{"id":2904,"date":"2025-10-01T13:10:15","date_gmt":"2025-10-01T13:10:15","guid":{"rendered":"https:\/\/alpfinance.ca\/?page_id=2904"},"modified":"2025-10-01T14:33:20","modified_gmt":"2025-10-01T14:33:20","slug":"mortgage","status":"publish","type":"page","link":"https:\/\/alpfinance.ca\/en\/mortgage\/","title":{"rendered":"Mortgage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2904\" class=\"elementor elementor-2904 elementor-2889\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f0451e page-header e-flex e-con-boxed e-con e-parent\" data-id=\"9f0451e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-64c8ea0 e-con-full e-flex e-con e-child\" data-id=\"64c8ea0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b7a61e9 e-con-full e-flex e-con e-child\" data-id=\"b7a61e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc101ad elementor-widget elementor-widget-heading\" data-id=\"bc101ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a22882 page-first-block e-flex e-con-boxed e-con e-parent\" data-id=\"3a22882\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fe3c34a e-con-full e-flex e-con e-child\" data-id=\"fe3c34a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e12f584 elementor-widget elementor-widget-text-editor\" data-id=\"e12f584\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 style=\"text-align: center; margin-bottom: 0;\">A flexible and efficient option for your conventional mortgage financing<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ff782e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6ff782e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We help you obtain a mortgage to finance the purchase of your primary residence, whether it&#8217;s a single-family home or a condo. Our role is to simplify the process while giving you access to the best mortgage rates and mortgage solutions tailored to your needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bc47dc e-con-full e-flex e-con e-child\" data-id=\"6bc47dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8157f90 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"8157f90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;bounceInLeft&quot;,&quot;animation_mobile&quot;:&quot;bounceIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f0680e elementor-widget elementor-widget-image\" data-id=\"9f0680e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/preteur_hypothecaire_alternatif_03-scaled-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-2909\" alt=\"\" srcset=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/preteur_hypothecaire_alternatif_03-scaled-1-1024x683.jpg 1024w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/preteur_hypothecaire_alternatif_03-scaled-1-300x200.jpg 300w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/preteur_hypothecaire_alternatif_03-scaled-1-768x512.jpg 768w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/preteur_hypothecaire_alternatif_03-scaled-1-1536x1025.jpg 1536w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/preteur_hypothecaire_alternatif_03-scaled-1-2048x1366.jpg 2048w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/preteur_hypothecaire_alternatif_03-scaled-1-450x300.jpg 450w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0488a83 e-con-full alp-title-spacing e-flex e-con e-child\" data-id=\"0488a83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-490059a elementor-widget elementor-widget-text-editor\" data-id=\"490059a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" style=\"font-weight: 400;\" contenteditable=\"true\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"\u00c9crivez ici...\">What is a conventional mortgage?<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-974a2fb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"974a2fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\">Conventional residential mortgage<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Rate: Fixed or variable<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Open or closed<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Amortization: Up to 25 years, sometimes up to 30 years<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Down payment: Starting at 5% depending on the value of the property and loan insurance<p><br \/>A regular mortgage is ideal for buyers who want a clear financing solution for their primary residence. We work with various mortgage lenders and banks to compare terms and conditions.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-828adcb e-con-full e-flex e-con e-child\" data-id=\"828adcb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0e136c3 e-con-full e-flex e-con e-child\" data-id=\"0e136c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d31fb4 alp-title elementor-widget elementor-widget-text-editor\" data-id=\"2d31fb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"margin-bottom: 35px;\">Rate and term options<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03d69a4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"03d69a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"57\" data-end=\"73\"><strong data-start=\"57\" data-end=\"71\">Fixed Rate<\/strong><\/p><ul data-start=\"74\" data-end=\"199\"><li data-start=\"74\" data-end=\"123\"><p data-start=\"76\" data-end=\"123\">Identical payments throughout the entire term<\/p><\/li><li data-start=\"124\" data-end=\"199\"><p data-start=\"126\" data-end=\"199\">Ideal for borrowers seeking stability and with a low tolerance for risk<\/p><\/li><\/ul><p data-start=\"201\" data-end=\"220\"><strong data-start=\"201\" data-end=\"218\">Variable Rate<\/strong><\/p><ul data-start=\"221\" data-end=\"440\"><li data-start=\"221\" data-end=\"293\"><p data-start=\"223\" data-end=\"293\">Payments may fluctuate based on market conditions and interest rates<\/p><\/li><li data-start=\"294\" data-end=\"440\"><p data-start=\"296\" data-end=\"440\">Suitable for borrowers comfortable with the risk of potential rate increases, with a moderate or high tolerance for interest rate fluctuations<\/p><\/li><\/ul><p data-start=\"442\" data-end=\"461\"><strong data-start=\"442\" data-end=\"459\">Open Mortgage<\/strong><\/p><ul data-start=\"462\" data-end=\"696\"><li data-start=\"462\" data-end=\"492\"><p data-start=\"464\" data-end=\"492\">Flexible repayment options<\/p><\/li><li data-start=\"493\" data-end=\"523\"><p data-start=\"495\" data-end=\"523\">Faster principal reduction<\/p><\/li><li data-start=\"524\" data-end=\"696\"><p data-start=\"526\" data-end=\"696\">Any additional amount paid goes directly toward reducing the principal balance. The lower the principal, the less interest you pay, which further accelerates repayment.<\/p><\/li><\/ul><p data-start=\"698\" data-end=\"719\"><strong data-start=\"698\" data-end=\"717\">Closed Mortgage<\/strong><\/p><ul data-start=\"720\" data-end=\"783\"><li data-start=\"720\" data-end=\"743\"><p data-start=\"722\" data-end=\"743\">Often the best rate<\/p><\/li><li data-start=\"744\" data-end=\"783\"><p data-start=\"746\" data-end=\"783\">Penalties apply for early repayment<\/p><\/li><\/ul><p data-start=\"785\" data-end=\"899\">Our internal mortgage calculators help you estimate your payments, your amortization period, and the total cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a59a86 e-con-full mbzero   e-flex elementor-invisible e-con e-child\" data-id=\"1a59a86\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8388733 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"8388733\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29eeaf6 elementor-widget elementor-widget-text-editor\" data-id=\"29eeaf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4 data-start=\"53\" data-end=\"70\"><strong data-start=\"53\" data-end=\"68\">Eligibility<\/strong><\/h4><ul data-start=\"71\" data-end=\"342\"><li data-start=\"71\" data-end=\"125\"><p data-start=\"73\" data-end=\"125\">Minimum down payment of 5% for a primary residence<\/p><\/li><li data-start=\"126\" data-end=\"194\"><p data-start=\"128\" data-end=\"194\">Mortgage insurance required if the down payment is less than 20%<\/p><\/li><li data-start=\"195\" data-end=\"231\"><p data-start=\"197\" data-end=\"231\">Assessment of repayment capacity<\/p><\/li><li data-start=\"232\" data-end=\"299\"><p data-start=\"234\" data-end=\"299\">Verification of income (salaried, self-employed, rental income)<\/p><\/li><li data-start=\"300\" data-end=\"342\"><p data-start=\"302\" data-end=\"342\">Credit history and financial stability<\/p><\/li><\/ul><h4 data-start=\"344\" data-end=\"361\"><strong data-start=\"344\" data-end=\"359\"><br \/>The Process<\/strong><\/h4><ul data-start=\"362\" data-end=\"638\"><li data-start=\"362\" data-end=\"436\"><p data-start=\"364\" data-end=\"436\">Pre-approval to determine your borrowing amount and estimated payments<\/p><\/li><li data-start=\"437\" data-end=\"466\"><p data-start=\"439\" data-end=\"466\">Confident property search<\/p><\/li><li data-start=\"467\" data-end=\"521\"><p data-start=\"469\" data-end=\"521\">Accepted purchase offer and financing confirmation<\/p><\/li><li data-start=\"522\" data-end=\"581\"><p data-start=\"524\" data-end=\"581\">Review, appraisal, and documents required by the lender<\/p><\/li><li data-start=\"582\" data-end=\"638\"><p data-start=\"584\" data-end=\"638\">Signing at the notary\u2019s office and fund disbursement<\/p><\/li><\/ul><h4 data-start=\"640\" data-end=\"664\"><strong data-start=\"640\" data-end=\"662\"><br \/>Required Documents<\/strong><\/h4><ul data-start=\"665\" data-end=\"903\"><li data-start=\"665\" data-end=\"693\"><p data-start=\"667\" data-end=\"693\">Identification documents<\/p><\/li><li data-start=\"694\" data-end=\"796\"><p data-start=\"696\" data-end=\"796\">Proof of income (pay stubs, T4 slips, notice of assessment, financial statements if self-employed)<\/p><\/li><li data-start=\"797\" data-end=\"855\"><p data-start=\"799\" data-end=\"855\">Proof of down payment (bank statements or gift letter)<\/p><\/li><li data-start=\"856\" data-end=\"903\"><p data-start=\"858\" data-end=\"903\">Purchase agreement and property description<\/p><\/li><\/ul><h4 data-start=\"905\" data-end=\"926\"><strong data-start=\"905\" data-end=\"924\"><br \/>Costs to Expect<\/strong><\/h4><ul data-start=\"927\" data-end=\"1164\"><li data-start=\"927\" data-end=\"972\"><p data-start=\"929\" data-end=\"972\">Mortgage payment (principal and interest)<\/p><\/li><li data-start=\"973\" data-end=\"1003\"><p data-start=\"975\" data-end=\"1003\">Municipal and school taxes<\/p><\/li><li data-start=\"1004\" data-end=\"1087\"><p data-start=\"1006\" data-end=\"1087\">Home insurance and mortgage loan insurance if the down payment is less than 20%<\/p><\/li><li data-start=\"1088\" data-end=\"1126\"><p data-start=\"1090\" data-end=\"1126\">Notary fees, inspection, appraisal<\/p><\/li><li data-start=\"1127\" data-end=\"1164\"><p data-start=\"1129\" data-end=\"1164\">Land transfer tax (\u201cwelcome tax\u201d)<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d76332f e-con-full alp-title e-flex e-con e-child\" data-id=\"d76332f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f24fd8 elementor-widget elementor-widget-text-editor\" data-id=\"3f24fd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"text-align: center;\"><b>FAQ<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dcad54 alp-faq elementor-invisible elementor-widget elementor-widget-n-accordion\" data-id=\"4dcad54\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:200,&quot;sizes&quot;:[]},&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8150\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8150\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What's the minimum down payment? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8150\" class=\"elementor-element elementor-element-cc3a117 e-con-full e-flex e-con e-child\" data-id=\"cc3a117\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8150\" class=\"elementor-element elementor-element-30f7176 e-con-full e-flex e-con e-child\" data-id=\"30f7176\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b390149 elementor-widget elementor-widget-text-editor\" data-id=\"b390149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The minimum down payment starts at 5% of the purchase price, depending on the value of the property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8151\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8151\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does it work for a home valued at $500,000 or less? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8151\" class=\"elementor-element elementor-element-3f5b677 e-con-full e-flex e-con e-child\" data-id=\"3f5b677\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8151\" class=\"elementor-element elementor-element-d86a567 e-con-full e-flex e-con e-child\" data-id=\"d86a567\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70e1b8d elementor-widget elementor-widget-text-editor\" data-id=\"70e1b8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You should plan on at least 5% of the purchase price. For example, for a $400,000 home, the minimum down payment would be $20,000.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8152\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8152\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What if the property costs between $500,000 and $999,999? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8152\" class=\"elementor-element elementor-element-6f2a698 e-con-full e-flex e-con e-child\" data-id=\"6f2a698\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8152\" class=\"elementor-element elementor-element-5672c29 e-con-full e-flex e-con e-child\" data-id=\"5672c29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc7789c elementor-widget elementor-widget-text-editor\" data-id=\"dc7789c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The down payment is calculated in two parts:<br \/><br \/><\/p><ul><li>5% on the first $500,000;<\/li><li>10% on the portion of the price that exceeds $500,000.<br \/><br \/><\/li><\/ul><p>Example: for a house priced at $700,000, the minimum down payment is $45,000 ($25,000 on $500,000 + $20,000 on the $200,000 portion).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8153\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8153\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What about properties valued at $1,000,000 or more? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8153\" class=\"elementor-element elementor-element-9cd6862 e-con-full e-flex e-con e-child\" data-id=\"9cd6862\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8153\" class=\"elementor-element elementor-element-f66aed6 e-con-full e-flex e-con e-child\" data-id=\"f66aed6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-836ec1d elementor-widget elementor-widget-text-editor\" data-id=\"836ec1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In this case, the minimum down payment is 20% of the purchase price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8154\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8154\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need insurance if I put down less than 20%? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8154\" class=\"elementor-element elementor-element-7cf9941 e-con-full e-flex e-con e-child\" data-id=\"7cf9941\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8154\" class=\"elementor-element elementor-element-d5e4005 e-con-full e-flex e-con e-child\" data-id=\"d5e4005\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6511579 elementor-widget elementor-widget-text-editor\" data-id=\"6511579\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Mortgage insurance is mandatory for any down payment of less than 20%. This insurance, offered by CMHC, protects the lender in the event of default and its cost is added to the mortgage amount.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8155\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8155\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between a fixed rate and a variable rate? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8155\" class=\"elementor-element elementor-element-6b32f3b e-con-full e-flex e-con e-child\" data-id=\"6b32f3b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8155\" class=\"elementor-element elementor-element-88769f0 e-con-full e-flex e-con e-child\" data-id=\"88769f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f08bc02 elementor-widget elementor-widget-text-editor\" data-id=\"f08bc02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"53\" data-end=\"175\">A fixed rate guarantees constant payments. A variable rate may change depending on market conditions and interest rates.<\/p><p data-start=\"53\" data-end=\"175\">\u00a0<\/p><p data-start=\"177\" data-end=\"208\"><strong data-start=\"177\" data-end=\"206\">Example with a Fixed Rate<\/strong><\/p><ul data-start=\"209\" data-end=\"302\"><li data-start=\"209\" data-end=\"238\"><p data-start=\"211\" data-end=\"238\">Mortgage amount: $700,000<\/p><\/li><li data-start=\"239\" data-end=\"256\"><p data-start=\"241\" data-end=\"256\">Term: 5 years<\/p><\/li><li data-start=\"257\" data-end=\"283\"><p data-start=\"259\" data-end=\"283\">Amortization: 25 years<\/p><\/li><li data-start=\"284\" data-end=\"302\"><p data-start=\"286\" data-end=\"302\">Fixed rate: 5%<\/p><\/li><\/ul><p data-start=\"304\" data-end=\"453\">The monthly payment would be about <strong data-start=\"339\" data-end=\"349\">$1,745<\/strong>. This amount would remain the same each month for the entire term, regardless of market fluctuations.<\/p><p data-start=\"304\" data-end=\"453\">\u00a0<\/p><p data-start=\"455\" data-end=\"489\"><strong data-start=\"455\" data-end=\"487\">Example with a Variable Rate<\/strong><\/p><ul data-start=\"490\" data-end=\"596\"><li data-start=\"490\" data-end=\"519\"><p data-start=\"492\" data-end=\"519\">Mortgage amount: $700,000<\/p><\/li><li data-start=\"520\" data-end=\"537\"><p data-start=\"522\" data-end=\"537\">Term: 5 years<\/p><\/li><li data-start=\"538\" data-end=\"564\"><p data-start=\"540\" data-end=\"564\">Amortization: 25 years<\/p><\/li><li data-start=\"565\" data-end=\"596\"><p data-start=\"567\" data-end=\"596\">Initial variable rate: 4.5%<br \/><br \/><\/p><\/li><\/ul><p data-start=\"598\" data-end=\"654\">The initial monthly payment would be about <strong data-start=\"641\" data-end=\"651\">$1,667<\/strong>.<br \/><br \/><\/p><ul data-start=\"656\" data-end=\"827\"><li data-start=\"656\" data-end=\"742\"><p data-start=\"658\" data-end=\"742\">If the rate increases to 5.5%, the monthly payment would rise to about <strong data-start=\"729\" data-end=\"739\">$1,834<\/strong>.<\/p><\/li><li data-start=\"743\" data-end=\"827\"><p data-start=\"745\" data-end=\"827\">If the rate decreases to 4%, the monthly payment would drop to about <strong data-start=\"814\" data-end=\"824\">$1,578<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8156\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8156\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I repay my mortgage before the due date? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8156\" class=\"elementor-element elementor-element-60c3603 e-con-full e-flex e-con e-child\" data-id=\"60c3603\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8156\" class=\"elementor-element elementor-element-d0cb508 e-con-full e-flex e-con e-child\" data-id=\"d0cb508\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ea7d93 elementor-widget elementor-widget-text-editor\" data-id=\"2ea7d93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes, it is possible to pay off your mortgage before the end of your term, but the conditions vary depending on the type of mortgage you have.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8157\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8157\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long does a mortgage pre-approval last? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8157\" class=\"elementor-element elementor-element-9769a4d e-con-full e-flex e-con e-child\" data-id=\"9769a4d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8157\" class=\"elementor-element elementor-element-26177d3 e-con-full e-flex e-con e-child\" data-id=\"26177d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8040366 elementor-widget elementor-widget-text-editor\" data-id=\"8040366\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In general, pre-approval is valid for a period of 90 to 120 days (approximately 3 to 4 months), depending on the financial institution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4b1e02 e-con-full e-flex e-con e-child\" data-id=\"b4b1e02\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d582bbc e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"d582bbc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6a1a16 elementor-widget elementor-widget-image\" data-id=\"d6a1a16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/transfert_hypothecaire_01-scaled-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-2911\" alt=\"\" srcset=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/transfert_hypothecaire_01-scaled-1-1024x683.jpg 1024w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/transfert_hypothecaire_01-scaled-1-300x200.jpg 300w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/transfert_hypothecaire_01-scaled-1-768x512.jpg 768w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/transfert_hypothecaire_01-scaled-1-1536x1025.jpg 1536w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/transfert_hypothecaire_01-scaled-1-2048x1366.jpg 2048w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/10\/transfert_hypothecaire_01-scaled-1-450x300.jpg 450w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57d310a e-con-full alp-title-spacing animated-fast e-flex elementor-invisible e-con e-child\" data-id=\"57d310a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_mobile&quot;:&quot;zoomIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b598c86 elementor-widget elementor-widget-text-editor\" data-id=\"b598c86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" style=\"font-weight: 400;\" contenteditable=\"true\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"\u00c9crivez ici...\">Why work with us?<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c18e704 elementor-widget__width-initial mbzero elementor-widget elementor-widget-text-editor\" data-id=\"c18e704\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Access to multiple lenders and competitive mortgage rates<\/li><li>Impartial advice tailored to your situation<\/li><li>Personalized support throughout the process<\/li><li>Experienced mortgage brokers to guide you<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-933229c elementor-widget elementor-widget-button\" data-id=\"933229c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a mortgage advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A flexible and efficient option for your conventional mortgage financing We help you obtain a mortgage to finance the purchase of your primary residence, whether it&#8217;s a single-family home or a condo. Our role is to simplify the process while giving you access to the best mortgage rates and mortgage solutions tailored to your needs. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2904","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/comments?post=2904"}],"version-history":[{"count":11,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2904\/revisions"}],"predecessor-version":[{"id":2924,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2904\/revisions\/2924"}],"wp:attachment":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/media?parent=2904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}