Is it worth having my file reviewed?

When you’re weighing two offers, a bank turned you down, or you can’t tell what’s affordable: yes. You learn what lenders will take from your file and what’s missing. Usually free on residential files, because the lender pays the broker.

Which documents should I gather?

Last two notices of assessment, recent pay stubs, an employment letter, three months of bank statements and proof of your down payment. Add a list of your debts with balances and monthly payments. Ready before you make an offer, that’s what keeps a short financing window realistic.

All calculators

Debt consolidation calculator

Fold cards, loans and lines of credit into the mortgage, and compare what you pay each month, and in total interest, before and after.

All calculators

Assumptions and rules used

The rules behind the calculations

The thresholds used (GDS and TDS ratios, qualifying rate, CMHC premiums, 9% tax) come from the sources below and are updated when the rules change.

CMHC: mortgage loan insurance and debt-service ratios OSFI: minimum mortgage qualifying rate Revenu Québec: tax on insurance premiums

These results are estimates for planning purposes only. They are not a mortgage approval, financing offer or financial advice. A lender or insurer may apply different criteria.

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

All calculators

Debt consolidation calculator

Fold cards, loans and lines of credit into the mortgage, and compare what you pay each month, and in total interest, before and after.

All calculators

Assumptions and rules used

The rules behind the calculations

The thresholds used (GDS and TDS ratios, qualifying rate, CMHC premiums, 9% tax) come from the sources below and are updated when the rules change.

CMHC: mortgage loan insurance and debt-service ratios OSFI: minimum mortgage qualifying rate Revenu Québec: tax on insurance premiums

These results are estimates for planning purposes only. They are not a mortgage approval, financing offer or financial advice. A lender or insurer may apply different criteria.

Tell Mathieu about your project

Your request goes directly to Mathieu

Across Quebec, in French and English

No fee on most residential files

Debt consolidation calculator

Your debts and your mortgage

The rules behind the calculations

Tell Mathieu about your project

Debt consolidation calculator

Your debts and your mortgage

The rules behind the calculations

Tell Mathieu about your project