About our firm

MRL COURTIERS HYPOTHECAIRES

Overview

Vos intérêts sont notre priorité ! Telle est notre mission qui, au-delà d’un slogan, constitue notre engagement.
L'équipe MRL met au bénéfice de ses clients son expertise en gestion du passif afin que chacun d’eux puisse optimiser son potentiel financier.
Une démarche réfléchie nous permet d’y arriver.
Notre première responsabilité est l’écoute du client. Cette étape fondamentale conduit à l’évaluation juste de ses besoins et des options possibles. Nos qualifications permettent par la suite de formuler une recommandation et de supporter le client pour sa mise en œuvre.

Le but ultime est une relation de confiance permettant l’accompagnement du client et son adaptation au fil des enjeux et défis de son parcours personnel.

Notre engagement est d’acquérir continuellement les connaissances professionnelles et à intervenir avec transparence et efficacité. Cet engagement et le climat agréable et sympathique dans lequel nous offrons nos services sont les fondations sur lesquelles la relation de confiance avec nos clients se construit.

The role of the mortgage broker

Your mortgage broker will take time to ask questions and discuss your situation so your current and future needs are clear. With a tailored profile, they can advise you realistically and explain how they reached their conclusions—helping you avoid costly surprises.

Your broker is a major asset in your transaction, working with financial institutions to streamline the process and reduce delays and frustration. Because they know each lender’s criteria, they can guide you to the institution offering the best fit for your situation.

Before committing to a mortgage, it is important to understand how it works—fixed vs variable rates, mortgage types, payment frequencies, and possible penalties. Your broker can explain these topics and help you choose an option suited to your reality while saving time and money.

Because they work with many lenders across Canada, your broker has strong negotiating power to obtain competitive rates and terms—aligned with your budget, short- and long-term goals, and lifestyle—without you having to call or visit multiple branches.

Each lender has different underwriting criteria; your project may not fit every institution. Your broker can compare products and solutions suited to your situation without unnecessarily harming your credit score, and advise on improving credit if it is holding you back.

How mortgage brokers are paid

Unlike in-branch mortgage specialists who represent one lender, the mortgage broker is independent—not employed by a financial institution—and has access to products across the brokerage market.

As a borrower, there is no charge to work with a mortgage broker. The broker is compensated by the lender that funds the mortgage.