Explore

Borrower profiles

Mortgage guides for self-employed borrowers, newcomers, variable income, retirees, business owners and non-standard income files.

11 results

Financing

Incorporated owner refinancingRefinancing as an incorporated owner: lenders read salary, dividends and retained earnings differently. Which reading leaves you the most room.Newcomer with foreign down paymentA newcomer with funds from abroad: proof of the transfer, origin of the funds, and a Canadian account held at least 30 days with most lenders.Retirement refinancingRefinancing in retirement: pensions and investment withdrawals count if they can last. How lenders read them, and up to what amount.Self-employed refinancingRefinancing as a self-employed borrower: two years of notices of assessment set the income, and the appraisal sets the ceiling. What each lender adds back.Variable income renewalRenewing on variable income: your current bank doesn’t requalify you, a new lender averages two years. What to have ready before you shop around.

Directories

Mortgage documentsGuides on income proof, down payment proof, gift letters, approval conditions and the other documents lenders ask for.Mortgage situationsGuides for specific mortgage files: separation, bankruptcy, debts, variable income, bank refusal and tight deadlines.

Services

Newcomer mortgageNewcomers to Canada: several lenders run dedicated programs for buyers who haven’t built any Canadian credit history yet.Self-employed mortgageSelf-employed mortgages: lenders use the income on your tax assessments, not what the business takes in.Variable income mortgageCommissions, bonuses, contracts and irregular pay: how to document them the way lenders calculate them.

Contact

Request a quoteAsk for a first mortgage review. Tell Mathieu what you’re trying to do and he takes it from there.

Tell Mathieu about your project

Buying, renewing, refinancing, or something a bit out of the ordinary: tell us where you’re at, even if it’s still fuzzy. Mathieu gets back to you with next steps and the documents to pull together.

Your request goes directly to Mathieu

Across Quebec, in French and English

No fee on most residential files