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Our services

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Help a loved one

Talk to a broker

Home

About

Contest

Calculator

Our services

Our brokers

Help a loved one

Talk to a broker

MORTGAGE BROKERAGE FIRM · ALL ACROSS QUEBEC

MORTGAGE BROKERAGE · ACROSS QUEBEC

WE SHOP FOR YOUR MORTGAGE.

You keep the difference.

More than 100 mortgage brokers compare offers for you from nearly 20 lenders — major banks, alternative and private lenders. Purchase, renewal or refinancing: 100% personalized support, with no hidden fees.

I want to buy a house

I want to renew / refinance

No hidden fees

Across Quebec

Flexible hours

The JA Mortgages team smiling during a meeting at the office

“They listen to their clients’ needs and always find a solution!”

— Lou Rose, client

ACCESS TO OUR PARTNER LENDERS

100+

MORTGAGE BROKERS

PARTNER LENDERS

100%

PERSONALIZED SUPPORT

HIDDEN FEES

WHY A BROKER

WE WORK
FOR YOU.

Not for a bank.

Your bank offers you its products. We compare the market and negotiate on your behalf — so you can sign the best possible agreement, with complete confidence.

PERSONALIZED ACCOMPANIMENT

Your situation is unique. We adapt the strategy to your financial reality, your level of comfort, and your long-term ambitions.

ACCESS TO MULTIPLE LENDERS

Traditional banks, alternative lenders, private solutions: more choice, more flexibility, and often, better terms.

RATE COMPARISON

Our internal comparison tool gives us a clear view of the best offers. We negotiate with complete transparency, with no hidden fees.

YOUR BANK

Offers from a single lender

An advisor who represents the bank

Branch hours of operation

Standard products

JA MORTGAGES

Offers from nearly 20 lenders

A broker who represents you

Flexible hours that fit your schedule

Solutions for self-employed workers, newcomers, and complex cases

Get the best rate

OUR SERVICES

A SOLUTION

for each project.

Smiling JA Mortgages broker in a meeting with clients

BUYING A PROPERTY

First-time buyer or next home: we structure your financing so you can buy with confidence.

PRE-APPROVAL

Know your real budget before shopping for your property.

PRE-APPROVAL

Know your real budget before shopping for your property.

RENEWAL

Don't sign your bank's renewal letter without comparing. We negotiate for you.

RENEWAL

Don't sign your bank's renewal letter without comparing. We negotiate for you.

REFINANCING

Renovating, consolidating debt, or investing: we put your home equity to work smartly.

REFINANCING

Renovating, consolidating debt, or investing: we put your home equity to work smartly.

SELF-EMPLOYED WORKERS

Variable income? We know the lenders who understand your reality.

SELF-EMPLOYED WORKERS

Variable income? We know the lenders who understand your reality.

NEW ARRIVALS

New to Canada? We can guide you to programs suited to your situation.

NEW ARRIVALS

New to Canada? We can guide you to programs suited to your situation.

COMPLEX SITUATIONS

Rebuilding credit or have an atypical file? We find the right angle, no matter the complexity.

COMPLEX SITUATIONS

Rebuilding credit or have an atypical file? We find the right angle, no matter the complexity.

VIEW ALL OUR SERVICES →

HOW IT WORKS

SIMPLE AND CLEAR,

from start to finish.

TELL US ABOUT YOUR PROJECT

Fill out the form in just a few minutes. A broker will contact you at a time that works for you: day, evening, or weekend.

WE ARE ANALYZING YOUR SITUATION

Income, credit, down payment, goals: we build a strategy that fits your needs.

WE SHOP FOR YOU

We present your file to the most relevant lenders and negotiate the best conditions.

YOU SIGN WITH CONFIDENCE

We explain every detail to you, without the jargon, right up until the signing at the notary's office. And we're still there for whatever comes next.

Start now

FREE TOOL

CALCULATE YOUR PAYMENTS

in a few seconds.

Simulate your mortgage payment based on price, down payment, rate, and amortization. For tailored advice, a broker is here for you.

OPEN FULL CALCULATOR →

Calculate based on your:

Salary

Down payment

20%

5% (min)100%

*Please note that the minimum down payment can vary depending on the type of property and/or the amount of financing requested, and that the selected option may not be available.

Interest rate

5.5%

0%10%20%

*The rate shown is for simulation purposes. Your actual rate depends on your file, the term and the lender.

Amortization

In case of amortization exceeding 25 years, please note that the desired amortization may not be available depending on the percentage of down payment and/or the type of property.

Your results

Eligible purchase price without debt

$439,715

Amount of financing based on the down payment

(including the insurer's premium)

$351,772

Monthly mortgage payment

$2,160

Please note that the information found on this mortgage calculator is provided for indicative purposes and may not be completely accurate. To ensure the accuracy of the information, we recommend that you contact one of our mortgage brokers.

CONTACT A BROKER

Your settings

Salary

Down payment

20%

5% (min)100%

*Please note that the minimum down payment can vary depending on the type of property and/or the amount of financing requested, and that the selected option may not be available.

Interest rate

5.5%

0%10%20%

*The rate shown is for simulation purposes. Your actual rate depends on your file, the term and the lender.

Amortization

In case of amortization exceeding 25 years, please note that the desired amortization may not be available depending on the percentage of down payment and/or the type of property.

Your results

Eligible purchase price without debt

$439,715

Amount of financing based on the down payment

$351,772

Monthly mortgage payment

$2,160

CONTACT A BROKER

Calculate based on your:

Salary

Down payment

20%

5% (min)100%

*Please note that the minimum down payment can vary depending on the type of property and/or the amount of financing requested, and that the selected option may not be available.

Interest rate

5.5%

0%10%20%

*The rate shown is for simulation purposes. Your actual rate depends on your file, the term and the lender.

Amortization

In case of amortization exceeding 25 years, please note that the desired amortization may not be available depending on the percentage of down payment and/or the type of property.

Your results

Eligible purchase price without debt

$439,715

Amount of financing based on the down payment

(including the insurer's premium)

$351,772

Monthly mortgage payment

$2,160

CONTACT A BROKER

Your settings

Salary

Down payment

20%

5% (min)100%

*Please note that the minimum down payment can vary depending on the type of property and/or the amount of financing requested, and that the selected option may not be available.

Interest rate

5.5%

0%10%20%

*The rate shown is for simulation purposes. Your actual rate depends on your file, the term and the lender.

Amortization

In case of amortization exceeding 25 years, please note that the desired amortization may not be available depending on the percentage of down payment and/or the type of property.

Your results

Eligible purchase price without debt

$439,715

Amount of financing based on the down payment

$351,772

Monthly mortgage payment

$2,160

CONTACT A BROKER

TESTIMONIALS

THEY MADE US

confidence.

I simply loved my experience with JA Mortgages, they listen to the client's needs and always find a solution! Thank you again to you.

— LOU ROSE

I am truly satisfied with the service, you have demonstrated great efficiency, attentive listening, and exceptional dedication. Your work deserves to be highlighted, a huge thank you for everything you have done!

— JEANTY ENOLD

Unlike many others, the process was quick, easy, and efficient. I was pleasantly surprised by the follow-up as well as the help offered to gather the right documents.

— MAXIME CAOUETTE

I simply loved my experience with JA Mortgages, they listen to the client's needs and always find a solution! Thank you again to you.

— LOU ROSE

— JEANTY ENOLD

Unlike many others, the process was quick, easy, and efficient. I was pleasantly surprised by the follow-up as well as the help offered to gather the right documents.

— MAXIME CAOUETTE

OUR BROKERS

OVER 100 BROKERS.

Across Quebec.

Neighbourhood brokers who know their market, backed by the strength of a structured firm focused on rigor, compliance, and quality of service.

Find your broker

Two smiling JA Mortgages team members in front of a computer

OUR COMMUNITY

HELP A LOVED ONE

Sometimes, it just takes someone to raise their hand for someone else.

A parent stretching their budget. A friend who is too proud to ask. Nominate someone you care about for our program: if they are selected, we will plan the surprise together.

FAQ

QUESTIONS

frequent.

Another question? An advisor is here to answer.

Talk to a broker

In the vast majority of cases, our services are free of charge to you: the broker is compensated by the lender. If any fees apply to your situation (for example, for certain private loans), they will be clearly disclosed to you before any commitment is made.

CONTACT

LET'S TALK ABOUT YOUR PROJECT.

A broker is here to guide you.

Purchase, renewal, or refinancing: fill out the form in just a few minutes and a mortgage broker will contact you.

No hidden fees

Across Quebec

A broker who represents you

PHONE

450-912-1563

info@jahypotheques.ca

ADDRESS

3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC J3Z 0G7

Step 1 of 4Next: Details

What is your project?

Choose the option that best fits your situation.

Prefer to talk to a broker?Call us at 450-912-1563

No commitment · Your information stays confidential

CONTACT

LET'S TALK ABOUT YOUR PROJECT.

A broker is here to guide you.

Purchase, renewal, or refinancing: fill out the form in just a few minutes and a mortgage broker will contact you.

No hidden fees

Across Quebec

A broker who represents you

PHONE

450-912-1563

info@jahypotheques.ca

ADDRESS

3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC J3Z 0G7

Step 1 of 4Next: Details

What is your project?

Choose the option that best fits your situation.

Prefer to talk to a broker?Call us at 450-912-1563

No commitment · Your information stays confidential

CONTACT

LET'S TALK ABOUT YOUR PROJECT.

A broker is here to guide you.

Purchase, renewal, or refinancing: fill out the form in just a few minutes and a mortgage broker will contact you.

No hidden fees

Across Quebec

A broker who represents you

PHONE

450-912-1563

info@jahypotheques.ca

ADDRESS

3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC J3Z 0G7

Step 1 of 4Next: Details

What is your project?

Choose the option that best fits your situation.

Prefer to talk to a broker?Call us at 450-912-1563

No commitment · Your information stays confidential

CONTACT

LET'S TALK ABOUT YOUR PROJECT.

A broker is here to guide you.

Purchase, renewal, or refinancing: fill out the form in just a few minutes and a mortgage broker will contact you.

No hidden fees

Across Quebec

A broker who represents you

PHONE

450-912-1563

info@jahypotheques.ca

ADDRESS

3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC J3Z 0G7

Step 1 of 4Next: Details

What is your project?

Choose the option that best fits your situation.

Prefer to talk to a broker?Call us at 450-912-1563

No commitment · Your information stays confidential

TAKE ACTION

READY TO GET

the best rate?

No commitment and no hidden fees. Speak to a broker today.

I want to buy a house

I want to renew / refinance

Or call us at 450-912-1563

Talk to a broker, with no hidden fees.

TALK TO A BROKER

SERVICES

COMPANY

CONTACT

info@jahypotheques.ca

3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC, J3Z 0G7

2026

JA Mortgages — Mortgage Brokerage

Complaints handling policy

Talk to a broker, with no hidden fees.

TALK TO A BROKER

SERVICES

COMPANY

CONTACT

info@jahypotheques.ca

3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC, J3Z 0G7

2026

JA Mortgages — Mortgage Brokerage

Complaints handling policy

Talk to a broker, with no hidden fees.

TALK TO A BROKER

SERVICES

COMPANY

CONTACT

info@jahypotheques.ca

3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC, J3Z 0G7

2026

JA Mortgages

Complaints handling policy

Talk to a broker, with no hidden fees.

TALK TO A BROKER

SERVICES

COMPANY

CONTACT

info@jahypotheques.ca

3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC, J3Z 0G7

2026

JA Mortgages — Mortgage Brokerage

Complaints handling policy

WE SHOP FOR YOUR MORTGAGE.

ACCESS TO OUR PARTNER LENDERS

WE WORKFOR YOU.

PERSONALIZED ACCOMPANIMENT

ACCESS TO MULTIPLE LENDERS

RATE COMPARISON

A SOLUTION

BUYING A PROPERTY

PRE-APPROVAL

PRE-APPROVAL

RENEWAL

RENEWAL

REFINANCING

REFINANCING

SELF-EMPLOYED WORKERS

SELF-EMPLOYED WORKERS

NEW ARRIVALS

NEW ARRIVALS

COMPLEX SITUATIONS

COMPLEX SITUATIONS

SIMPLE AND CLEAR,

TELL US ABOUT YOUR PROJECT

WE ARE ANALYZING YOUR SITUATION

WE SHOP FOR YOU

YOU SIGN WITH CONFIDENCE

CALCULATE YOUR PAYMENTS

Salary

Down payment

Interest rate

Amortization

Your results

Your settings

Salary

Down payment

Interest rate

Amortization

Your results

Salary

Down payment

Interest rate

Amortization

Your results

Your settings

Salary

Down payment

Interest rate

Amortization

Your results

THEY MADE US

OVER 100 BROKERS.

HELP A LOVED ONE

QUESTIONS

Does it cost anything to work with a mortgage broker?

What is the difference between a broker and my bank?

My mortgage is up for renewal. Is it too late to switch?

I am self-employed or a newcomer. Can you help me?

Which regions do you serve?

How long does a pre-qualification take?

LET'S TALK ABOUT YOUR PROJECT.

What is your project?

LET'S TALK ABOUT YOUR PROJECT.

What is your project?

LET'S TALK ABOUT YOUR PROJECT.

What is your project?

LET'S TALK ABOUT YOUR PROJECT.

What is your project?

READY TO GET

WE WORK
FOR YOU.