Local Mortgage Broker in Hawkesbury (ON)
Call (613) 318-6315
As a mortgage agent, I work with most financial institutions to find you the best rate on new mortgages and mortgage renewals. My services are free for most borrowers as I get paid directly by the bank.
Why Work with Me?
I’ll Help You Save Money
I work with top lenders to find the best rates for your situation, helping you save thousands over the life of your mortgage.
You’ll Get Personalized Advice
Every client’s financial goals are unique. I’ll take the time to understand your needs and provide tailored solutions for buying, renewing, or refinancing.
I’ll Save You Time
Don’t stress about comparing lenders. I’ll do the work for you—quickly and efficiently—so you can focus on what matters most.
"I received excellent service. Philippe is very competent! Thank you so much."
Agathe L., October 2024
Eastern Ontario
⭐⭐⭐⭐⭐
Free 15-Minute Mortgage Planning Session
Let’s work together to create a clear plan for your mortgage—whether you’re renewing, buying, or refinancing.
In just 15 minutes, we’ll:
- ✔ Discuss your financial goals
- ✔ Answer your questions about rates, terms, and options
- ✔ Help you create a clear plan for your mortgage
It’s quick, easy, and completely free!
Book Your Free 15-Minute ConsultationCurrent Rates
Current variable mortgage rate is
4.30%
Current prime rate is
4.95%
-
- Terms
- Bank Rates
- Payment Per $100k
- Our Rates
- Payment Per $100k
- Savings
-
- 6 Months
- 7.89%
- $756.21
- 7.49%
- $730.93
- $25.28
-
- 1 Year
- 7.74%
- $746.69
- 5.29%
- $598.22
- $148.46
-
- 2 Years
- 7.34%
- $721.53
- 5.19%
- $592.47
- $129.06
-
- 3 Years
- 6.94%
- $696.72
- 4.34%
- $544.61
- $152.10
-
- 4 Years
- 6.74%
- $684.44
- 4.34%
- $544.61
- $139.82
-
- 5 Years
- 6.79%
- $687.50
- 4.29%
- $541.86
- $145.64
-
- 7 Years
- 7.10%
- $706.60
- 5.35%
- $601.69
- $104.91
-
- 10 Years
- 7.25%
- $715.92
- 5.75%
- $625.02
- $90.90
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. E.& O.E.
Access to Ontario’s Top Lenders
I work with a wide range of trusted lenders to find the best mortgage solution for your unique needs.
Lenders
Frequently Asked Questions
During the consultation, I’ll help you understand your mortgage options, whether you’re renewing, refinancing, or buying a new home. We’ll discuss your financial goals, answer your questions, and create a clear plan tailored to your needs—all at no cost to you.
Absolutely! While I’m based in Eastern Ontario, I work with clients across Ontario through online consultations, making the process convenient no matter where you’re located.
A fixed rate stays the same throughout your term, offering stability and predictable payments. A variable rate fluctuates based on the prime rate, which can lead to savings if rates drop—but also potential increases. I’ll explain the pros and cons of each during our consultation.
I work with most major lenders, including banks, credit unions, and alternative lenders. By comparing rates and terms across multiple lenders, I can find the best option that fits your unique financial situation and goals.
There’s no need to prepare anything special. However, if you have documents like your mortgage renewal notice, a recent pay stub, or a list of questions, feel free to have them handy for our discussion.
Yes, I can! I work with lenders who specialize in helping clients with less-than-perfect credit. We’ll discuss your situation and find solutions to meet your needs.
The best time depends on factors like interest rates, the remaining term on your mortgage, and your financial goals. I can help you evaluate whether refinancing now will save you money or improve your financial situation.
