When it comes to buying a home, refinancing an existing mortgage, or accessing your home equity, few things are more important than getting the right mortgage solution. With interest rates, lender criteria, and housing markets constantly evolving, navigating mortgage options alone can be overwhelming. That’s where Mortgage agency services come in.

A mortgage agency acts as a bridge between borrowers and lenders. Rather than dealing with individual banks one by one, you can work with a professional mortgage agency that assesses your needs, compares products from multiple lenders, and secures the best deal for your financial situation.

If you're in Quebec, particularly in Montreal, Groupe Amar is one of the leading names in mortgage agency services, offering expert guidance, bilingual service, and access to more than 90 lenders across Canada.

What Are Mortgage Agency Services?

Mortgage agency services refer to the professional support offered by licensed mortgage brokers and agents who act on your behalf to arrange, negotiate, or renew mortgage loans. These services cover everything from initial consultation and pre-approval to lender negotiations, mortgage funding, and long-term refinancing strategies.

Services include:

• Mortgage pre-approvals

• Purchase financing for homes and condos

• Mortgage renewals and transfers

• Refinancing to access home equity

• Debt consolidation mortgages

• Investment and rental property financing

• Access to private and alternative lending

Agencies like Groupe Amar work with both traditional institutions (banks, credit unions) and alternative lenders (private lenders, MICs) to offer competitive rates and flexible loan structures.

Why Use a Mortgage Agency Instead of Going Directly to a Bank?

You might be wondering why you'd use a mortgage agency instead of walking into your bank. The answer is simple: choice, strategy, and savings.

1. Access to Multiple Lenders

Banks can only offer their own mortgage products. A mortgage agency, on the other hand, shops your application across dozens of lenders, increasing your chances of approval and finding you a better rate or term.

2. Expertise and Strategy

A mortgage broker isn't just finding you a loan—they're building a financial strategy around your goals. Whether you want to pay off debt, build rental income, or reduce your interest costs, an agency can offer tailored guidance.

3. Better Rates and Terms

Due to the volume of business mortgage agencies like Groupe Amar handle, they often receive discounted or preferential rates that individual clients wouldn’t get directly.

4. Save Time and Stress

You provide your documents once, and your broker does the rest. That includes lender communication, paperwork, and negotiating terms on your behalf.

Who Can Benefit From Mortgage Agency Services?

Virtually anyone looking for a mortgage or refinancing option can benefit from working with a mortgage agency. Typical clients include:

• First-time homebuyers looking for pre-approvals and guidance through the buying process

• Homeowners looking to refinance for better rates or to access equity

• Individuals with bad credit, self-employed income, or unique financial profiles who need alternative lending

• Real estate investors financing multiple properties or commercial real estate

• Borrowers renewing or transferring a mortgage who want to avoid loyalty penalties with banks

Whether you’re buying a condo in downtown Montreal or refinancing a suburban duplex in Laval, a mortgage agency can tailor solutions that match your needs.

Key Mortgage Services Offered by Groupe Amar

Operating across Quebec and backed by the Dominion Lending Centres network, Groupe Amar delivers full-service mortgage brokerage with a local touch. Here's an overview of the primary services they offer:

🔹 First-Time Homebuyer Assistance

Navigating CMHC rules, down payment strategies, and stress tests can be tricky. Groupe Amar helps you get pre-approved, understand your limits, and secure competitive rates from reputable lenders.

🔹 Mortgage Refinancing

Whether you’re looking to reduce your rate, change your loan term, or free up cash for renovations or investments, Groupe Amar simplifies the refinancing process.

🔹 Debt Consolidation Mortgages

Use your home equity to pay off high-interest debt—credit cards, lines of credit, and personal loans—at a lower interest rate, helping you improve cash flow and credit score.

🔹 Investment Property Financing

From rental condos to multi-unit dwellings, Groupe Amar helps real estate investors secure smart financing with favorable terms and tax considerations.

🔹 Renewals and Transfers

When your mortgage is up for renewal, Groupe Amar ensures you're not overpaying by shopping around for better rates. Transferring your mortgage to another lender can save you thousands.

🔹 Private and Alternative Lending

Have poor credit or self-employed income? Groupe Amar works with private lenders and alternative funding sources that consider more than just your credit score.

What to Expect When Working With a Mortgage Agency

Here’s a step-by-step breakdown of how mortgage agency services typically work:

1. Initial Consultation – You meet with a mortgage broker to discuss your goals, financial situation, and property plans.

2. Documentation Collection – You’ll provide proof of income, identification, credit authorization, and details of existing debts or properties.

3. Lender Shopping – The broker compares mortgage products across multiple lenders based on your eligibility and preferences.

4. Pre-Approval or Approval – Depending on your needs, you’ll receive a mortgage commitment with fixed or variable terms.

5. Closing Coordination – The broker works with the notary, lender, and other parties to ensure funds are released and documents signed.

6. Post-Closing Support – A good mortgage agency continues to support you through renewals, refinancing, and future financial planning.

Mortgage Tools and Resources

A good mortgage agency also provides helpful tools to make your decisions easier. On Groupe Amar’s website, you’ll find calculators for:

• Mortgage affordability

• Loan comparison

• Payment schedules

• Prepayment analysis

These tools allow you to run simulations and understand the impact of rate changes, amortization periods, and lump sum payments on your loan.

Frequently Asked Questions About Mortgage Agency Services

Q: Do I pay for mortgage agency services in Canada?
A: In most cases, no. Mortgage brokers are paid by the lender once your mortgage closes. For complex or private loans, a small brokerage fee may apply, but it’s always disclosed in advance.

Q: Can I use a mortgage broker even if I have bad credit?
A: Yes. Mortgage brokers often work with alternative and private lenders who look beyond just your credit score and focus on your overall financial picture.

Q: Is it better to use a broker or go through a bank?
A: Brokers give you access to multiple lenders and negotiate on your behalf, offering more flexibility and often better rates than a bank can.

Q: How long does the mortgage approval process take?
A: Depending on your documentation and lender response times, the process can take anywhere from 2 to 10 business days for approval, and another 1–2 weeks to fund.

Why Choose Groupe Amar?

Groupe Amar isn’t just another mortgage broker. As a Quebec-based team with years of experience, they stand out for their:

• Bilingual service (English and French)

• Strong lender network (90+ institutions)

• Client-first approach focused on strategy, not just rates

• Expertise in Quebec law and mortgage practices

• 5-star client reviews for reliability and support

Securing a mortgage is one of the most important financial decisions you’ll make. Instead of navigating it alone, work with professionals who know the ins and outs of lending, negotiation, and home financing.

By using a Mortgage agency services like Groupe Amar, you gain an ally who advocates for your best interest, whether you're purchasing, refinancing, or consolidating debt.