypothèques
Multi-Prêts Hypothèques combines a Québec broker network with online application tools and a directory of local professionals. Founded in Montréal, the brand serves borrowers purchasing a property, reviewing a renewal offer, refinancing, or arranging financing for an investment property.
Its mortgage options also address self-employed income, newcomers, renovations, and second homes. Borrowers can begin with a local broker or use its digital tools to prepare for a discussion. The distinction between the wider network and the specific professional remains useful: the person handling the file should explain lender access, documentation, and the reasons for the recommended mortgage.
- Established: 1982, according to its company history.
- Address: 525 Avenue Viger Ouest, Bureau 502, Montréal, QC H2Z 0B2
- Services: Purchases and pre-approval, renewals, refinancing, renovation and second-home financing, investment properties, and self-employed or newcomer applications.
- Consultations: Telephone and online enquiries, digital applications, and a local broker and office directory.
- Fees and affiliations: Advertises brokerage service without a borrower fee. Confirm lender and third-party costs. Part of M3 Financial Group, alongside Alliance Hypothécaire.
- Registered business: 2786591 Canada Inc., operating as Multi-Prêts Hypothèques, AMF registration 604923.
Ask about: Which lenders suit your income and property, and what restrictions accompany the quoted rate.
5. Nord Est / North East
Nord Est / North East places mortgage advice alongside real estate, financial, insurance, and notarial services. Its mortgage offering covers purchases, renewals, and refinancing, with options addressing self-employed borrowers and investment properties.
The wider service model may interest borrowers managing several decisions around one property transaction. Its mortgage material considers income, existing commitments, and future plans when exploring financing. A consultation should establish which professional handles each service, how the engagements fit together, and whether separate fees apply. Its AMF mortgage registration identifies the mortgage brokerage business, rather than providing a single credential for every profession represented by the wider brand.
- Established: 2005 for the wider Nord Est brand, according to its company history.
- Address: 800 Boulevard Décarie, Montréal (Saint-Laurent), QC H4L 3L5
- Services: Purchases and pre-approval, renewals, refinancing and debt restructuring, self-employed applications, and investment-property financing.
- Consultations: Telephone, email, and online enquiries; confirm the meeting location directly.
- Fees and affiliations: Describes many standard files as lender-paid, with possible borrower fees for private, alternative, or specialised financing. Request written terms for each service involved.
- Registered business: 9413-3030 Québec Inc., operating as Nord Est / North East, AMF registration 605363.
Ask about: Who is responsible for the mortgage recommendation and how compensation and separate professional services are explained.
6. Orbis Mortgage Group
Orbis Mortgage Group combines residential and commercial mortgage services with internal underwriting support. From its Place d’Youville office, the brokerage provides financing options for purchases, existing-home borrowing, investment properties, construction, and more complex applications.
Its wider offering includes cross-border financing through Orbis USA and a connected lender, Swyft Hypothèque. Those relationships broaden the types of financing discussed, while making it important to understand which entity would provide the loan. The company also identifies membership in OIM Group, an international mortgage-firm alliance. Borrowers comparing an Orbis recommendation can ask how the lender, product restrictions, and total charges fit their circumstances.
- Address: 285 Place d’Youville, Unité 9, Montréal, QC H2Y 2A4
- Services: Purchases and pre-approval, renewals and transfers, refinancing, self-employed and newcomer applications, investment-property and commercial financing, and construction. US financing is offered through its US division.
- Consultations: Telephone, email, online enquiries, and digital applications.
- Fees and affiliations: Advertises free advice and pre-approval. Confirm full transaction costs, particularly for private or complex borrowing. Swyft is its in-house lender; Orbis USA is its US division.
- Registered business: Groupe Hypothécaire Orbis Inc. / Orbis Mortgage Group Inc., AMF registration 604725.
Ask about: Why the proposed lender was selected, whether it is related to Orbis, and how the mortgage compares with other suitable options.
7. Planiprêt
Planiprêt approaches mortgage borrowing through household budgeting and longer-term financial planning. Its material considers income after tax, financial commitments, loan features, penalties, and flexibility alongside the interest rate.
The brokerage’s Beaver Hall office provides a Montréal contact within a wider business headquartered in Saint-Eustache. Services cover residential purchases, renewals, and refinancing, with commercial and multi-residential financing also available through the firm. For a household preparing to buy, that planning emphasis provides a useful basis for discussing the difference between the amount a lender might approve and the payment level the household can comfortably sustain.
- Established: 2006, according to its company history.
- Address: 1080 Côte du Beaver Hall, Bureau 002, Montréal, QC H2Z 1S8
- Services: Purchases, renewals, refinancing, budget and borrowing-capacity planning, and commercial or multi-residential financing through the wider firm.
- Consultations: Telephone and email contact through the Montréal office, with online quotation and application enquiries.
- Fees and affiliations: Says lenders remunerate its residential mortgage brokers, with no client brokerage fee. Confirm transaction costs. Mortgage Planners and MP Mortgages are additional names of the same registered business.
- Registered business: 7105843 Canada Inc., operating as Planiprêt, AMF registration 605591.
Ask about: A sustainable payment budget after property taxes, condo charges, maintenance, and other household commitments.
8. PMML
PMML focuses on commercial and multifamily property financing for investors, building owners, and developers. Its mortgage brokerage works within a wider platform that includes commercial real estate and related insurance services.
The financing offering addresses income-producing buildings and property projects, including multifamily, office, retail, industrial, and land assets. Its Montréal offices provide appointment-based access to the relevant team. For an investment purchase or refinancing, the practical discussion centres on the property’s income, expenses, financing structure, and intended holding period, with the scope and costs of any additional professional services agreed separately.
- Addresses: 774 Rue Saint-Paul Ouest, Bureau 300, Montréal, QC H3C 1M5; and 5420 Chemin Queen Mary, Montréal, QC H3X 1V3.
- Services: Commercial mortgage brokerage, multifamily and income-property financing, and financing for investors, property owners, and developers.
- Consultations: Office meetings by appointment, with telephone and online enquiries.
- Fees and affiliations: Request project-specific brokerage compensation, lender charges, and third-party costs. Its wider business includes commercial real estate and insurance services.
- Registered business: PMML Inc., AMF registration 605941.
Ask about: The relevant lending programme, property cash-flow assumptions, loan conditions, and professional costs for the project.
9. Ratehub.ca
Ratehub.ca connects online mortgage comparisons, calculators, and educational material with an operating brokerage. Its Montréal team gives borrowers a local contact after they have explored options digitally or begun preparing an application.
The in-house brokerage launched under the CanWise Financial name before adopting Ratehub.ca in 2022. CanWise also identifies its connected lender, so borrowers should distinguish the brokerage arranging the mortgage from the institution providing it. Ratehub explains that its comparisons do not contain every available offer. That makes lender coverage and the reasons for a recommendation useful discussion points alongside rates and payment estimates.
- Established: Ratehub in 2010; its in-house mortgage brokerage launched as CanWise Financial in 2014.
- Address: 6424 Rue Jean-Talon Est, Bureau 206, Montréal, QC H1S 1M8
- Services: Purchases, renewals, refinancing, and applications involving self-employed income, investment properties, or second homes.
- Consultations: Online comparison and application tools, with telephone contact through its Montréal team.
- Fees and affiliations: Advertises lender-paid brokerage service. Confirm borrower-paid and transaction-specific charges. CanWise is its connected lender.
- Registered business: Ratehub Inc., AMF registration 604222.
Ask about: Which lenders were compared and how a CanWise mortgage differs from the other options discussed.
10. Team Levine
Team Levine, also known as Équipe Levine, offers mortgage services for home purchases, renewals, and refinancing from its Rue Metcalfe office. Its broader offering brings mortgage and insurance discussions into the same business, with the scope of each engagement agreed separately.
The team operates through Cabinet Hypothécaire Maximum Inc. / Maximum Mortgage Brokerage Inc. That registered identity is useful when checking the firm or reviewing an agreement, since the business also uses Maximum Mortgage and Hypothèque Maximum names. Borrowers seeking several financial services can establish who is responsible for each recommendation, what qualifications apply, and how compensation is explained across the engagements.
- Address: 1155 Rue Metcalfe, Bureau 1582, Montréal, QC H3B 2V6
- Services: Home purchases, renewals, refinancing, and separately scoped insurance advice.
- Consultations: Telephone, email, and online enquiries; confirm meeting format and any consultation charge.
- Fees and affiliations: Request written mortgage compensation and fee terms. Clarify separate insurance or investment engagements. Maximum Mortgage and Hypothèque Maximum are names of the same registered business.
- Registered business: Cabinet Hypothécaire Maximum Inc. / Maximum Mortgage Brokerage Inc., AMF registration 609117.
Ask about: Who will handle your mortgage application and whether any additional financial service has its own agreement or charges.
Which Mortgage Brokerage Fits Your Situation?
Start with the transaction you need to finance, then narrow the list to professionals whose experience and lender access match it. A condo purchase, an owner-occupied triplex, and a larger rental building can involve different documents, lending criteria, and costs.
| Your Situation | What to Discuss |
|---|---|
| First home purchase | Income documents, down-payment evidence, conditional pre-approval, notarial fees, and closing funds |
| Renewal or lender switch | Maturity date, switching costs, remaining amortisation, and applicable qualifying requirements |
| Refinancing or debt consolidation | Additional borrowing, penalties, charges, and total repayment costs over the proposed amortisation |
| Self-employed or variable income | Tax records, business accounts, and the proposed lender’s calculation of qualifying income |
| Divided condominium | Condo charges, reserve-fund information, planned repairs, and the available building documents |
| Undivided co-ownership | Ownership share, indivision agreement, lender eligibility, liability, and notarial review |
| Owner-occupied duplex or triplex | Occupancy, leases, rental-income treatment, operating expenses, and property eligibility |
| Commercial or multifamily investment | Property cash flow, lending programme, financing structure, conditions, and professional fees |
For private or alternative borrowing, also discuss the repayment date, renewal terms, total charges, and a realistic exit plan. Future refinancing with a bank remains subject to that lender’s approval.
Before You Choose a Mortgage Brokerage
Give each professional the same income, property, and transaction information so proposals can be compared on consistent assumptions. Confirm:
- Registration: Check both the firm and the individual in the AMF register for mortgage-brokerage authorisation.
- Lender access: Ask which lenders were considered, whether any is related to the brokerage, and why the proposed loan fits your circumstances.
- Compensation and commitments: Obtain written explanations of lender commissions, borrower fees, referral arrangements, and any exclusivity or non-completion charges.
- Total costs and flexibility: Compare the term, amortisation, payment structure, prepayment privileges, portability, penalties, and notarial or other closing costs.
- Remaining conditions: Establish which income, credit, property, and document checks remain. Pre-approval does not guarantee final funding.
- Communication: Agree who handles the application, how updates are provided, and which language will be used for explanations and documents.
A lower rate is one part of the comparison. The recommendation should also explain what happens if you sell, refinance, make additional payments, or need to repay the mortgage early.
Frequently Asked Questions
How Much Does a Mortgage Broker Cost in Montréal?
There is no universal fee. Lenders commonly pay brokerage commissions, while some applications involve borrower-paid charges. The broker must explain remuneration in writing before providing services. Ask about brokerage fees, lender charges, notarial costs, and any exclusivity or non-completion obligations before agreeing to proceed.
Should I Use a Mortgage Broker or Go Directly to a Bank?
Either route can suit your circumstances. A broker considers products from lenders it works with, while a bank offers its own mortgages. Compare written proposals using the same borrowing amount, term, and amortisation, including fees, restrictions, and flexibility. A brokerage does not necessarily compare every lender or offer available.
Can a Mortgage Broker Help Finance an Undivided Condo?
Yes, provided suitable financing is available for the property and your circumstances. In undivided co-ownership, you own a share of the whole building; in divided co-ownership, you own a private portion and a share of the common portions. Ask the broker and lender to confirm eligibility for the specific structure, and have a notary explain the indivision agreement, rights, and liabilities.
Can Self-Employed Borrowers Use a Mortgage Broker?
Yes. A broker can identify relevant lenders and explain how they assess business income. Prepare accurate tax returns, notices of assessment, and business records, then confirm the proposed lender’s requirements. Turnover, taxable income, and the income accepted for mortgage qualification may differ. A self-employed service offering does not guarantee approval of every application.
Do I Need a Stress Test When Switching Mortgage Lenders?
Certain eligible uninsured straight switches at renewal between federally regulated institutions are exempt from OSFI’s prescribed minimum qualifying rate. The incoming lender still assesses and approves the application. Refinancing, additional borrowing, or extending the remaining amortisation can change eligibility. Confirm the current requirements for the mortgage and institutions involved, particularly where a lender is provincially regulated.
How Do I Check a Québec Mortgage Broker’s Registration?
Search the AMF’s Register of firms and individuals authorised to practise. Check the registered business and the individual handling your application, including their mortgage-brokerage authorisation, affiliation, and any conditions or restrictions. An OACIQ real estate brokerage credential does not replace the AMF check for mortgage brokerage.
Choosing From This List
The useful comparison is between the mortgages and support each brokerage can offer for your circumstances. A first condo, a family home, and an income-producing building call for different questions, but each deserves a clear explanation of the lender, costs, conditions, and future flexibility.
Use this list to identify relevant experience, then compare written recommendations on the same assumptions. The professional you choose should connect the financing to your income, property, and plans, including how the mortgage will work if those plans change.
This publication provides general information, not personalised mortgage or financial advice. Products, fees, and lending requirements may change. Confirm the terms, total costs, and suitability of a proposed mortgage with a licensed mortgage professional or your lender before committing.
