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Lazaros Adamidis
Mortgage Broker
Work
(514) 814-9062Cell
(514) 814-9062Regions served: Laurentides, Laval/Rive-Nord, Montréal
Languages: French, English, Greek
Specialties: Residential Mortgages, Rental Property / Investment, First-Time Home Buyer
About Me
At 25, I became a first-time buyer and purchased my first condo in Laval. Like many, I went straight to my bank for a mortgage without looking elsewhere, which impacted me greatly throughout the term. The same thing happened at 27 when I bought my first single-family home. At the time, I didn’t know Multi-Prêts existed, but I wish I did.
With my experience in customer service, I became a mortgage broker to help people avoid the mistakes I made and make informed decisions. Whether it’s a prequalification, progressive advances, a renovation loan, a home equity line of credit, a refinance, or a buyout, I’ve experienced it all as a client and understand your challenges.
My goal is to help you save on your mortgage and find the perfect product for your needs. With access to over 20 banks and financial institutions, I simplify the process to get the best product for your unique situation.
Whether you’re in the Laurentians, Laval, or anywhere in Quebec, I’m here for you—even remotely!
Why Choose Multi-Prêts?
• Fast prequalification
• Expertise in mortgage loans and home equity lines of credit
• Solutions for renovation loans, refinancing, and progressive advances
Book your appointment today!
4 reasons why it's smart to use Multi-Prêts
Check it outRental
Are you considering buying a multiplex property in the near future to enter the rental market? While this type of investment is a great way to diversify your income and put money aside, it is important to be well prepared. Buying income-producing real estate is more than an investment, it also means starting a business. But where should you begin? Before you get started, it is important to quantify and analyze the financial implications to ensure that your project is viable and profitable. The return on investment is calculated by subtracting the operating expenses from your income. This amount is then divided by the down payment on the building. The percentage obtained represents the annual return, which should ideally be higher than the mortgage rate.
Another aspect to consider is your ability to manage risk. Rental real estate does not guarantee constant profits, so it is important to assess your tolerance for risk and financial uncertainty.
The financial aspect is not the only aspect to consider. When entering the rental real estate market, you have to manage tenants and take care of the building maintenance. It is therefore important to be familiar with tenants’ rights in Québec and to have an interest for manual work. This will greatly help!
The down payment required for your project will depend on the number of units in your plex and whether you want to live in the building. Usually, you need a down payment equal to 20% of the property value. However, if you intend to live in one of the two apartments of a duplex, the required down payment is 5% and that will increase to 10% in the case of properties with 3 or 4 units.
Multi-Prêts Mortgages brokers are there to help you make the right decisions. They can give you advise and guide you through the investment process. Contact us today to start making your project a reality.
Today's Multi-Prêts Mortgages mortgage rates
As of January 27, 2025
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*Some conditions apply. Subject to change without prior notice. Rates may vary according to the amount borrowed, your credit rating, guarantees offered and other factor. Please refer to your Multi-Prêts broker for more information.
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