Check the broker’s licence first
Check the broker and firm in the Autorité des marchés financiers register. Confirm the name, licence and authorized activities. My AMF licence number is 279202, and I’m affiliated with Groupe Kelto inc. under the Mortgage Architects banner.
Source: AMF — Register of authorized firms and individuals ↗
Ask which options the broker can compare
Ask which lenders and mortgage options the broker can consider, and which aren’t available. You should understand the terms, penalties and flexibility, along with any restrictions.
Understand how the broker is paid
Ask how the broker is paid and whether you could owe any fees, including when and why they would apply. For most residential mortgages, I’m paid by the lender you choose. If fees apply to your situation, I’ll explain them before we move forward.
Look for clear answers and follow-up
A broker should explain the steps, documents, expected timing and any conditions still to be met. Ask how your sensitive information will be shared and who will keep you updated.
My finance studies at Concordia University and experience in commercial financing at National Bank shape how I review a mortgage application and explain the options. I’m based in Saint-Lambert and work with clients throughout Quebec by phone or video call.
Learn about my approach or book a free, no-obligation first conversation.
Let’s talk about your next step.
I’ll help you understand your options, the documents you may need and what comes next. The lender decides whether you qualify and gives the final approval.
Let’s talk about your project →Read the guides