Articles
Clear guides and advice on mortgages in Quebec: pre-qualification, purchase, renewal, refinancing and investment.
First-Time Home Buyers
The household income truly required for a $500,000 property in Quebec, calculated with the qualifying rate, GDS/TDS ratios and mortgage insurance premium.
Interest Rates
How the qualifying rate works in 2026, who is exempt at renewal, and how much it actually removes from your borrowing capacity.
First-Time Home Buyers
Limits, deadlines, qualifying withdrawals and combining with the HBP: how to use the FHSA to fund your first home in Quebec.
Mortgage Refinancing
Three months' interest or interest rate differential: how to estimate your penalty, why it varies so much between lenders, and when it is worth paying.
Mortgage Tips
How lenders calculate self-employment income, the documents to prepare, and the programs available when financial statements don't tell the whole story.
Investment
Down payment by number of units, how lenders count rental income, and the pitfalls to avoid when financing a plex in Quebec.
