[et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”16px|||||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_heading title=”Why People Work with a Mortgage Broker Today (And Why It\u2019s No Longer Just for \u201cDesperate Cases\u201d)” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text module_class=”liens-internes” _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n
For a long time, seeing a mortgage broker was a bit like going to the dentist in an emergency: you only went when something hurt and the bank had already said no. But that\u2026 was before. <\/span><\/p>\n Today, brokers attract both \u201cstrong\u201d clients and those with more complex files. Why? Because we\u2019ve become the GPS of financing: we compare, we advise, we avoid detours, and we spot solutions that banks don\u2019t always show you. And most importantly: we save time, stress, and often\u2026 a lot of money.<\/p>\n Here\u2019s a quick tour of the types of clients who turn to brokers \u2014 you might even recognize yourself!<\/span><\/p>\n [\/et_pb_text][et_pb_heading title=”1. Rate shoppers (aka: \u201cShow me the best deal, now!\u201d)” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Thirty years ago, brokers mostly handled declined files and more rock\u2019n\u2019roll cases. Today? Doctors, lawyers, investment bankers\u2026 and even people who could get a mortgage from almost any bank. <\/span><\/p>\n Why do they still come? Because they want someone to shop around for them.<\/p>\n A broker isn\u2019t just a rate seller. A broker is someone who: <\/span><\/p>\n In short, as one expert puts it, the broker has become a \u201cdebt advisor.\u201d It sounds less sexy, but that\u2019s exactly what it is.<\/p>\n [\/et_pb_text][et_pb_heading title=”2. Newcomers (or: \u201cThe Canadian system scares me, help!\u201d)” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Being new to the country is already complicated. Getting a mortgage in a system you don\u2019t understand? Even more so. <\/span><\/p>\n 75% of newcomers say they\u2019re afraid of making a financial mistake. Not surprising: different rules, different language, different documents. <\/span><\/p>\n Brokers become guides:<\/span><\/p>\n It\u2019s simple: when you arrive in a new country, you naturally turn to someone who understands you. Community brokers often become the first anchor point. <\/span><\/p>\n [\/et_pb_text][et_pb_heading title=”First-time buyers (curious, informed, and not interested in being pushed into one product)” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Contrary to what many think, young buyers are not less informed. Quite the opposite: they check TikTok, blogs, Reddit, comparison tools\u2026 They show up with a thousand questions.<\/p>\n They want:<\/span><\/p>\n The \u201cgo to your bank and take what they offer\u201d model doesn\u2019t work for them anymore. They want personalized guidance. That\u2019s why nearly half of first-time buyers go through a broker. <\/span><\/p>\n [\/et_pb_text][et_pb_heading title=”People buying a 2nd, 3rd, or 4th property” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n When a broker helps someone buy their first home, they often become that person\u2019s \u201cgo-to\u201d for renewals and future purchases.<\/span><\/p>\n Result?<\/span><\/p>\n Brokers see more and more A-quality files coming back into their pipeline.<\/span><\/p>\n In short: loyalty, stability, and relationships that last over several mortgage cycles.<\/span><\/p>\n [\/et_pb_text][et_pb_heading title=”5. Individuals with impaired credit (separation, debts, unforeseen circumstances\u2026)” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n No one is immune:<\/span><\/p>\n When banks close their doors, brokers have options: alternative lenders, cooperatives, private lenders. Not to “punish” the client: but to <\/span>help them get back on track<\/span><\/i>.<\/span><\/p>\n A good broker can:<\/span><\/p>\n This is genuine support, often spanning several years.<\/span><\/p>\n [\/et_pb_text][et_pb_heading title=”6. Self-employed individuals (or: "on paper I'm poor, but in reality I earn a very good living")” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n A classic!<\/span><\/p>\n You earn $150,000, but declare $60,000 after deductions? To your bank, you earn… $60,000. <\/span><\/p>\n For a broker, there are options:<\/span><\/p>\n With nearly 2.75 million self-employed individuals in the country, this segment continues to grow. Brokers are becoming indispensable for them. <\/span><\/p>\n [\/et_pb_text][et_pb_heading title=”7. Seniors (and especially reverse mortgages)” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n With the rising cost of living, many retirees wish to remain in their homes but need cash to cover:<\/span><\/p>\n Reverse mortgages are gaining popularity but require patient, clear, and reassuring guidance. Often, children, lawyers, or accountants participate in the process. <\/span><\/p>\n A broker takes that time. Banks, far less so. <\/span><\/p>\n [\/et_pb_text][et_pb_heading title=”Conclusion” _builder_version=”4.27.5″ _module_preset=”default” title_level=”h2″ hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”||1px|||” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n The broker is no longer a “last resort.” They are an entry point. That’s the transformation of the profession: Today, a broker is no longer someone you call when everything goes wrong. They are someone you call to achieve better, simpler, clearer outcomes. <\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”df3d6a9b-89b3-4b9f-987c-fd972b1c9305″ text_font=”Lato||||||||” text_text_color=”#616c78″ text_font_size=”12px” header_font=”Lato||||||||” header_text_color=”#616c78″ header_font_size=”16px” header_line_height=”1.8em” custom_margin=”||10px||false|false” custom_padding=”30px||0px|||” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”15px” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Note: For a personalized strategy, it\u2019s essential to work with your mortgage broker and financial advisor, as every situation is unique and must be handled on a case-by-case basis. [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”nous-joindre” module_class=”ps2id” _builder_version=”4.27.2″ _module_preset=”default” background_enable_color=”off” background_image=”https:\/\/saintlohypotheques.com\/wp-content\/uploads\/2024\/10\/BanniereMaison_VF-scaled.jpg” background_position=”top_center” custom_padding=”||66px|||” global_module=”233″ saved_tabs=”all” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” background_enable_color=”off” custom_padding=”||0px|||” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”_initial” background_enable_color=”off” custom_padding=”60px|60px|60px|60px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”20px|20px|20px|20px|true|true” custom_padding_last_edited=”on|tablet” border_radii=”on|30px|30px|30px|30px” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_heading title=”Contact Us” _builder_version=”4.27.2″ _module_preset=”07841036-136a-4d77-bb17-51caa82d7be6″ title_font=”Lato|700|||||||” title_text_align=”center” title_text_color=”#FFFFFF” title_font_size_phone=”50px” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_heading][et_pb_text _builder_version=”4.27.2″ _module_preset=”a26c019b-d73f-428f-b322-1293c2432cd0″ text_font=”Lato||||||||” text_font_size=”18px” text_orientation=”center” custom_margin=”||8px||false|false” locked=”off” theme_builder_area=”post_content”]<\/p>\n 514-771-4413 [\/et_pb_text][et_pb_contact_form email=”pierre-alain@planipret.com” success_message=”Thank you for your message. We\u2019ll get back to you as soon as possible. Talk to you soon! ” submit_button_text=”Send” _builder_version=”4.27.2″ _module_preset=”_initial” _unique_id=”085034b6-2c25-4672-b780-7a967f5e575a” form_field_background_color=”rgba(255,255,255,0.8)” form_field_text_color=”#012340″ title_font=”Urbanist||||||||” title_font_size=”52px” title_line_height=”1.2em” captcha_font=”Inter||||||||” captcha_text_color=”#FFFFFF” form_field_font=”Inter||||||||” form_field_font_size=”16px” form_field_line_height=”1.8em” custom_button=”on” button_text_size=”18px” button_text_color=”#012340″ button_bg_color=”#c1944b” button_border_color=”RGBA(255,255,255,0)” button_border_radius=”50px” button_font=”Lato|700|||||||” button_icon=”$||divi||400″ button_on_hover=”off” button_custom_padding=”16px|50px|16px|40px|true|false” title_font_size_tablet=”32px” title_font_size_phone=”20px” title_font_size_last_edited=”on|desktop” form_field_font_size_tablet=”15px” form_field_font_size_phone=”14px” form_field_font_size_last_edited=”on|desktop” border_radii=”on|10px|10px|10px|10px” border_width_all=”1px” border_color_all=”rgba(1,35,64,0.46)” global_colors_info=”{}” button_bg_color__hover=”#cac5c1″ button_bg_color__hover_enabled=”on|desktop” theme_builder_area=”post_content”][et_pb_contact_field field_id=”Nom” field_title=”Name” _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” 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button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” theme_builder_area=”post_content”][\/et_pb_contact_field][et_pb_contact_field field_id=”Message” field_title=”Message” field_type=”text” fullwidth_field=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” theme_builder_area=”post_content”][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Footer” _builder_version=”4.27.2″ _module_preset=”e353a920-61a0-4295-92ed-de6862886585″ custom_padding=”33px||0px||false|” global_module=”234″ saved_tabs=”all” locked=”off” collapsed=”on” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row 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text_orientation=”center” custom_margin=”||8px||false|false” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Member of<\/p>\n [\/et_pb_text][et_pb_image src=”https:\/\/saintlohypotheques.com\/wp-content\/uploads\/2024\/10\/logo_planipret_blanc_VF.png” title_text=”logo_planipret_blanc_VF” url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoiaG9tZV91cmwiLCJzZXR0aW5ncyI6eyJlbmFibGVfaHRtbCI6Im9mZiJ9fQ==@” align_tablet=”center” align_phone=”center” align_last_edited=”on|tablet” _builder_version=”4.27.2″ _dynamic_attributes=”url” _module_preset=”default” width=”88%” module_alignment=”center” custom_margin=”||20px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][et_pb_text _builder_version=”4.27.2″ _module_preset=”a26c019b-d73f-428f-b322-1293c2432cd0″ text_font=”Lato||||||||” text_font_size=”18px” text_orientation=”center” custom_margin=”||8px||false|false” locked=”off” global_colors_info=”{}” 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But that\u2026 was before. Today, brokers attract both \u201cstrong\u201d clients and those with more complex files. Why? Because we\u2019ve become the GPS of […]<\/p>\n","protected":false},"author":1,"featured_media":1470,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[32,1],"tags":[],"class_list":["post-1462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","category-non-categorise"],"yoast_head":"\n\n
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Note 2: If you don\u2019t have a financial planner, financial advisor, or insurance advisor, give us a call \u2014 we know the best!
<\/span><\/p>\n
pierre-alain@planipret.com<\/p>\n
pierre-alain@planipret.com<\/p>\n