Mortgage Broker

Gila Roy Hypothèques Inc

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Gila Roy

Gila Roy – Mortgage Broker – North Shore of Montreal

With over 4 years of experience as a mortgage broker, I have the privilege of guiding my clients through one of the most important financial decisions of their lives: buying or managing a property. My mission is to provide comprehensive, personalized, and transparent support from start to finish.

I work with a network of more than 20 financial institutions, allowing me to compare a wide range of mortgage products and offer tailored solutions — whether it's for a first-time home purchase, refinancing, mortgage renewal, or navigating a more complex credit situation.

Before entering the mortgage industry, I spent over 20 years in the restaurant business, including several years as a manager and owner. This background has given me strong listening skills, a deep understanding of customer service, and a genuine commitment to the people I work with.

What sets me apart:

A service approach based on trust, financial education, and transparency

Ongoing availability to answer questions — even after your mortgage is approved

A commitment to optimizing every file to match each client's unique needs

Based on the North Shore of Montreal, I proudly serve clients all across Quebec, thanks to the flexibility of remote work. No matter where you are located, I can support you through every step of the mortgage process — efficiently and with ease.

My job isn’t just to get you a rate. It’s to guide you, empower you, and make sure you’re making the best decision for you.

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Our services

Purchase icon

Purchase

Pre-approval icon

Pre-approval

Refinancing icon

Refinancing

Renovation icon

Renovation

Renewal icon

Renewal

Your mortgage broker’s work does not stop once financing is in place—they remain your ally for the entire term. They can help you to

  • Advise on loan changes that could save you money;
  • Help you benefit from in-term promotions;
  • Negotiate your renewal;
  • Plan the purchase of a second home or rental property;
  • Present financing options for upcoming renovations;
  • And much more

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Our mortgage rates*

As of September 25, 2026

4.64%

1 year | Closed fixed
Posted rate: 5.49%

4.29%

2 years | Closed fixed
Posted rate: 4.99%

4.24%

3 years | Closed fixed
Posted rate: 6.05%

4.34%

4 years | Closed fixed
Posted rate: 6.09%

4.39%

5 years | Closed fixed
Posted rate: 6.19%

3.50%

5 years variable | Variable
Posted rate: 4.45%

* Certain conditions may apply. Subject to change without notice. Rates may vary based on the amount borrowed, security offered, or other factors. Please contact your Consortium Hypothécaire partner broker for more details.

Mortgage calculator

Gila Roy profile photo

Gila Roy

Mortgage Broker
Gila Roy Hypothèques Inc

Your mortgage details

Extending your loan to 25 or 30 years could lower your payments. Discuss it with your mortgage broker.
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Disclaimer: Figures shown are estimates for illustration only and are not a final offer. Actual values may vary based on your finances and the lender’s conditions. Your mortgage broker can recommend a solution suited to your situation and needs.

Mortgage summary
Loan insurance premium (down payment  %)
Mortgage amount*
Mortgage payment
Balance at end of mortgage term
Interest paid by end of mortgage term
Principal vs interest
Amortization schedule
Payment period Date Year Interest payment Principal payment Remaining balance

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