Nazar Tarpinian
His approach
A mortgage broker's role is not to sell a product, but to compare several lenders for one file and draw out the best structure. That is Nazar Tarpinian's working angle: starting from a client's real situation — income, debt ratios, down payment, horizon — rather than the posted rate in the window, which is not always the best obtainable rate for a given profile.
In the Laval area, he steps in at every stage of the journey: the pre-approval before an offer, the choice between fixed and variable, term strategy, the calculation and reduction of the break penalty before a sale, and refinancing at renewal. Each is a decision where a few thousand dollars turn on contract details few owners know in advance.
His columns on Payotte all start from the same principle: making visible, with the numbers, the mechanics borrowers too often discover after the fact. Each is self-contained, educational, and binds only its author.
His columns on Payotte
Five in-depth articles, to read on their own or as a coherent series on mortgage financing in Canada:
Mortgage prepayment penalty in Chomedey: calculate it — and often avoid it
How the penalty for breaking a mortgage is calculated (three months' interest vs the IRD), and five ways to soften it — with a calculator.
The policy rate and your borrowing power in Chomedey
How the policy rate shifts your borrowing power, the stress test and the GDS/TDS ratios — with a calculator.
Fixed or variable rate in Chomedey: the real trade-off
Beyond the rate: payment, penalty, flexibility and term choice, in a comparison table.
Mortgage pre-approval in Chomedey and the stress test
A step-by-step approach to a solid pre-approval and passing the stress test.
Buying in Chomedey: financing your purchase (Laval)
Median prices, condos and plexes in Chomedey (Laval) in 2026, and what each figure means for financing.