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Bryan Guinan
Mortgage Broker

Whether it's for a small residential mortgage, refinancing, or a real estate investment, Formation site web is the mortgage broker you need!

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Formation 1, Mortgage broker

For the past 20 years, I have been proudly working as a mortgage broker with the same brokerage firm, Multi-Prêts Mortgages. My specialty? Taking the time to truly listen to my clients and understand their needs. I provide a comprehensive overview of the mortgage products and services offered by more than 20 financial institutions. You can rely on my expertise and experience—I know them all. My goal is to secure a mortgage solution that reflects your priorities and fits your unique situation. For every mortgage financing request, I am able to offer a solution, anywhere in Quebec. There are no limits, and my services are completely free of charge. Bryan Guinan, Mortgage Broker at Multi-Prêts Mortgages.

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OFFERED SERVICES

Tailored mortgage solutions to guide you through every step of your journey — whether it's a first purchase, refinancing, or an investment project.

Residential Mortgage Loans

Whether you're looking for a mortgage loan or considering a multifamily property, I will guide you through every step involved in achieving your financial goals.

  • Personalized options tailored to your profile.
  • Best rates to maximize your savings.
  • Expert guidance throughout the process.
Learn more
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Current Rates

Fixed Rates

1 year 4.59%
3 years 3.99%
5 years 4.14%
7 years 4.54%

Variable Rates

Variable 3.45%

* Some conditions may apply. Subject to change without notice. Rates may vary based on the amount borrowed, collateral provided, or other factors. Please refer to your Multi-Prêts broker for more details.

FREQUENTLY ASKED QUESTIONS

Find answers to your most frequently asked questions

What is a mortgage pre-approval?

A pre-approval is a preliminary assessment of your borrowing capacity. It gives you a maximum amount you can borrow and a guaranteed rate for a set period, usually 90 to 120 days.

What is the difference between fixed and variable rates?

A fixed rate stays constant throughout the term, offering payment stability. A variable rate fluctuates with the Bank of Canada's key rate, potentially more advantageous but with more risk.

How much down payment do I need?

In Canada, the minimum down payment is 5% for properties under $500,000, 10% for the portion between $500,000 and $1M, and 20% for properties over $1M. I can help you explore your options.

Schedule an Appointment

Book a personalized consultation to discuss your mortgage needs and get tailored advice.

  • Personalized Consultation
  • Analysis of your situation
  • Expert Advice
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Online Request

Complete our online form to start your mortgage application and speed up the approval process.

  • Simplified Process
  • Quick Response
  • Personalized Follow-up
MAKE A REQUEST