Mortgage financing solutions tailored to your situation
Bank refusal, debts to consolidate, a 60-day notice or a need for funds: each situation calls for a different solution. Here are the services FERRES–Solutions Financières offers in Quebec.
Private first mortgage
First-ranking financing based on the value of your property, worth considering when the bank turns down your file or time is short.
Learn about private mortgages →Private second mortgage
Access part of your home equity without touching your first mortgage. Often quicker to set up than a full refinance.
Learn about private second mortgages →Debt consolidation
Combine your high-interest debts into a single monthly payment that may be lighter. An option to assess based on your budget and your equity.
Learn more about debt consolidation →Mortgage refinancing
Renegotiate your mortgage to revisit your rate, unlock part of your equity or consolidate your debts.
Learn about mortgage refinancing →Bank notice / 60-day notice
Received a prior notice of the exercise of a hypothecary right? We quickly review the financing options that could resolve the situation.
Learn more about the 60-day notice →Urgent funding & emergencies
Unpaid income tax, municipal taxes, tax debts: structured solutions based on your property's value to help you regain control.
Explore urgent funding solutions →Which solution fits your situation?
- Your bank turned down your application: a private mortgage looks mainly at the value of the property.
- You want to keep your current mortgage: a second mortgage uses your equity without breaking your loan.
- You have several high-interest debts: debt consolidation combines them into a single payment.
- You want to revisit your terms or unlock equity: see mortgage refinancing.
- You've received a prior notice of exercise: see our page on the 60-day notice.
- Income tax, property taxes or an urgent expense: see urgent funding.
FERRES serves homeowners across Quebec: see private mortgage financing in Quebec and our areas served.
Not sure which option applies? That's normal: the review is there precisely to compare the possible options. Apply for free or use our calculator for a first estimate.