What Multi - Prêts Hypothèques does

Multi-Prêts Hypothèques (operating as Multi-Prêts Mortgages) is a Canadian mortgage brokerage network founded in 1982 in Montreal, Quebec, and operating as a subsidiary of M3 Group (Groupe M3). The company operates a hybrid distribution model: a digital self-serve front end (5-minute online pre-qualification, mortgage calculators, online application, find-a-broker locator) feeds a national network of 6,300 independent, commission-based mortgage brokers (500 in Quebec), who submit client files to a panel of more than 35 Canadian lenders including banks, virtual lenders such as First National Financial and MCAP, and private mortgage insurers such as Genworth Canada and Canada Guaranty. Multi-Prêts connects borrowers to approximately 200 mortgage products across purchase, refinance, renewal, transfer, reverse mortgage, home equity lines of credit, and commercial financing use cases, and targets first-time home buyers, newcomers to Canada, self-employed workers, real estate investors, refinancing homeowners, and clients with impaired credit.

The company operates a proprietary broker technology stack, including the BOSS platform for transaction and compensation management, the Filogix Expert system for direct file submission to lender analysts, the PAP (Plateforme d'Accès aux Prêteurs) lender-access platform for non-accredited submissions, the Rate Decision Grid (Grille de taux) as a cross-lender rate aggregation tool, the iPap tracking system, the LOGIC file-administration and compliance system, and a CRM, complemented by per-broker personalized micro-sites hosted on the corporate domain. An exclusive SimplAssur insurance partnership distributes mortgage life, disability, home, and auto coverage through the broker channel, and free educational workshops plus a multi-channel content marketing operation (newsletters, blog, calculator suite, PR in Quebec media) drive top-of-funnel demand.

Multi-Prêts is paid primarily through finder's fees (commissions) from financial institutions on closed mortgage files, with the service offered at no cost to residential mortgage clients; secondary revenue comes from insurance commissions on SimplAssur products. The business is privately held, headquartered at 525 Avenue Viger West, Montreal, with 65% Canadian brand recognition per IPSOS-Reid, six consecutive Consumer Choice Awards from 2011 to 2016, and a 95% client recommendation rate reported for 2020–2021.

Name

Multi - Prêts Hypothèques

Legal name

Multi-Prêts Hypothèques

Website

https://multi-prets.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Multi-Prêts Hypothèques is a Canadian mortgage brokerage network that connects individual borrowers to 35+ lenders through 6,300 independent brokers across Canada, earning lender-paid commissions on closed mortgage transactions.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

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

Wholesale Mortgage Broker Networks / Master Brokers (FSALABAC), Commercial Mortgage Brokerage (FSAEAEAB), Reverse Mortgage Brokers (FSALABAD)

Keywords

• Mortgage brokerage
• Residential mortgages
• Commercial financing
• Mortgage refinancing
• Mortgage renewal

Headquarters

HQ city

Kirkland

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Broker Commission (Finder's Fee): Financial institutions pay a finder's fee for every mortgage loan request transmitted and closed at the notary's office. This is the primary revenue stream and makes the service free for residential mortgage clients.
2. Insurance Commission: Brokers earn yearly sales commissions on insurance products (SimplAssur mortgage protection insurance) when customers accept the insurance offer during the brokerage contract process.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Multi-Prêts Hypothèques operates a Canada-wide mortgage brokerage network of 6,300 independent brokers who negotiate residential and commercial mortgages on behalf of clients with more than 35 financial institutions. Services include mortgage purchase, refinancing, renewal, transfer, and commercial financing, along with a complementary SimplAssur insurance program. The brokerage service is provided free to residential mortgage clients, with revenue earned through lender commissions.

Product overview

Multi-Prêts Hypothèques is a mortgage broker network operating as a unified platform connecting borrowers with over 20 financial institutions. The core offering is mortgage brokerage services (purchase, refinance, renewal, transfer, commercial), supported by exclusive insurance products (SimplAssur/Simplinsur) and a comprehensive suite of internal broker tools including the BOSS platform for transaction management, Filogix Expert for lender submissions, a decision support rate grid, and various mortgage calculators. The company provides brokers with proprietary systems for client management, file tracking, and lender communication, while offering consumers free educational workshops and online pre-qualification tools. Access extends to approximately 200 products from 20 financial institutions across Canada.

Differentiator

Problem solved

Functional benefit

Brands

• SimplAssur: Exclusive insurance program offered to mortgage customers of Multi-Prêts brokers, providing life and home/auto insurance alongside mortgage financing.
• BOSS Platform
• Simplinsur

Products and services

• Mortgage Brokerage Services Independent mortgage brokerage service acting as an intermediary between borrowers and over 20 financial institutions. Brokers negotiate purchase, refinancing, renewal, transfer, and commercial financing on the client's behalf. Free of charge for residential mortgage clients.
• SimplAssur Insurance Program Exclusive insurance program offering mortgage life insurance, life and disability insurance for self-employed workers, medication and medical expense coverage, and group insurance, provided through Multi-Prêts brokers.
• Home Equity Line of Credit Credit line secured by property allowing homeowners to access up to 65% of market value at rates typically lower than personal loans or credit cards.
• Reverse Mortgage Mortgage option allowing homeowners to access equity in their property without selling.
• Commercial Financing Mortgage financing solutions for commercial properties and multi-unit buildings for business owners and investors.
• Free Educational Workshops Free small-group workshops covering first-time home buying, mortgage renewal, and newcomer financing topics, led by expert brokers.

Quantifiable outcome

• 95% of clients would recommend Multi-Prêts services (2020-2021)
• +2 more outcomes

Named customers1 record

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• M3 Financial Group (Groupe M3)coreStrategic or Co-development PartnerParent company of Multi-Prêts Mortgages. M3 Group is primarily composed of: Invis Inc., The Mortgage Alliance Company of Canada Inc., Mortgage Intelligence Inc., Multi-Prêts Mortgages, Verico, Simplassur, and M3 Tech.
• Simplinsur (SimplAssur)coreStrategic or Co-development PartnerExclusive insurance partnership providing mortgage protection insurance, life insurance, home and auto insurance products to Multi-Prêts clients through brokers.
• Filogix ExpertcoreTechnology or IntegrationTechnology platform installed on broker computers enabling direct processing of mortgage files and connection to all lender systems.
• First National FinancialminorChannel Partner/ Reseller/ DistributorVirtual lender accessible through Multi-Prêts brokers offering competitive mortgage products not available through traditional channels.
• MCAPminorChannel Partner/ Reseller/ DistributorVirtual lender accessible through Multi-Prêts brokers providing alternative financing options.
• Genworth CanadaminorChannel Partner/ Reseller/ DistributorPrivate mortgage insurance provider offering CMHC alternatives for borrowers with less than 20% down payment.
• Canada GuarantyminorChannel Partner/ Reseller/ DistributorPrivate mortgage insurance provider alternative to CMHC for mortgage default insurance.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mortgage Alliance Company of Canada: Direct sister-brand under M3 Group, operating an independent mortgage broker network across Canada with access to multiple lenders — the closest comparable business model to Multi-Prêts.
• Invis: Another M3 Group mortgage brokerage network serving Canadian consumers through independent brokers with multi-lender access; competes directly with Multi-Prêts for brokers and clients, especially outside Quebec.
• Mortgage Intelligence: M3 Group-affiliated Canadian mortgage broker network offering access to multiple lenders through independent brokers; directly comparable brokerage model to Multi-Prêts.
• Verico: Canadian independent mortgage broker network (also part of M3 Group) connecting borrowers with multiple lenders via commissioned brokers — same core business model as Multi-Prêts.
• Dominion Lending Centres: Canada's largest mortgage broker network by broker count, operating a comparable multi-lender, independent-broker franchise model and competing head-to-head with Multi-Prêts nationally.
• True North Mortgage: Canadian mortgage brokerage offering direct broker-assisted service across multiple lenders; comparable hybrid digital-plus-broker model targeting similar consumer segments.

Emerging players

• nesto: Canadian digital-first mortgage lender/broker offering online rate comparison and origination; represents the emerging digitally-native threat to traditional broker networks like Multi-Prêts.
• Ratehub.ca: Canadian mortgage rate comparison and brokerage platform that competes for the same online-first consumer acquisition funnel as Multi-Prêts' digital self-serve tools.
• Borrowell: Canadian fintech offering credit products and mortgage comparison/origination through a digital channel; competes for the same digitally-engaged first-time-buyer segment as Multi-Prêts.

Broad incumbents

• TD Mortgage (TD Bank): Major Canadian bank with a direct mortgage origination channel; represents the lender-side incumbent that Multi-Prêts brokers compete against for consumer mortgage business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/multiprets

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Multi - Prêts Hypothèques