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Refinancing and renewal

A personalized solution

For most people, there is confusion about the concept of refinancing and renewal

Refinancing goes much further in the sense that you can structure your new loan with a lot more flexibility. For example, you can increase the loan amortization, increase the amount of your loan, set up a home equity line of credit or, for example, set up a combo product with a fixed rate tranche and a variable rate tranche.


Refinancing and mortgage renewal

To put it simply, we can summarize the renewal of looking for a bank that offers better rates and to which we will transfer “subrogate” your mortgage.


Discover customized refinancing and renewal solutions.

Renewal before expiry

Refinancing and renewal

On Time Renewal

Refinancing and renewal

Debt consolidation

Refinancing and renewal

Refinancing for Renovation

Refinancing and renewal

Discover our tailor made mortgage refinancing and renewal solutions


We provide answers to your specific needs

Avoid confusion about the notion of refinancing and renewal

Mortgage Line of Credit

Refinancing and renewal

Credit problems

Refinancing and renewal


Refinancing and renewal

Clients satisfaits


Contrats en 2018


ans d'expérience

Real estate investment

Refinancing and renewal


Financial Services

Loan limits

Our brokers




What our clients say about us

Our goal is to provide the best mortgage loans in the Quebec market

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Nous apportons des solutions concrètes à votre situation particulière

Impeccable service and very fast and efficient, everything went according to schedule, a better rate than our financial institution and we had all the explanations between the different offers. We therefore recommend the services of this company.

Vincent | August 09, 2018

I was treated to something out of the ordinary! Professional service, courteous fast and efficient. I recommend this mortgage agency to anyone who wants to have a more than positive financing experience. They take care of us according to our needs and desires. Thank you very much to Fabrice and his team!

Julie Gamache | July 27, 2018

We were directed to Fabrice Menasgé for the purchase of our first property, and we had confidence in him and his company from the start. Listening to our needs he knew how to meet our expectations, advise us and satisfy us entirely. His experimentation, his knowledge and the result of his service allowed us to make this first acquisition in all serenity. Without hesitation I recommend them if you are lost in the choice of your mortgage. Marine and Victor

Marine Compas | May 7, 2018

I did business with Mr. Mesnagé and I can say he was excellent. He understood my needs and advised me very well. He helped me every step of the way and not only was his professionalism very helpful, but he saved me thousands of dollars. I therefore recommend to anyone wishing to obtain excellent service and advice while saving money, to do business with Mr. Mesnagé or a member of his Planiprêt team.

Miguel Valero | March 15, 2018

I had excellent service with Mr. Mesnagé and Ms. Portelance. They are very professional and very efficient. Bravo,! It is certain that I will recommend them with great pleasure. I had an excellent recommendation. Thank you to Mr. Mesnagé and Ms. Portelance!

Emmanuelle Deshaies | February 25, 2018

Absolutely fantastic !! Fabrice Mesnagé is an honest adviser, who takes the time to explain. He loves what he does and we feel it. I will refer it with great pleasure !!

Yannick Cleary | December 11, 2017

Fabrice and Chloé, an extremely efficient team with a courteous and very fast service. A folder ready and tied in 2 weeks! Immediate answers to all questions, unparalleled follow-up.

Jocelyne Chaboudy | November 15, 2017

For several years I have been dealing with the team of Fabrice Ménagé and I have always been treated with respect, I felt listened and accompany all along the process of renewal or purchase of my new property. I highly recommend visiting this team. Thank you again for your help.

Jean-Philippe Cormier | October 15, 2017

Fabrice and Cloé took our case to heart and allowed us to buy our first property with the mortgage most suited to our needs with a very interesting rate. Personalized service and very available to answer our questions.

Jean Donald Georges | August 15, 2017

Ask the advice of our experts

Our brokers are aware of trends and best practices in the real estate market and mortgage financing in particular. Do not wait any longer, our team of seasoned mortgage brokers is there to answer your concerns and assist you in setting up your residential or commercial project.

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millions of dollars of funding to the commercial department in 2018

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