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Services

1st time buyer?

Buying a home often represents the most important investment in a lifetime. Multi-Prêts, with over 25 years of experience, can help you make the best out of this investment. Christopher is trained to support you through your project and based on your individual situation, walk you through the steps towards finding you the perfect mortgage.

Renting or home ownership? Ask yourself these questions..

You are getting ready to invest in a new home, suddenly the doubt bug hits you. Is this the right time? What would be the amount of my mortgage payments?

To get a clearer picture, please enter your data in our calculator and you will get an estimate of your mortgage payments.

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Already a home owner?

All that’s missing in your perfect world is a cottage?

Already a home owner, and you cannot stop dreaming about a cottage out in the country or a pad in the downtown core? With over 25 years of experience in the mortgage industry, Multi-Prêts can offer you, via its chosen lenders, vacation property programs that will make your dreams a reality. Christopher Brown can help you put your project in perspective and determine the steps required to find the mortgage that best suits your needs.

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Have a renovation project on your mind?

Did you know that the value of your house has most probably increased since you purchased it? This value gain can help you renovate your home. Refinancing allows you to use your home equity to secure a lower interest rate to finance your renovation projects.

Did you know that:

  • You can borrow up to 85% of the value of your condo, duplex, detached home, 3-4 unit property if it is owner occupied.
  • You can borrow up to 85% of the market value for multi-unit buildings of more than 5 units.
  • Once the balance of your mortgage is deducted, the available sum could allow you to reinvest in other projects.
  • You can apply for refinancing at any time.

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Large Debts that never seem to go down?

Before opting for debt consolidation, you should analyze your financial situation with extreme care and determine whether or not you will be able to repay your loan within a reasonable period of time. If the payments are too high or if you have an irregular cash flow stream and find the debt load too overwhelming, it may be comforting to know that the value of your property has most probably increased since you purchased it. This value increase can give you access to mortgage refinancing and help you pay off your debts. Refinancing allows you to use your home equity to secure a lower interest rate.

  • You can borrow up to 85% of the value or your single or 1 to 4 unit property if it is owner occupied.
  • You can borrow up to 85% of the net value for multi-unit buildings of more than 5 units.
  • You must then deduct your mortgage balance form that amount. The excess can be used to pay off certain of your debts while taking advantage of lower rates*.

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Time To Renew Your Mortgage?

To take advantage of the most advantageous rates, contact Chris at least 3 months before the end of your term. You could even transact for free.

Let Chris develop a mortgage solution tailored to your financial needs. He will review your financial position and discuss the most important elements like choosing the mortgage term and evaluate the accelerated repayment options.

Take time to analyze the options available to you before you renew your mortgage. You must understand how the lenders will look at your application, and which are the key elements considered before accepting your renewal. The more you know about the mortgage process, the better you will understand Christopher’s consultant suggestions which will facilitate your overall mortgage renewal process.

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Want to invest but don’t have the cash?

As a home owner, you will be happy to know that your house has most probably increased in value since you purchased it. This built equity can help you grow your investment portfolio or could let you invest it in a multi-unit property. Refinancing allows you to use your home equity to secure a loan at a lower interest rate by borrowing up to 85% of the market value of your property, minus your mortgage balance.

Did you know that:

  • You can apply for refinancing at any time.
  • You can borrow up to 85% of the market value for a one to four unit owner occupied property and 85% for multi-unit buildings of 5 units or more.

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Secured Line of Credit

There are a variety of options on the market that allow you to combine various mortgage products, like a line of credit, closed mortgages (1 year, 5 years, variable, …), all guaranteed by a first rank mortgage that could be higher than your property value. All in order to cover your future financial needs without having to pay for additional notary fees.

The maximum amount available immediately could be 80% of the actual value of your property. The interest on the line of credit is calculated monthly only on the amount borrowed. It is an open mortgage where you could only pay the monthly interests.

The advantages of a line of credit are numerous. You could use it as needed for renovations or pay off higher interest credit cards. If you are expecting to receive large sums of money in the future, there is no limit for capital reimbursements and no penalty.

Contact Chris for more information.


Retired? Why not get a Reverse Mortgage?

Multi-Prêts lets you enjoy life with the CHIP Home Income Plan. See how your home equity could help you realize projects in this period of your life…

Enjoy life now!

Wouldn’t it be nice to realize a dream or a project? It’s now possible to enjoy life with Chip Home Income Plan. This program is an easy way to turn your home value into cash to treat yourself after these years of hard labour or to face unplanned expenses.

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Chris Brown
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All the experts!

Do you need a . . .

- Real estate broker?
- Notary?
- Accountant?
- Mortgage insurance agent?
- Financial advisor?
- Interior decorator?
- Home inspector?
- General contractor?

Contact Chris
He can put you in touch with all the experts.


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