What multi-prets hypotheques (mortgage) does

Multi-Prêts Hypothèques is a Montreal-based mortgage brokerage network operating since 1982 and now part of the diversified financial services conglomerate Groupe M3. The company connects residential and commercial borrowers with up to 35 financial institutions through a network of more than 6,300 mortgage brokers across Canada, with a primary footprint in Quebec and additional presence in New Brunswick, Ontario, and Yukon. Service is provided free of charge to borrowers, with brokers compensated by lender-paid commissions on closed transactions; the network reports approximately $44 billion in annual mortgage lending volume.

The product suite spans residential fixed- and variable-rate mortgages (terms from 1 to 10 years), refinancing and renewal services, commercial financing for multi-housing, retail, office, and condominium projects, and bundled insurance offerings through SimplInsur and SimplAssur. The underlying technology stack centers on the BOSS broker operating platform acquired through the 2016 Invis acquisition, complemented by a digital self-serve layer that includes online pre-qualification (a 5-minute process surfacing offers from 20 lenders), a suite of mortgage calculators, and digital application forms. Distribution combines in-person and remote broker appointments with digital lead-capture channels, supported by educational workshops and content marketing.

Go-to-market runs through three reinforcing motions: a channel-partner/broker-referral network, direct-to-consumer digital acquisition, and event-driven lead generation via workshops for first-time buyers, renewals, and newcomers. Customer segments include first-time buyers, experienced owners seeking renewal or refinancing, real estate investors, self-employed and credit-challenged borrowers, newcomers to Canada, and commercial clients, with primary personas being consumer borrowers across residential scenarios.

Name

multi-prets hypotheques (mortgage)

Legal name

Multi-Prêts Hypothèques

Website

https://multiprets.ca

Company type

Private

Founded year

1982

Operating status

Operating

Short description

Multi-Prêts Hypothèques is a Montreal-based Canadian mortgage brokerage network, founded in 1982 and part of Groupe M3, connecting residential and commercial borrowers with up to 35 lenders through 6,300+ brokers across Quebec, New Brunswick, Ontario, and Yukon, on a free-to-consumer, lender-commission model.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Commercial mortgage financing
• Mortgage renewal services
• Mortgage broker network

Headquarters

HQ city

Montreal

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Commission Revenue: Multi-Prêts brokers earn commission from lenders (financial institutions) when they successfully place a mortgage. This commission is paid by the lender, not the borrower, making the service free for customers. The broker network aggregates demand to negotiate favorable rates and terms with lending institutions.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Multi-Prêts Hypothèques operates as Canada's largest bundled mortgage brokerage network, connecting residential and commercial borrowers with 20-35 financial institutions through a nationwide network of over 6,300 brokers. Core services include residential mortgage placement (fixed and variable rates), mortgage refinancing and renewal, commercial real estate financing for multi-housing, retail, office, and condominium projects, and bundled insurance products (SimplInsur life/home and SimplAssur home/auto). The service is free to consumers; brokers earn commission from lenders upon successful placement.

Product overview

Multi-Prêts Hypothèques operates as a bundled mortgage brokerage network offering a comprehensive suite of mortgage and insurance products. The core offering consists of mortgage brokerage services connecting clients with up to 35 financial institutions, complemented by proprietary and integrated tools including online mortgage calculators, pre-qualification systems, and the acquired BOSS technology platform. The product portfolio includes residential mortgages (fixed and variable rates), commercial financing, refinancing solutions, and insurance products through the SimplInsur and SimplAssur programs. The company has expanded through strategic acquisitions of Invis Inc., Intelligence Hypothécaire, and Verico, creating a network of over 6,000 brokers across Canada managing $44 billion in annual mortgage volume.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-Prêts Mortgage Brokerage Services Mortgage brokerage network connecting individual and commercial borrowers with up to 35 financial institutions to find optimal mortgage rates and terms. Service is free to clients; brokers earn commission from lenders. Provides access to multiple lenders in a single appointment, fixed and variable rate mortgages (1-10 year terms), and a single credit inquiry. For residential and commercial borrowers across Canada.
• Commercial Financing Expert commercial mortgage services for multi-housing, retail stores, office buildings, condominiums, and other commercial real estate projects, with access to multiple financial partners. Delivered through specialized teams: Équipe Commerciale Élite and Lévesque & Cie (financementmultilogements.com) for multi-unit property financing. For commercial property owners, developers, and investors.
• SimplInsur (Life and Home Insurance) Exclusive insurance program offering life insurance with non-decreasing balance and no premium payments for up to 6 months between mortgage approval and notary appointment, as well as home insurance products. Bundled with the mortgage origination journey.
• SimplAssur (Home and Auto Insurance) Home and auto insurance offering provided through the Multi-Prêts network, with quotes available through a simplified process. Bundled insurance offering for mortgage clients.

Quantifiable outcome

• 95% of clients would recommend services (2020-2021)
• +1 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• NestocoreStrategic or Co-development Partner · 24 January 2024Nesto concluded a strategic alliance with Groupe M3 (parent company of Multi-Prêts) to access the extensive mortgage broker network. This partnership provides Nesto's digital mortgage platform with access to the broker network for mortgage origination.
• Équipe Commerciale ÉlitecoreChannel Partner/ Reseller/ DistributorSpecialized commercial financing team partner providing multi-housing, retail, office, and condominium financing services within the Multi-Prêts network.
• Lévesque & CiecoreChannel Partner/ Reseller/ DistributorCommercial financing partner (financementmultilogements.com) specializing in multi-unit property financing within the Multi-Prêts network.
• Financial Institutions/LenderscoreOthersNetwork of 20-35 financial institutions including major banks (Desjardins, National Bank, CIBC, BMO, RBC, TD, Scotiabank) and alternative lenders providing mortgage products to customers through broker referrals.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Dominion Lending Centres: Canada's largest mortgage brokerage network with thousands of brokers nationwide; directly comparable to Multi-Prêts in business model (independent broker network connecting borrowers with multiple lenders), scale, and product breadth.
• Mortgage Architects: Canadian mortgage brokerage network offering brokers access to multiple lenders, technology platforms, and support services. Directly comparable in the broker-network category to Multi-Prêts, Verico, and DLC.
• TMG The Mortgage Group: Canadian mortgage broker network providing independent mortgage professionals with access to multiple lenders and centralized technology. Closely mirrors Multi-Prêts' broker-network model and competitive positioning.
• CanWise Financial: Large Canadian mortgage brokerage with significant volume share, particularly in Ontario. Directly comparable to Multi-Prêts as a high-volume broker channel intermediary offering multiple lender products.
• Mortgage Brokers Association of Ontario (industry body, not direct competitor) — replace with peer: Comparison and lead-generation platform for Canadian mortgages; complements broker networks by referring borrowers. Comparable to Multi-Prêts in addressing the borrower-shopping-for-rates use case, though via content/aggregator rather than broker network.

Emerging players

• nesto: Digital-first Canadian mortgage platform that recently signed a strategic alliance with Groupe M3 (Multi-Prêts' parent). Represents the digital-native mortgage experience and now a partner — competing in some segments while extending Multi-Prêts' reach in others.
• Ratesdotca / Ratehub: Canadian mortgage comparison and lead-generation platform connecting rate-shopping consumers with brokers and lenders. Comparable to Multi-Prêts in capturing the top-of-funnel borrower who is comparison shopping for mortgage rates.

Broad incumbents

• First National Financial: One of Canada's largest non-bank mortgage lenders, originating and servicing residential and commercial mortgages. Comparable to Multi-Prêts as a scale player in the Canadian mortgage ecosystem, but as a lender rather than a broker intermediary.
• Equitable Bank: Canadian Schedule I bank specializing in alternative residential mortgages distributed largely through broker channels. Comparable as a major counterparty/lender partner for the same broker ecosystem Multi-Prêts operates in.
• Home Trust / Home Capital Group: Canadian alternative mortgage lender active in the broker channel for non-prime and self-employed borrowers. Comparable to Multi-Prêts as a destination lender for complex mortgage files the broker network routes through.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries6 records

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-prets hypotheques (mortgage)