Financing also requires strategy.
A mortgage is not the last step of a purchase. It is a variable that conditions everything that comes before.
A mortgage is not the last step of a purchase. It is a variable that conditions everything that comes before.
The financial department at NICHÈ enters the transaction from the very first analysis, not to secure a mortgage, but to determine whether the deal makes sense, under what conditions and with what structure.
And if the conditions are not right, we say so.
Treating the mortgage as a formality does not simplify the transaction. It weakens it.
They happen earlier. By failing to analyse real borrowing capacity. By accepting the first bank offer without negotiating. By advancing on a purchase without a clear financial structure. The result is not always a visible problem. Sometimes it is simply a worse mortgage than the one you could have secured.
It is not brokerage. It is financial structuring applied to a real estate decision.
We understand your personal and financial situation and the objectives of the transaction.
We assess income, commitments, available savings and risk profile to determine your real capacity.
We define the mortgage type, term, structure and target conditions.
We present your file to the most suitable lenders and negotiate the conditions.
We present the offers with a comparative analysis so you can decide with full information.
We review the final documentation, coordinate with the notary and accompany you through to signing.
Access to the vast majority of market lenders. With no ties to any.
Access is not the value. Judgement in negotiation is what makes the difference.
Not to limit the search. To focus it.
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