Mortgage Broker in Montreal — Tailored Solutions for Every Situation.
An independent mortgage broker who works for you, not for your bank.
I’m Rui Alberto Maia, an Autorité des Marchés Financiers accredited mortgage broker, a certified Equifax credit professional, affiliated with Dominion Lending Centres, with over 25 years of experience in financial services.
On this website, you’ll find solutions to help you better understand your mortgage financing options: home purchase, mortgage renewal, mortgage refinancing, alternative financing, private mortgage lending, and reverse mortgages.
Whether your file is simple, complex, refused by a financial institution, affected by credit challenges, tied to self-employment income or based on the need to use the equity in your property, my role is to guide you with a clear, human and personalized approach.
As an independent mortgage broker, I work for you, not for your bank. I take the time to analyze your situation, compare available options and explain the advantages, limits, costs and next steps before you make a decision.
The Expertise of a Mortgage Broker at Your Service
Over 25 Years of Experience
I have been guiding clients through financial and mortgage decisions for over 25 years. This experience allows me to better understand files that are straightforward, complex, or urgent.
AMF Accredited
I am a mortgage broker accredited by the Autorité des marchés financiers. Representative No.: 122349.
Equifax Certified Credit Professional
As a certified Equifax member, I can analyze your credit file with greater precision. This helps me better understand what may influence your mortgage options.
20+ Lenders Compared
I have access to multiple traditional, alternative, and private lenders. This allows me to compare different options to find a solution suited to your situation.
The Right Mortgage Solution Isn't Always the Lowest Rate.
It’s the mortgage financing that fits your reality: your income, your credit profile, your long-term goals. As an independent mortgage broker, my role is to understand your situation in depth — not to sell you a generic product. I have access to over 20 lenders, from traditional institutions to private lenders, to find the solution that truly works for you.
A Human, Clear and Personalized Approach
A Human-Centered Approach
I take the time to listen. Every mortgage file is handled with care and attention, from the initial application all the way to signing at the notary.
25 Years of Experience at Your Service
Since 1996, I have been helping clients achieve their real estate goals in Québec. Affiliated with Dominion Lending Centres and accredited by the AMF, I have seen virtually everything — and that makes a real difference.
Solutions for Every Situation
Complex file, non-standard credit, self-employed, bank said no — as a mortgage broker and certified Equifax member, I analyze your situation and access options your financial institution won’t offer you.
A Tailored Approach
No one-size-fits-all solutions. Each client receives a complete analysis of their financial situation and mortgage recommendations tailored to their real objectives.
What Is Your Mortgage Project?
Buying a Home: Mortgage Loan to Purchase a Home
Buying a home is a major milestone. I guide you through securing a first-time buyer mortgage loan, taking into account various factors:
- Pre-qualification: I help you obtain a quick pre-qualification to determine your budget and better target your real estate search.
- Loan option comparison: I don’t just compare mortgage rates. I also examine loan terms, such as refinancing conditions, prepayment options and early closing penalties, to give you a complete picture.
- Refinancing potential: I identify loans that allow for easy refinancing, giving you the flexibility to modify your mortgage as your needs evolve.
- Early closing penalties: I inform you of potential penalties if you decide to close your mortgage before its term. This helps you anticipate costs in the event of resale, transfer or future refinancing.
Real example: I recently helped a first-time buyer choose a loan with flexible prepayment options, allowing them to repay part of their mortgage faster, without penalties.
Mortgage Renewal: Don't Sign Your Bank's First Offer
When your mortgage comes up for renewal, it’s the ideal time to compare mortgage renewal rates. Many homeowners accept their bank’s offer without exploring other options.
- Get a competitive rate: Rates change constantly, and a mortgage renewal can offer you significant savings.
- Reduce monthly payments: By securing a lower rate, you can reduce your monthly payments or shorten your loan term.
- Refinancing opportunity: Mortgage renewal is also an opportunity to consider refinancing to access your home’s equity.
Real example: I helped a client with a $300,000 loan obtain a rate 0.75% lower than what their bank offered, saving them over $20,000.
Mortgage Refinancing and Home Equity
Mortgage refinancing allows you to unlock your home’s equity to finance projects, pay off debt, or invest.
- Refinancing to reduce debt: Convert high-interest debt into a lower-rate mortgage loan.
- Finance projects: Use your equity for renovations, education, or other projects.
- Invest in real estate: Equity can serve as leverage for real estate investments.
Real example: A couple refinanced their home to access $75,000 for energy-efficient renovations while benefiting from a lower rate, reducing their total financing cost.
Reverse Mortgage: A Flexible Solution for Retirees
A reverse mortgage is a financial solution designed for homeowners aged 55 and over, allowing them to convert part of their property’s net value into cash while continuing to live in their home.
- Access capital without selling your property: You receive funds to finance your projects or cover expenses, without having to sell your home.
- No monthly payments required: You make no payments as long as you reside in the property.
- Financial flexibility in retirement: Ideal for supplementing your income or carrying out important projects, such as travelling or helping loved ones.
Real example: I helped a couple access $150,000 through a reverse mortgage, allowing them to fund renovations and travel while keeping their family home.
Alternative Mortgage Loan: A Flexible Solution for Your Specific Needs
An alternative mortgage loan is designed for borrowers who don’t meet traditional bank criteria. It offers a tailored solution to finance your projects.
- Suited to particular situations: Ideal for self-employed individuals, people with low credit scores, or undeclared income.
- Flexible conditions: Various options for down payment, interest rates, and amortization periods.
- Access to specialized lenders: I work with institutions that assess your overall potential rather than limiting themselves to traditional banking standards.
Real example: I helped a self-employed client obtain a $400,000 mortgage loan despite fluctuating income, by partnering with a specialized lender and structuring a flexible down payment.
Private Mortgage Loan: An Option When the Bank Says No
A private mortgage loan can be a temporary solution for a homeowner who needs to act quickly — whether due to a bank refusal, a difficult renewal, a 60-day notice, tax debts, or an urgent need for liquidity.
- Suited to complex situations: Bank refusal, affected credit, payment delays, urgent file, or property with available equity.
- Property-based assessment: The private lender takes into account market value, the mortgage balance, and available equity.
- Clear objective — stabilize the situation: A private loan should be used with a realistic exit strategy.
Real example: A homeowner whose renewal was refused was able to obtain a temporary solution to stabilize their file and prevent the situation from worsening.
Your Mortgage Broker for Every Situation
As an AMF-accredited mortgage broker and certified Equifax member in Montreal, I guide my clients through all mortgage financing needs in Québec.
For standard residential projects — home purchase mortgage loan, mortgage renewal, mortgage refinancing, or equity mortgage loan — I compare offers from over 20 financial institutions to propose what fits your profile.
For more complex files, I specialize in alternative mortgage financing and private mortgage loans. Whether you are self-employed, a newcomer, recovering from bankruptcy or a consumer proposal, or need a first or second-rank private mortgage — I have the connections and expertise to find a solution. Purchase with renovation loans, home equity lines of credit, and debt consolidation mortgage loans are also part of my service offering.
My approach is built on an in-depth analysis of your Equifax credit file, an understanding of your long-term goals, and access to a network of mortgage lenders you won’t find by going directly to your bank.
What My Clients Say
Simple. Transparent. No Surprises.
1 — We Talk
A free consultation to understand your mortgage project, your financial situation, and your questions. No commitment, no fees.
2 — I Analyze and Compare
As a certified Equifax member, I analyze your credit file in depth. I then consult my network of 20+ lenders — banks, credit unions, and private lenders — to identify the mortgage solution best suited to your profile.
3 — We Close Together
I guide you all the way to signing at the notary. Paperwork, negotiations, follow-ups — I handle it all for you.
Frequently Asked Questions About Mortgage Financing
What is a mortgage broker and what is their role?
A mortgage broker is an accredited professional who acts as an intermediary between you and mortgage lenders. Unlike your bank, which only offers its own products, an independent mortgage broker compares offers from multiple institutions — banks, credit unions, private lenders — to find the financing best suited to your situation. Their services are generally free for the borrower.
How much does a mortgage broker cost?
In the vast majority of cases, a mortgage broker’s services are entirely free for the client. The broker is compensated by the lender who wins the contract. In certain specific cases (private financing, very complex files), fees may apply — they will always be communicated clearly from the outset.
Can I get a mortgage after a bankruptcy or consumer proposal?
Yes. Even after a bankruptcy or consumer proposal, it is possible to obtain mortgage financing. Alternative solutions and private lenders offer specific programs for these situations. The waiting period, required down payment, and conditions vary by profile — a free consultation can help evaluate your concrete options.
What is the CHIP Reverse Mortgage and who is it for?
The CHIP Reverse Mortgage is a mortgage financing product designed for homeowners aged 55 and over. It allows you to access up to 55% of your property’s value without making monthly payments, and without having to sell your home. It is a retirement solution to maintain your standard of living by unlocking accumulated equity.
How can a self-employed person get mortgage financing?
Self-employed individuals often have more difficulty obtaining a mortgage from traditional banks, which require stable salaried income. Alternative mortgage financing offers adapted solutions: declared income, gross income, programs without traditional income proof. As a mortgage broker specializing in these files, I identify the lenders best positioned for your profile.
What is the difference between a private mortgage loan and a bank loan?
A private mortgage loan is granted by a private lender (individual or company) rather than a traditional financial institution. It is generally more flexible on eligibility criteria (credit, income, property type), but carries higher interest rates. It can be first or second rank depending on the situation. It is an ideal transitional solution when banks say no.
Personalized Financial Advice
Subscribe to My Financial Focus Newsletter!
Don’t miss any updates on mortgage financing, rates, the economy, and exclusive offers!
Your Mortgage Project Deserves Personalized Attention.
Whether you’re buying, renewing, refinancing, or your situation is more complex — contact me for a free, no-obligation consultation. Together, we’ll find the solution that works for you.