Need a pre-qualification letter?

Get your mortgage prequalification letter easily and free of charge from your Multi-Prêts Équipe Caron broker. To do so, they’ll ask for proof of income, family income, residence, and other relevant documents depending on your situation (for example, whether you’re an employee or self-employed). The broker will help you understand both the bank-approved budget — which complies with lender and insurer ratios — and your personal budget, based on your own financial reality.

Lock your rate months ahead

Thanks to prequalification, you can lock in your interest rate to protect yourself from potential increases — sometimes for up to 6 months. The best part? It doesn’t commit you to anything. And if interest rates drop, you can still take advantage of the new, lower rates. A true win-win situation!

Never get caught off guard with Équipe Caron

Many potential buyers who don’t work with a mortgage broker wait too long to gather all the information needed to make an offer — not to mention the steps and waiting periods required by the different parties involved in their file. The result? They run out of time to get their mortgage approved and risk missing out on an opportunity that might not come around again anytime soon. When you work with a mortgage broker, they handle everything so you’re ready to purchase your property on time. Our brokers are used to working under tight deadlines — where every single day counts.

What happens if my situation changes?

Pre-approval is not definitive: job changes, divorce, or new debts can alter the final decision. Your broker will adjust the strategy if required.

Get the best rate in less than 24 hours — no shopping around

ÉQUIPE CARON - Mortgage Brokers

Access over 25 financial institutions in minutes

Compare live rates and get the best rates in Quebec from your first request

Get Your Rate

Quick online request – get the best rates and conditions tailored to your situation

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100% free — no impact on your credit

MULTI-PRÊTS: A TON OF ADVANTAGES

Choosing Multi-Prêts Équipe Caron means enjoying a ton of advantages that make your mortgage experience simple from start to finish. Our expert brokers, available all across Québec, compare offers from over 25 financial institutions to get you the best rates on the market, with no fees or commissions. You save time, money, and gain peace of mind knowing that a professional is negotiating the best possible conditions for your situation. With Multi-Prêts, everything becomes easier, faster, and more rewarding.

Completely free

Mortgage brokers Equipe Caron offer free services — no fees and no extra commissions to worry about. In fact, brokers are paid to promote mortgage products on behalf of banks and financial institutions. As a result, our services are provided completely free of charge.

The Best Rates

With Multi-Prêts Equipe Caron, you save a lot of money — first, because our mission is to find and negotiate the best rates for you with top financial institutions. We have access to a much wider range of mortgage products than individual institutions. Every year, Multi-Prêts negotiates over $44 billion in mortgages.

Big Savings

We know the market. All reputable lenders and financial institutions are part of our network, allowing us to negotiate the best rates available — no matter your situation or the reason for your request. We put all these lenders in competition to ensure you get the lowest possible rate.

Save time

Why go knocking on the doors of multiple financial institutions hoping to find the best rate, when a Multi-Prêts broker can handle all the tedious steps for you — completely free of charge? They’ll follow up with you and the institutions, quickly share all the important details of your file, and fill out all the paperwork for you. Meanwhile, you can focus on your day-to-day life!

Brokers available throughout Quebec

With Multi-Prêts Equipe Caron, you’re never far from expert advice. Our network of mortgage brokers is available across every region of Québec, ready to meet you in person or online. Whether you’re in Montreal, Quebec City, Gatineau, or any other area, you’ll have access to a dedicated professional who understands your local market and can guide you toward the best mortgage solution — wherever you are.

Mortgage services

Discover WHAT our Multi-Prêts Equipe Caron brokers OFFER YOU.

Prequalification

A mortgage prequalification is an important estimate that helps determine your borrowing capacity. It’s essential for establishing your credibility with the seller.

Learn more

Our mortgage calculators

Our mortgage calculators give you a quick, clear, and realistic estimate of your budget. Whether you want to know your payment amount, borrowing capacity, or potential savings through refinancing, our tools are here to guide you. Simple, fast, and accurate, they help you plan your real estate project with confidence — even before meeting with a broker.

How much can I borrow?

Calculate

Mortgage Payment?

Calculate

Talk to a broker to optimize your payments

Our mortgage rates

There are two main types of mortgage loans: open and closed. A closed mortgage is the most popular among homeowners because it offers the lowest interest rates, whether fixed or variable. However, it limits early repayments without penalty. An open mortgage, on the other hand, offers full flexibility — you can repay any amount at any time without penalties, making it ideal for those planning to sell or expecting funds soon.

1 year

Fixed

4.89%

3 years

Fixed

3.89%

5 years

Fixed

3.94%

7 years

Fixed

4.59%

Variable

3.7%

Compare for free with your institution

What our clients say

Discover what our clients have to say about Équipe Caron and their mortgage experience with a dedicated mortgage broker. Their testimonials reflect our commitment to providing personalized, transparent service and securing the best rates on the market.

Véronique Caron est la courtière hypothécaire avec laquelle je fais toujours affaires quand il s'agit de mon hypothèque et ce, depuis ma première maison. Son côté humain, son professionnalisme et la qualité de son service font en sorte que tout le processus me paraît si simple et c'est très agréable pour moi. Je suis très reconnaissante d'avoir Véronique et son équipe à mes côtés. :) Merci pour tout Véronique!

Cynthia B.

Recommandé 100% !!! si vous voulez acheter une maison, il faut les consulter! l'équipe Caron va trouver la façon de que vos rêves se réalisent!! Au moindre souci il s'occupent de le résoudre avec ses stratégies financières. Que ce soit une propriété ici ou ailleurs , il n'y a pas des limites! J'ai même obtenue de l'argent pour payer mes dettes!! Gros merci à l'équipe Caron et à Josée G. , qui nous a accompagnées dans toues les étapes avec son expérience et patience. Ce ne sera pas la dernière fois!

Violeta Valencia

Je ne prendrais que quelques minutes de ton temps, afin de te remercier du service que tu nous a offert, à ma conjointe et moi-même, lors de l’achat de notre condo. Ton service a toujours été hors pair, autant par l’écoute de nos besoins, que la compréhension de ceux-ci. Encore une fois, merci beaucoup!

Henry G.

Professionnalisme, qualité, réactivité et valeur Du début jusqu à la fin, elle nous a aidé à trouver le financement pour notre maison, professionnelle, disponible, et à l écoute, elle a supportée les centaines de questions que j avais au sujet de l hypothèque. Un très grand merci!, je recommande Vitalina à ceux qui veulent réussir leur hypothèque!

Mere N.

Meet the team

Meet the passionate professionals behind Équipe Caron. Our team of experienced mortgage brokers is dedicated to guiding you through every step of your financing journey — from pre-approval to signing your mortgage. Each member brings deep market knowledge, personalized advice, and a genuine commitment to helping you find the best solution for your needs. Discover the faces behind our success and find the broker who’s right for you.

Martine Blain

Mortgage broker

Katy Fréchette

Mortgage broker

Alexie Brien

Bryan Guinan Courtier Hypothécaire – Québec

Mortgage broker - Québec

Eric Nadeau

Mortgage broker

Michel Carrière

Mortgage broker

Choose your broker

WHY IS MULTI-PRÊTS THE best option?

Ranked #1 at Multi-Prêts for the 4th consecutive year, Véronique Caron and her team of over 100 brokers have played a major role in countless real estate transactions across the Greater Montreal area and throughout Québec.

Our goal is to help you save as much money as possible — especially on interest — unlike banks, whose primary objective is to make a profit. To achieve this, we have access to offers from over 25 partner institutions, allowing our clients to save both time and effort. By working with Multi-Prêts, you don’t need to contact multiple financial institutions to compare offers — we do all the work for you. In addition, our complementary services — mortgage pre-approval, renewal, and refinancing — add even more value to the advantages of choosing Multi-Prêts.

In addition to securing the best market rate with the most favorable terms for your situation, your mortgage broker’s role is to get your loan approved and determine how much you can borrow, lock in your rate for several weeks to protect you from interest rate increases, stay available to answer your questions and guide you every step of the way, and handle all key calculations — such as monthly or biweekly payments based on your terms and amortization period.

In Canada, 6,000 Multi-Prêts brokers work in your best interest — helping you save money! Each year, the team secures approximately $44 billion in mortgage loans for clients, always at the most competitive rates on the market. Unlike banks and other financial institutions that only offer their own products, our brokers provide access to the full range of options from 25 partner lenders, including exclusive lenders who work only with brokers. Plus, our brokers know the mortgage industry and market better than anyone, ensuring they can find the most advantageous solution for every client.

Your mortgage broker is the bridge between you and banking institutions or other lenders. They know better than anyone how to represent you and give you the credibility you deserve in their eyes. This is how they can secure the most advantageous mortgage loan for you, renew your current loan under favorable conditions, or refinance it.

Access to more than 25 BANKS & FINANCIAL INSTITUTIONS.

With the help of more than 25 financial partners (credit unions, banks, and Canadian financial institutions), we find the best rates and terms for you. Contact us to quickly get pre-approved for a mortgage.

A network of
242 real estate brokers partners

We are proud to collaborate with a growing network of passionate real estate brokers who share our vision of innovation and efficiency. Each of our partners integrates our intelligent mortgage calculator and simplified pre-qualification forms on their website, allowing buyers to take action faster and brokers to close transactions with confidence.

See our real estate brokers partners

Varennes et Boucherville

Francois Leduc

Residential and Commercial Real Estate Broker. Proud sponsor of young athletes.

Rive-sud

Sonia Dubois

Real estate agent

Montréal

Montserrat Anaya Jaime

Real estate broker

Terrebonne

Christine Mailhot

Residential Real Estate Broker

Montréal

Emmanuel Paquin

Residential and Commercial Real Estate Broker

Montréal

Françoise Cardyn

Residential real estate broker

Candiac

Valerie Cloutier

Residential Real Estate Broker

Repentigny

Robert Bouchard

Real Estate Agent

The best rates are
at Multi-Prêts!

Looking to access the lowest mortgage rate on the market? If you live in the Greater Montreal area, contact the Multi-Prêts Hypothèques mortgage brokers from Équipe Caron. Their extensive experience in the field and high volume of negotiated loans will give you peace of mind. Professional and attentive, they’ll secure the best offer to help you save money.

2414 chemin Chambly,
Longueuil, QC, J4L 1L7