Finance your property with ease
Our experts will work with you to get the best mortgage rate, cover your risks, and optimize your taxation.
1st meeting free of charge and without obligation
Why work with a mortgage broker?
Thanks to the various agreements established with the major financial institutions, Strike allows you to:
- Obtain the best offers: by processing a large volume of projects and having access to all the offers available on the market.
- Optimize your taxation: by carrying out a precise analysis of your situation.
- Save time: by centralizing all your requests with a single contact throughout the whole process.
How to proceed?
1Meeting with your expertDuring the initial meeting with your Strike advisor, he or she carries out a global analysis of your situation and your property purchase plans in order to better understand your needs, all free of charge and without obligation.
2Preparation of your fileWe put together your file with the documents provided in order to proceed with the financing applications.
3Search for financing and risk analysisYour advisor conducts a thorough search for the best solution among all the offers available on the market. He or she then carries out a comprehensive risk analysis, taking into consideration your current and future situation and assessing the impact of your purchase on your financial situation.
4Obtaining your financingTogether, we validate the solutions chosen for your financing, your amortization, and your risk coverage. Your Strike advisor handles the administrative aspects of your file while being available to answer any questions you might have.
Would you like to get expert advice on your financial situation or project?
Your first meeting is free of charge and without obligation
Frequently Asked Questions
Strike answers all your questions about financing, property acquisition, and our services.
1Is it possible to buy a property with less than 20% equity?
Yes, depending on the financial capacity it is possible to bring in less than 20% of equity. A contribution of only 10% may be sufficient if the buyer provides additional collateral to the lending institution such as pension fund assets, 3rd pillar A assets, or surrender values from life insurance policies. However, the 10% equity capital must not come from the 2nd pillar.
2Am I required to withdraw my 2ᵉ pillar (pension fund) to purchase a property?
If your financial capacity allows it, it is possible to pledge your pension fund. In this case, you do not have to withdraw it and do not have to pay tax on the capital. This solution also allows you to keep your pension capital and risk coverage intact.
3Is it possible to find financing if my charges exceed 33% of my income?
Yes, it is possible to find financing if your expenses exceed 33% of your income. For the same financial situation, not all institutions take the same parameters into account when calculating the granting of a loan. This can have a significant impact on the cost/income ratio. As each situation is unique, we recommend that you seek an expert’s advice to help you make the right decision.
4Should the interest rate be the main factor when choosing my mortgage?
The interest rate of the mortgage is often considered the most important parameter in the choice of mortgage and financial institution, but it is far from being the only one. Some institutions will be able to lend you more than others, some will allow you to amortize a smaller part of the mortgage, others will not penalize you if you terminate early (in case of a resale for example). The lowest rate is therefore not always the best deal and you should consider your options carefully before making a decision that will bind you for many years to come.