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Our approach

Six things we do our way.

No marketing slogan. Here's concretely how we approach mortgage matchmaking in Quebec — and who our model suits, or doesn't.

We won't claim to be better than everyone. We'll just describe what we do, and let you decide if it fits you.

Six simple principles.

  • We speak Quebec French — authentically

    Funnel, emails, and calls designed in Quebec French, not a literal translation. Our coordinators are local. You don't have to explain what a Desjardins caisse is.

  • We welcome non-standard files

    Self-employed, newcomer, complex refinance, atypical file, separation, retirement: situations where a human who takes the time makes the difference. Each has its own path at Courteo.

  • You speak with a dedicated human

    A Courteo Prêts coordinator calls you within the business day, not a chatbot. Then an AMF-licensed mortgage broker takes your file — named upfront, follow-up guaranteed.

  • We don't display a rate that isn't for you

    We don't do the "starting at X%" that never matches your real file. The broker presents the rate that fits your situation, after real analysis of your file.

  • Your data stays in Quebec

    Hosted in Beauharnois, strict Quebec Law 25 compliance, verifiable consent registry, your access and erasure rights functional. No distributed cloud where you don't know where your info lives.

  • We say openly how we get paid

    You never pay Courteo. We're compensated by the brokerage firms in our network when we send them a qualified file. No hidden commission, no margin on your rate.

Our promise

Whatever your file, we find you the right broker.

Standard, complex, urgent, atypical — our network of AMF mortgage brokers covers every profile. We take the time to understand your situation to connect you with the one who truly fits you.

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