Legal notice

This website is published by Mathieu St-Onge, a mortgage broker overseen by the Autorité des marchés financiers. Mortgage brokerage is a regulated activity: the right to practise and any disciplinary record can be checked publicly, without going through the broker.

The pages, guides, scenarios, and calculators on this website prepare a discussion. They replace neither the analysis of a file nor a lender’s written conditions.

What the website is not

• Financing approval, even preliminary.
• A rate offer, a rate hold, or a lending commitment.
• A property appraisal or an opinion on a property’s value.
• Legal, tax, accounting, or notarial advice.
• An insurance or investment recommendation.

What a decision actually rests on

• The complete application documents, once reviewed.
• The lender’s written conditions, including its restrictions and deadlines.
• Advice from the appropriate professional: notary, accountant, tax specialist, chartered appraiser.

What the tools are for

The calculators estimate a purchase price, payment, down payment, or refinancing amount from the figures you enter. They let you test different amounts before gathering documents. They do not reproduce a lender’s approval engine.

How results are produced

Calculations use the figures shown on screen, the formulas described in each tool, and rounding to the nearest dollar or cent depending on the result. An estimated payment may exclude property taxes, heating, home insurance, condo fees, or other commitments when the tool does not request them. Each lender uses its own rules, documentation requirements, and eligible amounts.

References consulted

• Financial Consumer Agency of Canada — Mortgages for mortgage terms, amortization, down payments, renewals, and borrowing costs.
• CMHC — Mortgage loan insurance for the role of mortgage loan insurance and its general requirements.
• The Autorité des marchés financiers for mortgage brokerage oversight; its public register is linked from the “Website publisher” section above.

What is not simulated

An estimate does not verify credit, the source of a down payment, income stability, or property acceptability. It does not automatically calculate a prepayment penalty, an exact mortgage insurance premium, legal fees, or every program-specific rule. These items must be confirmed from the documents and the rules in force when the application is submitted.

A rule, program, rate, or lender criterion may change after a page is published. The website may also be interrupted, corrected, or reorganized without notice, including during an update or maintenance work.

Content is reviewed when a public rule changes or when an error is reported. The date shown at the top of this page is the last revision date, not the date each statement was last verified. The formulas and explanations behind the calculators follow the same rule: a page may be corrected without notice.

External links are provided to reach an official source or a useful service. Mathieu St-Onge controls neither their availability, nor their content, nor their privacy practices.

A link does not make the external website a partner and does not endorse all of its content. An external website applies its own terms of use and privacy policy, which are yours to review.

Original text, the editorial structure, the interface, and photographs owned by Mathieu St-Onge are protected by copyright. Third-party marks, logos, and attributed content, including those of the lenders and organizations cited, remain the property of their owners.

What is permitted

• Reading, printing, or saving a page for your personal use.
• Sharing the address of a page.
• Quoting a short excerpt with source attribution and a link to the original page, where the law allows it.

What requires written authorization

• Reproducing a page or a substantial portion of the website.
• Using text, a visual, or a calculator for commercial purposes.
• Republishing the content under another byline or embedding it in another service.

The website is provided for information. To the extent permitted by law, Mathieu St-Onge cannot be held liable for a decision made solely on the basis of a published page, estimate, or scenario, without a review of the file and written confirmation from the lender.

This limit does not reduce the professional obligations that apply once a brokerage file is actually opened and a mandate is given.

This website and this notice are governed by the law applicable in Quebec. Mortgage brokerage activities there are regulated by the Act respecting the distribution of financial products and services and by the Autorité des marchés financiers.

A concern about a brokerage practice can be raised with Mathieu St-Onge through the contact page and, where warranted, with the Autorité des marchés financiers, which receives complaints from the public.