To apply for a loan with FINOVATE GLOBAL, you must:

• Be a Canadian citizen or resident of Canada
• Be at least 18 years old
• Have a bank account in Canada

For amounts up to $10,000, no additional collateral is generally required.

Our process is extremely fast:

• Preliminary approval within 24 hours of receiving your complete application
• Disbursement to your account within 24 hours of final approval

In many cases, clients receive funds the same day if the complete application is submitted before noon.

Our interest rates are among the most competitive on the Canadian market:

• APR from 3% for personal loans
• APR from 3.5% for car loans
• APR from 2.8% for student loans

The actual rate depends on the type of loan, the amount, the term, and your personal credit score. You can use our loan calculator to get a personalized, no-obligation offer.

Yes, you can pay off your loan at any time, in full or in part. Early repayment includes:

• No penalty for early repayment of personal loans, in accordance with the Consumer Protection Act of Quebec.
• Proportional reduction of interest for the unused period
• Simple process via your client portal or by contacting customer service

You can also make partial repayments to reduce your monthly payments or shorten your loan term.

If you have difficulties making a monthly payment:

• Contact us immediately to find a solution
• We can discuss a custom payment plan
• We offer the option to defer a payment (maximum once per year) under certain conditions and with advance notice

Our goal is to help you manage your loan stress-free. However, prolonged delays in payments may lead to late fees and reporting to Canadian credit bureaus (such as Equifax or TransUnion).

To apply for a mortgage loan with FINOVATE GLOBAL, you must meet these conditions:

• Demonstrable repayment capacity (steady income)
• Favorable credit score (positive report in Canadian credit bureaus)
• Availability of your own funds (typically at least 10-20% to cover ancillary costs and part of the purchase price)
• The property must meet legal requirements and be appraised
• Sign up for a life insurance policy to cover risk

I nostri consulenti immobiliari analizzeranno la tua situazione finanziaria completa per offrirti le migliori condizioni, personalizzate sul tuo profilo e sulla tua capacità di credito, con tassi competitivi.

With FINOVATE GLOBAL, we finance different types of properties:

• Residential real estate (apartments, houses)
• Secondary residences or vacation properties
• Commercial properties and offices
• Buildable land (with approved project)
• Rental properties for investment

We typically finance up to 80-90% of the purchase price (excluding incidental fees) for a first home and up to 60-70% for a second home or investment. All properties must be located in Canada and comply with current building codes.

Yes, we offer mortgage refinancing and transfer services with excellent advantages for Canadians:

• Improved interest rate conditions
• Option to adjust the length of financing
• Option to access additional funds for renovations or other needs
• Potential reduction of costs and insurance
• Simplified process with dedicated support

Our specialized team will review your current mortgage and prepare a free feasibility study to determine if refinancing or renegotiation makes sense for you. Our clients often achieve significant savings on the total cost of their mortgage.

We determine your investor profile through a comprehensive analysis considering:

• Your personal risk tolerance (conservative, balanced, dynamic, speculative)
• Your investment time horizon (short, medium or long term)
• Your specific financial goals (growth, income, capital preservation)
• Your experience and knowledge in the field of investments
• Your overall financial situation

This analysis is done through a detailed questionnaire and personal consultation with our certified financial advisors. The results determine the investment strategy most suitable for you and ensure every recommendation matches your personal profile.

The relationship between return and risk is key to any investment:

• Return: This is the gain (or loss) from an investment, usually expressed as a percentage of the invested capital.
• Risk: This is the possibility that actual results may differ from expectations, including the chance of losing part or all of your invested capital.

There is generally a correlation between these two concepts: a higher potential return is often associated with a greater level of risk. For example:

• Low risk investments (savings accounts, money market funds): They offer more moderate returns but greater capital safety.
• Medium risk investments (corporate bonds, rental properties): They balance potential returns and protection.
• High risk investments (stocks, certain specialized funds): They can offer higher returns, but with increased volatility and a greater risk of capital loss.

With FINOVATE GLOBAL, we build diversified portfolios that optimize this balance based on your personal risk profile.