Purchase, renewal, refinancing or rental investment: describe your project and I will forward your file to a licensed partner mortgage broker, who will analyze your situation and shop the best terms among several lenders.
Jean Carrière is an independent representative in insurance of persons and group insurance of persons (AMF certificate 259457). Mortgage brokerage is a separate discipline, regulated in Quebec by the Autorité des marchés financiers under the title of mortgage broker or mortgage brokerage agent — Jean Carrière does not hold a licence in it.
For these needs, Jean refers his clients to a licensed partner mortgage broker, who shops rates and terms among several lenders (banks, financial cooperatives and alternative lenders) in order to propose the best-suited financing solution. The form below sends your request so that this broker, licensed for that discipline, can contact you and carry out a real analysis.
Target for the overnight rate held by the Bank of Canada on 15 July 2026 — next announcement on 2 September 2026 (source officielle). This rate influences — without directly determining — the variable mortgage rates offered by lenders; it is not an offer of a rate.
This referral service is for anyone with a real estate project requiring financing, in particular in the following situations.
Principal residence, first home, condo or second property.
Your term is coming due and you want to compare the terms offered elsewhere.
Debt consolidation, renovations or access to the equity in your property.
Buying an income property or a property to rent out.
No-traditional income requiring a tailored financing analysis.
Knowing your borrowing capacity before shopping for a property.
A general description of the main types of mortgage financing. The partner broker will help you determine the combination best suited to your situation and to the expected path of rates.
The interest rate stays the same for the whole of the term chosen (generally 1 to 10 years), whatever the market does.
Avantages : complete predictability of the payment during the term, and protection against a rate increase during that period.
Points to consider: generally less advantageous if rates fall during the term; prepayment penalties are often higher than with a variable rate.
Generally relevant for: borrowers who value budget stability and prefer to avoid the uncertainty of rate movements.
The interest rate fluctuates with lenders' prime rate, generally tied to Bank of Canada decisions. Depending on the lender, the payment may stay fixed (with the principal and interest split changing) or adjust directly.
Avantages : historically advantageous over the long run across several rate cycles compared with a fixed rate; prepayment penalties are generally lower.
Points to consider: exposure to rising rates, which can increase the payment or lengthen the amortization period depending on the terms of the loan.
Generally relevant for: borrowers comfortable with some budget uncertainty, in exchange for potential long-term savings.
A home equity line of credit lets you borrow and repay flexibly up to an authorized limit, secured by the net value of your property — generally combined with a term portion in a hybrid product.
Avantages : flexible access to funds without having to reapply for a loan each time a need arises, with interest paid only on the balance used.
Points to consider: the rate is generally variable and higher than a term mortgage; discipline is required to avoid accumulating unplanned debt.
Generally relevant for: homeowners who want flexible access to their equity for future projects (renovations, investments, unexpected expenses).
This calculator gives an order of magnitude for your payment based on the amount, rate and amortization period chosen. The actual rate offered depends on your profile and on the lender selected — to be confirmed with the partner broker.
Fill in this short form — your file will be forwarded to a licensed partner mortgage broker so that they can contact you and carry out a real analysis.
Jean Carrière is an independent representative in insurance of persons and group insurance of persons, registered with the Autorité des marchés financiers (AMF) under certificate number 259457. Jean is not licensed in mortgage brokerage — requests submitted on this page are forwarded to a licensed partner mortgage broker.
The payment calculator above gives an indicative estimate for general planning purposes; it is not a loan approval or an offer of a rate. The actual rate, eligibility and terms depend on your complete profile and on the lender selected.
Purchase, renewal or refinancing: your file goes to a licensed partner mortgage broker, who shops several lenders.
Our other coverage
Group insurance (life, disability, health and dental) and group retirement savings (group RRSP, VRSP, DPSP). A well-designed plan helps attract and keep employees, and employer contributions are generally deductible.
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Whole life insurance protects your family for life and builds a guaranteed cash surrender value. Participating policies may also pay annual dividends, which are not guaranteed.
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Universal life separates the cost of coverage from the savings component, which grows tax-sheltered within permitted limits. You adjust deposits to your budget and choose your investment options.
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Individual mortgage insurance belongs to you: the benefit is paid to your beneficiaries, who decide how to use it, and the coverage follows you if you change lenders. Compare it with the bank's offer before you sign.
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