Planiprêt
Planiprêt is a Quebec-based, AMF-regulated mortgage brokerage founded in 2006 that connects residential and commercial borrowers with over 20 lenders and 150+ mortgage products, earning commissions from lenders while providing free advisory services to clients.
- Company typePrivate
- Founded2006
- HeadquartersSaint-eustache, Canada
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Planiprêt does
Planiprêt Cabinet en Courtage Hypothécaire is a Quebec-based, privately held mortgage brokerage firm founded in March 2006 by Gilles Bouillon, a financial services veteran with 34+ years of experience. The company operates as an intermediary between borrowers and a network of more than 20 mortgage lenders offering over 150 distinct mortgage products, generating revenue exclusively through commissions paid by lenders and providing its advisory services free of charge to end clients. Its service portfolio is split into two core lines: Residential (purchase, refinancing, renewal, renovation financing) and Commercial (multi-unit residential, income-producing commercial, industrial, and semi-commercial properties).
The firm is regulated by Quebec's Autorité des marchés financiers (AMF) under the Distribution of Financial Products and Services Act, and serves clients primarily in Quebec, with Ontario referenced in its legal notices. Operationally, Planiprêt runs on a technology stack anchored by Finastra for mortgage preparation and document management, ZOHO (configured as the "Maestro" CRM) for customer relationship management, Twilio for two-factor authentication, and Nylas for email-to-CRM synchronization. The brokerage maintains three role-based portals — broker (Accès courtier), commercial partner (Accès commercial), and client (Accès client) — along with an online quote request system and a set of interactive mortgage calculators. Distribution is driven by a network of licensed in-house mortgage brokers (courtiers) supported by content marketing, social media presence (Facebook, LinkedIn, YouTube), email newsletters, and a broker-locator tool on the company website.
Commercially, Planiprêt monetizes each closed mortgage through lender commissions while incurring client acquisition costs via digital channels and broker network expansion. Customer acquisition runs through both self-serve online quote submissions and high-touch broker-led advisory, with no mobile app or external API offering. The company is founder-led and independent, with no disclosed private equity, venture capital, or institutional ownership.
Planiprêt firmographics
Firmographics- Name
- Planiprêt
- Legal name
- Planiprêt Cabinet en Courtage Hypothécaire
- Website
- https://planipret.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Planiprêt is a Quebec-based, AMF-regulated mortgage brokerage founded in 2006 that connects residential and commercial borrowers with over 20 lenders and 150+ mortgage products, earning commissions from lenders while providing free advisory services to clients.
- Ownership category
- akta.pro rank
Planiprêt industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industries
- Commercial Mortgage Brokerage (FSAEAEAB), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
Keywords
Where Planiprêt is headquartered
LocationHeadquarters
- HQ city
- Saint-eustache
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Planiprêt business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Mortgage Brokerage Commissions: Planiprêt generates revenue through commissions paid by lending institutions (mortgage lenders/banks) for bringing them new mortgage business. The company works with over 20 lenders who compensate the brokerage for bringing new loans, presenting complete documentation for underwriting, and providing advisory services. This model allows the company to offer services free of charge to end clients.
- Commercial Mortgage Brokerage: Revenue generated from commercial mortgage transactions including multi-residential, commercial income, industrial, and semi-commercial property financing, compensated by commercial lenders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Residential mortgage services - free for clients |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Planiprêt product offering
Product offeringCore offering
Planiprêt is a Quebec-based mortgage brokerage that matches residential and commercial borrowers with a network of more than 20 lenders offering over 150 mortgage products. The firm provides advisory, comparison, negotiation, and end-to-end transaction support across purchase, refinance, renewal, and renovation financing, and earns revenue through commissions paid by lending institutions rather than client fees.
Product overview
Planiprêt Cabinet en Courtage Hypothécaire is a Quebec-based mortgage brokerage offering two core service lines: Residential and Commercial mortgage products. The Residential segment covers property purchase (Achat), refinancing (Refinancement), renewal (Renouvellement), and renovation financing (Rénovations). The Commercial segment includes financing for multi-unit residential buildings (Multi-logements), income-producing commercial properties (Commercial à revenu), industrial buildings (Industriel), and semi-commercial properties (Semi-commercial). The company works with over 20 mortgage lenders offering more than 150 different mortgage products. Additional services include mortgage calculators and an online quote request system. The company is regulated by the Autorité des marchés financiers (AMF) under Quebec's distribution of financial products and services act.
Differentiator
Problem solved
Functional benefit
Products and services
- Résidentiel (Residential Mortgage Services) Residential mortgage brokerage covering property purchase, refinancing, renewal, and renovation financing in both fixed and variable rate options, for individual homeowners and homebuyers.
- Achat (Property Purchase Mortgage) Residential mortgage advisory service supporting property acquisition, helping buyers compare lenders, rates, and terms through the Planiprêt broker network.
- Refinancement (Mortgage Refinancing) Mortgage refinancing service allowing homeowners to borrow against property equity up to 80% of property value for projects, debt consolidation, or investment.
- Renouvellement (Mortgage Renewal) Mortgage renewal service helping existing clients switch lenders at term renewal without fees, with access to 20+ lenders to optimize terms and rates.
- Rénovations (Renovation Financing) Renovation financing via mortgage refinancing, allowing homeowners to amortize renovation costs over 10-25 years at mortgage rates rather than personal loan rates.
- Commercial (Commercial Mortgage Services) Commercial mortgage brokerage for business and investment property financing, including multi-unit residential, commercial income, industrial, and semi-commercial properties.
- Multi-logements (Multi-unit Residential Financing) Financing for residential rental properties with 5+ units, available through conventional or CMHC-insured options, financing up to 85% of property value.
- Commercial à revenu (Income-producing Commercial Financing) Financing for commercial income properties, with evaluation criteria including building age, physical condition, rental optimization potential, and tenant lease quality.
- Industriel (Industrial Property Financing) Financing for industrial buildings, with evaluation including location, physical condition, storage and office space, ceiling height, loading docks, garage doors, base rental rates, and existing leases.
- Semi-commercial Financing Financing for semi-commercial buildings where the non-residential portion must not exceed 30% of total gross area and 30% of loan value, eligible for CMHC or conventional financing.
Quantifiable outcome
- Interest savings of approximately 0.50% on a $300,000 mortgage over 25 years can represent $82/month in savings
- +2 more outcomes
Companies that use Planiprêt
Customer profileSegments4 records
Ideal customer profiles3 records
Planiprêt technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Planiprêt partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- FinastracoreTechnology platform used for mortgage preparation and document management, supporting the loan origination process.
- TwiliosupportingCommunications platform used for two-factor authentication (2FA) to secure client accounts and data.
- NylassupportingEmail synchronization service connecting email communications to the Maestro CRM system for client relationship management.
- ZOHOcoreComprehensive CRM platform used for managing customer relationships, sales pipeline, and business operations.
- Google AnalyticssupportingWeb analytics service used to understand how visitors use the website and improve user experience.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Planiprêt competitors and assessment
Company assessmentDirect peers
- TMG The Mortgage Group: Canadian mortgage brokerage network providing brokers with access to multiple institutional, alternative, and private lenders. Directly comparable to Planiprêt's multi-lender panel and broker-supported service model.
- Verico: Canadian mortgage brokerage network offering brokers access to multiple lenders for residential and commercial mortgages. Closely mirrors Planiprêt's multi-lender brokerage model and broker-network distribution approach.
- Mortgage Architects: Canadian mortgage brokerage network supporting independent brokers with access to multiple lenders, technology, and marketing resources. Directly comparable to Planiprêt in network-based mortgage distribution.
- Mortgage Brokers Ottawa (MBO) / multi-broker independents: Independent multi-lender mortgage brokerages in Canada offering residential and commercial mortgage advisory across multiple lender panels. Closely comparable to Planiprêt's service offering and commission-based model.
- Dominion Lending Centres (DLC): Largest Canadian mortgage brokerage network, operating a multi-lender model similar to Planiprêt's, with brokers placing residential and commercial mortgages across Canada. Directly comparable in business model, lender panel approach, and broker-network distribution.
Emerging players
- Ratehub.ca: Canadian mortgage rate comparison and brokerage platform that combines rate-shopping tools with a brokerage arm. Comparable to Planiprêt's online quote form and rate-comparison positioning, though more digitally native.
- LowestRates.ca: Canadian financial product comparison platform with mortgage brokerage capabilities. Overlaps with Planiprêt's rate-shopping value proposition and online quote intake.
- True North Mortgage: Canadian online mortgage brokerage and rate-comparison platform offering direct and broker-channel mortgages. Comparable to Planiprêt's brokerage function with a more tech-forward, low-commission model.
- nesto: Digital-first Canadian mortgage brokerage offering online mortgage applications across multiple lenders. Comparable to Planiprêt in brokerage function but competes via a fully digital model without the human-broker emphasis.
Broad incumbents
- Desjardins Group: Major Quebec-based financial cooperative offering residential and commercial mortgages both directly and through broker channels (Planiprêt is a distribution partner). A broader incumbent that competes with Planiprêt for the same Quebec borrowers and investors.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Planiprêt social profiles
Digital presencePlaniprêt financial estimates
Financial estimateRevenue estimate
Valuation estimate
Planiprêt leadership team
Management profileNumber of profiles
Profiles2 records
Planiprêt funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Planiprêt M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Planiprêt
What does Planiprêt do?
Planiprêt is a Quebec-based mortgage brokerage that matches residential and commercial borrowers with a network of more than 20 lenders offering over 150 mortgage products. The firm provides advisory, comparison, negotiation, and end-to-end transaction support across purchase, refinance, renewal, and renovation financing, and earns revenue through commissions paid by lending institutions rather than client fees.
Is Planiprêt a public or private company?
Planiprêt is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Planiprêt founded?
Planiprêt was founded in 2006. It employs 101 to 250 people.
Where is Planiprêt based?
Planiprêt is headquartered in Saint-eustache, Canada, in the North America region.
How does Planiprêt make money?
Two revenue lines are on record. Mortgage Brokerage Commissions are the primary driver. The others are commercial Mortgage Brokerage.
Who are Planiprêt's main competitors?
Direct peers on record are TMG The Mortgage Group, Verico, Mortgage Architects, Mortgage Brokers Ottawa (MBO) / multi-broker independents and Dominion Lending Centres (DLC). Emerging players are Ratehub.ca, LowestRates.ca, True North Mortgage and nesto. Desjardins Group is listed as a broad incumbent.
Does Planiprêt have an API?
No public API is recorded for Planiprêt.
What industry is Planiprêt in?
Planiprêt's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSAEAEAB, Commercial Mortgage Brokerage. Its NAICS code is 522310 and its SIC code is 6163.