Mortgage Broker · 10+ Years of Experience
Frederick Amar is a licensed mortgage broker serving Quebec homebuyers and homeowners who are refinancing or renewing. With over 10 years of expertise and thousands of clients funded, Frederick secures competitive rates from Canada's leading lenders and delivers a seamless, stress-free mortgage experience from application through funding, always putting clients first.
About Frederick
Frederick brings more than a decade of industry expertise to every file. Through his affiliation with Ratehub, he can give you access to CanWise financing, and he also works with Canada's major banks and lenders so you can compare your options. You get a single, responsive point of contact who owns your file end-to-end, from application to funding.
Throughout his career, Frederick has helped thousands of clients navigate the complexities of the mortgage market and achieve their homeownership goals. He is recognized for his exceptional customer service and personalized approach to clients' unique needs.
Whether you are a first-time buyer, moving up, refinancing to unlock equity, or renewing an existing term, Frederick's expertise and professionalism guarantee a seamless experience and a mortgage solution aligned with your financial objectives.
Mortgage Services
Frederick supports every stage of Quebec homeownership: buying, refinancing, renewing, and transferring. Each service is a personalized consultation backed by real-time rate comparison across Canada's major lenders, at no cost to you for standard residential mortgages.
Guiding first-time and repeat buyers through pre-approval, offer conditions, and closing, with rate holds up to 120 days so you can shop with confidence.
Learn about purchase mortgages →
Lower your rate, consolidate debt, or unlock equity for renovations, investments, or education. Frederick runs the numbers before you commit.
Explore refinancing options →
Don't auto-renew. Frederick negotiates against your current lender's offer using live market rates so you keep more of every payment.
Get renewal help →
Move your mortgage without breaking your stride. Competitive rates, responsive support, and easy-to-navigate paperwork from start to finish.
Compare transfer offers →
A one-on-one strategy session, with no obligation, to map your goals, timeline, and cash flow into the right mortgage product for your household.
Book a consultation →
Live comparison across the top mortgage rates in Canada, filtered for your situation: fixed, variable, HELOC, insured, and uninsured products.
See today's rates →
Discuss your home-buying project and mortgage pre-approval with Frederick before choosing a property.
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Discuss whether consolidating debts through mortgage refinancing could suit your situation, including the costs and conditions.
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Also available: 2-, 3-, and 5-year fixed rates · Variable rates · HELOC financing · Bank rate comparisons
The Process
Four simple steps take you from first call to funded mortgage. Frederick handles the lender legwork; you focus on the home. Most residential files close within 30 days of an accepted offer.
Share your goals, timeline, and financial snapshot in a 15-minute conversation.
Frederick shops your file across banks and lenders and returns rate options within 24–48 hours.
Walk through fixed vs. variable, term length, prepayment privileges, and penalties in plain language. You decide.
Frederick coordinates with the lender, the appraiser, and the notary. Funds are released, keys change hands, and Frederick stays on for future renewals.
Client Reviews
Frederick holds a 4.8 out of 5 average across 302 verified client reviews. Below is a representative sample in the clients' own words, quoted verbatim and in the original language when applicable.
Très belle expérience avec ratehub l'agent Amar était très professionnel il m'a donné un bon taux répand toujours au rappels fait un bon suivi merci beaucoup à Amar et son équipe
Frederick and Suzanne are the best! You could count on them to secure your mortgage!
Frederick and his team were very professional, efficient, and quick. Thank you :)
I worked with Frederick through Ratehub for both getting and renewing my mortgage, and the experience was excellent from start to finish. He made the entire process easy and seamless. He was professional, knowledgeable, and always quick to respond to any questions I had. Everything was handled efficiently, and I felt supported every step of the way. I highly recommend them to anyone looking for a smooth, stress-free mortgage experience. Thanks again for all your help!
Excellent service. Le tout c'est fait super rapidement et dans la transparence.
Straight answers to the questions Frederick hears most. As of 2026 in Quebec, working with a licensed mortgage broker is typically free for you, with more rate options than a single bank branch.
In most cases mortgage broker services are free for you as the borrower. Frederick is compensated by the lender when your mortgage closes. You get access to competitive rates from multiple Canadian banks and lenders with no direct fees for standard residential mortgages in Quebec.
For a standard purchase or refinance, Frederick can typically deliver a pre-approval within 24 to 48 hours once your documents are received. Final approval and funding depend on the lender and property details, but most files close within 30 days of an accepted offer.
Frederick is based in Quebec and serves clients across the province, including Montreal, Laval, Quebec City, Gatineau, and surrounding regions. He is affiliated with a national licensed brokerage that partners with lenders operating across Canada for residential mortgage financing.
To start your application, Frederick usually needs proof of income (recent pay stubs and T4s or Notice of Assessment), a valid photo ID, recent bank statements, details of any existing debts, and property information if you already have a home under offer or a property to refinance.
It depends on your risk tolerance, timeline, and budget. Fixed rates give payment certainty for the term, while variable rates have historically cost borrowers less but move with the Bank of Canada's policy rate. Frederick walks through both scenarios with real numbers so you can choose confidently for your situation.
Ready to start?
Consultations are free and there is no obligation to proceed. Call, email, or fill out the form and Frederick will be in touch within one business day.
