Call or write. Tell us where the property is, what you'll use it for, the amount and your deadline. Renovations or short-term rental? Mention it. You don't need any documents yet.
Residential mortgages: your bank only shows you its own loans.
In Québec, a mortgage broker must offer you loans from several lenders. They look for the one that fits your goals and finances, and may advise you against borrowing. We also arrange financing to buy or renew your home or plex in Québec and Ontario.
Mortgage broker since 2020 · AMF licence 237729 · MA Mortgage Architects inc.
When to call us
- You are buying your first home.
- You are buying a duplex or triplex and will live in one of the units.
- Your term is ending and you want to compare before signing the renewal.
- You want to take equity out of your home for a project.
How much you can borrow.
The stress test. For an uninsured mortgage at a federally regulated lender, you must qualify at the higher of your contract rate plus 2%, or 5.25%.
At renewal. If you move an uninsured mortgage to another federally regulated lender at maturity, without increasing the amount or the amortization, the test doesn't apply again.
Insured mortgages. Since December 15, 2024, an insured mortgage is available on a property up to $1.5M. First-time buyers and buyers of new builds can amortize over 30 years.
Plexes. If you live in a duplex, CMHC can count up to 100% of the other unit's gross rent; for a triplex or fourplex, up to 50%.
Welcome tax. In Québec, 0.5% up to $62,900, 1% up to $315,000, 1.5% above; cities can charge more above $500,000. A new tax credit can pay back up to $5,875 to first-time buyers.
Let's have a discovery call.
We look at your situation, even if the file is incomplete.
You gather the documents we list.
We present the complete file to lenders.
We follow the application until funding.
Residential mortgage questions.
Do I need to know which loan to choose?
No. Tell us about your project before choosing a type of financing.
How do I check Ronald's licence?
Search Ronald Daigle in the AMF register, or call 1 877 525-0337. Licence 237729.
Who will get back to me?
We will, by email or phone.
What do your services cost?
According to the AMF, a broker must explain in writing, before starting, how they are paid: a lender commission or a fee.
Related financing
Let's talk about your project.
Where it is, how many units, and what you want to do: buy, refinance or build. We call or email you back. You can also call us yourself, any day from 8 a.m. to 10 p.m.