Mortgage broker · Montréal
Stéphanie NacharMortgage Broker in Montréal
Your key to homeownership, with elegance and confidence.
$30M+ financed in 2025
Club des maîtres member 2025 & 2026
Clients supported across Québec, from first purchase to real estate investment.
About
Personal guidance, every step of the way
I'm Stéphanie Nachar, mortgage broker with Auria. My role is to shop your mortgage across multiple lenders to secure the best rate and terms for your situation.
My services come at no cost to you. Whether you're buying your first home, renewing, or investing in real estate, I guide you with rigour, transparency and care.
— Stéphanie
My values
Caring. Rigorous. Strategic.
My role goes far beyond finding a rate: I'm your trusted partner.
01
Caring
I make financing easy to understand and stay available at every step of your project.
02
Rigorous
Every file is structured with precision, as if it were my own finances.
03
Strategic
I anticipate challenges to get you the best terms, not just a rate.
The same rigour I would apply to my own financial decisions.
— Stéphanie Nachar, Mortgage Broker
Services
Tailored solutions
First-time buyers
For your first purchase in Montréal or elsewhere in Québec, from mortgage pre-approval all the way to getting your keys.
Mortgage renewal
Don't sign without comparing — I negotiate your renewal for you.
Refinancing
Consolidate debt, fund a project or unlock your equity.
Purchase plus improvements
Include renovation costs in your mortgage to create your dream home.
Income properties
Plexes and rental buildings across Québec: financing built for investors.
Self-employed clients
Solutions designed for entrepreneurs and self-employed income.
Why a broker?
The advantage of someone in your corner
01
Access to many lenders
Banks, alternative lenders and institutions: one process, many options.
02
Free service
In most cases, I'm paid by the lender, not by you.
03
Personalized guidance
A strategy built around your goals, clearly explained.
04
Negotiation on your behalf
I advocate for you to get the best possible terms.
Process
Four steps, with peace of mind
Consultation
We discuss your goals, budget and situation.
Pre-approval
I secure a rate and confirm your borrowing capacity.
Shopping the best offers
I compare and negotiate with multiple lenders.
Signing at the notary
You sign with confidence and receive your keys.
Calculator
Estimate your payments
Estimated payment
$2,491
/ monthly
Loan amount : $450,000
Estimate for information purposes only. Does not include mortgage insurance, taxes or fees. Contact me for an accurate calculation.
Testimonials
What my clients say
« Stephanie helped us get approved within a few business days, so we secured the home of our dreams. Transparent and trustworthy. »
« Stephanie is one of the best mortgage brokers in the industry. She answers quickly and fights for her clients. »
« Excellente expérience avec Stéphanie ! Toujours disponible, claire dans les explications et proactive pour trouver les meilleures solutions. Je la recommande sans hésiter. »
FAQ
Frequently asked questions
Are your services really free?+
Yes, in the vast majority of cases. The broker is paid by the lender. Some special situations may involve fees, which are always disclosed in advance.
What is the minimum down payment?+
In Canada, it's 5% on the first $500,000 and 10% on the portion above. Under 20%, mortgage default insurance is required.
When should I start shopping my renewal?+
Ideally 4 to 6 months before your term ends, so we can compare offers and hold a rate.
What is a pre-approval?+
An assessment of your borrowing capacity by a lender, often with a rate hold for a set period.
I'm self-employed — can I get a mortgage?+
Absolutely. Many lenders offer tailored programs. I'll help you prepare the right documents.
Fixed or variable rate?+
It depends on your risk tolerance and plans. We'll review both options together.
Contact
Let's talk about your project
Fill out the form or book a time directly in my calendar.
Book an appointment- Office
- 160 King Street, Suite 510, Montréal, Québec H3C 2P3
- Phone
- 514-293-5542
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