What exactly is Courteo?

A Quebec technology platform. Courteo is not a brokerage — it handles introduction and follow-up of your file with AMF-licensed brokers (either an in-house brokerage of the Courteo group, or an independent partner brokerage). In practice: we qualify your file in minutes (form + a human callback), pick the most fitting broker from the Courteo network, and follow through to mandate signature. The broker takes it from there: they negotiate with lenders and sign.

Is it really free for me?

Yes, fully. The mortgage broker is paid by the lender (the bank) at funding — that's industry standard. Courteo collects a share of that broker fee. You never pay Courteo or the broker directly.

Why not go straight to my bank?

Your bank sells its own products. An AMF-licensed broker shops a dozen lenders (banks, credit unions, alternative lenders) and negotiates for you. Particularly useful for renewals, refinancing, and non-standard files.

How long do you keep my data?

As long as your file is active with the referred broker, plus 24 months for compliance (Quebec privacy law and the broker's AMF obligations). You can request erasure anytime via rprp@courteo.ca — we respond within 30 days.

Which AMF brokers are in your Courteo network?

Two types, all AMF-licensed: (1) independent Quebec partner brokerages — recruited one at a time on quality criteria (response speed, close rate, client satisfaction), and (2) an in-house brokerage of the Courteo group. You receive the name and AMF license number of the broker referred before their first call — you always know who's talking to you.

What if it doesn't click with the broker?

Tell us — we re-match you with another broker without redoing the form, or we stop there if you prefer. No obligation, no penalty.

Quebec mortgage matchmaking

The right broker for your file. Not the catchy rate online.

2 minutes now. A coordinator calls you back the same business day. An AMF-licensed broker from the Courteo network takes it from there. We follow the file through to signature.

Start my file (3 questions)Request a callback

$0
Cost to you
↺
No commitment
🇨🇦
Data in Canada · Quebec law

Brokers in our network shop with

RBC
TD
Scotia
BMO
CIBC
Nationale
Desjardins
MCAP
FNF
Equitable
Home Trust
Manulife
Tangerine
Laurentienne
B2B
iA

Indicative list — the referred broker identifies which lenders are accessible based on your file. All names are trademarks of their respective owners.

Quick estimate

How much can I borrow?

Indicative estimate using Canadian rules (GDS 39% / TDS 44%, stress test 5.25%). No rate offer is shown — your AMF-licensed broker will refine based on your full file.

Household annual gross income$85,000

Down payment available$50,000

Monthly debts (cards, lines, car loans)$400

Condo (with monthly fees)

Approximate max price

$427,000

Estimated monthly payment

$2,259 / month

Start my file (3 questions)

Estimate for guidance only, does not constitute a pre-approval letter or loan offer. The final assessment depends on the full file (credit, employment history, lender, etc.) and remains at the broker's discretion.

What's your project?

Three doors in — one human walking you through.

We don't ask 30 questions before figuring out what you need. Pick the one that sounds like your situation.

How it works

Four steps. No surprises.

No algorithm sorting you into a bucket, no automatic redirect. Two humans between you and your loan: a coordinator, then a broker.

1
You answer 3 questions
2 minutes. No SIN, no precise credit score, no exact income. Ranges to start the conversation.
2
A coordinator calls you
Same business day. We clarify your situation, constraints, deadline. The call is recorded with bilingual notice; data stays in Canada.
3
Matched with a broker
We pick a broker from our Courteo network who matches your file — type of financing, geography, availability. You get their name and license number before the first call.
4
The broker signs the mandate with you
They (and only they) present products, negotiate, sign. Courteo steps out — except to put you back in touch with someone else if it doesn't click.

Want to know more? How we approach matchmaking →

No fluff

Four things we commit to.

No marketing promise. Here's what's true for every file we handle, without exception.

AMF license checked every month
We check every month that the broker's license is still valid via the public AMF registry. If a broker loses their right to practice, they leave our network immediately. You never reach an unregistered broker.
We connect you, you stay in control
Connection with a broker in our network who matches your project (renewal, purchase, atypical file…), your region, and their availability. If it doesn't click, you ask for another broker or stop everything — no charges, no questions.
Free for you
You never pay Courteo. We get compensated by the brokerage firms in our network when we send them a qualified file — that's their business. You save your energy for what really matters: the solution the broker will propose.
We follow your file until signing
Once the connection is made, we don't disappear. We keep an eye on your file and step in if something gets stuck (broker not calling back, missing document). You also have your own online space to track progress.

What we're really good at

AMF brokers in the Courteo network know these files in depth.

Your file falls outside the standard boxes? That's exactly why we built Courteo.

Start my file (3 questions)

Our transparency promise

Courteo is not a mortgage brokerage. It is a technology platform that handles introduction and follow-up of your file with an AMF-licensed broker — either an in-house brokerage of the Courteo group, or an independent partner brokerage. That broker remains solely responsible for advice and product offers.

Frequently asked

What exactly is Courteo?
A Quebec technology platform. Courteo is not a brokerage — it handles introduction and follow-up of your file with AMF-licensed brokers (either an in-house brokerage of the Courteo group, or an independent partner brokerage). In practice: we qualify your file in minutes (form + a human callback), pick the most fitting broker from the Courteo network, and follow through to mandate signature. The broker takes it from there: they negotiate with lenders and sign.
Is it really free for me?
Yes, fully. The mortgage broker is paid by the lender (the bank) at funding — that's industry standard. Courteo collects a share of that broker fee. You never pay Courteo or the broker directly.
Why not go straight to my bank?
Your bank sells its own products. An AMF-licensed broker shops a dozen lenders (banks, credit unions, alternative lenders) and negotiates for you. Particularly useful for renewals, refinancing, and non-standard files.
How long do you keep my data?
As long as your file is active with the referred broker, plus 24 months for compliance (Quebec privacy law and the broker's AMF obligations). You can request erasure anytime via rprp@courteo.ca — we respond within 30 days.
Which AMF brokers are in your Courteo network?
Two types, all AMF-licensed: (1) independent Quebec partner brokerages — recruited one at a time on quality criteria (response speed, close rate, client satisfaction), and (2) an in-house brokerage of the Courteo group. You receive the name and AMF license number of the broker referred before their first call — you always know who's talking to you.
What if it doesn't click with the broker?
Tell us — we re-match you with another broker without redoing the form, or we stop there if you prefer. No obligation, no penalty.

Ready to start?

2 minutes now, a human callback the same business day. No commitment.