Mortgage Broker

BONSAÏ services financiers

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Yoan Estevez

Over the years, he has managed a significant number of files in collaboration with Dominique and his clients, thereby acquiring the knowledge and experience needed to guide his clients through the purchase of their property.

Yoan's journey began more than seven years ago at one of Canada's largest financial institutions, where he held the position of credit advisor for several years. He then moved into mortgage brokerage, a field in which he has been working for more than five years.

Over the past two years, he has devoted himself to building his own client base and refining his service offering, enabling him to guide his clients with expertise at every stage of a real estate transaction.

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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 October 07, 2026

4.64%

1 year | Closed fixed
Posted rate: 5.49%

4.29%

2 years | Closed fixed
Posted rate: 5.14%

4.39%

3 years | Closed fixed
Posted rate: 6.05%

4.50%

4 years | Closed fixed
Posted rate: 6.09%

4.54%

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

Yoan Estevez profile photo

Yoan Estevez

Mortgage Broker
BONSAÏ services financiers

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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