Answer a few questions (60 seconds) — your file is forwarded to a licensed partner mortgage broker who compares rates for you, at no cost and with no commitment.
A few questions about your project, in 60 seconds.
To a licensed, independent partner mortgage broker.
With the options available from several lenders.
Lenders I work with for your mortgage projects: Banque Manuvie, BMO Bank of Montreal and RBC Royal Bank. The partner broker can also compare other lenders.
Policy rate and prime rate: official source, Bank of Canada (Valet API), updated automatically every day. Rates posted by institutions: see each one's official link; they change often and the rate you obtain depends on your file (down payment, credit, income, property). For information only; this is not a loan offer. Jean Carrière is not licensed in mortgage brokerage and does not represent any of these institutions: your request is forwarded to a licensed partner mortgage broker.
With Manulife One, your pay and savings are deposited directly against your balance: every dollar immediately reduces the amount on which interest is calculated. Possible result: less interest and a home paid off faster, if you are disciplined.
Less than 20% down? Manulife Bank Select lets you split your loan into portions with different rates and terms, with a minimum down payment of 5%.
Manulife One combines your mortgage and bank account into a single line of credit secured by your property. Every dollar deposited (salary, savings) immediately reduces the balance owed, and every dollar of principal repaid becomes available again right away — with no need to renegotiate. Estimate below the approximate structure of such an arrangement for your situation.
Your request has been sent. A licensed partner mortgage broker will contact you shortly to discuss the available options.
Our other coverage
Coverage for 10, 20 or 30 years, at the lowest cost per dollar of coverage, for the years your family depends on you: mortgage, children, debts. It can usually be converted later to permanent insurance without new proof of health.
Our partners
An advisor will reply, free and without obligation.
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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An advisor will reply, free and without obligation.
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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An advisor will reply, free and without obligation.
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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An advisor will reply, free and without obligation.
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.
Our partners
An advisor will reply, free and without obligation.
Choose your situation: I'll show you what matters, straight to the point.
Group insurance, VRSP or group RRSP for your team.
Group quoteYour group insurance may not be enough. Let's see what's missing.
Get a quoteNo employer protects you: your income, retirement and family rest on you.
Protect my incomePurchase, renewal or refinancing: one request, several options.