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Mortgage guides.

Purchase, renewal, refinancing, self-employed income: find your situation. We go through the numbers together after.

The Samuel De Champlain Bridge and the river at dusk
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Buy

Budget, down payment, offer, and cash left after closing.

Aerial view of a Quebec residential area in autumn

Buying a property in Quebec

A realistic price, cash that stays put, and an offer the financing can actually back.

Review my mortgage

Your renewal compared, or what refinancing actually costs.

Quebec residential buildings along the river

Renewing a mortgage without deciding on rate alone

The offer, the agreement, and your plans, before the maturity date decides for you.

Downtown Montreal and port facilities at sunset

Refinancing with a clear purpose and total cost

What you actually walk away with, the new balance, and the years it adds.

Present my situation

Business income, or buying soon after arriving in Canada.

Ferris wheel and Montreal waterfront

Getting financing with self-employed income

A self-employed file followed from the first call to the approval: what the lender counts, and why.

Samuel De Champlain Bridge and Montreal at sunset

Buying in Quebec as a newcomer

Status, employment, the credit you have here, source of funds: four pieces to line up before the offer.

Invest or leave private financing

A building that earns, or the way out of private financing.

Quebec and Pierre Laporte bridges over the St. Lawrence River

Analyzing a rental property before buying it

Rents, expenses, vacancy, and down payment, tested against a conservative assumption.

Winter view of Montreal and the Farine Five Roses sign

Using a private mortgage with an exit plan

Rate, fees, and possible extensions added up, with a date on the way out.